davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

I monitor my credit report and scores through XXXX. In XXXX of this year Equifax reported a " new '' derogatory mark on my report and dropped my score substantially due to this information. The next month XXXX followed suit. The problem is, that the " new '' information, was actually old information. It was a bankruptcy that had been discharged and reported back in XXXX. But, according to the information supplied to XXXX by XXXX and EQ it was " new '', so I had a subsequent score drop of around XXXX pts on each. I contacted XXXX who agreed to do an investigation, and am waiting on the outcome. However, EQ refused to do anything, even after the CS agent stated it was reported twice. When I was transferred to a supervisor, she denied that statement, and said credit scoring was automatically done, by machine, and there is no record available for her to go back and look to see what was reported, but yet could tell me when it was first reported in XXXX. She also tried to claim it was the other accounts in my report, that have also been there for a while, and not really much change in any of them. She then went on to try and discredit XXXX, and deny that XXXX gets any accurate information from them, and then tried to sell me my credit score. She refused to do any investigation, nor open a dispute claim. Here is a copy of what is displayed on the XXXX site as of XXXX. As you can see they clearly state where the information comes from .... 
XXXX ( R ) XXXX ( R ) Where You Stand You have XXXX derogatory mark. Last update, you had XXXX. 
XXXX XXXX You XXXX XXXX How It 's Calculated Open accounts in collections XXXX + Negative public records XXXX = Total derogatory marks XXXX PUBLIC RECORDS XXXX XXXX XXXX
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

A few issues : I raised my payment above the minimum, based upon my income in order to pay off the loan quicker. Navient, without notifying me or obtaining my consent returned my payment plan back to the minimum after a few months! Only after checking bank statements did I realize what had happened. When I call to try to increase my payment or make a bulk payment, Navient often denies that it 's possible to do so over the phone and often discourages me from raising my payment! This is predatory and if I did n't pay attention to what they do, I could easily be tricked by their company into years and years of additional payments.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.
Consumer complaint received 2017-04-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I was having hardship in paying my loan off and was offered a forbearance option twice not really understanding that it would increase my loan even more. I do n't remember ever being given the option of and income driven based option. I would very much like to see if this would work better for me. I have a direct subsidized/unsubsidized XXXX loan. I graduated with a XXXX degree. I saw on the federal website that the interest rates for undergraduates should be about 3.7 % and unsubsidized graduates should be about 5.31 %. I am not understanding why my interest rate is about 6.9 % for unsubsidized direct XXXX loan. Is this due to the forbearances? Just need clearer understanding of what is going on. I am not a XXXX student and have no desire to get a XXXX degree.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

I attempted to pay off one of my larger loans but the payment was dispersed among all of my loans instead of the specific loan I was attempting to pay off. after multiple calls I was able to speak with a manager to fix the issue. When Navient attempted to fix the issue I was charged interest on my original unpaid full amount while they corrected the issue, even though if they applied the payment correctly, there should have been no interest as the load was paid off. The interest amount during the correction time ( roughly 1 week ) was not a lot but I still found it unfair. Near the time of submitting the payment, Navinet compounded the interest ( or add it to ) the overall amount that I borrowed, essentially charging me interest on top of interest. A few years later while on Income Based Repayment ( IBR ), I was not notified my end date was approaching and it was not until the cost of my loans skyrocketed before I realized I was no longer on Income Based Repayment. I quickly reapplied but it took about 2 months for them to update my account to IBR.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is XXXX!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (UT)

I filed Bankruptcy in XX/XX/XXXX and it was discharged back then, but for some reason Equifax decided to update my bankruptcy in XX/XX/XXXX and now I do n't qualify for financing. By law they are not to damage my credit report after a discharged bankruptcy. My loan officer has given me a letter stating this fact of loan denial. I paid the price for my bankruptcy and now they still continue to hurt me!
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

I have been a victim of debit card fraud in XXXX, TX. Bank tells me that someone used my card with security chip and PIN, which is impossible because I was in a different city with the card in my possession. I did not authorize anyone to use the card or share my information with anyone.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

i keep calling equifax about my personal info ion my report.they remove it and put back on other address to my file. 
1.XXXX XXXX ga XXXX 2.XXXX XXXX ca XXXX 3.XXXX XXXX az XXXX
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A. (MN)

In XXXX of XXXX I realized that my bank account had been garnished by Messerli & Kramer for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to XXXX XXXX XXXX to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. 

Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from XXXX XXXX XXXX that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to XXXX to get payoff information. After weeks of calling in and not reaching anyone at XXXX she finally got a call back. They informed her that Messerli & Kramer are now handling the account and provided the processor with thier contact information. When she called in to to Messerli & Kramer the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with Messerli & Kramer to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. 

They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a retired XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NM)

MY bank branch says I was target of an unsuccessful phishing attempt. Message on my cell phone said " USBANK ALERT! Visit personal link at : XXXX. '' Other number:XXXX XX/XX/2017 XXXX
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Equifax is incorrectly reporting my debt-to-credit ratio as shown in the uploaded document, Equifax shows my mortgage loan as part of the credit utilization at 94 % - original mortgage {$190000.00} with a balance of {$170000.00}, The company is also treating the installment auto loan the same with a utilization at 81 % from the original loan versus the balance. The other agencies are correctly reporting and have always reported the debt usage of my revolving credit, which is 5 %. The combined reporting is an average utilization of 71 %! Recently, Equifax reported " high balances '' versus available credit to creditors causing me to be declined credit with an XXXX credit score. For the dispute, Equifax simply re-confirmed the " high balances '' with the mortgage holder and auto loan lender. Thank you for your assistance,
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 

My name is : XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX My current phone number is : XXXX Also, my current and only address is : XXXX OH XXXX I HAVE RESIDED HERE FOR 7 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS ALLL OTHER ADDRESSS ON MY REPORT ARE NOT MY PLACE OF RESIDENT PLEASE REOVE THE FLOWING : XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (KY)

I placed an order for a hoverboard for my son on XX/XX/XXXX. When I received the confirmation email from XXXX, it did n't look quite right. So I searched them, and found them to not be a reliable company that charges but does n't ship the merchandise. I immediately, called Chase and told them not to authorize the charge and why. Two days later, they let the charge go through. After numerous emails with XXXX, I finally received an email XX/XX/XXXX from XXXX, that they were refunding my account. I waited and still did not receive it. I contacted Chase to file a dispute. They have continued to give me the run around. I sent them all emails, documents and they said they did n't see anything to dispute. 
I was charged {$260.00} for a hoverboard that I did not receive. To me that is problem. Chase has continued to ignore and not investigate my dispute.
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

My brother XXXX XXXX XXXX XXXX in XXXX on XXXX XXXX. Wells Fargo Bank has not been cooperative in allowing me to submit at least initially electronic copies of appropriate documents about the case although other financial entities have. Due to my having difficulty submitting my complaint on your site with documents I am first submitting without documents and then request an E-mail where I can attach the appropriate documents. His wife XXXX XXXX is totally XXXX and can not handle her affairs or even XXXX XXXX. I have documentation of both of these issues including the appointment of a guardian by an XXXX court. My brother 's SSN is XXXX. I have mailed copies of documents to a P.O. BOX I was given by I do n't know if this is going to be enough to resolve this matter.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (TX)

Lag in affording classes due to divorce and XXXX child. I can not work because of my XXXX child, which I have in writing. Will not resolve initial request for Forbearance or Deferral. Was told they needed documents. Sent some. No response. Now they claim the initial request was never received.
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I have documentation that shows that US Bank would not charge a Returned Item Fee nor an Overdraft Fee on my account ( Number XXXX ). When a withdrawal or other debit came in and there were non-sufficient funds, the payment was returned, without charging any fees, unless the resulting overdraft amount was negligible ( This occurred seven times between XX/XX/XXXX and XX/XX/XXXX on the old account as shown by notices received in the mail attached herein ). 
On XX/XX/XXXX, I opened a new account at US Bank ( XXXX XXXX ). On XX/XX/XXXX, an overdraft fee was charged, and a few days later two other payments were returned, one other was returned and more fees were added. The Bank has failed to provide satisfactorily explanation of this change in policy. At the time of opening the new account, I was not given any notice or warning that new rules would apply. The Bank keeps adding extended overdraft fees. 
In my perception, the bank should have not honored any payments that were underfunded nor charged any fees for overdraft nor returned items because US Bank created a reasonable expectation through consistent behavior upon which reliance was reasonable. The Bank should bring the account to XXXX balance at its own expense. Further, the bank should refrain form a threatened charge off or any other report that will harm my credit history.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (SC)

I contacted my private loans and was told my severed father would be off of the loans. They refused to take him off, told me I had no repayment options, and are refusing to put my loans in in-school deferment while I am in school part-time. I have contacted them numerous times and never get anywhere and get told they will call me back. I never get a return call but etters 3 weeks later.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (NJ)

this is my second inquiry. I have been with us bank many years. I want the XXXX credited to my account permanently. I had no hot water in the hotel room and will not pay it. I have called XXXX etc. to get it off and report hotel. I am not accepting that it may be billed back to me. please credit the account. any other bank would have already
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

Navient holds some of my federal and XXXX Personal loan that was originally with XXXX XXXX. As stated in the law suit against them in XXXX, I have had the same issues with them. XXXX XXXX and then Navient did not disclose other alternatives to repayment and just offered me forbearance. Also, my private loan which is now in default, I was never provided any options for repayment from the collection company. My loan was originally {$22000.00} give or take and ballooned to {$93000.00}. They told me I just had to pay in full, and at one time they offered me a pay off of {$25000.00}, which I would have taken given I had the means. They never offered me any payment options and continued to harass me to pay the full amount. My loan shows " charge off '' on my credit and with Naveint over the phone. But because Navient owns the collection company, they still show a balance, which makes no sense to me. I want to be included in the lawsuit against Navient because they have literally ruined my life and my credit.
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

Navient Solutions claims to have paid XXXX for student loans in XX/XX/XXXX-XX/XX/XXXX. My records indicate that XXXX Consolidated loans from XXXX and XXXX which coincides with my records. XXXX has buying the loans from Navient Solutions. I did not receive a XXXX from this company for the tax years they claim
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (GA)

I am making a dispute ag ainst Optimum Outcome , Inc in a r esponse to a listingS on all my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request fo r VALIDATION ma de pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my cr edit reports (  XXXX ,  XXXX , and  XXXX  ). This action constitute fraud under both Federal and State Laws.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PA)

I paid off my CitiMortgage per their records on XX/XX/XXXX. They apparently waited to XX/XX/XXXX to forward to local county to have satisfied. I 'm told Citi used a 3rd party to do this. No one could tell me why it took a month to forward. I next called the County and they told me the docs were returned to the 3rd party on request of Citi. It is now XX/XX/XXXX - my 3rd phone call and I have NO documentation that it was satisfied. I paid all those fees. This is a big deal after so many years and I want my original mortgage and note - marked cancelled - which is a common practice. I worked in Mortgage Servicing for a LARGE bank for 10 years, I know this is something that can be done. They want to send me an email!! I want my original documents that we signed - we want to retire and I want to surprise my husband that it is paid off and have a party. This is not too much to ask after paying 30 years for a mortgage. Now it needs to be sent to another location and they wo n't even listen to me. Why do we pay all these fees for satisfaction and recording and we get nothing.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

I was fraudulently enrolled in debt protection on my  Citibank Best  Buy Credit  XXXX . I cancelled the enrolled service over the phone on  XXXX , but my request for refund was denied. I understand Citi was forced to pay back $  XXXX  in fees as well as assessed $  XXXX  in fines for these exact activities. The  XXXX   XXXX   XXXX  customer service line gave me an address to send my refund appeal :  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas  XXXX . I 'm sick of the run around and want Best Buy and Citi to make this right.