davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

It is being reported that I owe XXXX money and is reported as me missing the payments every month. These accounts are " charged off " and no longer supported by them. They are not taking communication on them and they were sent to a collection company but there is no information on what company has the accounts on mky report so I can dispute them. These are charges made on my name on a building that I did not own at the time of the charges due to XXXX XXXX not processing the shut off for the leave on for landlord. Per XXXX XXXX these accounts are charged off no payment to them due. Should not be showing any late payments ever on this
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

This is for debt validation from a debt collection company I.C. System us attempting to collect an alleged debt that is no longer collectible and has been illegally passed along form XXXX XXXX which could not validate the debt according to law. The company is attempting to report the alleged debt to the credit agencies and is in violation of both the Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have also attached a letter for validation of this alleged debt with further explanation of the illegal attempt to collect this alleged debt.
Consumer complaint received 2016-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (SC)

I received my first student loan more than 30 years ago, and my last disbursement was on XX/XX/1991. I have been paying on them off and on since then. My loans have been consolidated multiple times, but the interest rate is still around 8 %. I do not think the data I downloaded is correct. Student Total All Loans Outstanding Principal : {$140000.00} Student Total All Loans Outstanding Interest : {$19000.00} Can someone please review it?
Consumer complaint received 2016-03-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc. (SC)

I have a XXXX Ford Focus from Car Max Auto Finance. I have been making payments on the car since XX/XX/XXXX. After reviewing my credit report Car Max had my car listed as a charge off two times, XXXX in XX/XX/XXXX and one on XX/XX/XXXX. I contacted Car Max and was told via phone and written correspondance that they would have my credit corrected with in 90 days. It has been over 120 days and my credit has not been corrected and I have suffered greatly from the incorrect reporting. I have been unable to purchase a home due to the dispute. I want my credit corrected immediately and request to have any and all negative marks removed due to the inconvenience and hardship this has caused.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (MD)

Stellar Recovery, is collecting a past due balance from XXXX so I made a payment arrangement for when I go back to work because I was in school during the summer, so that they would n't put it on my credit report but they put it on my credit report anyway because they said I did not pay it within their time frame but they never told me there was a time frame so that was misleading and unfair because if they were going to report it on my credit anyway then I could 've took as long as I wanted, but I tried to settle my debt and they screwed me over anyway.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (AZ)

STELLAR RECOVERY INC is trying to recollect a debt that has already been paid. STELLAR RECOVERY INC has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to XXXX and removed from my credit report XXXX XXXX 2015.
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NJ)

I am in the process of my fourth and final year of my   XXXX   XXXX   obligation ( I literally would be done with   XXXX   XXXX   XXXX  on   XX/XX/XXXX  ), but as of  XX/XX/XXXX ,   my grant (  XXXX  ) was turned into a loan ( with an interest aroun d 7,000 ) due  to not turning my paperwork in on time. The reason I did not turn the form in was because last year I had an awful time with it. I sent it in 4 times before they approved it because they kept saying that I could not put a future date ( I kept putting that I finish in   XX/XX/XXXX  even though they want the form in  XX/XX/XXXX  ) s  o  this year, I decided to wait until the year was finished to turn in my paperwork because I thought the due date of the form was a mistake on their (  Fedloan 's ) part. I have attached the form and on page 2 y ou can see where they ask for the to and from dates.   To be honest, I 'm devastated, because this grant has basically determined my whole pas t 5-6 years. I added   XXXX   XXXX   to my degree to receive the  grant, I moved to certain locations to work at a  XXXX  that is   XXXX   XXXX   XXXX  accepted and I only took on positions that aligned with the requirements of the   XXXX   XXXX   XXXX  only to lose everything I worked for over a form. When I called to try to work this out, they brushed me off as if this was no big deal and acted like I had no options and that this was a done deal.   I guess I am e-mailing you just to see what you think my next step should be or if you know of any contacts at the federal level that could help me with this.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (AZ)

I checked my credit report like I do on a daily basis and realize that credit plus pulled my credit and now I got 2 hard inquiries without my consent I asked credit plus to remove these inquiries which they didn't. Because the inquiries that are on my report is fraudulent.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : - ; XXXX XX/XX/XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC (OH)

I just received a phone call from P & B capital group llc. I went to pick up the phone and they hung up. I called back and was placed with a man whom I did not get his name. He asked who I was and I asked what he was calling in regards to. He mentioned me having taken our a loan with rise. I asked him to send me verification in the mail about the debt and he said he has already sent something. I told him I have n't received anything and before I could finish my sentence he said I was just playing games and using stall tactics and he will send me to litigation so they can sue then hung up on me. The phone number I reached him on was XXXX.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

There is incorrect personal information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX Incorrect Address : XXXX XXXX NJ XXXX XXXX XXXX NJ XXXX Incorrect SSN : XXXX Item that should be deleted from credit report : XXXX - Account Number : XXXX ( I uploaded a letter stating it would be removed from my credit report )
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

I have a federal student loan serviced by Nelnet. Every month I pay more than the minimum amount due. I discovered that the extra money is not getting applied to the balance. Instead they are allocating it towards the following month 's payment.     I contacted Nelnet about this in  XXXX   of 2017, sayin g that I wanted my extra money to be applied to my balance, not to advance the due date of future payments. When I went to make a payment today (  XX/XX/17    ), I noticed it had n't changed. I contacted them again and was told that my request to not advance the due date was denied on  XX/XX/17   . I was told the due date was going to continue to advance and that it should n't matter. I was told I could apply again, but it would probably be denied a second time.     So borrowers have to make a special application to request that their extra payments be allocated properly, and that the servicer can deny them and basically say " tough luck. ''
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pono Ventures Inc. (IL)

A R Recovery Solutions has placed an account in collections under my name and refuses to verify that this account belongs to me. This account has since been reported to the credit bureaus and has impacted my score. I asked them to sen d verification of the debt to me and they kept telling me that I would have to send in my social security card, picture id and a signature, which i dont trust to do so. I know that this is a tactic try to collect my personal information. They also have threatened to take legal action if i dont pay the account off ; the account that they refuse to validate or verify.     Secondly, according to Illinois Depart ment of Professional & Financial Regulation  and Fair Debt Collection Practices Act, A R Recovery Solutions is not licensed to collect debt in the state of Illinois.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

Jefferson Capital System s aid i owe  XXXX   XXXX  After reviewing my recent credit report i contacted the company letting them know this not my debt and do not have or ever had a account with them asking them to remove this account through letters the company did not respond more then a month and a half  XXXX   XXXX  Bank said i owe them  XXXX   XXXX  i contacted them through letters stating this debt is not mine asking them to remove it but 2 month have gone by with no reply   XXXX    XXXX  has inquiries on my credit file  XXXX ,  XXXX  and  XXXX  that should not be there. i have a credit card account with them in good standing These are soft inquires so why do they show up on my credit fil e  XXXX  rep ort a inquiry  XXXX  i never applied for credit  with  XXXX  i sent letters requesting them to remove the inquiry with no reply
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have sent request to XXXX, XXXX, and Equifax regarding reporting of a Chapter XXXX on my credit file. I received a letter from XXXX XXXX stating they do not send information to credit bureaus. The 3 major bureau sent me notification stating they received reporting on the account from XXXX XXXX. This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from XXXX XXXX. It specifically states this was reported by XXXX XXXX. I sent the 3 major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriCollect (MI)

XXXX is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and americollect. I would like a full investigation into this accounts.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,  2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (GA)

XXXX   XXXX ,    2016  amounts is {$1400.00}.   I have contacted the company to dispute this debt because the school issued out money I was not due and I should not be held responsible for this error on their behalf.
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

Back in   XX/XX/XXXX  m y student loans were through  XXXX   XXXX  before it got switch over to Navient. I called back in   XX/XX/XXXX  or  XX/XX/XXXX . I was having trouble making my monthly payments which was over 300 $ a month. I ca lled Navient customer service to get some help with my payments. At first they kept pushing me to put my student loans in forbearance or deferment. An I told them I do n't want to do that the interest on my loans keeps adding up on my loans an at this rate ill never pay them off. I was then transferred to another department which I tried doing income base an they told me that I did n't qualify for income base payments. I had no choice to  put 2 of my  loans in deferment an then had to extend out when my pay off would be so I could lower my payments. Right now as  of  XX/XX/XXXX  I pay   {$210.00} a month an that does n't include m y 2 other  loans that I need to pay on. Which the payment for those will be starting soon cause they could only give me a 12 month deferment. I just recently called Navient o n  XX/XX/XXXX  abo ut late fee 's on my account. I called customer service yet again an asked them about the late fee 's. I said I have 14 days to make my payment before the late fee 's are put in. My due date is t he  XX/XX/XXXX  an I have to the  XX/XX/XXXX  to make a payment. I had a late fee on my account on  XX/XX/XXXX  an goes back since I had m y loans which is now over  10years. I wa s put on hold for about 10 minutes when she came back on the phone an told me that there must of been a computer error. She informed me that sent a request into remove those late fee 's. Now I am keep checking my account to see if they have been taken off. I have had my student loans for over 10 years an I can not get any help on making payments, student loan forgiveness. They are very push on putting your loans in forbearance or putting them in deferment.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have filed a dispute multiple times with Equifax regarding  XXXX   XXXX . Neither party has provided the level of investigation or reinvestigation required by law. Nor have I been provided the level of information required by law. I demand that this item be removed from my credit report immediately or make all steps required by law to  show just cause for keeping it on my report. I further ask that this be directed to the FTC as well as any other Governing a gencies.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC (AR)

XXXX XXXX ky payed a log book ticket after they fired me then sent the amount to a collection company this company really owes me never pay ed me what they owed me they the collection agency is reportng this to XXXX
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

FedLoan Servicing/Pennsylvania Higher Education Assistance Agency has lie d to me on numerous occasions with regard to whether my payments qualify for t he Public Service Loan Forgiveness program. In a pho ne call in   XX/XX/XXXX   a representative for  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  told me that  only three pa yments during my time with my current employer would count toward the 120 required payments to quality for loan forgiveness. She told me that the payments must be consecutive and that each forbearance or missed payment would restart the count. This is a lie. When I found out that she, representing  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency,  had lied, I called back to let them know I was aware that the company deliberately misled me. I was told in mid  XXXX  by a different representative to resubmit my payments for review. I was again told that my payments during my current employment did not qualify. This time the reason was that I had paid  XXXX  short of the amount due. No one would ever pay less than a dollar of the amount owed. They could n't even come up with a decent lie. I am unable to address this because only the five most recent payments I 've made are available on the website. Only the most recent statement is available. I have been paying loans since  XXXX . Luckily, I keep screen shots of all my payments. The representative said that it must be an issue with my previous loan servicer. That is also a lie.  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency ha s been my loan servicer since well before I started working at my current employer. In fact, they approved every  one  of my payments at a previous employer with no trouble. Their efforts to exclude the payments I have made toward my loan balance at my current employer is baffling. In addition, I was advised not to pay more than my income-based total so I would " not seem as though I did n't need it, '' the it meaning the  Public Service Loan Forgiveness program. At no point was I made aware that my overpayments could be put to ward the principal balance. Rather than apply the extra amount paid toward my principal balance,  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  instead reduced my amount due each month so that  I at one point had a balance due of {$0.00}. The practices of FedLoan   Servicing/Pennsylvania Higher Education Assistance Agency  are predatory and illegal. This has happened because the federal government privatized and outsourced its loan servicing.