davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WV)

On XX/XX/2020 at XXXX I called my student loan provider, Navient, to discuss options to lower my private student loan payment. I explained that I needed relief for just this one month of XXXX because my pay had been reduced by the airline I fly for due to COVID-19. 

I was first told by the representative that I had ONE option, and that was to enroll in a reduced interest/payment plan for 6 months ( there was a second longer term that I forgot. ) She took my income information and the told me the new payment in the program would be XXXX cents, which was higher than the amount of the payment posted online for XXXX, XXXX. I then explained again that I am unable to make the XXXX cent payment. 

The representative then simply said 'No, there is nothing else we can do. '' I then explained that I would go insolvent on my bills and would not be able to make the payment. 

THEN, after making that statement, the representative explained that there was the other option of using a forbearance to delay my payment for another 30 days. 


This is one of several times I have been brazenly lied to on the phone about my options for delaying/reducing payments by Navient. Their customer service representatives will lie to you in order to make it seem as though you have no options, and then after the fact present ANOTHER option that was not mentioned before. How do they get away with this?
Consumer complaint received 2020-08-17
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I have an XXXX credit card that is managed by Comenity bank. I have been trying for over a week to make a payment to them however there has been outage or cyber attack and I can not log into my account to make a payment. Their phone systems are down too. My payment is going to be late and will affect my credit score.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I have never been late once, and I have carried a XXXX balance this year because of Covid19. The  company sent me a letter to tell me they closed my account without giving me a chance to make a purchase to keep my card open. 
Citi sighted incorrect reasons for this decision. My FICO score is XXXX and I have not had a late payment on ANYTHING on my credit report for over 7 years. 

My credit revolving balance is 20 % on my other cards. This was unfair and arbitrary abuse of Citi Cards. My longest credit account is 30 years. 

During unprecedented times this was a way they are protecting Citi and not following fair practice under the law.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

I was forced to leave XXXX XXXX XXXX due to unsafe and healthy conditions and notified them of such. when I moved out I owed nothing and they owed me a credit plus my security deposit. I filed a complaint in court to receive my security deposit back and received it. They then Hired a collection agency who then posted a false collections report on my credit record. I filed a dispute with the collection agency Hunter Warfield and receive no response, and I filed a dispute with XXXX. 
This is in XXXX county XXXX, Maryland. I moved out XX/XX/2019.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I would like to dispute and have remove a XXXX XXXX account with a balance of XXXX and opened on XX/XX/2011 listed on my EquifAx Credit Report. This is account is inaccurate and incomplete its missing the Many months of reporting I have disputed This Item several times however it continues to be verified as accurate.
Consumer complaint received 2019-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. ()

Chase is a very bad bank for me, I called them many many time to send me a debit card and transfer money to XXXX XXXX. They refuse to send me a debit card, I really need my money to buy food, pay apartment booking etc. Chase is not human being to me, they just like animals to me. They want to control my money, they are very bad to me! Very bad customer service to me!
Consumer complaint received 2020-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (MD)

I received a phone call saying that I owed a debt. I wrote to the company requesting written documentation of the items in question. I also wrote to them and asked the not to contact me by phone but only by mail. I used the CFPB template letters for these purposes. 

I continue to receive daily calls and i have yet to receive any written documention as to any alleged debt.
Consumer complaint received 2021-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (NV)

On XX/XX/2021 I received a phone call stating XXXX XXXX XXXX XXXX XXXX was attempting to serve me with paperwork that they were taking me to court. They stated that unless I paid their settlement amount or agreed to enter into a payment arrangement of {$200.00} per month for 10 months they would sue me in court. Also stated that they have a tax return offset against me and were in the process of filing a wage garnishment with my employer already. The debt was for {$1000.00}. I have paid a settlement offer with the collections company that is listed on my credit report, XXXX XXXX XXXX XXXX, when I spoke to the representative there, they stated that they have not heard of the other company, and that it is illegal for them to state that they have a tax return offset and that they were filing a wage garnishment form with my employer without a judgement against me. I contacted XXXX XXXX, who stated he is the manager of XXXX XXXX XXXX XXXX XXXX, today XXXX XXXX at XXXX XXXX PST and he stated that the collections company does not own the account even though they are the only one reporting to my credit reports and that they are going to serve me with papers and that they have the legal right to pursue tax return offsets and wage garnishments prior to a judge hearing the case. The phone number for XXXX XXXX XXXX XXXX XXXX is XXXX.
Consumer complaint received 2019-09-08
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. (NY)

I would like to have removed a Public Record listed on my Equifax Credit Report. This Public record is inaccurate. It states First Reported XX/XX/2014 however This item was not filed or listed prior to XX/XX/2014. I have disputed This Item several times however it continues to be verified as accurate.
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (NJ)

Total Visa keep losing my payment information. There was a glitch in the automated system and my payment was not accepted. They even gave me a confirmation number, yet, they tell me the payment did not go through successfully on XXXX of this month. 
Someone is blocking access to my online account at Total Visa. I made the payment on XXXX of XXXX and they are reneging on crediting the fee to the account. I believe that someone is trying to use my credit and they are supporting their mischief activity. Why am I not able to go online and see the damage to my credit? I made a new payment on the XXXX and I was given a new confirmation number.
Consumer complaint received 2020-08-17
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: ERC (MI)

I've been disputing XXXX for a balance of XXXX for what seems like forever they allowed someone who couldn't have shown identification to get service and want me to pay for it it's unfair for me to be paying for there mistake and to have it on my report
Consumer complaint received 2018-11-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Salliemae/Navient has ripped me off for over 10 years. They tried helping me by doing multiple forbearances to catc hup the payments I was behind on, but now I simplky cant afford it. I took out a $ XXXX loan in XXXX, now the balance is {$11000.00} and its XX/XX/XXXX. I understand there is a lawsuit against Navient for steering students and borrowers to do forbearances only to make the financial situation worse. I am struggling to make ends meet and want to try to find a way to either have this forgiven, or lower the monthly payment while actually bringing the loan down. Please help.
Consumer complaint received 2018-11-28
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. (TN)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-08-17
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: WELLS FARGO & COMPANY (GA)

I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO BANK with no successful resolution. ( XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2020 )
Consumer complaint received 2023-01-24
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. (FL)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Amount : {$32000.00} Account Type : Charge Off Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account XXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-07
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: CITIBANK, N.A. (CA)

This complaint submission is in regards to an Unauthorized Inquiry reported by CITI BANK NORTH AMERICA / THE HOME DEPOT. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITI BANK NORTH AMERICA / THE HOME DEPOT is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Account Verification & Consumer Protection Department by the name of XXXX and XXXX. It was extremely difficult to obtain any information from them. I then obtained their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Department had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITI BANK NORTH AMERICA / THE HOME DEPOT immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITI BANK NORTH AMERICA / THE HOME DEPOT is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Consumer complaint received 2020-08-17
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)

On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main XXXX account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by XXXX until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted XXXX and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided XXXX, XXXX and Equifax all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.
Consumer complaint received 2021-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (UT)

XXXX XXXX, which bought my student loans from XXXX, recently sold them to Firstmark Services, effective XX/XX/2021. I attempted to submit payment electronically via online banking but it did not go through. I spoke to Firstmark who suggested sending checks, which I did, also through online banking. These checks were deposited by Firstmark, for {$170.00} on XX/XX/2021, for {$170.00} on XX/XX/2021, and for {$170.00} on XX/XX/2021. Despite following their instructions, Firstmark applied these three checks to only one student loan. Firstmark continues to badger and harass me about the second student loan, even though I called in several times and their representatives have requested that the misapplied funds be redirected to the correct loan. The last representative said there was nothing she could do to expedite the correction and that I would continue to receive collection calls until they sorted out the situation. This is obviously unacceptable.
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OH)

Direct Express is the most difficult place to reach someone for help. Their CS people give wrong or partial information and usurp cases and disputes. They do not explain nor care if you can actually reach them about what the problem is. They do sham denials on disputes consistently on many people including myself. 
Money is lost. Lives are affected. This bank is horrible and social security needs to warm revieptients of all problems associated with using this card.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXXXXXX XXXX XXXXXXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXXXXXX XXXX XXXX & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXXXXXX XXXX  XXXX I did not give this company or others permission to run my credit report and I declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX  XXXX, for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX, and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted.
Consumer complaint received 2020-08-17
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: Navient Solutions, LLC. (MA)

I see several 120-180 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.