davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2021-05-18
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I was looking over my credit and I seen a address that I never lived at in XXXX OH. XXXX XXXX XXXX XXXX, OH XXXX. Someone was apply for accounts in my name for cellphones an credit cards at that address. There are several accounts from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX that I do not recognize. I have filed a complaint with the FTC and the CFPB to protect my identity. I live in XXXX West Virgina. I never live in XXXX OHIO. I am trying to refinance my home and I need these accounts removed they are fraud.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CA)

THIS HAD TO DO WITH U.S. BANK AND I HAD ALREADY MADE A COMPLAINT, BUT BECAUSE THEY ARE BETTER EQUIPPED TO TO GIVE A BETTER RESPONSE THAN MY CLAIM I LOST, AND THAT WAS NOT EVEN FAIR, AND THEIR RESPONSE WAS NOT ON POINT, MY COMPLAINT WAS OVER SUM TRANSACTIONS THAT THE BANK HAD MADE AND THE AMOUNT OF TIME TO BE DOING THIS TIMED OUT ON THEM, NOT ME, THEY PLACED ME AT FAULT, AND I WAS UNDER THE IMPRESSION THAT MY BANK IS SUPPOSED TO PROTECT MY BETTER INTEREST, AND WENT LIKE THIS, I WAS MAKING PAYMENTS OVER A 10 MONTH PERIOD, WHEN I WAS DONE MAKING PAYMENTS THAT EQUALLED {$7800.00} I COULD NOT REACH THEM ... .. I HAD MY BANK RECALL THOSE 10 PAYMENTS AND THEN THEY CONTACTED ME, AND TALKED IT OUT, AND AT THE SAME TIME THE BANK IS SENDING ME LETTERS STATING THAT THEY CAN NOT ASSIST ME WITH MY DISPUTE AND SO I WENT TO THE BANK AND HAD A MONEY ORDER MADE OUT TO THE SAME PARTY THAT I HAD THE 10 PAYMENTS RETRACTED FROM AND I DELIVERED THE PAYMENT FOR THE TOTAL AMOUNT MYSELF TO THEM AND THEN MY BANK STARTED PUTTING THE 10 TRANSACTIONS BACK INTO THEIR ACCOUNT AGAIN???? AND THEIR REASON WAS, THEY SAID I DID NOT RETURN THE LETTERS THAT THEY SENT TO ME ONLY 1 OR 2 OF THEM MADE IT BACK, SO I CALLED THE DISPUTE LINE AND EXPLAINED WHAT WAS GOING ON, AND I HAD THEM SEND ME THE LETTERS AGAIN, AND I FILLED THEM OUT AND EXPEDITED THEM BACKIN THE MAIL, AND THEN THE BANK STARTED TO BRING THE 10 TRANSACTIONS BACK TO MY ACCOUNT AGAIN, EXCEPT THIS TIME ONLY FOUR OF THOSE TRANSACTIONS WERE COMPLETED AND THE REST THEY ARE MAKING ME THE RESPONSIBLE ONE FOR IT AND THEIR EXCUSE FOR IT, IS THAT THE TIME ALLOWED HAD BEEN EXCEEDED AND I DONT UNDERSTAND HOW THAT TRANSLATES INTO ME BEING RESPONSIBLE FOR THAT? BECAUSE BY THEM INITIALLY BRINGING BACK ONLY FOUR OF THE TEN TRANSACTIONS TRANSLATES INTO THEM REALIZING THAT THEY MADE A MISTAKE AND WERE IN THE PROCESS OF FIXING IT AND THEN STOPPED, IM NOT DOING ANY OF THIS STUFF, ITS ALL THEM PUNCHING THE KEYS AND NOT ME, BUT BECAUSE THE REPORT THAT THEY SENT BACK SOUNDS BETTER THAN WHAT I WROTE DOWN AS MY COMPLAINT I LOST, AND THE ONE GIVING THE REPORT WAS NOT EVEN INVOLVED, SO HOW CAN HE EXPLAIN BACK WHAT HAPPENED, ESPECIALLY WHEN THERE WAS MORE THAN 10 PEOPLE I SPOKE WITH, I DONT KNOW HOW MUCH MORE UNFAIR THIS COULD BE? I AM STILL NOT GOING TO PAY THEM, I KNOW RIGHT FROM WRONG AND THIS IS WRONG ... ... ..
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NV)

I have a credit card with US 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. XXXX and XXXX are reporting me late. I tried contacting XXXX, XXXX and the US Bank with no successful resolution.There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (IL)

I received a letter from ERC that they wanted to settle my debt. I called them with a financial  Counselor on the line with me. The Manager   XXXX  told us if I paid the {$140.00} of the {$290.00} owed that I would receive a letter stating I 'm was settled with a  XXXX  balance. I requested to have this letter of intent ahead of time but  XXXX  said he could not but that the call was being monitored and he could not lie. I said I know companies sa y one t hing and change later. He said no he could not do that he gave me his number and Extention. I was told to have faith in people! I made the payment same day Thur  XXXX . It posted next day. I was told to call Monday  XXXX  for my letter. I called  XXXX  for my letter. I was told my letter woul not say a  XXXX  balance. I told them everything the Man.  XXXX  told me and They told me i was n't making any sense. They refused to listen to the recording. The letter that was sent specially says this debt was not paid in full. Instead of the  XXXX  balance I was told it would.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (PA)

I have applied for forbearance due to debt and a divorce in which was enabling me from paying loan amount on time. I have sent over several applications and no response just emails indicating i need to pay. Also loan amount seems larger then what i recall. Need this to be confirmed.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I have had my loans for now for almost 10 years. yes I have put them in forbearance a few times due to hard times. I have received multiple notices throughout this time to consolidate the loans and it has always benefited me to do so. This time under Navient being my servicer I felt cheated and lied to. I called and asked about benefits in consolidating my loans with Navient and they responded that if I consolidated I would have less payments to make and therefore less interest would accumulate on the accounts ( at the time I had multiple subsidized and multiple unsubsidized loans. After I consolidated I found out I lost an interest rate deduction of .XXXX % from a previous consolidation with the Department of Education ( previous servicer ). After consolidating my interest rate went from XXXX % back up to XXXX % which on {$60000.00} is a big deal -NO WHERE WAS IT WRITTEN THIS WOULD HAPPEN TO ME. Unfortunately for me I decided to go back to school right before the great recession in 2007 so my interest rates are higher than my mortgage and my car loans combined. Why am I paying so much interest for an education! back to Navient. - One time I called in telling them I wanted to pay off my XXXX % loan with a lump sum payment. They were arguing with me on how to apply the payment telling me I needed to use {$2000.00} of my {$10000.00} payment towards some interest on the that did n't even exist and had n't accused yet if I want to pay off that loan in full. I did n't understand it but gave her the {$10000.00} payment and who knows how she applied. All I know is this - I 'VE HAD MY STUDENT LOANS FOR 10 YEARS - I borrowed XXXX and now I owe {$62000.00} - I made a lump sum payment of {$10000.00} - do the math - with the way my loans are accruing interest I will never pay them off, I 'm on the income based plan but with everyone wanting to consolidate me all the time ( XXXX already now ) I keep losing my " time '' under this plan and I keep starting over .... oh right I lost that too when I consolidated and she did n't say anything about that when I called either. My mom does n't understand why I have to report my income every year to the Federal Gov so they can determine my payment. Feels like modern day slavery to me except now it anyone with a student loan that is a slave.. We will never pay off this debt with the way this company is compounding interest upon interest upon interest. something needs to done with the amount of interest I am paying. Why am I paying more interest to the government for my education than I am to private banks for my mortgage or for my car or for anything else I want to borrow money for????? - SOMETHING IS WRONG HERE!! 

XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2016-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NE)

I can document through the payment history of my Consolidated XXXX Student Loans a consistent, persistent and systemic pattern of payment allocation errors. 

These errors represent a documented history of fraud and malfeasance by Navient regarding the proper management of my XXXX Student Loans according to the promissory note and, thereby, the Truth in Lending Act. 

For my first example of these payment allocation errors, please see the attached document, which shows the payment made on XXXX, where almost XXXX ( e.g. {$220.00} ) of a {$340.00} payment was applied towards the XXXX Federal Loan, which has the lower principal balance. 

Additionally, I can provide documentation for more than XXXX instances of similar allocation errors over the 12 year repayment history of my student loans with Navient XXXX
Consumer complaint received 2016-11-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

My loan payments are super high. Over {$1400.00} a month. There is no way a payment can be made at that amount wirh having medical bills as i have and a XXXX in college and being a single parent. My loans are all over the place and going into collections at different times of the month in a year. I finish paying a rehabilitation program for one and i call for a status and the other XXXX go into default and I 'm back in square one.
Consumer complaint received 2017-10-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. Equifax, XXXX and XXXX have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by XXXX XXXX, XXXX XXXX is for {$390.00} with original creditor listed as XXXX . The other one reported by XXXX XXXX, XXXX is for {$4300.00} with original creditor listed as XXXX XXXX I never received any form of documentation from the original creditor or XXXX XXXX, XXXX to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XXXX XXXX to XXXX XXXX, in my maiden name of XXXX XXXX, which I have not gone by in almost 20 years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with XXXX XXXX, XXXX. I have never done business with XXXX XXXX, XXXX.
Consumer complaint received 2016-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

~ I have conducted myself with integrity and met my student loan obligations since completing my program in 2008. I am seeking that my case be considered by the department of education under exceptional circumstances. The Loan discharge form limits of 120 days provide only the most narrow of windows to correct this situation and exclude a great number of former students including myself from corrective actions. 

List of exceptional circumstances : 1. Misrepresentation of accreditation. 
2. The schools discontinuation of academic programs. 
3. Current litigation 's by the state that are affecting operational viability of the school. 
4. Finding by federal agency & recent litigation resulted in prohibition of federal funds for school. 

I feel that the school manipulated the circumstances of my enrollment and conducted themselves in a manner that is not consistent with the integrity expected of institutions that provide higher education. As I have acted in an upstanding manner and met my obligations to date, I would like to consider having the remaining federal loans that I am obligated to repay discharged or forgiven. I think that if the government is taking actions against this school for deceptive practices it should also be open to mitigating the financial burdens of those that were subject to those practices and have met every obligation thus far. 

I have several complaints specifically regarding my enrollment at XXXX XXXX XXXX. 

~ I was told while discussing enrollment with the recruiter that XXXX XXXX was an accredited institution and that I would be able to pursue my masters at XXXX after graduation. - This proved to be false. XXXX XXXX for XXXX XXXX and XXXX determined that XXXX " is not in compliance and is unlikely to become in compliance with [ XXXX ] accreditation criteria. 

~ I was later told that the accreditation process was ongoing and that XXXX XXXX would be fully licensed by the state and accredited in the near future.- This also proved to be false. 

~ The credits I earned and took out Federal and Private loans for are unable to be transferred to federally compliant institutions like XXXX or XXXX. 

~ Until student loans are fully repaid, I am not able to pursue federal funds for education at a compliant institution like XXXX or XXXX. 

~ The location where I attended has been closed and is no longer in operation. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX ~ XXXX XXXX XXXX is currently involved in several litigation 's, some of which are banning new students from enrolling and ultimately will result in the school being closed. Once the school closes I will be obligated with student loans for a degree from a fraudulent institution.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

XXXX, Sallie Mae, XXXX XXXX XXXX XXXX are all reporting the same loan on my credit reports multiple times, with varies dates. When I dispute this information the reply back that the reporting is correct. 
The XXXX is reporting, Sallie Mae us reporting, XXXX / Sallie Mae is reporting on my Equifax and Experian. Now XXXX is reporting on my Experian also. 
This looks like I have had XXXX / XXXX accounts for student loans. It does not help that I defaulted, so the negative information is being counted multiple times. My XXXX loan accounts have been paid off in full. I attended XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Applying funds incorrectly for two years after following Navients procedures for applying extra funds. Instructions were given in writting more than three times as well as verbally. Not responding to questions or customer service requests, multiple times over two years. Was not given income based options for repayment and was instructed that the best option was forbearance if I could not pay the minimum due. No notice of forbearance ending, forcing me to consolidate XXXX loans they purchased at a an interest rate 3X of my locked rate or tripling the monthly payment amount which I could not afford, went from 1.9 % to 6.8 % on purchased XXXX loan to the rate of with XXXX loans. Without notification and unannounced reported incorrect information to credit reporting agencies, then would not report status updates correctly or resend errors that were reported to the credit agency 's. Made multiple written request per their procedures to correct the information given the the credit agencies. Completely non responsive in writting or follow through with their own procedures. The online information is deceptive to borrowers and contacting Navient at the phone numbers would lead in circles with no resolution, if you could be put on hold and wait for up to an hour and a half. Making and applying extra funds could not be found nor given the option to apply extra funds to principle as thier website instructs forcing you to apply additional funds towards interest instead of principle paying down principles after interest is paid. Navients instructions, website, communication, and responsiveness is misleading and methods are consistent with predatory lending similarly as seen in the mortgage lending crisis. I have never experienced such poor service and communication. I was consistantly reminded and threatened financial repercussions if I did not choose their repayment option or follow thier produces that Navient did not abide by themselves. I was continuously threatened with pentalties, fee, and credit reporting reporting if I did not choose their offers ; all of which has cost me more in interest at higher rates after consolidation. They would threaten and did access fees and penalties that were disputed which they will not credit but will apply to the total balance and charged interest. Navient is the absolute worst servicing or financial institution I have ever experienced. Schools attended : XXXX, XXXX University ; XXXX XXXX, University XXXX.
Consumer complaint received 2017-10-08
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. (CO)

This is an issue with both Equifax and a collection agency called XXXX XXXX XXXX XXXX 

I have an open collection item with the collection agency mentioned above, originally assigned XXXX. 

To date, I have not received any notification of this collection account. I last went through the process of pulling my credit reports from the 3 credit bureaus in late XXXX XXXX, which is where I first learned of the collection ( it appeared on all three of my reports ). I submitted disputes to all three credit bureaus disputing the validity of the debt- both XXXX and XXXX  removed the collection from my records, while Equifax marked it  as valid. 

At a loss of how to resolve the issue, I sent an email on XX/XX/XXXXto the only contact email I could find listed for the collection agency ( 'XXXXXXXXXXXX ' ) proposing to proposing to pay the collection just to get it removed from my credit report. I did not imply ownership. I received no response. 

In XXXX I again disputed the validity of the debt through Equifax and again had it marked as valid. 

I am submitting this complaint as I am at a loss as to how to resolve this issue and get this collection removed from my Equifax. Due to swift removal of the collection from my credit report by 2/3 credit reporting bureaus as a result of my initial dispute, the lack of communication about the collection by the collection agency, and the lack of response to my email to the collection agency in which I offered to pay the collection amount in full simply to make it go away, I have serious doubts regarding the legitimacy of the collection agency. 

I feel stuck in a untenable situation where I can neither pay to resolve the collection nor effectively dispute it. I am also confused as to how Equifax has access to data that shows the collection as valid, while the other two credit agencies determined it was invalid.