davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As a matter of fact, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ) was investigated. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX ), I was able to file a Borrower Defense claim with the Dept. of Education against ( your school ), and my Fed. loans were discharged and my credit repaired. 

My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2019-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MI)

On Monday my car was removed from my apartment complex when my mother called me to see if If I was home and where I had been all day.i am three months behind on my car note but have been more than six months last year behind on my car note and caught up this year due to my pending XXXX case in regards to my XXXX XXXX XXXX. I did call ally they told me I would not be able to get my vehicle back unless I paid over XXXX. I explained to them once again in all the times I had been late that I am pending an Ssa case and receive XXXX a month. I originally took out my loan in XX/XX/XXXX. In XX/XX/XXXX I was taken off of work and notified ally in XXXX and XXXX for an XXXX XXXX. I am in the process with my attorney XXXX XXXX filing my appeal XX/XX/XXXX for my Ssa claim. I lost my job and have been reviewing long term payments since XX/XX/XXXX and continued to catch my car up when I could and always when I have got my taxes as this company has refused to help me refinance. In XXXX of XXXX I was behind, they contacted my mother my father my cousin XXXX XXXX, my aunt XXXX XXXX as well as my cousin. XXXX XXXX to leave them messages for me to contact ally. Since when does ally get all my families information and why are they contacting cousins aunts and parents regarding my loan? This is illegal as they are not the consigned of my vehicle and they continue to call me and then call me mom whose number is listed on the XXXX. In XX/XX/XXXX my payments became long term and went through XXXX solutions of XXXX XXXX. During my pending XXXX case every time I have spoke to them they would add to back of my loan or I would have to catch it up as always. I receive XXXX a month and XXXX total after taxes are taken. Ive told them number kid times I was pending XXXX from XX/XX/XXXX to current and that after taxes I the XXXX a month yet they continue to not work with and now have my vehicle. I have told them that my federal student loans were waived and they continue to not refinance but even now call my moms phone or my dads but then get XXXX with me for a XXXX pending Ssa case. I do not feel it is fair and feel I have been violated since my local XXXX doesnt help clients with children to catch required vehicles items during a disbaility. I called preferred XXXX where I originally bought the car to see if I had XXXX insurance or gap. I spoke with XXXX who even agreed to help refinance my car for lower payments at the dealership I went to XXXX miles away.
Consumer complaint received 2021-01-22
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: I.C. System, Inc. (MS)

I.C. System, Inc has reported this account to XXXX as a derogatory action every week since XX/XX/XXXX. The other dates reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I.C. System, Inc is violating the Fair Credit Reporting Act ( FCRA ) of XXXX with unfair credit reporting practices in attempt to lower my credit score on a weekly basis in retaliation for a previous dispute regarding my credit report. 

I.C. System, Inc is well aware that continuously reporting the same debt on a weekly basis is unfair and retaliatory and could affect my credit score, thus affecting my credit worthiness. 

There is no reasonable reason for I.C. System, Inc to report this information every week, on the very same day of the week when there is no change in the amount of the listed debt.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MS)

I received a XXXX, cancellation of debt, form from Macy 's in XXXX 2017. Stating that the debt in the amount of {$750.00} has been discharged. I contacted XXXX 's and they explained the form so I offered to pay it and they stated that they can not accept payment due to the statue of limitations and them writing off the debt with the IRS. I then pulled my credit report and noticed that the amount and past due amount was listed {$1000.00} on all three credit bureaus. This is incorrect due to it 's either {$750.00} or {$0.00} due to the attached form which clearly states cancellation of debt. I disputed this item with all three bureaus and they stated the information was verified by Macy's/Citi. I then called them again and it seems that I keep getting the run around. This item is still on my credit reports as of today. I called Macy's/Citi and spoke to representative number XXXX and she stated the same thing that the rep stated in XX/XX/XXXX. So my point is if you wo n't accept payment because you received tax incentive and it is past the statue of limitations, take the balance to {$0.00} or delete it. This has really affected me. The FCRA states that the creditor is responsible for accurately reporting to a credit reporting agency or they must pay. Macy 's is breaking the law by inaccurately reporting.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

I am in an active bankruptcy, a senior citizen, XXXX, and lost three out of four jobs to COVID. I have help to pay my payments by a school and/or XXXX XXXX, but need a W-9 form filled out by my mortgage Company for me to turn in with my applications. I called on XX/XX/2020 and got hung up on several times with no resolution. I finally talked with an oversees representative who assured me that he would automatically send it to my e-mail immediately, as well as send me copy in the postage mail. I tried to contact them all day on XX/XX/2020, getting hung up on several times and told that there phone service is not working. No resolve on that date! Today, XX/XX/XXXX, I was told multiple times that they would check, placed on hold ( if I was not disconnected immediately upon calling ), then disconnected and multiple times just hung up on. I asked for supervisors, given a female at XXXX Extension # XXXX and XXXX at the same # Extension # XXXX. I was promised not to be disconnected by both, and a promise of a call back ( which did not happen by the first ). I was told that they would take another XXXX days in which they would decide if they were going to send it, it had to go through a review process first. This information is time sensitive as my help will disappear if I do not provide this W-9. I was told on the XXXX that it was sent E-mail, now told that they did not, and might not send it at all. I have checked with an attorney, who stated that it is illegal to withhold this W-9 as the IRS states this. I need this help, but can not get resolve, as they keep moving the date to a longer hold and outright refusing it. I have called 23 times in the last two days, gotten hung up on, disconnected and refused this paper. I need some help to obtain this!
Consumer complaint received 2023-01-19
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. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is
Consumer complaint received 2023-05-31
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-07-25
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: OneMain Finance Corporation (LA)

I have a loan with ONEMAIN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX   and ONEMAIN with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (VA)

On XX/XX/2018 my car was totaled. I made a claim through my insurance company and they paid the ACV for the vehicle. After my insurance paid their part I still had a balance which GAP covered some of the remaining balance. I have my auto loan through Santander Consumer. I was told through GAP that they only could pay XXXX on the balance. The total balance was XXXX which Im left with a XXXX balance. Ive contacted Santander several times to ask how they came up with that amount, but they keep giving me the run around. Also they want me to pay XXXX a month on a car I dont have. I also tried to negotiate with them to see if they can lower my payments, because with this balance still owed I cant get financed for another vehicle. I know I may owe them some money but I feel that I dont owe them that much. Now I am stuck without a vehicle, and I cant get financed for another one because they wont work out a plan with me. I dont know what to do in this situation Im just upset because Santander already received 33 payments from me at XXXX a month. They received XXXX from Gap, and XXXX from my Insurance company. So totaled they have got over 30k for a vehicle thats only worth about 12k. So please help me in this situation or give me some input of what I can do. Thanks
Consumer complaint received 2015-12-31
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (NV)

I have a auto pay set up for my credit card every month for military star for three years never missed XXXX payment and as XXXX this year even with a auto pay set up, miltary star did n't take out the balance while making me late for two months. I tried to explained to them I was out of town for XXXX funerals and I did n't know my payment has went up and they only took XXXX instead of XXXX for XXXX and XXXX making me late. I have never been late for over four years. I tried talking to miltary star reps they said you should had paid and I said this is a mistake I paid for four years and have auto pay. They said that 's my fault and you should pay your bills. This is so out of bounds, i told her I was revive refinancing my home and she said this is not gon na help XXXX Never tried to help. I said I have many problems in this world from combat but this got to be the worse day in my life for miltary star to do this. The supervisor talked so mean and never tried to help in this matter. It 's more about jacking people credit than helping seeing this is a mistake. The first XXXX says a was n't late and then I kept asking her about the late payments and she did n't know her owned system. Miltary star has people who do n't know what they are doing and they jack people credit up and do n't care. When you purchase you have 30 days before you have to pay on the purchase you made they do n't. If you make a purchase before your purchase this will be added to your payment before 39 days
Consumer complaint received 2017-07-06
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. (FL)

I placed an order with an online merchant, XXXX XXXX ( XXXX ), through their website on XXXX XXXX, 2016. The merchant immediately charged my credit card in the amount of {$2100.00}. I have not received any good or services from the merchant, nor have I been contacted by them. I have attempted to contact the merchant via phone and email to inquire about the transaction and have not received any response. I have also contacted my credit card company, Chase Bank, and they refuse to dispute the transaction.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm asking for a investigation because some of the accounts on my credit file are not mine and I am asking for these accounts to be inserted of the correct person credit file. I did a investigation and the person with the same name is XXXX XXXX I gave police department her information when I made a police report.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I received a call from a debt collector who was stating they were trying to collect a debt from an old banking account from when I was XXXX. I am now XXXX XXXX XXXX. They told me if I did not settle outside of court they would file against me and I would be charged with a felony. They refused to work with me and wanted me to pay XXXX a month for 6 months. Which would be impossible for me. I can not find this company online or with the better business bureau. I do not believe this is a real debt collector. I checked the local courts around me and confirmed nothing has ever been filed against me for this matter. I called Huntington bank, where the debt was originally from, and they advised that they also do not believe this is a real debt collector and also advised they dont even have a record of me in their systems anymore. The company that called me said they were called XXXX. And their address is a virtual address. Not an actual address. The name on the contract they sent me and want me to sign is XXXX XXXX. When I asked them why I could not locate them online they said it is because Huntington bank is their customer so only they can look them up. I had to cancel my bank card as they had that information. I called legal aid and they advised me not to sign anything and to report as they also believe this to be a scam. Since telling them I will not sign anything and I want all information of the debt mailed to my home they will no longer answer or return my calls. The phone number given to me to call is XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted Transunion at least 3 times over the last few months advising them I am unable to access my credit report and disputes via the transunion portal at transunion.com. I have 6 devices I have attempted to access the credit report and the disputes and I receive the same error message everytime. For access to my credit report it says : unable to access but for my disputes it states that there is no history which is a massive error, I have had plenty of disputes both online and via email with Transunion, I attempted to access my credit report on freeannualreport.com on XX/XX/2024, I was able to access XXXX and XXXX credit report but when it came to Transunion I received another error message.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.