davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MS)

I graduated XXXX school XX/XX/XXXX and have made automated payments since XX/XX/XXXX to XXXX XXXX ( and then Navient XX/XX/XXXX ). I have a fixed rate of 3.5 % after repaying on schedule for 36months. Original loan was at a 4.75 % Fixed interest rate and I receive 1.25 % reduction awards. 
My complaint is that XX/XX/XXXX my note increased by {$160.00} with no known warning. I do not recall any warning of this increase but I do remember receiving the notice that my loan was transferred to Navient. This increase placed my my monthly note very close to XXXX of monthly net income making it very difficult to keep up with other payments such as insurance, house and vehicle notes. 
I must admit it took me a while to discover that was the reason my personal account was not balancing for me. I continued to pay because I did see that this was going directly to my principle and helping to pay my loan down faster. 
XX/XX/XXXX things became especially hard with continual increases in my monthly health insurance premiums. I called Navient and submitted online to receive information on other repayment options. I received a return call and was offered a balloon repayment plan that would increase my note an additional $ XXXX-XXXX per month for a shorter period. A plan that was even more unaffordable for me. The caller informed me that this was the only reduction plan for which I qualified. Since then I have received weekly and at times daily calls offering me the opportunity to enroll in federal repayment programs for a fee. While these options sounded better, I am skeptical of solicited calls and could not accept any of their offers. 
It is now getting to a point that this monthly note feels overwhelming and part of the reason that I can not save or improve my living conditions. It is a great deal higher per month than my house note, car note, and soon I expect that my health insurance note will be it 's only close rival, consuming my monthly income. 
Another concern is that the Navient website does not supply me with the name of my original lender. I am almost positive that my loans are both federal as I have never taken a school loan through a bank but I should be able to readily access this information through my Navient account. Instead the space next to Lender is left blank. 
I need better options. I need lower payments. I need lower percentage rates. I need help and Navient is not offering me any solution but to stay enslaved to this debt.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NY)

FEDLOAN servicing claims I was delinquent several times, some over 150 days, XXXX times on my credit report. I have attempting to contact them and get this resolved but they will/can not help. I received one monthly statement from them and except for maybe 2 months in each year was behind because I was filing for income based repayment ( IBR ), Deferment, forbearance, which I had been approved for. 90 % of the one monthly statement I received from them had a {$0.00} payment due. Currently my account is discharged due to XXXX and it is no longer with them and all they tell me to do is contact the new creditor, but they have nothing to do with what FedLoan is reporting. Their loan and reporting practices which from what I have read is under investigation has cost me a mortgage, a loan and I ca n't even rent an apartment. It looks like I have not made payments on XXXX separate monthly account statements several times at the same time for 150+ days. This is incorrect and should be considered illegal reporting. By failing to update and correct previously reported information, FedLoan Servicing is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

I have worked with the credit reporting agency for almost the entire year, I requested proof of validation on a bankruptcy per the fair credit reporting act, which gives me as a consumer the right to have anything on my report validated or it must be removed from my credit report because the information is incorrect and not 100 % accurate. I wrote the U.S. Bankruptcy court in South Carolina, and I got a letter back from the clerk of court stating that no reporting agency received any information that was requested, which means the item was not verified. I have documentation, certified from every encounter with the credit agency, I will gladly mail them to you upon request because they are to numberous to e-mail, however, I will include a copy of the letter I received from the clerk of the bankruptcy court in South Carolina.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (VA)

I am trying to/ get a credit report. For my identity thief to give to the police report and district attorney 's office. I have been out of the county from XXXX XXXX until XXXX XXXX. I have given this company everything I had. I still ca n't get a report. Thank you
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MO)

During the 2009 - tax year - The Internal Revenue Service file a lien - However the filling of the lien was an error by the IRS officer - to make matters worse the IRS office let our case pending without proper resolution - The IRS office left the IRS for different position Now I have record of lien being filed for the last 5 years without being moved from my credit report - First : We did paid our taxes on time Second : Since the lien was filled it was never removed from our credit report it has affected my personal credit for that last 6 years - I have contacted the credit agencies with no luck - I would like this negative credit reporting to be removed from our record
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Experian credit report investigation is being requested at this time. 

Thank you, XXXX
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Most of the the securely question about my last credit history cant not be answered bc I have nevered applied or had a home mortgage in my life. And to answer how much is my mortgage a month I do n't know the answer bc I never had or applied for a mortgage in my life. I was looking through my Experian credit report on my phone a min ago and before the site crashed Ive seen XXXX CREDITED CHECK 5 TIMES ON XXXX. Half of this must be fraud bc the only time I step foot in a XXXX store was a few weeks ago just to browsed. please I have to this issue resolved bc this is fraud.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NJ)

A collection account with XXXX XXXX XXXX XXXX, account number XXXX was previously deleted from my credit report now and readded. They are reporting an open date of XX/XX/2014 which is not true and a balance of {$70.00}.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

Experian is reporting incorrect personal information that I have sent multiple times to remove it. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Social Security Number : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

I have repeatedly had difficulty accessing all three credit reports and scores for the purpose of disputing information. Without purchasing monthly monitoring, I have not been able to access my reports aside from a monitoring service ( ProtectMyID ) provided by a medical company due to potentially compromised personal information. The information provided through the ProtectMyID website ( Experian ) indicates significant incorrect and derogatory information on my report. This is extremely problematic and has made it impossible for me to obtain credit that is necessary for business related travel and expenditures. Not only has it been impossible to obtain my credit reports through the XXXX major bureaus, I have been unable to dispute the incorrect information ; thus, leaving me with a false indication of my creditworthiness and inability to rectify the errors in a timely manner. From what I have been able to view on my credit report, accounts that do not belong to me, as well as incorrect dates ; amounts ; demographic information ; etc., remain on my report and I have not been able to get this corrected despite repeated attempts.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NE)

The allowance of easy deferment after 10 years my original loans were at about XXXX now are at XXXX. Financially devastating to make XXXX month payments. Please help me understand what options I have for resolution
Consumer complaint received 2015-08-14
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: ESCALLATE, LLC (AZ)

Company is called Escallate, their phone number is XXXX, and they are calling BEFORE XXXX, today it was at XXXX, also, it 's an automated message, partially cut off, and I had to XXXX the phone number to find out who the company was.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

I am and have been a student that has been enrolled in a program at least half time. Every 3-6 months despite my student status, I begin to receive harassing emails and phone calls from Navient demanding payment for loans that are deferred. On at least 5 different occasions I have told them that I am a student and to stop but every 3-6 months it starts again. I have one loan that is on automatic payment that should only be {$25.00} a mint while I 'm in school. This month, they deducted the full amount from my account and I can not get in contact with anyone to get the money returned.
Consumer complaint received 2015-08-03
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CASHCALL, INC. (CA)

First Cash Call never ever thoroughly explained my interest rate nor explained to me how long it would take for me to pay it back. I fully remember when I took the XXXX loan, the rep told me it would be XXXX a mth and for me to do the math and figure out how long it would take. I took it out in XXXX, have paid it every month on time and today I noticed I still owe XXXX. I asked them how is this possible, and they responded with I should have read the contract with XXXX of their reps. I was deceived and taken advantage of by that first phone call with them. I asked questions but they have lied since that day one call I placed to them. Secondly, I asked they take the $ money out on the XXXX, but no, since XXXX they 've been taking the money out on the XXXX. I called and spoke to them on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and today, all for the same reasons to please do not take money out til the XXXX and they have ignored my every request. Today I called my bank to put a stop payment on these jerks, and if I do decide to pay them back I will on my own terms, but having been lied to, deceived, and taken advantage of, I 'm leaning on never giving them a dime again.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (LA)

I went to XXXX to get my report. The Experian questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Sent letters to Experian disputing the inquiries on my credit profile. Experian could not provide proof with my signature signing up for any of theses creditors services. All of the following inquiries are inaccurate and unauthorized : XXXX XXXX/XXXX/XXXX XXXX XXXX/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 2015-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX thousands dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In 2011 this company sent multiple letters requesting this be removed from my credit report. It has been 4 years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. XXXX, XXXX, and Experian are still reporting this negative account on my credit report.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Experian was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: OpenRoad Lending (AZ)

I received a solicitation from open road lending XXXX/XXXX/2016 for refinance applied for a refinance and was so called approved for refinance and interest rate@13.64 percent XXXX a month the company had me fax over all documents needed for funding to submit to the so called investor which is XXXX. Spoke to XXXX at XXXX after this so called approval and went through a so called phone interview confirming all of my employment resident info etc .... interest rate 1st payment date recorded affirmation agreeing to the terms of the new loan. He advised it would take a few days to complete the refinance and if there were any additional questions he would contact me. Received a letter in the mail from XXXX advising I did n't qualify for a refinance at this time after they verified my credit. 1. I received a so called approval from open road lending who failed to also disclose this information and 2. I did not give permission for XXXX to pull my credit report. I had my credit pulled and was told the approval expired 30-days from XXXX/XXXX/2016 which was about XXXX/XXXX/2016 this company has completely mislead me as a consumer and I want this resolved and want to know why this was not disclosed and even after applying for the refinance it 's like it was a fake approval. I also will be consulting counsel on this one this is not okay.
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (CA)

I paid the original creditor, XXXX XXXX XXXX, ( which was a fraudulent account opened by my ex-spouse with my information without my permission, as he is an employee of XXXX XXXX XXXX ), and then a month later a collection for that same bill showed up on my credit report.
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

On several occasions, over the last few years, we have had problem after problem dealing with Navient and their practices as it pertains to my private student loans. During the last three years, they have made several claims that we have defaulted on the loans, and missed several payments so I can not have my co-signer released from the loan. As we get close to the two year mark in order to have my co-signer released, they claim the missed payments, late payments or that we have been in default. 
Also, during a period of XX/XX/XXXX to XX/XX/XXXX, we made a change as to our banking. During that period Navient tried to withdraw funding from both the new bank as well as the old bank. When the payments were denied through the old bank, Navient penalized us and assessed late payment and returned payment penalties. Also during this same period, we have tried in vain to deal with Navient as it pertains to setting up automatic payments from our new bank. 
Navient would not allow this as they claimed those missed, late or in default payments would not allow us to be enrolled in the automatic payment program. Yet, on several occasions we had given our banking information to Navient to have the automatic payments set up and they did not inform us that we could not be part of that program. So, we were under the impression that we had been in fact part of the automatic payment program, but in all actuality we were not. It was not until two to three weeks later when the payments were missed, due to no fault on our part, Navient would call us demanding immediate payment. We explained that on several occasions that we were led to believe we were part of that automatic payment program and this should not have happened. Those within Navient then became rude, insulting and dismissive as to our questions and concerns. 
On several occasions we want to continue in the lower aggregated repayment program, but Navient said that we could not continue in that program as we were in default, missed payments, had payments returned and other assorted reasons.
Consumer complaint received 2017-02-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

XXXX finance, ,ge bank. was how account opened. synchrony bank absorbed amazon custoners out of ge bank. amazon store card. synchrony bank internally ( tech escalation ) altered account, then 5 yrs of trouble free electronic payment fail pointing finger at account holder... close account! Demand payment.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

I requested the investigation and re investigation of mis reporting or any state and federal violations per XXXX compliance on accounts listed on my credit report. The credit bureau responded that they have in fact verified ALL accounts with the creditors and that EVERY account is reporting ACCURATELY. When contacting a few creditors myself, I have learned that they did not furnish any information to the CRA and have not verified any accounts. There are also errors within terms, statuses, etc. It is the responsibility of the CRA to make sure everything they report is accurate, verifiable, and 100 % Valid. They are reporting incomplete information? Is n't this illegal. Why am I asked to provide information if I myself made the request. I have been trying to get this all worked out for a few months now and to no avail. I had no choice but to file this complaint. It is preventing me from moving forward.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I have an Initial fraud alert on my Consumer credit report. I have reports from XXXX XXXX and XXXX XXXX XXXX department saying they are removing Hard Inquires from my report. I have other hard inquires on my report I believe to be in error.