davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

Currently I have 4 private student loans with Navient when I first began with Sallie Mae in XXXX for XXXX School. I currently have 3 co-signers for my student loans. I have been paying them back since XXXX at first when I graduated from XXXX in XXXX I placed my loans in forbearance costing me {$50.00} per period which was 6 months. When I was no longer able to put the loans into forbearance because Navient would not allow me to I was forced to begin paying the loans back however I was not able to afford the monthly amount, I then in XXXX began the rate reduction program which lowered my interest rate for each loan for a period of 6 months which helped me reduce my loan payments. The issue remained that all though I was in the rate reduction program the payments were only applied to the interest only and not very much to my prinicpal once the program ended and I had to reapply the monthly payments went back up and so did the interest and this continues to happen. XXXX of the requirements of the rate reduction program was that I had to submit my income statement but my co signers were not required this was fine however recently when I attempted to reapply for the rate reduction program they are requesting my co-signers to submit income statements and they are refusing because this was not required before and also I have been the only one making the payments. I am now several months deliquent on my loans because I can not afford to pay for the minimum due which is XXXX per month and Navient is refusing to assist with lowering the cost without my cosigner information. This is predatory and they have gotten several thousands of dollars on my student loans over the years and have not truly been applying the payments to my prinicpal so how was the rate reduction program truly helping me but actually causing me to go further into debt and not lowering the debt. Their lending practices are predatory and they continue to call and offer assistance to lower payments but will not work with me to lower my payments or a program that will get my balance down. i have been paying Navient for the last 5 years and not my actual loan amounts.
Consumer complaint received 2018-07-14
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: Komyatte & Casbon, P.C. (IN)

XX/XX/2018 i requested that that the two collections on my credit reports be validated and i received no response what so ever. I have tried to dispute this with all three credit bureaus as well and they refuse to acknowledge my request. I have a right to know what is in my file and who provided it without my consent. Currently it is two collections on that is being reported by the name of ( XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} ). The second collection account that is being reported is by the name of ( Komyatte & Cabson P.C with a balance of {$8600.00} ). I also know that I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. Not one of these companies can provide me a signature stating that i authorized the provider to release my medical information to them and that is a violation of the FDCPA.
Consumer complaint received 2018-07-15
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)

Equifax is erroneously reporting my address as XXXX XXXX XXXX XXXX. It is XXXX XXXX XXXX XXXX. 

XXXX XXXX is NOT my account XXXX XXXX is an open account ( not closed as being reported in their files ).
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (CA)

This company calls themselves ARA. They said they are a litigations company and when I asked if this was a law firm, she said Yes, you call it that. They are calling relatives and claiming to be from the county and have a case #. On the phone, she refused to give me an address for correspondence. She said, they would find me & serve me & I can do a C & D in court. She also said they are not debt collectors so she couldnt c & d.
Consumer complaint received 2018-07-15
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc. (WA)

bait and switch company. They presented me with a 4.75 % rate when I pre-qualified. Then once I hard checked and my credit score went down ( meaning its harder to get a better rate from a competitor ) they then raised their rate. They said for mine it was because they couldn't verify all of my income ( $ XXXX ), which was a lie because I showed my offer letter, vesting schedule for stocks, planned ( guaranteed bonus ' ), stock XXXX XXXX account, pay stubs, and had employed for more than a year. 

HOWEVER, the illegal part was that when I went in and created a new application, with the lower $ XXXX income, I received a lower APR than they offered me on my hard checked application ( greater than .8 % difference ). The know that they are bringing people in at a lower than realistic rate, then increasing the rate once they hard check because they've impacted their credit negatively after. 

Put in a formal request from SoFi and ask how many of the original rates are honored for individuals and what percent are increased. You'll find out how they are bait and switching hard working students with student loan debt. HORRIBLE COMPANY.

Check the screen shots. I adjusted the income from XXXX to XXXX on my new application, and received a lower rate than they offered me after the hard check. It's a ploy to get more people to do the hard credit check and commit. After that, they raise the rate! 

I checked on XXXX and it looks like MANY OTHER PEOPLE have the same issue with the company. this means its a deceptive trade practice! 

https : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I do not recognize these inquiries as authorized by me. I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed
Consumer complaint received 2018-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I opened a new account with Fifth Third last year. I started depositing checks to my new Express account before I opened a Money Market. I am a smart person and understood the process, perfectly. I never once slid the bar across the app to choose " i need immediate funds '' because there was no need for immediate funds. This bank charged me three times for a total of XXXX dollars, XXXX dollars each, and this is not right. I did not chose this and have saved videos on my phone to prove it. 

I have tried to contact the bank but they don't reply except for a form letter. I am a XXXX  person on a limited income but that doesn't affect my brain. I know what I did and what I didn't do. I am very highly technical and did not make a mistake. 

This is a glitch in their system and they refuse to help.
Consumer complaint received 2018-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (ME)

The HELOC 5 year draw period was due. Current average payment of HELOC was {$340.00} per month. All financial forms that were required were faxed to TD Bank as requested on XX/XX/XXXX with confirmation of successful fax. A letter was sent from TD Bank dated XX/XX/XXXX stating the HELOC was not approved with increase in payment to {$1000.00} per month. Local XXXX  TD bank was called on XX/XX/XXXX and XX/XX/XXXX with local bank unable to confirm why the long standing HELOC was denied and repayment of {$1000.00} required. They stated they were unable to review reasons for denial. XX/XX/XXXX TD customer service was called at XXXX. Customer representative, XXXX, was unable to give a reason for the denial of continued HELOC stating " phenomenal credit score ''. The number to the renewal team was given on that date by XXXX  with call made onXX/XX/XXXXand left message. Unfortunately, despite the TD bank recorded message that all calls would be returned within 24 hours no response from the renewal team has been returned one month later. My, DPOA, daughter went to her local TD bank in XXXX on XX/XX/18 and spoke to assistant manager who assured her that she would be contacted the next day. She was not called with an explanation as stated. No call was made. A call was made to the assistant manager in XXXX  on XX/XX/XXXX with message left and still no return call. After completing a customer service form on line for TD bank a phone call was finally received from TD bank. The representative stated that a modification had been arranged with repayment decreased to XXXX. When questioned why a XXXX, XXXX y.o. widow, with phenomenal credit score, increased income over the past five years and no additional debt was not again renewed for HELOC the response was there must have been changes with XXXX XXXX  or XXXX XXXX. When questioned what the new rules were compared to five years ago the response was " I don't know ''. I am still awaiting an answer as to why the approval did not go through. Again, no late payments, phenomenal credit score, increased income. Only change over the past years was the age of the applicant.
Consumer complaint received 2018-07-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Critical Resolution Mediation LLC (HI)

Received a call from, XXXX XXXX XXXX. I left a voicemail and told him to stop calling and his number was blocked. He called back at XXXX ( XXXX time ) from a different number in XXXX. He told me it didn't matter about me blocking the number that he would call me everyday ( harassment ). I called back and he rudely told me I owed on a XXXX account for {$1900.00}. I had to call him back several times because he told me I had an attitude and refused to give me details. After being hung up on 4 times he finally told me it was an attempt to collect a debt. I have never had a credit card with XXXX and told him this but he told me he would be contacting our local authorities to handle me. He falsely told me I had been contacted and authorities sent to my address which from his records was an old address 6 years ago. He even had my full social security number which I'm not sure how he obtained this.
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

AES has been servicing my loan since inception. This company has COMPLETELY mishandled my loan and repayment process. They have required payments while my account should legally and rightfully be in deferment status ( I am still in school pursuing a XXXX XXXX degree ). I have made said payments in order to keep my account out of delinquent status. On a yearly basis they boot my account out of deferment status and make me provide documentation THAT THEY ALREADY HAVE to prove I am still in school and have not graduated from a program. During this time payments must be made to keep the account current. At one point they illegally reported a late payment on my credit that was never late because the account was in deferment status at the time. This process has been not only daunting and time consuming but also out of compliance. I requested ALL loan documentation as well as correspondence so I could begin the lawsuit process and was denied access to this information. I also requested to be put in touch with someone in the compliance department and was also denied. I receive little to no correspondence ( other than BILLS ) from this company regarding my requests and general follow-up. Every time I call I request to speak to the supervisor I spoke to previously and I am denied. This company 's practices are ILLEGAL and non-compliant. They currently have a lawsuit pending in federal court for the same issues.
Consumer complaint received 2018-07-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I currently have private student loans through Navient, originally Sallie Mae. I've been on the Rate Reduction Plan for 2 years, re qualifying every 6 months. My payments were on autopay and I've never missed a payment. My 6th month will end after my XX/XX/XXXX payment and I recently got an email saying that it was ending after XX/XX/XXXX and I needed to call in to make plans. I called XX/XX/2018 to renew the rate reduction plan and was told that I've exhausted the plan and I'm only allowed to be on it for two years. This was the first I've heard of this and there is no documentation, that I can find, stating this. I explained that there was no way I could make that payment and asked if there was anything else I could do to help lower my payments. I said that I would have to file bankruptcy. The supervisor said that if I needed to file bankruptcy than that what I need to do. She also said that they've worked with me for the two years and there are no other options to help lower my payments. They refused to work with me and suggested I refinance through a bank.
Consumer complaint received 2023-05-09
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. (TX)

XXXX XXXX XXXX XXXX has violated my rights by improperly reporting to my credit report by violating these laws 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Also States consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agency shall
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

I am providing them with a theft affidavit, which is a request for a Reinvestigation, this is not the same as the last dispute. 

I am officially requesting a block be placed on this item. You will find my Id theft affidavit attached. Do not report this information any further to any of the credit agencies. 

I requested that you inform me of how my identity was confirmed by XXXX when the account was opened. Your company informed me that you didn't have that information. Im not sure how you can report to credit agencies if you have not confirmed my personal identy. I reached out to XXXX. They informed me that they did not collect a photo id when they opened the account. Thier privacy policy also confirms this information ( see attachment ). I requested from them all personal identifiable information they have collected on me. They had an adress that was wrong, a phone number that was wrong, an email adress that was wrong, my social security number, my date of birth, but they did not have a photo id. They did not verify that it was me who opened the account. 

When speaking with your company you informed me, that you do no have a department set up to investigate id theft, I would have to contact XXXX, to have them investigate it. XXXX is not required to investigate it by the fair credit reporting act, because they are not a furnished of information to the credit agiencies. You, however are, and are required to do so if you report to the credit agiencies. I have a right to dispute and request investigations, as well as Reinvestigation directly with you. And because you are a furnisher of information to the credit agiencies you are required to respond and act in the same manor and time line the agencies are. 

I requested that your company investigate the date of delinquency, as it does not match the statments you provided to me, nor does it match the date XXXX said the services were terminated. You told me that was information XXXX provided and that it is accurate. It doesn't matter if XXXX is accurate, they are not reporting to the credit agencies, however you are, you are required to be accurate or delete the item. XXXX says services were terminated XX/XX/XXXX. The date of delinquency has to be that day or before. It can not be XX/XX/XXXX. You are required by law to update the information or remove it from my credit history. You have 30 days to investigate it and make corrections. The person on the phone only paid me lip services and took no action to investigate it. This is in clear direct violation of the fcra.
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

In XX/XX/2018, my student loans were acquired from XXXX by Nelnet and XXXX. Nelnet took over the federally subsidized loans and XXXX the private loans. Both appear to be divisions or entities of the same conglomerate. At the time of the loan acquisition, I had already rendered my XXXX monthly payment to XXXX. XXXX seems not to have received a transfer of the XXXX payment, but Netnet has. My Nelnet account is showing current, but my XXXX account has shown an incorrect delinquency since the transfer. Again, they are two divisions / entities in the same conglomerate, but can not communicate with one another to resolve this. I have called several times as well as sent in a statement for the XXXX payment made to XXXX twice. XXXX customer service is unhelpful and condescending - but the issue is that a payment that I have made is not being credited properly and I keep receiving factually erroneous delinquency notices with the corresponding indications that my account will be referred to collections. The loan transference from XXXX to Nelnet/XXXX was without my consent, has resulted in a higher interest rate and, on top of this, the monthly erroneous delinquency notices.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

I applied for a secured with Citibank about 3 weeks ago. It was denied due to bankruptcy. When I concacted the credit bureaus, they told me there is NO BANKRUPTCY!! ( I knew there wasn't ; but I called just to appease Citibank ). 
I contacted Citicards fraud department and they said there were 2 cards opened in XX/XX/1986 in my name. They told me they were going to remove them. I spoke with a XXXX, and he assured me it would be taken care of and he would return my call on Tuesday. Since I didn't hear from I've been on the phone with Citibank for HOURS for the past few days trying to get this resolved. Last night they told me it was resolved and today I could reapply for a secured card. Once again it was declined for the same reason! 
I want this fixed ASAP! 
I just spoke with XXXX in the Fraud Department and he told me to try again. I'M STILL BEING DECLINED AND THERE IS NO REASON FOR IT!!
Consumer complaint received 2018-07-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Opened CD account with capital one 360. The account shows a hold on the {$10000.00} I transferred from XXXX XXXX. The amount shows as a reduction in my XXXX account but does not show up on Capital One. Capital One shows a 72 hour hold on my {$10000.00}. It has been 72 hours and when I called after continuing to show XXXX account balance I was told that there was a hold for 10 days and that I would not see the amount for 10 days. I was given a song and dance about how this was a rate lock that was to my benefit. I work for a bank so I know this is not a benefit. I feel like my money is gone. When I told him I wanted it back in my XXXX account I was told I would be penalized for three months interest. 
I work for XXXX XXXX so I know what lying to customers feels like. I need you to do something about this. This was not something that was made clear when I signed up for the account. If the hold says 72 hours then it should be 72 hours not 10 days.
Consumer complaint received 2018-07-13
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: Experian Information Solutions Inc. (IL)

XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.
Consumer complaint received 2018-06-01
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. (TX)

I AM PROFOUNDLY XXXX AND CAN NOT HEAR WHEN HEADSETS ARE USED AND ALSO THEY ARE USE VOIP. 

MY DISPUTE ALSO WAS NEVER PUT THROUGH. 

4 SUPERVISORS REFUSED TO GET ME SOMEONE THAT I COULD HEAR ON A HAND HELD PHONE AND MADE FUN OF ME.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TCF NATIONAL BANK (MI)

From Friday the XX/XX/XXXX to Saturday the XX/XX/XXXX. ( TCF Bank ) I have noticed has continually been slow ( seems intentional ) to update banking transactions. ATM, debits and credits. It takes them up to 5 days to update and post all transactions " even if they occurred on the same day ''. Not only that! But the posting on my cell app and on PC website access have shown different dates for the update and postings of transactions. They smile when I seriously question their practice and they say that all banks do this. This I do not agree with. What I do see is this. " If I was not paying attention '', to a budget or what financial transactions I undertake. The TCF Bank would be charging me " fees '', that should not be occurring. What my experience has said to me is this, " once I don't look '', I will get hit with bouncing fees of {$37.00} or more depending on how many transactions bounce. The current frustration is that on the XX/XX/XXXX my insurance payment posted and was confirmed by my XXXX XXXX that it was collected. But the TCF Bank today on the XX/XX/XXXX told me they did not get paid because it doesn't show on the posted accounts. Mind you last night on the XX/XX/XXXX on the PC and cell app it showed that it was posted. But this morning as of XXXX it has disappeared from the transactions all together. I believe that I am not the only one going thru this erroneous practice from TCF Bank.