davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I was denied loan forgiveness due to a loan not paid off prior to XXXXXX/XX/XXXXwhen receiving new loans in XXXX,XX/XX/XXXX. I was a student still going to school in XXXX and XXXX how could I pay the loan off, I was still getting loans. This is a government policy and I understand that. XXXX XXXX customer service told me to pay off the XXXX and XX/XX/XXXXloans and they would be removed from my account - then, apply for student loan forgiveness again. So they put my loans on forbearance for me to do this. When I applied for loan forgiveness again, I was denied again. I was told what XXXX XXXX told me was not accurate. Just at that time, my loans were transferred to Navient. I have had nothing but bad customer service from Navient. I was also told I could go income based, this made my payment higher!! Then I was told I could do the loan forgiveness which is a 10 year loan payment. I would be able to get a direct loan and pick my loan term, but after ten years it would be forgiven. I called to have that done with the government and was told I could NOT pick my loan term and/or payment. I was also told by Navient specifically told me I could pick the term so my payment would be lower and it would be forgiven after 10 years. I am XXXX years old and will be retired in 10 years. The navient customer service told me it would be easier and cheaper for me to keep it as it is .... I would be able to pay it off. NO ONE HAS HELPED ME EVER WITH THIS STUDENT LOAN PROCESS!!!!! I have been given information that is not true or that did not apply to me. In XX/XX/XXXX, I paid my bill, it came out of my bank account twice. I was told by Navient I had to go to the bank and cancel that 2nd payment coming out, this cost me a fee at my bank. The next month when I tried to make a payment, the bank account information is not good, they can not - in their system, remove the stop payment. I was told I had to go to the bank and have my bank send a letter to their fraud department. However, the customer service representative kept telling me she could take my payment over the phone. I thought my bank account was n't good? When transferred to a supervisor, he still could not help me ; however, he did take my payment over the phone??? with my debit card linked to the account???? and it did go through ... ..My bank has no idea what they want and informed me they can not send a letter with my information on it.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

Re : Barclays Aadvantgae Aviator Credit Card Promotion : In early XXXX, 2016 I received a promotional offer via USPS mail ( Offer XXXX ) which required, registration via web or phone and the making of {$2500.00} of net charges each month for six months commencing XX/16. I have the original promotional mailing where I placed a " check '' next to the registration requirement indicating my registration. I subsequently made the required charges for each month commencing in XXXX and ending in XXXX. I was to have received, in addition to the normal perks, XXXX XXXX XXXX miles 6-8 weeks after the promotion ended in XXXX. When the XXXX bonus miles were not paid out, I called Barclays ( more than once ). In my most recent conversation ( XXXX ) I was given a totally different story. The story now was that I their system did not recognize my initial registration and that there would be no pay-out, despite their admission that the offer was, in fact extended and the fact that I met the spending requirements. Barclays has created no registration confirmation process, so I can not produce an email, a text, or a webpage confirm to refute their contention. As a side note, my wife also has the same card, received the same offer, registered as I did, made the required level of purchases and similarly did not receive the bonus miles either.
Consumer complaint received 2023-02-28
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: LEXISNEXIS (FL)

LexisNexis is in violation of the FCRA 623 ( a ) ( 1 ) ( A ). LexisNexis has an obligation to maintain accuracy of the information they furnish, the addresses in the attachment that I have provided in this complaint were never mine, however LexisNexis continues to keep them on my file that they maintain under my Social Security number. I demand the the addresses that I attached to this complaint be removed immediately.
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (VA)

I was admitted by graduate school XXXX XXXX XXXX program ). I am still studying in XXXX XXXX XXXX Arizona XXXX University-McCain XXXX ( next the White House and the XXXX XXXX  in XXXX XXXX as first XXXX  American veteran ), President Joe Biden ordered DOE and XXXX not to include student loan in credit report due to COVID pandemic situation. 

President XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX plan for canceling XXXX dollars through XXXX order or legislation. 

XXXX  company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA XXXX and USDA loan.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (CA)

I opened file # XXXX with XXXX with XXXX XXXX ( representative ) on XXXX XXXX XXXXXXXX. XXXX told me there's nothing he can do but alert the creditors. I told him I already done that, which is why I was calling to see if there's anyway I can dispute the inquires and inaccurate information over the phone. Since, I also can't do it online. He said again, they do not investigate anything, they only request the consumers to wait for a response from the credits. Which I have been doing for 6 months and still haven't heard back. The inquiries are below which are fraudulent which XXXX is refusing to do anything about : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I Also requested that he review the document, I mailed to him about XXXX which XXXX is reporting that I was late on XXXX ; XXXX ; XXXX. When I requested payment deferrals and extensions with XXXX, who stated in my contract they do not report those as late to the credit bureaus. XXXX also said they never received my disputes that I did with XXXX, XXXX, and Equifax, which I've done multiple times. So Equifax, XXXX, and XXXX in those disputes validated that XXXX provided information again and they validated that information, However XXXX is claiming in the letter they never received any dispute requests for validation from the credit bureaus. So, these credit bureaus are in violation of FCRA. Considering, they only validated based on old information and did not conduct an investigation as required by FCRA. The credit bureaus did not even respond to my requests that I wanted all info mailed to me. Because they never conducted a thermal investigation as required by law. 

I included all personal verification required to complete an investigation in this complaint. So, the credit bureaus can not say they don't have information to verify me.
Consumer complaint received 2017-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

Navient raised my interest rate without any notification on my private loans! Also, I question whether they have applied extra payments properly to my principle. I need proof of this as well as my original contract with loan terms. I requested the loan documents be sent last Monday XXXX XXXX.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (FL)

I have tried to resolve a credit dispute with Nelnet  for the past four months. I sent my last letter to Nelnet on XX/XX/XXXX  addressed directly to their CEO XXXX XXXX, and I have yet to receive a response to that letter. I am writing today in response to Nelnets response to a complaint I filed with the CFPB, claiming that Nelnet violated FCRA requirements by not responding timely to a credit bureau dispute I submitted to Nelnet on XX/XX/XXXX. I am hoping you can help resolve my issue.
On XX/XX/XXXX I filed a credit reporting dispute through Nelnets website, disputing past due payments reported on my credit report last year. On XX/XX/XXXX
, when I did not receive a response to my credit dispute from Nelnet, I submitted another credit reporting dispute through Nelnets website requesting that Nelnet remove any negative credit reporting because they violated FCRA dispute requirements. I saved a copy of both confirmations I received through Nelnets website, although I have to say their website provides very generic confirmations, which is why I print-screened to save the confirmation pages. In a letter dated XX/XX/XXXX from Nelnet, Nelnet denied any credit reporting inaccuracies and refused to remove any negative credit reporting. I then submitted a complaint to the CFPB because Nelnet failed to comply with FCRA dispute requirements, as Nelnet did not respond to my XX/XX/XXXX complaint within 30 days. Nelnets response to this CFPB complaint was that Nelnet did not receive a XX/XX/XXXX credit dispute, which is completely false. I have a copy of the confirmation page from Nelnets website, time/date stamped, from both occasions where I submitted a credit dispute. Included with this complaint are : - screen printed copy of confirmation I received from Nelnets website for my first credit dispute submission on XX/XX/XXXX, which Nelnet never acknowledged or responded to ( Nelnet claims they did not receive a dispute from me on this date, however, I have proof from their site that I submitted the dispute ) - screen printed copy of confirmation I received from Nelnets website for the second credit dispute I submitted on XX/XX/XXXX I am demanding that Nelnet eliminate all negative credit reporting in my credit file based on Nelnets violation of FCRA requirements. If this does not occur, I will contact my attorney to pursue further actions.
Consumer complaint received 2017-07-24
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. (CA)

To whom this may concern, I am writing to express some frustrations with my dealings with Equifax that has negatively impacted by ability to live my life and gain access to financial services. Specifically, Equifax has refused to provide copies of records, actions, and documents they relied upon during their investigation of a collections account marked as " XXXX XXXX XXXX ''. Which is a violation of California and Federal laws that state the consumer has the right to receive copies of the information the credit reporting relied upon in making their investigation determination. Previously, I have voiced my concerns to Equifax and in my original dispute letter I asked Equifax provide copies of the documentation that they relied upon during the investigation. However, Equifax has not responded to those requests. I also contacted and submitted a debt dispute directly to XXXX XXXX XXXX but they neither confirmed nor responded to my dispute and request for more information. As it stands now, both Equifax and XXXX XXXX XXXX are stating that the information on my credit report is valid but they have refused to provide me with any documentation, let alone a signature card, to show that they investigated these issues and that I am actually responsible for this debt. I have also asked XXXX XXXX XXXX to cease and desist contact with me but have continued to receive calls and collection letters. I respectfully reiterate my request that both Equifax and XXXX XXXX XXXX provide me with full verification of debt, with signed and dated signature cards accompanied by the full consumer contract and a history of the account statements. This information is needed to verify the validity of the debt. Equifax and XXXX XXXX XXXX can review my previous correspondence for more details on what information I am requesting.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (KS)

I am behind on my mortgage there is a current complaint ongoing with Ditech and XXXX XXXX XXXXXXXX. I received a letter for Ditech stating that my request for assistance has been denied because the application was not complete.The issue is I have not submitted the paperwork. I have not received the application yet. I was sent an email but the attachment ca n't be opened. I contact Ditech on XXXX XXXX and was told the would mail on they could email it (? ) it would take 10 days I still have not received the application. I compiled all the information needed i.e. pay stubs, bank statements hardship letter, but do not have the application.
Consumer complaint received 2018-05-31
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: EQUIFAX, INC. (PA)

In XX/XX/2017 I contacted XXXX XXXX XXXX XXXX via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. 

The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.
Consumer complaint received 2017-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I received an email and a flyer from Citibank for my Brooks Brothers Platinum credit card stating that I would receive a {$10.00} statement credit for each new automatic payment I set up for utility, cable or other monthly service provider bills. I complied with the terms of the promotion, but have not received a statement credit. I called Citibank and they have refused to honor this promotion. I have attached the email providing the terms of the promotion.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I was going over my credit reports XXXX XXXX, XXXX, Equifax and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.
Consumer complaint received 2017-07-24
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: EQUIFAX, INC. (CA)

I have submitted online disputes within the last 6 months and have not been able to get the results and one is still pending although its past 30 days and another result is merely n/a with no explaination. below are the credit report numbers in question : XXXX pending from XX/XX/XXXX XXXX completed XX/XX/XXXX result is n/a XXXX completed XX/XX/XXXX result states delivered online however i never received them. XXXX completed XX/XX/XXXX states to click on " view '' to see the report however upon clicking it, nothing happens, unable to view it.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (SC)

I attended XXXX XXXX XXXX college located in XXXX, s.c. i applied for student loans to pay for my college courses during my duration of attending there. I thought i was being over charged for the amount and cost to attend XXXX XXXX. After borrowing student loans and upon graduation, we were told by the college that the XXXX XXXX program was not accredited. I was in the first graduating class of this program but upon admission, i was never told that the college was not accredited. Many funding dollars were taken from students but the college was not accredited. To this date i have been struggling to pay back over a {$23000.00} student loan from 14 years ago. Upon graduation, our class was never instructed how to obtain a certification in our degree program. Another complaint is the student loan servicer, first it was nelnet, then XXXX and now XXXX. A lot of changing hands in the student loan accounts, dont know if statements are accurate of balances.
Consumer complaint received 2017-07-23
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: U.S. BANCORP (CA)

Complaint about U.S. Bank, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX/XXXX  XXXX, XXXX N.W. XXXX XXXX, XXXX, FL XXXX Dates : XXXX XXXX and XXXX XXXX, 2017 ; two charges of {$32.00} vs. one charge of $ XXXX {$59.00}. A vendor arbitrarily changed the billing protocol without notifying me ; this resulted in my monthly premium being raised to the vendor 's advantage. There was no notice given to me and I only found out when I received my credit card statement. I called the vendor and in the ensuing " chat '' was told that this was the way they were going to proceed henceforward and I had no recourse. It appeared from the " chat '' that XXXX had only recently taken over billing for XXXX XXXX. I asked for the matter to be forwarded to a supervisor and that I be contacted by email since I had already been on the phone for an elongated period of time ; I was told that I would be transferred to " the first available agent '' ( not a supervisor ) but that they had no email capability and that I would have to comply with their dictates. I tried to dispute the matter with US Bank but they refused to take the dispute and told me that the most they would consider would be to modify one payment so that the aggregate amounts would equal the correct total. As with the involved vendor, I was told that I had no recourse except to accept their directive ; to reiterate, US Bank refused to take the dispute.
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duncan Solutions, lnc. (CA)

I've received a debt collection notice XX/XX/XXXX ( dated XX/XX/XXXX ). I've tried to reach out to the company several times ( XX/XX/XXXX-XX/XX/XXXX ) to inform them that I'm disputing these charges as there was likely an issue with the hardware ( it's toll related and I got a new car ). The company is Professional Account Management , LLC. My Account # XXXX. I've tried to contact them several times and there is only a phone prompt to walk through. As I walk through the prompt, they ask the account number, and then the zip code on the statement. I've inputted the zip code on the statement several times, but it tells me it's invalid. I've tried to figure out how to speak with a representative but it's been impossible. There is no option for me to contact an operator. I've tried to find people on XXXX. I've tried to reach the parent company. Professional Account Management , LLC claims they have a " contact us '' page, which they don't. I've been very disappointed with the lack of transparency to this process as it will impact my credit score. Additionally, I can't contact the toll company to resolve this as they direct me to this company. 

Notice is from : Professional Account Management , LLC ( XXXX ) XXXX Account # XXXX Violation : XXXX
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

Conserve sold this old utility bill to XXXX in XXXX, yet they keep calling me XXXX 4 times a day threatening to put it on my credit report. They already are on my credit report. The problem is that they need to remove themselves since they sold the account. I am not going to pay them and still have XXXX on my credit report.