davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Senex Services Corp. (TX)

I have asked Senex Services Corp. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (ID)

XX/XX/XXXX, my wife and I made a XXXX dollar payment to Navient to completely pay off XXXX loan and pay parts of other loans. We just found out today, XX/XX/XXXX that Navient portioned that money as if it were to be paid as a monthly payment until XX/XX/XXXX. We have been paying interest on an already paid off loan plus XXXX others as if they were not paid. In addition to this, a surprise withdrawal from our bank account of XXXX dollars to Navient was assessed today. Navient has admitted the mistake but seemed to place the blame on an inexperienced customer representative who processed the payment. Nothing has been resolved yet, as no supervisor was willing to take the call from our last customer service rep, who is taking all of the brunt of our frustrations.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, XXXX and Account # XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following information : Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-13
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. (GA)

This is my 5th 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-10-29
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. (MI)

XXXX, Equifax and XXXX is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/XXXX.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (VA)

We had trouble making payments to our loan servicing company - Selene Finance - due to a dip in our business, since XXXX 2017. Over the last three months, I had requested loan modification materials, due to the fact that we have been in our home for 15+ years, and have substantial equity value in the home. While the company calls near daily with robo-calls to ask when we are going to make our next payment, they have not provided the loan modification docs, and we have now fallen seriously behind - six months - and are likely facing foreclosure. I am concerned that this is a strategy, since there is a substantial difference between our mortgage amount ( {$200000.00} ) and the market value of the home ( {$430000.00} per XXXX ). We simply want to find a modification program to bring us current, as we will be in the position to resume regular payments.
Consumer complaint received 2016-04-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

A fraudulent XXXX loan claiming us to be co-makers of a loan not underwritten by the US Dept of Education was discharged in a bankruptcy action filed in the United States Bankruptcy Court XXXX/XXXX/03, and discharged XXXX/XXXX/03, case No. XXXX. XXXX, now known as Navient Solutions Inc. continues to harass us for payment by referring the account to various collection agencies ( Approximately XXXX at this writing ). We would like this action to cease.
Consumer complaint received 2016-05-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IN)

In XXXX ' I was directed by Sallie Mae ( now XXXX ) to take out Private loans instead of Federal. During my XXXX year I had applied for a loan and was approved. Looking back after investigating it looks as though they also approved a loan a month later in almost the same amount totaling $ XXXX. After school I struggled to find a job and was told to deffer my student loans which capitalized interest. My total borrowed was XXXX and is now XXXX. I make my student loan payments on time but am buried under the student loan debt. I have tried to get answers from Sallie Mae regarding the XXXX I feel we never received and have never received an answer or know what to do. I am currently paying on a " payment plan '' but with the debt and interest payments, I will probably never pay them off.
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Malacko Law Office (IA)

XX/XX/2021 Ambulance call XXXX Veteran wanted to be taken to the XXXX VA Ambulance they dont have an ER so they would not take me to the VA They do have an ER I get all my care there I refused service, I was taken by my wife to the VA Anxiety problems was the diagnosis XXXX XXXX XXXX ( XXXX ) XXXX Debt collector I was billed {$290.00} # XXXX I feel that is terribly wrong No treatment /refused service No transport Im less than a mile away Besides already XXXX I was admitted to the VAMC ( through the ER ) form XXXX XXXX with XXXX XXXX XXXX Now no job and 30 % XXXXXXXX XXXX I know that means nothing to them but its just more hardship for me Thank you for your help
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I am a single dad and im in over my head with bills. I have set up a XXXX dollar a month payment plan with Navient but thats not paying off the interest and my loan keeps growing. This dose n't seem right. I feel like Navient has found a way to make a profit out of me and in the mean time my loan continues to grow. I called them and asked them can they please somehow decrease my loan from increasing and they basically said to bad so sad. Please help
Consumer complaint received 2022-09-13
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Equifax Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are XXXX XXXX XXXX! You claimed that you verified these items but provided no documents. I haven't heard any response from Equifax and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they should DELETE from my file : XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$10000.00}
Consumer complaint received 2021-10-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: M. G. Credit, Inc. (FL)

XXXX is rude and disrespectful. I ask for a balance statement every time I pay for my own records. He always gives an excuse or lie and says he sent it. Today his lie was Texas doesnt allow him to send mail. Then proceeded to overtalk me as usual and then said Why does she always need a letter? I told him not to call me anymore. This is harassment. Then XXXX XXXX XXXX was trying to say i lie and i have been reading that is what he does to everyone
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (CA)

When I shopped for auto insurance recently, an insurance company told me that there is an at-fault accident in my XXXX report, and because of that they wanted to charge me a higher policy rate. This is the highlighted # 1 item from XX/XX/2016 on the attached page. 
I was not at-fault in that accident. Please promptly correct the report
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

Recently Navient was sued for several issues. I have been with them for years and this past year they had raised my payments SO high compared to any year before that I had to put it on a hold until next year. I would like to be part of this complaint. My name is listed as my maiden name of XXXX XXXX ( currently XXXX XXXX ) account number with Navient is : XXXX. Please help!!
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Since XXXX XXXX, 2021 we have repeatedly requested that Equifax lift a freeze on our credit report so that we can apply for a new credit card. Subsequently we've contacted XXXX to ask that they process our credit card request. XXXX has repeatedly stated that they still can not access our credit report because Equifax has our credit report frozen. 

Whenever calling Equifax they ask questions about loans or accounts we never had or others that are older than 7 years and that we have no records of them. After repeated attempts we have never been able to get through to an agent. They now have repeatedly rejected us from login online. We downloaded forms and mailed them ( received by them last Monday, XXXX XXXX, 2021 ) requesting that they lift the freeze on our credit reports through XXXX XXXX, 2021. 

Since then XXXX still reports that they can not access our credit report because Equifax has failed to lift the freeze as we requested. 

Our ability to manage our finances is locked down because Equifax has been completely unresponsive. At this point we do not believe we have any other recourse than to ask your department ( and/or our XXXX XXXXs office ) to intervene and push Equifax to XXXX responsive to customer 's requests. 

Thank you ahead of time for any assistance you XXXX be able to provide to move Equifax to become responsive.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (FL)

KickOff Lending is showing up on my credit report as they loaned me XXXX dollars. I never applied for this and I keep calling the credit bureau to get this disputed or removed and I can not get any solution.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (IL)

I already paid this account. They paid it to another collection company. I had already disputed it and they did n't remove it. I want it removed. I also have proof of it stating that it is paid.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

On XX/XX/2022, I sent an affidavit of truth to Equifax in regards to my consumer rights that were violated. I attached proof as well. It has been 12 days and I have not received a response. Equifax furnished my report to XXXX different companies including its own without my written or verbal permission. Equifax is civilly liable for violating my protected rights. I feel as if I have suffered enough and I would for someone in the litigation department to contact me in regards to requested compensation.
Consumer complaint received 2021-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF THE WEST (NJ)

I continue to receive no response and incomplete and erroneous processing of my loan application from XXXX XXXX at Essex-bank of the west. I already have a boat loan with them since XX/XX/XXXX.I was in a boating accident and the boat which they currently hold the loan for was totaled. That loan is in process of being paid off. I found a replacement boat and reapplied for a loan through Essex for this. I was approved for the loan on XX/XX/XXXX. But since then I have had nothing but problems and delays. XXXX XXXX asked for some signed documentation on XX/XX/XXXX which we sent over right away. XXXX however never even confirmed he received our documentation until XX/XX/XXXX. Even after repeated emails. Then on XX/XX/XXXX only after I continued to email him several times and left a voicemail did he call me. I was sent a follow up email the following day stating he needed current bank lienholder information per the payoff letter. However XXXX doesnt even know the rules of who holds the title. We responded to him with the following : In New York the owner holds the title not the bank ] There are only nine title-holding states : Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York , Oklahoma, Wisconsin. In the other 41 states, titles are issued to the lien holder of your vehicle until the loan is fully paid off. He wanted an updated title with bank name not owners name?? We also resent he title that shows two lien holders one being XXXX XXXX  XXXX ( The name is spelled out. XXXX XXXX XXXX XXXX XXXX ) We did send a satisfaction of lien from the additional lienholder. This was sent on XX/XX/XXXX. Since then no response even though I have emailed him 3 times and left a vm. And he is out for the second time since I have been dealing with him until XX/XX/XXXX. And was told when I spoke to him on XX/XX/XXXX that this process could take an additional 3 weeks. I am in danger of losing the boat we found if this can not be expedited.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (OH)

I have received my copy of my credit report from the three US credit reporting agencies. 

All XXXX reports are stating these codes : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX. 

I have been trying to buy a house now for at least 2 years. The only credit inquiries have been due to the fact of expiration of the 90-day length of time of the initial credit-report. I have paid-off my car, and Now I am penalized for that pay-off. I do NOT have any revolving accounts. Any credit cards-3- that I use are paid off monthly. There is always a full balance paid off prior to the due date. How can there be " too many inquiries '' based on a renewal of credit from the same institution?

I am also disputing the credit reporting as basically being based on a BIAS of the algorithms that are being used based on my age. Nothing has changed in my credit profile in reality other than the fact that the algorithms keep dropping the " CREDIT SCORE '' based on internal DESIGN BIAS inherent in the algorithm development. In fact, my income has increased, and there is no reflection whatsoever as to the REAL CREDIT ACCOUNTS HISTORIES. 

The Credit reports are most probably more erroneous for many other people. There is a definite AGE BIAS in this program. I DO NOT have any balances of unpaid amounts due with any Financial Institutions for more than 5 years.

When a person such as myself calls the number for Corelogic Credco, the only prompts are ONLY for FINANCIAL INSTITUTIONS. There is no advisory on the credit score disclosure of any contact number for the CITIZEN that the credit report is reporting about. If you can not recognize the inherent bias in the present system, then you definitely do not have any common sense as to how the real citizens function to actually make any STATE/NATION real! 

What happened to what used to be a requirement of advising the CITIZEN as to what number to call/contact for a complaint about any erroneous information on the REPORT clearly printed on the paper of the report, by Algorithms to other Algorithms to then be used against citizens? That is the least that any one should expect from a totally automated financial system that is most effectively not being used to support any activities that could support real citizens, especially in the US.

You can't have any kind of system of systems that works without citizens. The entire focus of the present system is totally WRONG. The system is not working for citizens, nor for institutions to maintain relevant, reasonably accurate data.
Consumer complaint received 2022-09-13
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Date : XX/XX/XXXX
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (GA)

XXXX XXXX XXXX, XXXX has violated my rights and continuely try to collect debt that I don't owe. 

15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt.

15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to an equitable, timely, accurate, and fair dispute process. The Company is also failing to acknowledge and directly reply to my many inquiries, correspondence, and requests for information on this matter. 

Additionally, no one in the relevant departments has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution, despite multiple requests and unreturned messages. Lastly, I have been refused in my requests to pursue arbitration on this matter, which I believe is my right. 

Also, subsequent to my prior complaint, several actions have been taken that greatly reduce my confidence in Chases process, procedures, and oversight in this matter. To be clear, this complaint pertains to entirely new issues, as Chase, in its recent interactions with me, has made a number of new omissions, misrepresentations, and/or mistruths, apparently in an attempt to uphold its original improper judgment.