davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I had problems making payments on time and getting correct information about additional repayment plan options. 

Hi, I need help urgently. 

Ive was with Sallie Mae prior to XXXX and Navient since about XXXX. 

Ive worked full-time for a non-profit since XX/XX/XXXX. 

Ive had major difficulties with Navient since my loans were switched to Navient in or around XXXX to XXXX. 

My question : Why did they not immediately advise me to switch to a direct loan and/or Public Service Loan Program back in XXXX? 

Although they have documented over 60 on-time IBR payments on time since XXXX I was originally setup prior for IBR prior to XXXX, however, Navient made several critical processing errors in subsequent years, I believe in order to revoke and extend my IBR plan beyond the 20 to 25 years as required in order to apply for forgiveness. 

Even after many phone calls explaining to them that I had submitted my IBR request in XXXX of the prior year, when renewal was scheduled for XXXX the following year, they not only did not process my paperwork on time, which caused in accurate bank transfer collection but also caused inaccurate reporting of on time payments. 

These one-time charged were in amounts of over {$500.00} and over {$1600.00}. They didnt even send me an email prior to sending the payment requests? 


Their incompetence and I believe fraudulent activity, not only caused me be farther behind payments on my IBR program, they also flat out lied to me when I asked them if there was another payment program relating to my employment with a non-profit 501 ( c ) 3. 

They said I did not qualify without even directing me to the proper federal government website in order to confirm what they were saying. They also didnt even consider asking me for my employers non-profit status and/or contact information to verify the status of my employment. 

Im under the assumption that there are recorded phone messages that will corroborate these statements as I had spent many hours on the phone with Navient arguing as to why my annual IBR applications were delayed by over 3-months on several different occasions/years. 

I really need advice on how to proceed and how to find a suitable way to correct these violations to my rights. 

Im also, is in the process of working with Docusign to apply for a Direct consolidation loan in order to qualify for the Public Service Loan Forgiveness Program requiring 120 months of on time payments, however I dont know if hey will advise me on my rights to obtain retroactive IBR payment credits that can be applied to a Direct Public Serice Loan Forgiveness program, as Navient is an official government approved loan servicing provider. 

Navient has documented over 60 on-time payments, however I believe the number should have been much higher, closer to between 90 & 100 payments. 


Sincerely, XXXX XXXX XXXX of XXXX XXXX
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I submitted a complaint through CFPB and they said that the {$37.00} fee would be refunded to me on XX/XX/XXXX and it HAS N'T been done. Response from original complaint. On XXXX XXXX, 2017, FNB issued you a one-time courtesy refund of OD Fees in the amount of {$37.00}. I need this done like XXXX XXXX XXXX said it would be and I have no further questions or need to speak to anyone on the phone. If you care about my business and want this to be finally resolved then I expect XXXX XXXX XXXX to make sure it gets done. Please respond back to this complaint when it is truly done and I can pull it up in my online banking and see it done, I realize it will now be done after the XX/XX/XXXXbut need this done ASAP.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, division of childsupport has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right 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 2020-06-20
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: ERC (CA)

XX/XX/18 incident date XXXX XXXX  XXXX XXXX XXXX Amount charged {$2800.00} with 26 % interest revolving -MALPRACTICE ON A MINOR. 
-NEGLIGENCE FOR FAILURE TO A INITIAL CONSULTATION. 
-NEGLIGENCE FOR FAILURE TO PRIOR ACCURATE MEDICAL ANALYSIS OR HISTORY CHECK. 
-MALPRACTICE FOR INCOMPETENCE POOR PERFORMANCE. 
-INTENT AND DENIAL TO RIGHT TO CANCEL CONTRACT WITH A LESS THEN-24 HR NOTICE. 
-REFUSAL TO COOPERATE COMMUNICATION LESS THEN -24HR AFTER PATIENT REQUEST TO CANCEL. 
FAILURE -BUSINESS CONTINUED PAYMENT WITH INTEREST FOR NO SERVICES RENDERED.
Consumer complaint received 2019-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (PA)

I took a loan from avant it has a problem on the start i told them to take automatic payment on my savings and they took it out on my savings they told me to call the bank but its not fix so i just decided to fix it by just paying the fee so it will be no problem since nobody claims the mistake. After that i pay it myself i cancel the automatic payment. So i paid XX/XX/XXXX no problem and i paid XXXX in XXXX no problem and by the end of XXXX i made another payment for XXXX. After that i kept on getting email that my XXXX payment is due and i called Avant to fix it because i made a payment already and they told me just ignore it and a week i received another email that XXXX payment is due i called Avant again and they told me ignore it because i made they payment already and i told them make a note because i dont want to get charged by a late fee. Now it happens they charging me {$38.00} something for a fee that i dont know anything about it and even though them they cant figure it out. This is not fair and this look an overcharged on what they doing and its not fair. For 3 months no late fees and now they will charged me. I spoke to Supervisor name XXXX she dont even know anything about it. I hope that those people that have account with them to check their account before making a payment. {$38.00} is alot of money and they will get it for just like that. Please help me on this matter. Thank you
Consumer complaint received 2017-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (CA)

On XXXX/XXXX/XXXX I received a call from XXXX XXXX at XXXX XXXX XXXX, phone # XXXX, XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. She claims I owe {$13000.00} to XXXX XXXXk. I told her I do not recognize this debt and she has the wrong person. 

On XXXX/XXXX/XXXX I received a letter in the mail from ARA.
Consumer complaint received 2021-06-07
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. (TX)

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

This is an ongoing issue with my mortgage servicer. Even after a previous complaint to the CFPB regarding improper handling ( Case number : XXXX ) of my account I can still get ZERO information on this loan. Ocwen made a motion to the bankruptcy trustee to receive a XXXX payout after my case was dismissed. The judge awarded them the money over a month ago, but i have been unable to track down where missing funds currently are. The balance on my loan changed by a small amount yesterday, so i called both yesterday and today looking for information and no one will tell me anything other than my account is being handled with " legal '' - and treated me like I had somehow defaulted or caused this problem with the loan. 

My mortgage is not being properly serviced and I am being denied basic information on my account. I made payments in good faith to the bankruptcy trustee on this account and because of Ocwens poor practices the money was never applied. Now - I ca n't even get any information on the account and am being treated like I am the one who did something wrong. This morgage was current for YEARS before being transferred to Ocwen.
Consumer complaint received 2017-02-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

Umpqua Bank shut off the debit card that belonged to the joint on my account for no reason. The local branch said it was because he had n't used it in 6 months. This account is over 20 years old and has thousands of dollars in it, has never been anything other than in good standing. This account started with Sterling Savings at least 20 years ago when I worked their, they never did anything like this. Typically joints are on the account for the just in case and I had such a case come up and that is when he found out his card was no longer good. Luckily, the joint was not traveling because they would have just left him stranded. I did not get any notice of this, the disclosure does say that they can take a card for no reason, but I have been in the banking industry for years and this is done for account abuse. If this process continues the joint will need a card every 6 months, so really they are n't thinking to clear as the cost of the cards do add up. 
You do n't have a correct issue on the bottom that best describes my issue. 
Thank you! 
XXXX
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

Verizon wireless pulled my credit without my authorization and equifax is not willing to remove the unauthorized inquiry, XXXX wo n't remove it either. I stopped at the verizon store on XXXX just to check their phones selection and what plans they offer and never authorized them to pull my credit. 
verizon Application # XXXXEquifax dispute # XXXXI want XXXX and equifax to remove the unauthorized inquiry to be removed from my credit report.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian is consistently coordinating accounts lacking integrity encoding wreckless billing, violation Declaration Labor Act poor labor and wage, late payments, inadequacies of credit limit and high limits, written plagiarism by foreign account holders, violating Georgia Medicaid HIPPA Act by cyberterorism defamation of SS # and defamation of character jeopardizing National Security.

Last 4 digits if SS # XXXX. 
XXXX XXXX
Consumer complaint received 2015-05-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (FL)

I have a 48 month auto loan with Westlake Financial Services payment of {$370.00} which is due on the XXXX of each month at the end of my 48 month term with a balance of {$900.00} which was due on XXXX/XXXX/15 on XXXX/XXXX/15 I only paid XXXX of the balance because of the high balance that all I had. And I told them that when the call kept coming every day XXXX a day or more after the XXXX of XXXX. They said the call will continue every day unless I hold it with a credit or debit card and told them every day that I will make the final payment when I receive my XXXX check on XXXX/XXXX/15. The call continue and I answers everyone and answer every question concerning my address it same thing everyday from the home phone to the ceil phone which I ask them to remove over a year ago because the ceil verbal and in writing. These past 21 days been a nightmare
Consumer complaint received 2016-08-26
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: V and H Portfolio (LA)

I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against Vance and Huffman and XXXX XXXX XXXX. Once bureaus investigation was completed it came back the information disputed with Vance & Huffman was verified, no change and XXXX XXXX XXXX as new information. In receipt of this information I sent Vance and Huffman a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
Vance and Huffman than replied with a letter saying they received my dispute for verification and to be advised that Vance and Huffman confirmed the name and address listed on the account as well as the amount due. XXXX XXXX XXXX has not responded to my request.
Consumer complaint received 2016-08-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

The Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), and also The Federal Trade commission states payment must be credited the date it was received. I filed a complaint with Ocwen Mortgage company by phone and they replied XXXX XXXX, 2016. They stand firm with processing the XXXX XXXX Payment the following day instead of the day received. This violates Fair Reporting practices and Loan servicing rule. Any assistance you can provide will be greatly appreciated.
Consumer complaint received 2021-10-04
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: TD BANK US HOLDING COMPANY (IL)

This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on XXXX and XXXX they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.
Consumer complaint received 2021-06-07
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. (NJ)

Hey I was taking advantage of due to non-practical laws being broken due to XXXX by your company. This causing financial injury. this destination of character. I cant get a job. I can't apply for credit. Hey i can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I opened my JCP credit card with {$5500.00} credit line. My payments were between {$25.00} to XXXX XXXX monthly. I always gave JCP {$100.00} every month towards my credit card payment. Last year they had their XXXX stores removed. During XXXX on The months of XXXX, XXXX and XXXX of XXXX I made purchases at XXXX and also made my monthly payment with the XXXX cashier as I was permitted to make XXXX purchases with my JCP credit card and also I thought make payments. Several of my payments were not recorded on my account! I made multiple payments, JCP fraudulently prevents consumers from viewing the cash payments made in the store! It takes up to XXXX business days to reflect! That is one of the problems! Another is I encountered was the customer service reps in their 1800 phone number saying they see the payment but will take some time for the payment to come off the balance! Shortly after I realized my payments were not on my Statement then after disputing with JCP Customer Service then claimed an internal investigation would take place I also called the Store in XXXX Ca. Filed a complaint! I was told JCP was removing all their XXXX XXXX from JCP still my payments were never found I was given the run around and told I should have called the JCP credit card bank that issued my credit! I thought I had been calling them the whole time! I have been fraudulently deceived as JCP stole additional payments through there XXXX XXXX as I also tend to make a cash payment when making a purchase and On XX/XX/XXXX I made my normal {$100.00} through the store to find out my interests rate had Sky rocketed and my minimum payment was now over XXXX XXXX monthly! They flagged my account although I never missed a payment And decreased my credit line to XXXX /and charged me a late fee ; that has since been credited back But did not adjust the inflated interest rate to top off I was being charged XXXX XXXX  monthly in interest And also the JCP Credit Card app the force you to use is useless as you can not view payments instantly nor transactions only statements that do not upload until statement date! I have been a victim of fraud by JCP would them investigated!
Consumer complaint received 2021-06-07
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: AMERICAN EXPRESS COMPANY (NY)

I filed five complaints with XXXX because they are mixing me up with my father. His credit card keeps showing on my credit file and I want to get it removed. We share the same first name but our last names are different and we share the same address. My first complaint filed to them was some time back in XXXX. My following complaints were XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and I believe XX/XX/XXXX I also made a complaint to them over the phone. I try to contact American Express but when I tell them about the situation I get told that there isn't a card registered to my SSN and that I should take it up with a credit bureau. I am confused because if American Express is telling me a card doesn't exist under my identity why does XXXX insist that it does. I do not understand how XXXX thinks the card belongs to me when I have filed so many complaints to them even going as far as to send them a photo of our IDs next to our respected cards to prove that the card does not belong to me.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (TN)

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. I have 34 accounts that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) Equifax Mortgage Services assumed this role and my direct written instruction/permission was never given. Equifax Mortgage Services is in violation of my Right to Privacy according to 15 USC 1681 4. Equifax Mortgage Services did not exercise its grave responsibility, was unfair and was partial. Furthermore, Equifax Mortgage Services did not have a permissible purpose under 1681 b 2. I never instructed Equifax Mortgage Services to furnish this report and I never consented to this report in the first place. I am demanding that all of these accounts be deleted from my report and file along with my phone number and all inaccurate names. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted
Consumer complaint received 2017-10-15
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. (TX)

This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good