davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/XXXX I was scheduled to close on a home and when the title company pulled a New Mexico public record I was informed of a judgement against me in the XXXX judicial court of NM from Wells Fargo for a credit card opened in XX/XX/XXXX. I Immediately called Wells Fargo to let them know this was not my debt and asked how can I get this resolved since I was supposed to be closing on a home and had already given notice on our current residence. Under direct pressure I asked if they would accept {$1600.00} so I could close on my home and I was given a settlement of {$2900.00} to have the judgement removed. This was far beyond my financial resources especially for a Fraudulant account. I immediately filed a police report. Since then I have spoken to numerous people and the attorney for wellsfargo and have had no help with this matter. We have now lost the house and have been put in a unbelievably dire situation
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (WI)

The following inquiries are on my credit report. I have no knowledge of these inquiries. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

HELLO MY NAME IS XXXX TWO YEARS AGO I HAD AN ACCOUNT WITH WELLS FARGO. HOWEVER MY CARD WAS STOLEN AND CHECKS WEREM WRITTEN AND I FILED A REPORT WITH THE BANK REGARDING THIS. SOMEONE STOLE OVER XXXX FROM ME. I WAS IN A TERRIBLE XXXX WHICH LEFT ME XXXX AND UNABLE TO PAY BILLS TO LEAVE ME HOMELESS. THEN SOMEONE STOLE MY MONEYN AND COMMIT FRAUD. I HAVE TRIED SEVERAL TIMES CONTACTING WELLS FARGO THEY HAVER FAILED TO RESOLVE THIS ISSUE WHICH HAS LEFT ME NEG. AND REPORTED TO XXXX SYSTEMS. THIS WAS MY FIRST CKING ACCOUNT. PLEASE HELP
Consumer complaint received 2016-03-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

My ex-husband opened an account for our XXXX child using his name and hers with Wells Fargo Bank. He subsequently has incurred a bank levy for unpaid registration fees on his vehicles. The levy attempted to garnish the account but there were no funds in the account so the bank assessed a {$120.00} processing fee for the levy. My ex-husband does not have legal or physical custody of XXXX our children. I went to the bank with my legal documents to have them remove our XXXX child from the account and they have said that while she is able to provide consent to be added on the account she is not able to revoke consent. They informed me that she can only be removed from the account by her father and the account can only be closed once the {$120.00} fee is paid because the account is for minors only. I do not agree with this position. She should be able to revoke consent to be a party on the account at any time, regardless of if the account is " for minors '' or otherwise. She did not personally incur the levy on the account and so she should not be held responsible for her fathers poor financial choices. He, in my opinion, is unlikely to pay the levy or the processing fee and this account is likely to go to XXXX. If it comes to that, it will negatively affect her credit. She is a minor and she can not, in my opinion, grant legal consent to be engaged in financial transactions such as bank account creation. This is why minors are not allowed to open credit accounts.
Consumer complaint received 2021-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CT)

XXXX XXXX XXXX, was on an interview hosted by XXXX XXXX and he was caught in a lie on national television saying that he offered customers and/or waived customers overdraft fees ( by the customers request ) in XXXX during the national pandemic, since Chase got complete protection from overdraft fees from the Federal Reserve. 

I called in a few times during the XXXX pandemic regarding having my fees waived in XXXX and was only told I qualified for the normal XXXX or XXXX per year. I called in a few weeks ago on XX/XX/XXXX and asked about why they didnt waive all my XXXX overdraft fees again since the XXXX interview and the lady said they only did it if you called in during XXXX about it. I told her did call in a few times during XXXX and no one waived all my OD fees. She then only offered me a credit of like XXXX {$34.00} fees instead of crediting me back all my overdraft fees during XXXX because she said there was daily limit. 

Big banks like Chase receive and got all typed of government breaks and aide and did not extend those same courtesies to customers like me as they should have. I am highly upset to hear the CEO of this company taking advantage of customers and profiting off overdrafts fees during a national pandemic, were many struggled. Where is his integrity?
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

An account on my credit file is not of my own doing. Unbeknownst to me XXXX XXXX placed me onto her credit cad with XXXX XXXX as an authorized user in which she opened XXXX XXXX, 2016 with a credit line of {$3000.00}. I contacted XXXX XXXX and had myself removed and advised I need this information removed from my credit file and was advised it would not be reported if I wee removed immediately. I explained to them I never asked for this and was not aware of this. I also contacted XXXX, XXXX and TransUnion and was advised to contact the creditor. I am being told by the credit bureau to contact the creditor while the creditor says contact the credit bureaus. I want this removed from my credit report immediately.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had a car loan opened XX/XX/XXXX with XXXX XXXX and paid off in XX/XX/XXXX. I had a excellent payment history with XXXX paid as agreed and never late. I recently check my credit reports online and XXXX XXXX is reporting my old account with various negative remarks.
Consumer complaint received 2024-02-16
Product: Credit reporting 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. (FL)

I have an active FTC Identity theft file however, the bureaus keep allowing me to be further victimized. There are many inquiries that I did not authorize. I knew my credit was low so why would " I '' keep having my credit ran? I want the following fraudulent, unauthorized inquiries immediately removed. I have called and been given the run around by foreigners with these bureaus for a year now. This is peoples livelihood and its ruining my life. 

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 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 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 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 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 XXXX XXXX
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ResidentCollect, Inc. (TX)

I was a victim of identity theft and noticed a collection from RESIDENTCOLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENTCOLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2015-04-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (GA)

A bank teller, XXXX XXXX, at the SunTrust Bank located inside the XXXX XXXX XXXX in XXXX, GA, applied for a credit card in my name WITHOUT MY KNOWLEDGE AND MY CONSENT. I went into the bank to cash a check when XXXX XXXX asked if I wanted to apply for a credit card. I immediately told her " NO, I DO NOT NEED ANYTHING ELSE ON MY CREDIT! '' I was unaware that she had applied for a card until the bank said the request for a credit card was denied. 

XXXX XXXX knows she applied for that card without my knowledge and or consent. I am POSITIVE she planned to obtain that card and use it herself - better known as IDENTITY THEFT. SunTrust has taken NO ACTION AGAINST that woman even though they have knowledge that it was applied for using her id to enter the system and or placing my name ( in her handwriting ) on the form. I do not understand why SunTrust has taken no action AGAINST XXXX XXXX. Further, XXXX XXXX called my home on XXXX XXXX, XX/XX/XXXX at XXXX. asking me to tell SunTrust that I DID APPLY FOR THAT CARD AND WITH MY HUSBAND 'S NAME ( XXXX ) ON IT. My husband left his world on XXXX XXXX, XX/XX/XXXX ; his name was NOT XXXX. I told her she should lose her job for stealing my social security number to apply for a credit card that I did not request. I wrote SunTrust and told them about the call which they can verify by checking her telephone records. However, SUNTRUST has failed to do anything to XXXX XXXX - yes she is still employed at the SunTrust in the same XXXX store. This " application '' for the credit card will appear on my credit which is a strike against my credit. I do not understand why SunTrust has not removed XXXX XXXX and issued ANY TYPE OF APOLOGY or compensation for the aggravation to me! 

I guarantee you that XXXX XXXX has used other individual 's social security ( especially senior citizens ) and received credit cards which she, XXXX XXXX, is using - she is guilty of identity theft on my behalf and I am positive on several other senior citizens who may not track their personal information. XXXX XXXX must be fired and forbidden to be employed in any field that contains personal information on individuals, especially senior citizens! 

I want her removed from that position. I want any reference to a credit card application removed from my credit report ; I want to be financially compensated for the frustrations and aggravations caused by XXXX XXXX 's illegal use of my personal information AND attempting to get me to lie for her. She is not telling the truth when she says she did nothing wrong. SunTrust is harboring a thief. SunTrust must review all applications XXXX XXXX used to apply for cards including the info on what she used to apply for a card in my name. They will confirm that she placed that request for the credit card. Further, the bank could probably XXXX that XXXX XXXX has a husband or someone with the name of XXXX to whom she is providing my information.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed an inaccurate negative record appearing on my credit report with TransUnion, XXXX, and XXXX. It was reported by XXXX XXXX XXXX. I also filed a complaint against XXXX XXXX XXXX with CFPB. XXXX responded and advised that they had submitted for deletion of the record and provided a reference number - " AUD deletion, control # XXXX '' The record was deleted from all XXXX reports. On yesterday, however, I received a notification that TransUnion had reinserted the exact same negative account on my credit report.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (GA)

I graduated XXXX College in XXXX Alabama in 2006, for XXXX Diploma and XXXX Degree. And I am paying student loans for XXXX/Navient and Direct Loan/XXXX.Why am I paying for my student loans and the school has closed down a few years ago?
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (WA)

In XX/XX/2019, I upgraded my existing AMEX Hilton card to their offering AMEX Hilton surpass card. They offered a bonus of XXXX bonus points on a spend of XXXX dollars. I made the spend and got the bonus in XX/XX/2019. Later in XX/XX/2019, i decided to downgrade my card to a non annual fee card. Later on XX/XX/XXXX, when I logged into my account, I was presented the offer to upgrade to surpass card again with the offer to earn XXXX bonus points after spending XXXX dollars. As i had a big spend coming up, I upgraded the card once again and made the spend. Amex now refuses to honor the bonus points as they claim they already gave to me in XXXX. They confirmed over chat by Mr. XXXX that I was actually offered the upgrade with the above offer but I am not eligible as per terms and conditions. Given AMEX already knew I had the card earlier in the year and I had already redeemed the offer once, why did they even present me to upgrade the card again with the same offer. They are misleading the customers in this case by offering something they know they won't honor. When i ask for a copy of online contract I signed during upgrade via chat, they refuse to give it to me.
Consumer complaint received 2017-05-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

XXXX  transferred my Reverse Mortgage in  XXXX  to Champion Mortgage Company. They terrorizing me since end of last year by harassing and threatening as well as unlawfully actions. They wanted proof of insurance for my condo. The policy from th e HOA and my per sonal insurance were submitted numerous times, but they still sending me threatening letters, denying they have received the policy copy. Even though they sent me on  XXXX / XXXX / XXXX  a confirmation letter that they have cancelled the force placed insurance in my name because there was no lapse in coverage, I still get these letters with threats up to delinquency and foreclosure. In the meantime the HOA insurance agency faxed the new insurance to  XXXX , which expires on  XXXX   XXXX , they ignore this and sent letters. Because of the unlawfully forced place insurance they deducted my monthly payments since  XXXX  for {$20.00} I wish they stop harassing me and refund me the {$20.00} per month since  XXXX  and continue to pay the {$20.00} in the future with the original payment plan of {$210.00}. Since they do not make any profit no longer and I had to sign  ( the  first time ever an occupancy form ) I believe they on purpose unjustified threatening and harassing me to make me abandon my home  or to drive m e to death so they do not have to pay me no more the monthly payments. Trying to talk to them at  XXXX  is hopeless ; they act like they are robots, reading a giving text non-stop.   This nightmare must come to an end!
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Convenience checks — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America lied to me about the interest rate on my credit card. I was told that the go to rate on my card would be XXXX instead it went to 22 % interest. They stated it was because of how I accessed the cash with a convenience check instead of doing it online or over the phone even though when I made the advance I was told it go to the purchase APR and not the cash advance APR.
Consumer complaint received 2017-05-30
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. (FL)

I am writing to dispute  XXXX   XXXX   XXXX  on credit report number  XXXX . The status listed on the account is current, yet you show this account as being Adverse. Please delete the account.
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: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (NJ)

Hi was told 3 weeks ago in XXXX 2017 that they would n't be able to put my loans on Forberence spike to another rep 2 weeks ago told me not true put my loans in Forberance only to find out they did n't bow there threatening me by letter that they will send me in collections and take my wages. Its been so confusing I feel ill over this its like the never ending loans. They try to send me application for repayment its confusing I do n't know who to trust anymore please this is making me so sick they send me letters almost every three days.