davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I have sent in XXXX IBR ( income based repayment plan ) applications. XXXX were denied as incorrect, XXXX were " lost '' and simply do n't appear or were simply not responded to. I finall got them to acknowledge they received on on XXXX XXXX 2016. I talked to operators XXXX and XXXX. 

the call to XXXX was disconnected while she put me on hold. 

The call to XXXX resulted in her stating that they ca n't give me a mandatory deferment, because " there 's no breakdown. ". 

I think right there is a violation of honesty and law because the definition of a mandatory breakdown is that if you are qualified they MUST give it to you. 

I asked what a Breakdown is, and it turned out that they want paper documentation of my income although they already had a faxed copy of my income as Of XXXX XXXX ( verifiable with XXXX receipt. ) So I guess my complaint is : 1 ) On XXXX XXXX, on or around XXXX XXXX XXXX XXXX initlaly lied about the availability of forbearance. Mandatory forbearance is available. 

2 ) When I told her there is something called " Mandatory Forbearance '' is available, she said " You ca n't get it because there 's no breakdown. '' Which is also false. 
I could get it, she admitted after I asked her what a breakdown is ( paper documentation of income ) that it was available. 

But Navient goes further and make it deliberately difficult to get the form required. She would not email me the form, nor admit that the form is easily available on their web site. 

She said I have to wait 24-48 hours until they place the form onto the web site, and then log on to my account to get the form. 

The choices below are naive -- " Having problems with customer service '' really means " Executives are deliberately putting in place obstructionist procedures. '' Their malfeasance in order to deliberately " string out '' loans to collect interest longer before the 25 years forgiveness may amount to fraud against the Federal Government.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have my mortgage loan with Bank of America. This is the second time I submit a complaint against the bank, when they send a letter to me threaten of losing my house. I am making payments faithfully every month, as evidenced in the attached document, however, their harrasing practices of sending certified letters to my house for " missing one payment '' are not absent in the past two years. 

Two years ago, I filed a complaint because Bank of America kept denying me the right to file for a Home Loan Modification. Afterwards, this loan modification was approved for the amount of approximately {$1700.00}. I pay every month {$1700.00} through my bank. I filed for bankruptcy in XXXX, 2015, but continued making my mortgage payments without missing one, and as stipulated in the borrower agreement. Today, I received a threatening letter of foreclosure because they have n't received the current payment, which I have the right to pay XX/XX/XXXX. 

If further documentation is needed, I will communicate with my lawyer who has all my financial paperwork, included the agreement of Bank of America for the beforementioned loan modification.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MS)

Equifax , I am not quite sure why you people wish to continue to sabotage my credit. You have re added my student loans to my credit file. They are listed on my credit file 6 times. I only have XXXX student loans and they are all current. You have duplicated the information. Please remove the duplications off of my credit file. I only have XXXX student loans which I have had on my credit file since 2005. Not XXXX. Take the duplications off of my credit file immediately. My attorney will be filing the financial harm suit against you people very soon. 
XXXX XXXX
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

I 've sent numerous disputes to Equifax and each time it 's the same old thing " We find that the information is correct '' or " the information has been update '' showing nothing more than an 'I ' dotted or a 'T ' crossed. These are judgements that are ruining my credit and Equifax feels they do n't need to verify which they really do n't anyway. They check with what XXXX XXXX has and goes off of that even though XXXX XXXX has incorrect information XXXX times over. When someone has had enough they are n't going to be taking XXXX XXXX to court, it 's going to be Equifax. None of these judgements are recorded judgements. I 've gone to the courthouse many times ( small town ) and these judgements were never recorded and do not show up as recorded judgements. The number on the credit reports for the courthouse are not even working phone numbers and I was told by court employees that they have never spoken to, let alone verified, anything with the credit bureaus so I would like the name of the person you spoke to, the address and phone number so that I can enforce legal action for reporting false information about me. XXXX and XXXX deleted so I 'm really interested in what Equifax knows over XXXX and XXXX that they can verify unverifiable information. One of the judgements has my name as XXXX. I 'm a lot of things, but I 'm no XXXX. Last XXXX of accounts : ... XXXX, ... XXXX, ... XXXX, ... XXXX, ... XXXX. I 'm just so tired of fighting something Equifax does n't even bother investigating.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

In XX/XX/XXXX my daughter wanted to attend XXXX XXXX University in NC. She had just graduated from high school and having made XXXX throughout school I did not hesitate to help her when asked to help with school loans. My daughter later transferred to XXXX XXXX University in NC to pursue her XXXX because XXXX had a three year waiting list on their program. Once again I supported my daughter. She was maintaining a good GPA and taking college seriously. We hit a few bumps along the way with my daughters emotional stability and in XX/XX/XXXX she was diagnosed with XXXX ( XXXX ). She instantly became XXXX dependent on her father and I. I would 've never in a XXXX years thought that this would happen to my daughter. Now my husband and I are left to pick up the pieces of my daughters broken dreams and financial responsibilities. I have XXXX XXXX children and we as a family are barely making ends meet. I encouraged my daughter to apply for total XXXX forgiveness and she was told that I was primary on XXXX loans and they can not be considered for the forgiveness programs available today because these are private loans. Navient has done nothing to resolve my issue or help my family with repayment. They have threatened every inch of livelihood we have. I was told they would garnish our wages and put a lean on own house if we did n't start paying $ XXXX {$700.00} right away. We can not afford that as a family. Also, I feel there should be some consideration made on behalf of my daughter because going into this situation my daughter was in her XXXX and she had every intention on becoming a XXXX and signing a contract with a hospital to get her loans paid off. As you have read things did not go as planned. XXXX I am asking for help because no one seems to understand the struggle that our family is going through! My daughter consigned on all XXXX loans and I feel she should be eligible for a forgiveness programs because she was the one enrolled in college. I was not given any other options from Navient. They want the money or say that I will lose everything we have worked hard to keep. I 'm scared to think about where my family will be then. Can I be considered for forgiveness due to this circumstance? If not, I 'm in debt for almost {$100000.00} with no way out. Please help my family today!
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Was informed by way of my XXXX XXXX account that I have a delinquent account with a balance of {$840.00} with XXXX XXXX as of 2015. I do not have XXXX XXXX as my cable/internet provider. I have been with XXXX for the past 3 + years. This item is not mine and I want it removed. 
Thank you
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NH)

A company called XXXX XXXX called my home number approx. XXXX weeks ago stating " XXXX XXXX asked them to collect a ( fraudulent ) delinquent collection of about {$150.00} from something I bought at a XXXX store in XX/XX/XXXX ''. I told them I pay my cell phone bill in full, there is nothing ever on there indicating anything purchased at a XXXX store in XXXX. Can not remember last time I was in a XXXX store. And they asked if my new address was XXXX XXXX. I told them I continue living in the house I bought XXXX years ago at XXXX XXXX. My address has not changed, so whomever account resides at XXXX XXXX is not me. Told them I 'll get in touch with them within XXXX week. They said they 'd wait XXXX week. XXXX days later they were again calling multiple times each day. Within a week I sent them a letter requesting confirmation of " such transaction and the XXXX months verification billing statement XXXX claims they sent me ''. Which I never received, because I never went to XXXX to buy anything. I get a letter from Experian saying " we 're contacting you on your new address. '' When I downloaded my credit report I find - even with the {$30.00} I paid them for a security freeze to protect me from fraud - Experian let XXXX apply a fraudulent new address to my name. I tried contacting Experian on all XXXX available XXXX numbers, but its a loop of never ending extensions that no person ever picks up. I tried putting in my credit card number to see if my credit score changed, and they blocked me saying I have to contact them with multiple proofs of identity by mail with a personal check. I went to their Victim Fraud page, click their hypertext link for " U.S. Postal Services Website Government Services '' which leads me to " USPS Links : File or Page Request Not Existent ''. I called the Experian number for " Immediate access to or fraud resolution professionals '' and it did not connect to anyone. 
It appears their claim to protect consumers paying for a {$30.00} Security Freeze only freezes out the consumer who paid for the service, while fraudulent companies are permitted to post any fraudulent collection data, and illegally change my address with no contact on any of this from Experian until After The Fact, leaving the consumer to clean up the fraud.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally request the removal of certain fraudulent accounts from my credit report. As a victim of identity theft resulting from a data breach, I believe the accounts listed below were opened without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be promptly blocked and deleted from my credit file. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (NJ)

I have a credit limit of XXXX on my chase credit card. I ca n't control my wife 's spending so I chose to carry a balance of XXXX thus limiting her spending to XXXX per month. This has been working fine, when the card reaches its limit the charge is declined and my wife stops charging until the balance is paid. I just got the latest bill and the balance is over XXXX. I called the bank to inquire how I was able to exceed my limit and their answer was that they have patterns and practices that allow clients to exceed their limits. Because of my prompt payments they allowed me to exceed my limit. If they would have sent me a letter saying that they are increasing my credit limit I would not have authorized it. Here they increased my debt ceiling without saying a word to me. How can I manage my finances when the credit limits are not enforced. To add insult to injury they said once I bring my balance below the limit they I can select to make the credit limit a hard limit. When did the limit become soft? How can they without my authorization increase my debt ceiling.
Consumer complaint received 2016-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Southern Management Systems Inc. (TX)

I called southern management systems to try to reach a settlement. I told him the most I could afford and he laughed in my face even though it was for over 1/2 of the amount due. He got very belligerent and said I was going to make you an offer but because you yelled at me which I never did he said he would n't help me at all. I feel like the debt should be paid because they refused money.
Consumer complaint received 2015-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (FL)

I briefly had a cellular telephone account with XXXX XXXX XXXX back in XX/XX/XXXX. I was on a XXXX plan an was paying somewhere between {$50.00} and {$60.00} a month. Being that my plan was XXXX, I had the freedom to choose a different service at any time. I decided to switch from XXXX XXXX XXXX to a different cellular telephone service. In XX/XX/XXXX a collection account from Enhanced Recovery Corporation appears on my credit report. This debt collection company claims that I owe {$200.00} from old XXXX XXXX XXXX debt. Being that my cell service was XXXX, this is not possible. In addition to that, my bill was paid in full when I decided to switch to a different carrier. I have attempted to have this debt verified to no avail. I also disputed this debt to no avail. I am at a loss as to what I should do about this debt.
Consumer complaint received 2015-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and II do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The XXXX time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXXXXXX XXXX XXXX XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2015-05-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2015 my son XXXX received a check from Social Security for a settlement on his XXXX claim, since he has no income he does not have a checking account.The plan was to deposit his check in my account and start a new account at another bank. He endorsed the check and i did too, i then deposited the check in the atm at the bank. This procedure take until the next day for the check to clear.I was aware of this and when i looked at my account on XX/XX/2015 there was no deposit and a note was attached to the deposit.I then called the banks help line, where i was given XXXX different excuses why they did n't deposit the check. the first excuse was that my son was not on my account, the second was a teller did not witness him signing the check! This flies in the face of the banks trying the customer to use as many electronic devices as possible. I 'm XXXX years old as of today a veteran who served his country and that was how i was taught how you deal with checks that was before the internet and to big to fail! the lack of this money has caused severe hardship on my family, we are out of food and need to pay our bills! It is my contention that wells fargo acted in bad faith and should be justly punished!
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I had a dispute on my credit report for XXXX XXXX. This account was not valid since XXXX Loans was sold my mortgage by XXXX shortly after I filed for Chapter XXXX Bankruptcy. That Mortgage was transferred back to XXXX, I contacted XXXX Loans to verify this information before contacting the Credit Reporting Agencies and they agreed it should n't be on my report. Both XXXX XXXX and Equifax were reporting it as 120 days late but Equifax was showing a balance due. I filed a dispute with both Reporting Agencies, XXXX XXXX removed it from my report after a week. Equifax did NOT remove it, they left it on my report only removing the Balance Due. When I contacted Equifax regarding this mistake they proceeded to tell me I had to file another Dispute which would take another 30 days. I contacted XXXX Loans again and they confirmed again it should n't be on my report as the Mortgage was given back to XXXX. Equifax is also not updating their system regarding my credit scores, they show a vastly different amounts owed and score than what XXXX XXXX is reporting my credit scores. Equifax reports my credit score as XXXX yet XXXX XXXX shows it as XXXX with vastly different amounts of what I have opened and owed to my current creditors. This is preventing a XXXX veteran from purchasing a home for his family.
Consumer complaint received 2016-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (AZ)

I had cable with XXXX XXXX XXXX when lived in XXXX. I only lived in XXXX for nine months. I moved to XXXX. I turned in all of my cable equipment. IN XXXX of XXXX. I received a collection notice from XXXX XXXX XXXX stating I owe a balance of {$320.00}. I made a payment arrangement with them. I paid {$110.00} ON XXXX/XXXX/XXXX AND THEN on XXXX/XXXX/XXXX I paid the remaining balance of {$220.00}. The approval code as XXXX. I also have the proof because i paid out of my XXXX checking account. I pulled my credit report and have a collection account from FOCUS RECEIVABLES Management on behalf of XXXX XXXX stating I owe {$420.00}. This account states it is opened XXXX of XXXX. I am so upset because now I have another company stating I owe monies that I have proof is paid. I am currently under investigation to obtain employment with the XXXX. I have paid all my financial obligations. i disputed the item on my credit report and will call credit bureau in the morning. Please assist in this matter. If an account is paid in full. Why would another collection agency be able to try to collect on a debt already paid! This is fraud and very confusing. I will be happy to pull my bank statement and show balance was paid in full! I also have a copy of the original credit collection service whom i paid. Thank you.
Consumer complaint received 2015-05-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo has been contacting me to collect a payment for a private student loan I received when I attended XXXX XXXX University in XXXX XXXX, XXXX from XXXX to XXXX. I have discussed with debt collection reps that I am currently unemployed and can not make a payment at this time. I was able to defer my loan with in-school deferment while I attended University XXXX XXXX in XXXX to the end of XXXX for XXXX studies. But I am longer attending that school. I have applied to XXXX XXXX XXXX XXXX University and have been accepted for their XXXX XXXX XXXX XXXX Program for the XXXX XXXX. I will register for classes XXXX. I do not have any family members or friends who can help me make this payment or any payments for this loan. I have already asked family members to help me pay off my credit card debt and they are struggling to pay their own bills.
Consumer complaint received 2015-05-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Strategic Alliances, Inc. (MD)

XXXX XXXX XXXX ( Hospital ) failed to submit a claim to XXXX XXXX XXXX for reimbursement in XX/XX/XXXX when I was on XXXX in the military. In XX/XX/XXXX, XXXX representative said the Hospital can resubmit the claim for payment. The hospital representative was contacted to resubmit the claim. A document was requested either by First Financial Asset Management or the Hospital pertaining to my case. The form was sent per their request. The hospital sold the bill to an outside collection department instead on resubmitting the claim. First Financial have XXXX XXXX XXXX attempting to collect the debt. The bill is XXXX and will settle for {$240.00}. I 'm required to pay a bill the hospital fail to submit to XXXX now owed by a collection organization?
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :