davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (GA)

I called the original company who I had the debt with and was told I was no longer in their system and I should call the collection company. I called the number listed on my credit report for XXXX Collections but the number was no longer in service. Then, I noticed that this same open collection with XXXX was closed in XXXX 2015, on my credit report. I have never received any calls or letters from XXXX. I would XXXX to see if this can be permanently removed from my credit reports.
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (UT)

I am not sure if you guys can pull up an old file on your end. I opened a complaint roughly in XXXX of 2013 regarding to State of Ohio Office of Attorney General. They were sending simple letters with no proof of validation of the debt I supposely owed. This was also, I believe through General Revenue Corporation as well. They are both combined. 

Well here I am again. State of Ohio Office of Attorney General had made another comeback for what I do not owe. I do not have a clue. I have already sent them the validation request for the XXXX time and I am sure they are not going to provide that. XXXX times of trying in the past. Seems to be cumbersome to do this again. This is causing stress, problems with my family and friends. If you can pull up the old file, that would be great. I will try to find the old case number for it and see if you can pull it up, if I am lucky. 

I have already talked to my Attorney General and he said if it happens again, I can let him know. Which has been hard to get through sometimes. 

Also, the letter has provided XXXX different addresses including Ohio State and General Revenue. Which seems to be surprising. 

Why is it so dang hard to just give me the original paper work? I could admit to it if its mine, or deny it. Just giving me numbers to call, a balance owed and an account provided does n't help me. 

I feel harassed.
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Renton Collections Inc. (WA)

Debt was to be paid by my insurance company at the time. Someone at the hospital goofed up and billed me instead. Since the insurance company was responsible for the debt, not me, I did not pay. I instructed the medical company and the collections agency to contact the insurance company to settle the debt. They did not do so.
Consumer complaint received 2016-10-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Senex Services Corp. (TN)

senex services a collection agency put a derragatory mark on my credit reports when i called to inquire they gave me an account number and oringinal creditor info. i went to the oringinal creditor and they stated they have no account numbers to match that for me and i have a balance of zero. when i contacted senex services and asked for validation of debt he said that he didnt have it that it would take him a couple of months. I want the entry removed from my credit they never contacted me by mail or phone and was very rude when i called to inquire basic information
Consumer complaint received 2017-01-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp. (IN)

Senex has been reporting on my credit reports that I owe {$30.00} for a medical account from 2010. I have sent them documentation that the original account holder failed to bill medicaid and showed them the eligibility of medicaid at that time. I have talked to Indiana Medicaid office and they told me what to send them but they still will not remove the debt off my credit report. I have sent them 3 letters asking for removal of account off my credit reports and all they send back is a letter telling me to pay this account when I dont owe them or XXXX XXXX Hospital.
Consumer complaint received 2015-04-23
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Chaparral Inc (OH)

This company has been pulling my credit randomly without my authorization. Once I got a hold of XXXX and seeked legal advice I told them everything about this company and they told me to still report it to you. This company I had an auto loan that was in default. They turned to XXXX to reach out to friends and family. They got a hold of a friend and told him personal info regarding my information on how much I was past due etc. All this was done on social media XXXX. Once I found out that this was illegal I want to make sure this did n't happen to anyone else. This company will give out details to anyone on XXXX. 


*On the info I uploaded with messages it is kinda scattered dates because thats how it came forwarded to me*
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (WA)

I have tried to fill out their online form with my correct name address employer etc but when they ask me questions about personal details they do n't recognize me because their info is so XXXX. They want me to pay for my credit report or subscribe to some tracking thing when it has been over a year and they should just send it to me. There is no point of phone contact with a human just a run around of phone trees.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (LA)

I 've requested the documentation that was used to verify these accounts multiple times as well as the procedures used and have received no response. In addition, there are accounts that were reinserted after being deleted and I was never notified which is in violation of section XXXX. Lastly, there are accounts that are being reported my multiple companies which is double jeopardy and is in violation of a new agreement made with the CRAs. If a collection agency sells, transfers or does n't manage an account, it must removed : XXXX XXXX this account was previously removed on my XXXX report and the was reinserted on my XXXX report and you did n't notify me of said reinsertion which is a violation of section XXXX of the FCRA - remove this immediately! 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX I have no knowledge of this account - remove immediately! 
XXXX XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX you have the wrong balance and the date opened is not even in the same month that the account was opened in XXXX # XXXX XXXX does NOT hold this account and they must delete it because that is double jeopardy! If a collection agency sells, transfers or does not manage an account, it must be deleted. Not only that, but there has been no legal verification of this account. I do n't have a collection with this company!
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Experian continues to report inaccurate and unverifiable information regarding XXXX bankruptcies. I have repeatedly advised them that I filed no bankruptcies on these dates, in these courts for the amounts specified on the credit report. They have lied repeatedly saying that They have verified with the data furnishers, the courts. The courts have verified that They did not provide them with this erroneous information. Experian continues to report it while lying about investigating my dispute. I nhave Experian to provide the third party vendor that provided them with this false information and they have not complied.
Consumer complaint received 2016-12-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nevada Credico, Inc. (NV)

This account was opened through a friend of a old friend it was made without me consent. That person was friends with someone at XXXX the person who opened this account use to live with me and used my info. To continue the contract after I cancelled it months after opening it.
Consumer complaint received 2017-03-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC (TN)

I 've never received information regarding the nature of this debt or proper signed validation of this debt from this credit agency. Also when researching who this company is I learned that they are n't licensed in the State of Tennessee to collect debt. Their license has been suspended since XX/XX/2017. Collecting a debt with no license is illegal.
Consumer complaint received 2015-09-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My daughter - XXXX XXXX XXXX - took out XXXX {$30000.00} loans. I co-signed a XXXX for XXXX of those loans. The college is XXXX XXXX XXXX XXXX and XXXX. The loan servicer is Navient, the former XXXX XXXX. Navient calls at all hours, and on weekends, as phone logs would support. I have responded a number of times. My daughter has attempted payment arrangements, and on the first payment they raided her checking account the night before payday and said she defaulted because the money was not in the account. The money was not in the account because they tapped the account early. My daughter wants to make a payment arrangement that her income can support, and that will cease the abusive tactics from Navient. When she was on the phone with a Navient collection agent, he yelled at her, threatened litigation, and would not accept a date for a payment arrangement. This agency, which conducts abusive, harassing tactics as a business model, calls my daughter at her workplace when she has asked them not to do so. I am the co-signer for XXXX loan, but the terms, fees, rates were never discussed with me by anyone at XXXX XXXX XXXX XXXX and XXXX, nor were they explained to my daughter, who was XXXX years old when she enrolled in 2004. 

My email is XXXXXXXXXXXX and my phone is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I have not been able to obtain accurate account information from Navient over the past 2+ months. The problem started when I noticed that the Navient website contains account information that has an " Estimated Payment Schedule '' which lists the loan start and end payment date, and the " Total Amount to be Repaid ''. On my loan - the website states that my " Total Amount to be Repaid '' is {$55000.00}. The problem is - I have paid to date {$63000.00} - which is almost $ XXXX more than they are stating I will have to pay over the life of the loan. So either there is a mistake on my account - and my account balance should be XXXX - or the numbers on their website are grossly incorrect. Note that the total I have paid to date is calculated from the Navient website with their information - and I have confirmed this is what I have paid. 

I have both emailed and called Navient to inquire what is included in the " Total Amount to be Repaid '' and have been consistently told that this includes " payment, interest and fees '' - both in writing, and on the phone. I have also asked them to verify my " Total Amount to be Repaid '' ( {$55000.00} ) is the correct number and they have confirmed ( multiple times! ) that it is. And yet, I have paid more than that - and my account still shows that I owe XXXX {$12000.00} - so there is something very clearly wrong. This has led to a lot of stress and work on my end. It is also *exceptionally* concerning that a lender who is responsible for millions ( maybe billions ) of dollars in loans - ca n't provide timely and accurate account information. Are they willfully misleading consumers - or can they not do math? Or have I overpaid on my loan? Do I have to keep paying? Someone please help! Thanks!
Consumer complaint received 2017-02-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

I still have no idea how I was even approved for over $ XXXX of private student loans through XXXX XXXX ( now serviced by Navient ) in XXXX - XXXX for two years of schooling. I did NOT have a cosigner and had very little ( or no ) credit history at all. Now, I am required to pay at last $ XXXXmonth on a less than $ XXXXyear income. Navient has attempted to " work '' with me, lowering my interest rate, however I see that they are not applying the payments correctly to my loans. Additionally, when the recent term of my past interest rate reduction program was due for renegotiating ( end of XXXX ), Navient refused to keep me at the lowered interest rate, regardless of the fact that I am currently making far less money than I was the previous year. They increased my loan interest by .5 %. What can I do? I am swimming in a pool of Student Debt in which I will never be able to climb out of. I desperately need help.
Consumer complaint received 2015-12-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

My initial loan was for {$20000.00} with XXXX XXXX in 2007. As to date I have paid over {$15000.00} back to them and my outstanding loan balance is at {$22000.00}. I have spoke with them about hot to get it paid down and they have sent me statements showing how much goes to loan and how much to interest. there are months that {$0.00} goes to principal and next month only {$20.00} will go. My loan is now through Navient and I have spoke with them many times and I can not get answers as to why so little is to principal and how I have get the loan paid off faster. Based off their plan i will be paying them for the next 20 plus years to pay this off. I have asked about my payment process time and get no answer. I post a payment online and up to 7 days later it will come out of my account and posted to my loan, the entire time this is processing they are compiling interest on it daily. financially it makes since for them to take longer to process but it is screwing me over. Is there anything that can be done or I can do to get away from them?
Consumer complaint received 2015-06-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (GU)

I acquired a vehicle loan in XX/XX/XXXX through XXXX car sales with M & T bank. Even though my interest was sort of high I wanted to have a chance to establish a better credit history than I had at the current time. My loan was for $ XXXXXXXX7.29 % interest. I started making my payments on time the XXXX few months. My payments were due on the XXXX of the month around XXXX I was making payments later than the due date but I called every time to talk to a representative and asked what my payment was and if I owed any late fees. I was told that my payment is {$530.00} which is my monthly payment and that I had no late fees because of the grace period. I got a bill XX/XX/XXXX stating that I owe {$320.00} in late fees. I called them and was told that since I did n't ask about the how much late fees when I called to make the payment they do n't have to tell me. I was also told that I needed to read the bill and not depend on the customer service for information pertain to my bill even though I asked every time to ensure that I was squared away. I was also told that if I did n't catch that I owed {$320.00} then it would have kept rolling over until the end of the loan then I would have owed a crazy amount to them in late fees. My point is when I asked I was told different and if I was reading my bill and not understanding then I cant depend on them because its not their responsibility to help me understand or inform me after I asked them the question. After I talked to XXXX person I called back to get the number so that I can make a formal complaint and I feel like the person on the phone was very disrespectful and was not concerned with the issue that I was having. Not once did any of the representatives ask if how we could fix the problem or what could they do to help. All they did was point the finger at me and I am definitely pointing my finger at them because I believe as a customer trying to keep up my end of the deal I am being wronged and taken advantage of. This is the only service that I know that handles business this way.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DE)

Received a credit report from Experian showing " XXXX SERIOUS DELINQUENCY '' & " XXXX LEVEL OF DELINQUENCY ON ACCOUNTS '' which was triggered by an incorrect report by XXXX that the account had not been paid and went to collections. 
This information is not true. I contacted XXXX and they had no record of the account going into collections or being past due. It was paid in full and closed. 
The Experian credit report is showing a lower FICO score than it should, despite the dispute, which is causing me real harm. I am applying for a loan which is going to cost an extra {$60000.00} over the loan term.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IL)

Experian LLC. continues to report unverified accounts in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) in violation of the required Federal law to verify with the original Consumer Contract with my Signature.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I notified Experian that the XXXX account is incorrectly reporting that I was 30 days late with payment in XX/XX/2010. This information is inaccurate and I would like this inaccurate information removed from my credit file.
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Hello, I have some state tax liens on my Experian credit report that need to be removed. I contacted franchise tax board in order to remove these from credit file, I was told I need to contact the credit bureau in order to remove these liens. So I contacted the Experian to dispute the errors, after I received the dispute result, I noticed the errors are still there and they are refusing to remove them from my credit file. This has caused hardship to me. Thank you for your help.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I sent a detailed description of the problem saying how the collections company contradicted itself several times and among the many mistakes, the collections company had the wrong address of my person. Experian just said they updated the case. It seems they did not read the complaint to have the collections deleted. I later found they " updated '' my official credit file with the incorrect or nonexistent address from the collections company. Experian just seems like it is there to help the companies and collections and really did not read the case at all. Then they updated the wrong residential address in my credit file from the incorrect information from the collections company. The original purpose of the dispute was to DELETE the collections report because they had wrong information and made a large number of reversals and contradicted themselves several times. For example the collections account repeatedly said I did not owe any money before. This case was TOO COMPLEX for Experian to read and they punched in things in their keyboard without thinking of what it was about. They thought they were doing good work by entering a WRONG ADDRESS in my official credit file that I told them the collections company had wrong in their records. I was trying to DELETE A COLLECTIONS REPORT. That was the primary responsibility of Experian for the consumers!
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

My wallet was stolen in XX/XX/2014 and a collection bill for XXXX, an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021