davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (PA)

There is a derogatory reference on my credit report from Jefferson Capital System ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX at XXXX ). 

Approximately, three months ago, I disputed this adverse notice claiming I owed {$200.00} to XXXX XXXX. I contacted XXXX XXXX on the matter, and all they could tell me is that they sold the collection to Jefferson. I called Jefferson and they can not identify any outstanding claim. This is because I contested it on my credit report, and it was removed by the credit reporting agency, but now it is showing up again. I DO NOT OWE THIS MONEY. No one can tell me what this is for. I have had a XXXX XXXX account for over 10 years. I continue to pay and be in good standing, but this keeps showing up and no one can give me any information as to why it is a collection account. According to a XXXX Report, this was placed in collection on XXXX/XXXX/2015. I did n't owe this at this point. It was later updated on XX/XX/XXXX and still showing as a derogatory notice. This is adversely affecting my credit and if someone can not provide information to me about this, it should not be allowed to be reported. 

when you call XXXX, an automated notice references that the account was sold. What company would sell an outstanding account if it is only placed in collection on XXXX/XXXX/2015. This is an error and it needs to be removed immediately.
Consumer complaint received 2022-12-14
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. (AL)

I submitted a letter to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (IN)

I just refinanced my mortgage to a 15 yr fixed. I sent in my payment with an extra payment. I noticed the loan company is not reducing my interest charge based on the principle amount owed. I called the loan company and was told that my interest payment is never reduced from the amortization schedule, that I will always owe the stated monthly interest no matter what the principle is.
Consumer complaint received 2015-04-08
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: QC HOLDINGS INC (CA)

California Budget Finance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX. Charged my XXXX XXXX Bank Account for {$300.00} without my consent in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-05-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data-Central, LLC (CA)

My daughter had a XXXX boy that had a huge crush on her and she told him that she only liked him as a friend only. He got upset and told his mom that she was saying she wanted to XXXX. She was XXXX years old at the time. So his mom called the sheriffs department in our countyand told them my daughter was going to XXXX which was not true. So the sherrif came to my hose with an ambulance and took my daughter away for a XXXX and XXXX which was a lie from that boy. The ambulance company hired Data Central to collect over {$1500.00} from me for an ambulance ride that this boys mother se into motion over a rejection lie. They need to take off this bogus debt as it is not mine but the boys mother. I had to pay apprx. {$200.00} for an evaluation which came back good on my daughter. This woman caused a lot of XXXX believing her son whom is a liar. This is not my bill, but hers to pay for her sons lies.
Consumer complaint received 2022-09-22
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. (TX)

It has came to my attention that XXXX XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 

Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

XXXX XXXX XXXX is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX XXXX XXXX. This account with XXXX XXXX XXXX is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. XXXX XXXX XXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Consumer complaint received 2016-09-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

The issue is with XXXX credit reporting in regards to Jefferson Capital XXXX while ago I had filed a dispute in regards to the amounts listed in the Charge off. Since that time, my credit has made a comeback, and I was able to receive funding for a new home loan. I was informed by my underwriter that I needed to have the dispute notifications taken off my report to be able to receive funding. I followed their instructions and called the reporting agency SEVERAL times to have the dispute remarks removed, and they started a report on the issue. 30+ days pass, and my underwriter contacts me again in regards to the same dispute remarks being there. So today I called back and spoke to them and they told me to pound dirt as there was nothing I could do as the creditor refused to remove the remark event though I agreed to the amounts and dropping the dispute. I feel that my credit is being held hosting from XXXX and Jefferson Capital as I now might lose my funding ( and GREAT percentage rate ) as the dispute remarks will not be taken off. I appreciate any assistance you can provide
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I recently learned that I have a series of FFEL loans in repayment in the amount of {$11000.00} currently serviced by Navient, which is currently being investigated by the U.S. Consumer Financial Protection Bureau. In the XX/XX/2015, I was incorrectly mailed notices for being in default with regard to my loans despite making regular monthly payments.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (FL)

I was behind on payments and when I tried to make a paymeny arrangement, Navient refused to make an arrangement because it they said it had been too long and that the only thing I could do was pay in full to be up to date. Meanwhile, I have XXXX other loans that I have been paying. I still made minimum payments on the overdue XXXX, hoping they would work out a deal. I didnt even know that the loan had been transferred out to another agency and the payments I had been making did not apply to the loan and did n't transfer to the new agency.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

Dear Commissioner, I am writing this complaint letter because I have contacted Navient on numerous occasion for Navient to remove and update my credit report with all the major credit reporting agencies because the information Navient is reporting is incorrect and inaccurate. Navient is in violation of the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ) and FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) for reporting inaccurate information. The limitation statue has expired and Navient is refusing to remove all my student loans with all the major credit reporting agencies which causes my credit score to decrease. All my students loans I had with Navient has been closed for the past seven to ten years. 
Let this be my formal complaint against Navient. The following account is the items Navient has refused to investigate and remove. 
Account No. : XXXX. There are about XXXX or more items under this account number. 
Sincerely,
Consumer complaint received 2016-10-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I approved a automatic withdrawal from checking account for my student loan on a specific date. However, Navient immediately withdrew funds from my account without my permission. I have experienced these unethical and illegal practices twice before with Navient and they have refused to address and correct their practices. Their practices needs to be investigated by a governmental body.
Consumer complaint received 2015-07-24
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)

Navient Solutions Inc. XXXX {$15.00}, XXXXXXXXI am disputing the validity of this debt for unfair and deceptive practices. Navient Solutions, formerly XXXX XXXX, has not provided an accounting of interest paid, the loan interest rate, or account statements that detail the payment allocation and/or payment methodology at any time during this loan. 

This loan originated in XXXX 2005 in the amount of $ XXXX. Other than XXXX forbearance period of less than 6 months, this loan was paid on time for more than 9 years with payments ranging from $ XXXX {$250.00} ; with 96 months of payments at {$240.00} the amount paid on the loan is in excess of $ XXXX, yet the current amount due according to Navient is more than $ XXXX, more than the amount initially borrowed. 

I can provide bank statements as proof of payment history as payments with automatically debited from the account.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Navient Solutions, LLC. (MD)

Someone fraudulently took out FEDERAL student loans in my name using my social security # and dob on XXXX/XXXX/2016 and I have disputed it with the credit bureaus and they WILL NOT take it off my credit report! I did not do this and it is n't fair that someone is getting away with a FEDERAL CRIME! I have also contacted the XXXX, the FTC, the loan company, ( Navient ), the police, and the State 's XXXX and no one will help me. Can you please?
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I am currently enrolled in an IBR plan. Navient has gradually decreased the amount of months from 12 to 9 in my plan. For example, my current payment plan began on XX/XX/XXXX and I needed to reapply for IBR by XX/XX/XXXX. I was recently contacted by Navient telling me that I need to reapply by XX/XX/XXXX and that my current payment plan is being " phased out '' and that it will end XX/XX/XXXX, almost a full three months ahead of schedule, and that if I ca n't complete my taxes in time for the IBR calculation my payment will nearly double, fines will assessed, and interest will be capitalized. I told the representative that I understood while I need to reapply for my IBR plan every year, each yearly calculated payment schedule was for a full 12 months and that Navient has been decreasing the payment window and making me reapply every year sooner and sooner. She told me that Navient is trying to " phase '' out the plans and that there was nothing she could do to restore the payment window or move the date for reapplying. When pressed for what I would be fined for, she told me that it was associated with " the cost of moving you ( me ) to a new repayment plan '' and for failing to properly provide required documentation for my current plan. I have no problem making payments for my student loans, but I 'm getting very frustrated that Navient is trying to both cheat the system and trick me out of IBR and collect higher payments. I am XXXX, and while both my accountant and I have started in XX/XX/XXXX on my taxes, they 're usually completed by the XX/XX/XXXX and they 're far from simple. The representative said that my income information must be verifiable, e.g. the IRS needs to have my tax information in their system by XX/XX/XXXX, otherwise I will be " kicked '' out of my IBR plan. It should n't be this hard for a borrower to follow the rules and be told incorrect information. If necessary, I would be very happy to forward to you the emails from Navient detailing the change in dates and payment schedules or to discuss my case with you.
Consumer complaint received 2016-11-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CHECK INTO CASH INC. (LA)

Loan was paid in XX/XX/XXXX. In XXXX, 4 years after I moved from VA ( moved in XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by Check Into Cash representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan Check Into Cash had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that Check Into Cash is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from XXXX attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX Check into Cash contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.
Consumer complaint received 2015-06-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sessoms & Rogers, P.A. (NC)

S & R got a judgment against me for XXXX old accounts from XX/XX/XXXX in XX/XX/XXXX for {$7000.00}. I started making payments after they got the judgmet. I lost my job and was in the middle of a divorce but I kept paying. My old lawyer paid the debt off in XX/XX/XXXX from settlemet funds during the divorce but I did not know this until recently. From XX/XX/XXXX until XX/XX/XXXX, I continued to pay {$100.00} every month even if I did n't have it. I was send letters and they called me all the time. I would ask them for the balance and they would not send me any thing. I asked fro receipts and they would not give them to me. They told me they did not know the balances. This year in XX/XX/XXXX I had a friend call with me to ask for a copy of the judgments and account information but they would not talk with me. I called again in XX/XX/XXXX asking for how much I owed because they sent me a letter saying I owed nearly {$5000.00}. I got a letter in XX/XX/XXXX from the court saying I owed more than {$7000.00}. They sent the sherrif to my house. I have paid more {$9000.00} plus my old lawyer paid another {$5000.00} on a {$7000.00} debt and they say I still owe more than {$7000.00}. The court say I owe 8 % interest since XX/XX/XXXX but that does not add up to another {$7000.00} when I have paid {$14000.00} already. The court does not show all the payments I sent the law offices. They wll not tell me why I owe so much and I canot afford amother lawyer to help me because I do not have a job. I went to Legal Services and they will not tell them any thing either. I ca n't sleep and I am stressed out over all of this. No one will help me. Please help me take care of this and make them stop.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I was directed to use multiple forbearances by Navient instead of being directed to use an income driven repayment plan. I learned of the Income driven repayment plans from a friend instead of from the people servicing my account.
Consumer complaint received 2017-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

My server is Navient and this past year 2016 when i sent in all documentation in XX/XX/XXXX or XX/XX/XXXX for a recalculation of my income based repayment payment they started giving me the run around about not having all the documentation needed. I would speak to one rep who would say your payment is XXXX/month then i 'd get a bill for XXXX/month and this went round and round for 6 months with me being left on hold for over 30 minutes to wait to talk to a manager ( i would just hang up after 30 min because no one ever picked up on any call i made ), i would fax what they requested and be assured it would be taken care of only to keep getting bills for XXXX/month plus late fees and when calling i would be told they never received the fax or mailed copies. this went on until i started threatening to report them to any and every federal agency i could find then one day when i said that i finally spoke to a manager who cleared all late fees, and corrected my payment to be XXXX which is what i knew it should have been all along. But then after that the first bill i got was for more late fees and when i called they said it was from something else ( some other payment that was late and my payments were always within the grace period time, they were never late ). I then set up my bank to auto transfer my payments 5 days before due date so they could no longer try and say my payments were late. Even though they resolved my issue, it took 6 months and a lot of XXXX i did n't need and they did get some late fees from me which i should not have had to pay because of what i thought was incompetence but now i know it was just a scam to get money. i have all calls, dates, times and who i spoke with and what i was told all documented.
Consumer complaint received 2017-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

This company wo n't respond to my mail and none of their customer service agents are available by phone. I have sent these people letters and have tried calling them for days, to no avail. It is unbelievable how they are able to get away with this. I have their Trusted ID Premier service and I also have Credit Karma. The credit report through their Trusted ID Premier service is not showing the collection accounts that they are reporting, but the XXXX XXXX credit report is! This is amazing! Also, Equifax is reporting a XXXX XXXX XXXX account twice. It is a duplicate. The account was included in a XXXX bankruptcy. They are reporting two separate account numbers for this ( XXXX and XXXX ), but is the same account! They are also reporting erroneous collection accounts for XXXX and XXXX that do not belong to me! This is sooooo frustrating!