davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

I have asked repeatedly over the last year or two how many qualifying payments I have made as part of my PSLF loan. Every time I inquire the number is different and reduces the amount of qualifying payments I have made. When I ask about why this is I am given an ambiguous " just wait and see '' type of answer. I have submitted on time payments, and all required paperwork, while working for a qualifying non-for profit/public sector agency for this entire time. I have to date made 51 payments since I consolidated my loans totaling {$39000.00}. I have reached out yet again to FedLoan to inquire about the discrepancy. I am concerned at the mishandling of my student loan, and the inability to answer why this number continues to drop or why my payments are not listed as qualifying. Please see the list of payments made below. I do not have dates for the many, many calls I have made but Fedloan should have a record of this. 

XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00}
Consumer complaint received 2019-07-14
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. (NC)

The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX  XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.
Consumer complaint received 2017-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY (SC)

TD bank takes exceptionaly long reporting income to XXXX XXXX. I am using this to supplement income between pay dates and can not because TD wo n't give them the information they need. Please fix this ...
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX is reporting failed to pay on a closed account on my Experian. The account has been closed since 2013, and its reported as a negative item now. As if I made a late payment yesterday. It a closed account and closed account should not show open balances. XXXX and XXXX are reporting it properly.
Consumer complaint received 2019-07-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NY)

Ive had a previous claim against this company. They have been giving me false information in regards to extending my terms for a lower interest rate. 

I Initially expressed my interest in looking to lower my interes initially expressed my goal to lower my interest on one of my loans. My loan is earning 11 % interest currently. I was told if I extended my terms to ten years, Id have my interest reduced to 4 %. I was told this by three people. The customer advocate explained the refinancing structure the same way as the other representatives did until I asked further questions. 

I later learned from the customer advocate that the loan was actually for 12 years not 10 ends the first two years were the only years Id be receiving a reduce interest rate. After two years, my loan would go back to 11 %. That would of cause me to pay back over double what Im intentionally paying currently. This wasnt disclosed to me and I would of agreed to these terms if I didnt ask more questions. 

They break the discussion down into months instead of years to hide what youre really agreeing to.

When I told them I was looking to refinance my student loans, they denied my forbearance even though I had only used nine out of the twelve months. They did so a day before reporting it on my credit score causing my credit score to go down, inorder to ensure I couldnt get a loan/better rates through another student loan provider. 

I wanted to start recording these phone calls because Salle Mae records them as well for their records. When I told management I was recording they said, we do not authorize the recording. Clearly, they do not want me having the records for legal reasons but feel free to record on their end.

Its clear that they do not want me to refinance elsewhere so that was there intentions for denying my forbearance even though I had more than enough time and a plan in place. They waited until the very last moment, before it reported on my credit score to do so. The strategic moves are single-handedly done in order to ensure that you keep the loan within Sallie Mae. Thats why they didnt disclose the loan extension details and then tarnished my credit score.
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (WA)

Hi, I signed on to the chase checking account because I saw the {$200.00} bonus that came with opening an account. I had directly clicked " open now '', so that the coupon code would be applied directly. So I opened the account and set up the direct deposit as per the terms of the sign on bonus, however, after it's been over a month and I haven't received the bonus yet ( even though it should be after 10 business days ). I checked with them over email and they said that they could not apply it without a coupon code, however, as I clicked " open now '' directly from the promo page I had not received a code.
Consumer complaint received 2019-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

Navient continues to call telling me I need to make a payment even after a payment has been processed. The call multiple times per day and harass me for a payment. I tell them I have already made a payment and they do not stop calling.
Consumer complaint received 2019-07-14
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. (TX)

I have contacted XXXX, Equifax and XXXX separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX  XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days  after the date of receipt by such agency of
Consumer complaint received 2017-06-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OH)

Did a money transfer to a person that I have sent money to before. They gave me a tracking number which I sent to the receiver. Two days later, they sent me a cancel of the transfer? I have called several times and they will NOT give me a reason. I asked tot talk to whoever makes decision and they are protected from giving a reason for the decline and cancellation. I tried several times and they will not even tell me why? I am thinking to send again, but why waste my time?
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (NC)

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. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a XXXX woman who ca n't even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stole my identity, I cant even XXXX XXXX XXXX XXXX and I views my credit report and seen things I never applied for please help this has got me so stressed, she has been arrested as of X/XX/2017  please remove these inquirys from my credit report I did not do
Consumer complaint received 2018-10-30
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: LEXISNEXIS (CA)

Hello, In XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy and compliance of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 
They responded back and said it was verified as accurate. I sent another letter to them in XXXX requesting the procedure that they used to verify the accuracy and to also send me copies of names, addresses and phone numbers of each person they contacted from the court. 
They responded back with a letter saying that I requested them to initiate a dispute on my behalf with XXXX XXXX and XXXX, and that I would have to dispute each agency separately myself. THIS WAS NEVER IN MY LETTER!!! 
Also, In XXXX, I requested that LexisNexis put a security freeze on my report. That was granted on XX/XX/2018 and is still in effect today. 
Because they failed to provide me the information that I initially requested, I sent them another certified letter in XXXX requesting the same information to either be accurately verified or removed from my report. 
This time, they NEVER RESPONDED AT ALL! So, I sent them another certified letter in XXXX to inform them that by not replying in a timely manner to my initial letter dated XX/XX/2018, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Then, for whatever reason, they initiated an investigation with both XXXX  and XXXX  without my knowledge, nor my permission, and responded back saying that the public record on my report had been verified, and that the source of their verification was XXXX??? At this point, I realized that they are just playing games! 
However as one last act of good faith, I sent out two more certified letters to both LexisNexis headquarters and to the CEO of the company on XX/XX/2018 asking still, for the proper proof of verification from the court. 
They both responded with the same letters saying that I need to launch my own separate investigations with XXXX XXXX and XXXX! 
This is ridiculous! 
I'm tired of playing these games with them!!!
Consumer complaint received 2019-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

REF TO EQUIFAX AND XXXX : COMPLAINT THESE ENTITIES CONTINUE TO ALLOW THESE COMPANIES TO PUT THIS ACCOUNT IN MY CREDIT REPORT WHICH HAVE BEEN TAKEN OUT MANY TIMES PLEASE REMOVE FROM MY REPORT I WOULD LIKE THEM FINED {$1000.00} XXXX COLLECTION {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Reported balance Original balance {$140.00} You owe 83 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 2 yrs, 10 mos ) Account status Please send NY attorney general complaint as well New York XXXX Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX NY, XXXX XXXX These companies have violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

I am still fighting the same issues for years and XXXX and Equifax do nothing about arent they supposed to do something they are not getting true fact these collections agencies are only verifying my name and personal information hey received from somewhere and they are not validating the debt and these two agency allow them to keep putting these two account in my credit report it is not fair. Equifax and Experian are not manually check this situation they are relying on computers. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX Date of Birth XXXX, XXXX Social Security Number : XXXX. 
XXXX Driver LIC # XXXX
Consumer complaint received 2018-10-30
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. (KY)

Equifax has disputed XXXX XXXX 3 times or more for me since XX/XX/2017. I'm finally putting my foot down. I exercised my Fair equal credit rights & was rerouted several times getting different results. I asked the representatives to provide me with the exact information that XXXX used to authenticate me to Equifax & several could not find notations addresses or anything. The last representative was asked the same thing and lied using the information I had used while being pre screened or verified. Funny thing is they sent me my most recent credit file to a Ky address that could not be saved unless requested in writing. He took no time to blurt out my old Ohio address thats been on my file for many years ago. Equifax allows minimal informations for debt collectors because Equifax sold them this information in the first place. Equifax needs to have criminal charges filed for violation of my rights after trying to exercise them here in the United States. XXXX  & XXXX   removed this account in question several hours after the dispute. Equifax refuses no matter what I do to prove they are wrong which I have done multiple times lately.
Consumer complaint received 2019-07-14
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)

To whom it may concern : written you three time already about accounts in my credit that do not belong to me, you have refused to remove from my credit. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report.
Consumer complaint received 2018-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company called Portfolio Recovery has continued to harass me about debts from closed accounts that were the result of identify theft that happen over 15 years ago. A police report was filed when my wallet was stolen and everything had been taken care of at that time and the accounts closed, but in recent months this company seemed to have ran my social security number for debts I have informed them that I do not owe and have possibly put them back on my credit reports which I now need to check. They also made a call to me a few minutes ago which was after XXXX XXXX  Eastern time which I know is not legal and made continued calls to me while Im at work and late hours using different phones numbers that show on my caller ID coming from different states. Although I have continued to tell them these accounts are not mine and they could not collect from accounts from thar long ago they have continued to call almost every day and sometimes 2 or 3 times a day from different numbers for over 6 months now. Tonight was just too much and just all I can put up with and I felt I needed to file this complaint. Also there is another account they have been trying to collect from, but their was not a link or room to list an additional account Portfolio recovery is trying to collect for. It is from XXXX that is over 15 years as well. Your assistance would greatly be appreciated.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX. XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

On a statement sent on XX/XX/2019, Wells Fargo sent me an escrow statement claiming there was a shortage on my escrow. I have the option to pay over 12 months, or just pay them the shortage amount in full. The issue is that either option had me paying a lower monthly escrow payment than I was previously paying. The " shortage '' is based on an even lower arbitrary number, not my previous escrow payment. This seems deceiving to customers, and likely is used for people to pay them extra money up front, rather than issue an escrow refund for over collecting, which pads their numbers for quarterly reports.