davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I have had numerous problems with Sallie Mae starting since 2003. When I enter college, I was lured to apply for several private loans without thorough explanation as to the variable interest rates, and the consequences of their increase over time. Once, I completed my studies I was overwhelmed by student loan debts, and Sallie Mae did not show any flexibility in repayment options. I was emotionally and mentally stressed and I tried really hard to find solutions to repay Sallie Mae. Unfortunately, once I completed college, like most XXXX I needed to find a job. During this lapse of time I told Sallie Mae that I was experiencing financial hardship, yet they show no sympathy to my situation and forced me to repay my private loans. I had to go back to school, and this time to graduate school hoping that I would earn a diploma, which will enable me to find a high paying job. My loans were postponed yet the interest kept increasing. Consequently, when I came out of XXXX school, I was not able to pay my loans back with a meager salary as a XXXX XXXX XXXX ; since that was the position that I was able to find right after school. 
Since I was unable to repay my debt Sallie Mae send my debt to a collection agency, which handles my repayment at this time. Now, I am forced via an automatic repayment taken straight from my account to repay my debts every month, and I 'm only paying the interests of my loans not even the principal amounts. I feel financially defeated! 
Based on my personal experience, I would be very interested in filing a class action lawsuit against Sallie Mae for its innumerable violations of federal and state laws, and for bullying people like me into submitting to their unfair practice.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX & XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Consumer complaint received 2015-05-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NC)

I took out student loans with XXXX XXXX financial to help cover my college tuition. 
The loans were later converted to Navient. After repaying on the loans for over XXXX years I saved enough to pay off the account. In order to ensure that the payment was handled properly I called their customer support line and their agent informed me of the payoff amount as of that day and that it could take up to XXXX days for the account to show paid in full. I made the payment at that time per their instructions for the posted amount. 
After XXXX days I have now been informed that they will not show the account as paid in full for up to another XXXX days for the account to show as paid in full. Please note, they changed the terms of their agreement XXXX days after the payment was posted and now claim they have up to XXXX days to show an account as paid in full. 
The loans in question were for XXXX University and the University XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (IL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MD)

I am being charged by Best Buy for a service that I did not request or approved. I made a purchase a service was provided for three months for free and then I had to cancel if I did not want to continue the service. I should not be charged for a service that I did not approve. I should not have to call to cancel a free service that was provided. The company is stealing money from me. This service should not be tied to a product unless authorized by the party who will have to make payments. These charges happened on XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}. This is not the first time that they have did this and refuse to refund the dollar amounts. They should not be adding a service to products otherwise people can go to other places to make the same purchase.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.
Consumer complaint received 2022-09-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Happy Money, Inc. (FL)

Happy Money ( PAYOFF loans ) issued me a loan which they make it difficult to make final payments and caused my account to incur additional interest. They will not issue a 30 day payoff which does not appear to cause additional interest except for the fact that their website does not allow me to make the last smaller payment to close out my account. My account shows past due even though I made a large payment in excess of the actual amount due a week before the due date. 

When I attempted to make my last payment, Happy Money does not allow to make a small payment and only allows for the regular monthly payment. My options from the website are to over pay hundreds of dollars or contact them to setup the payment. This again causes increased interest to my account. 

The first time I reached out to the company I received a response that they are closed for 2 days due to a company outing. More interest. 

When they got back to me the payment could not be scheduled for a few more days. More interest. 

All of this extra interest might be a small amount but they are doing this to multiple customers. I found this out by looking at social media and found others complaining of my same situation. This makes me feel that it's done on purpose to increase profits. 

I have included 2 screenshots. One shows that I made a large payment but yet the website still says I'm past due. The second shows that I'm unable to pay the {$81.00} balance. The {$81.00} has additional interest because I was unable to pay using the website but they do not provide a statement that shows this.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (NY)

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX @ XXXX! I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My identity was stolen I send a dispute to Transunion for the accounts and they still reporting this account Dept Of The Treasury File Number XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

I just learned about Navient being sued for cheating borrowers and having read the complaints, I fit the description. Originally, I just thought this was just how student loans were so I thought it was the norm. Navient has done the following that was either misleading, inaccurate, or just plain ignoring me : 1 ) I sent several emails through their self-service contact form, but never ever received a response back, phone support denied that any were ever sent, but you have to be logged in to submit the contact form. Unfortunately, I have no proof that I submitted the contact forms since they do n't send you email confirmation or show a form # when submitted. Just that it 's submitted. They have no listed contact emails and their only emails are no reply emails. 
2 ) Phone support lied and gave me inaccurate information from their website in their FAQ section. I graduated in XXXX of XXXX, so my grace should 've ended in XXXX depending on the loan, which they were based on their website. But when the time passed, I saw online that it was pushed to XXXX XXXX without any notice or indication that there was a change. I asked about it and they did not give me answer other than the grace period is what it is and was not changed as it is based off your graduation date. Grace is clearly 6 months, so how is it possible that grace period was pushed another 6 months when my graduation date is easily fact checkable and verifiable. They obviously wanted to pull the wool over my eyes so I would keep paying the minimum so they could accrue more interest. 
3 ) Due to the high loan interest and recently having a daughter, the impending monthly payment was going to be too much though this was before I found out that grace period was pushed, but I called to see if I could look into rate reduction. They said I can only claim forbearance if myself and co-signer call for bankruptcy which sounded ridiculous since their website says there are options to help you, not make things worse. The next day, I get an email that my request for a new repayment plan was denied, but I never requested a new repayment plan, I just wanted to inquire. I did not consent to applying to anything new. 
I am so glad someone is looking into them because for years I thought this was just the norm and to XXXX it up, but I 'm glad I 'm not the only one being wronged by this company and that action can be taken. To reiterate, I have been misled, misinformed, lied to, and ignored by Navient.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Letters were sent to Equifax, XXXX, and XXXX in regard to incorrect personal information they have on each of their reports. I asked for removal as well as any and all documentation pertaining to how and from whom they received this information. I received no response from either three bureaus, and the incorrect information remains on their reports. I have attached copies of the letters that were sent to each company which lists the information that needs to be removed, asap.
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

On XX/XX/XXXX I called to Wakefield & Associates due to them calling me and leaving a voicemail about debt needing to be collected. I called to get information on what supposed debt they had about me. The rep shared that I had medical bills not paid for the service dates of XX/XX/XXXX and XXXX XXXX, XXXX and that this was my Acct XXXX to pay the debt online. I informed them that I never received a bill from the doctors to reprovide my insurance for insurance to cover and pay. Wakefield and Associates told me that it was too late provide my insurance information to cover the bill with the doctors. I asked to know who the doctors were, they shared it was XXXX XXXX XXXX and XXXX XXXX. I tried to follow up with the doctors offices and was unable to get ahold of someone associated with these doctors. I called my XXXX insurance to ask if they had ever received a claim from these doctors for those specific dates. The XXXX XXXX I spoke with, his name was XXXX and verified that they never received a claim and asked that I try to get the itemized bill to resubmit a claim. I shared that it was sent to collections. XXXX was willing to help me get Wakefield and associates on the phone and get that information. I provided XXXX with Wakefields number. I verified myself to Wakefield. I gave XXXX permission to speak on my behalf and try to get the itemized bill. Initial Wakefield rep had to transfer our call to the Manager of my account. I believe the manager we spoke with was XXXX XXXX. After speaking with her, she confirmed that she would email the itemized bill to XXXX for the claim to be submitted and pay bill. 60 days after this call, I followed up with my insurance claim department because Wakefield reached out again about the debt. The rep I spoke with shared that Wakefield never sent the itemized bill and that the claim has not been submitted. Over time I have called Wakefield to provide the itemized receipt and state the name of the manager who told us she would send it and they dont send the itemized bill. I am tired of calling to get this cared for when my insurance is willing to pay the bill and just need the itemized bill and this company is not being complacent and giving me the run around. This is very frustrating and I refuse to pay out of pocket for a service that happened while insured and covered by insurance. I have been working diligently with XXXX credit repair to get this cared for and I am very frustrated with this not getting anywhere.
Consumer complaint received 2022-09-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act # XXXX, has violated my rights. 

XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, ( Hard Inquiries ) on my reports that I have no knowledge of XXXX XXXX XXXXXXXX XXXX XXXX  & XXXX & 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 am and have been a victim of identity theft which you will see in my report XXXX 


15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-01
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: DISCOVER BANK (CT)

XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Discover, XXXX XXXX XXXX XXXX XXXX XXXX Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. 

Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. XXXX of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. 

I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to XXXX XXXX. XXXX.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

Account Number - XXXX1 Service Provider - aidVantage I requested a refund for three one-time payments I made and have not received a straight answer from AidVantage. 

Refunds Requested total to around {$12000.00}. 

I requested a refund for the three payments below : XX/XX/2020 - {$4500.00} XX/XX/2020 - {$3700.00} XXXX {$2400.00} I was told they couldn't find the payments and so I couldnt be refunded. They told me to call my old provider ( fedloan ) who then told me to call back AidVantage since they received all the loan information. 

Now when I try to call AidVantage, each time I call they hang up on me.