davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
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 complaint is in regards to following accounts on my credit report. 

1. XXXX XXXX 2. XXXX XXXX XXXX I disputed the validity of these accounts and asked for actual physical documentation concerning these accounts or have removed from credit reports since unable to verify. I waited more than 30 days which per FCRA law, that is the time frame needed by a credit reporting agency to conduct a reasonable investigation. After such time, if unverified, disputed accounts must be removed from consumers credit report. Not only did these accounts remain as accurate, but I also received no documented proof such as : Signed contractual agreement HIPPA signed authorization form If this account was truly verified, then please send me the following ; entire process and policies implemented to ensure only accurate information is reported on my credit report. 

Who conducted such investigation and what documentation was received. 

Verification method used to verify these accounts Statement explaining why my request to receive valid proof and all documentation pertain to this account was ignored.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (GA)

i went to XXXX college of XXXX georgia for XXXX with hopes of a better life for me and my family XX/XX/XXXX-XX/XX/XXXX. I finished my course and completed my externship and i was told that they would help me find a job.Career services never helped me with job placement I recieved a letter in the mail XX/XX/XXXX that stated XXXX job placement rates were misleading and that i may be eligible for student loan forgiveness i then filled out the paper work and sent it to the department of education for them to determine. I called to check on my student loan forgiveness application and they told me that it could take up to 12 months to determine at this time i had my loans in deferment so i was not required to make payments but the customer service rep stated that i should put my loans in forbearance. I did as the rep said i should do and a couple days later i got a bill in the mail for {$1000.00} dollars from my lender fed loan servicing. I can not afford to pay that
Consumer complaint received 2017-10-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (UT)

In XXXX, I got a loan with Wells Fargo a XXXX student loan it was XXXX paid out in XXXX XXXX and XXXX split in half. This covered XXXX units. 
The finance charge was {$24000.00} interest XXXX. 
They will or have gotten a total amount of XXXX triple the loan amount. 
I need help please!!!!!! 
I went into the XXXX XXXX XXXX in XXXX got the loan interest down to the XXXX XXXX  during my XXXX XXXX time until XXXX under the XXXX XXXX XXXX XXXX, I got the deferred for school on other occasions. 
Its XXXX I still over XXXX. My parents co-signed. My parents filed bankruptcy in XXXX in XXXX my step father passed away. When I got out of the military I called Wells Fargo begged pleaded to get help. Im now a single mother, working for XXXX XXXX as civilian. I still have this debt on me should. XXXX years later. I have attached all the documents I could find. 
This is insane. I wrote my XXXX in California in XXXX there was nothing they could do. In XXXX XXXX, I went bankrupt of the course the loan was not part of that since a XXXX student loan. Please help me I want my money back. They have made their money and now it looks like they did stuff with my credit I got another note as did my mom dated XXXX XXXX XXXX. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OH)

Mortgage company XXXX charged me for this month. Was told I would have to wait over 30 days to refund my money. Was told due to a system upgrade. This payment came out of my checking account as a direct payment. leaves me with XXXX left for the rest of the month. I have other bills direct debit that will be returned plus XXXX fees on top of it I will get plus late fees.
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (CA)

I have XXXX XXXX student loans being serviced by ACS Education totaling approx. {$55000.00}. ( ACS also services a XXXX XXXX Loan of approx. {$75000.00}. ) The loans have been in repayment since 2004. 

I made repeated requests for ACS ( servicer ) and XXXX ( lender ) to provide an amortized payment schedule for each loan. This documentation is required by the underwriter of my mortgage lender for qualification purposes of an XXXX loan, pursuant to federal regulations in the US Dept. Housing and Urban Development. ( XXXX ) Both ACS and XXXX refused to provide such documentation. Only when pressed and asked directly, ACS offered to orally state the payment schedule of a single private loan, which is on a graduated payment plan. The ACS representative stated the payment amounts, length of term for specific payments, and dates due for each payment, but denied to produce any written confirmation of the information. Both ACS and XXXX indicated this is not a company policy to provide such documentation, and are not required to provide such information. ACS offered to provide the initial Loan Disclosures, which is insufficient documentation for mortgage underwriting, as the disclosures do not provide a full amortization schedule. 

Not only is refusal to provide an amortization payment schedule a deceptive lending practice and inconsistent with federal policies established at HUD, ACS ' lack of transparency does not afford consumers with the opportunity to understand their ongoing and future obligations under the loan ( s ).
Consumer complaint received 2017-02-09
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (GA)

I have a prepaid account with the Netspend prepaid XXXX by the XXXX XXXX, where I have received my school refunds through direct deposit for the past XXXX semesters ( last deposit being XX/XX/2017 ), as well as other deposits. Last week on the XX/XX/2017 I found out that there was a fraudulent transaction on my card and worked to resolve that. my Card was however canceled and so I Have no way of accessing my money in the amount of {$3800.00}. I have also suspected some fraudulent transactions on the same account in the past XXXX months, but efforts to tract this are been frustrated by the customer service representatives through the following phone # XXXX, of which I have spoken to a dozen of them already including today XX/XX/2017, and have spoken with XXXX representatives who pretend to transfer me to a supervisor, and dropped the phone on me. Obviously they are not willing to resolve this issues and I need your office to intervene urgently.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KY)

Navient has repeatedly inaccurately applied payments to my accounts, talks sme into forbearance or applied forbearance instead of income driven payments, taken out extra payments from my bank account without me even allowing auto payments and now they are charging me over XXXX next month and will not lower the payments.
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

My XXXX Federal Student Loans were with Direct Student Loans before Navient took them over in XX/XX/XXXX to " service '' them. a yr and a half later all XXXX of my student loan accounts that Navient were servicing were set to {$0.00} on all 3 of my credit reports. On XX/XX/XXXX i sent Navient Corp. a " Request for Statement of Accounts '' " UCC 9-210 '' for the XXXX original account numbers that they were " servicing '' for Direct Loans and up to this point they 've have n't responded. Certified Postal Service Mail XXXX
Consumer complaint received 2016-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (WI)

I applied for XXXX loan forgiveness two years ago and was denied. I was upset and let it be for awhile. This summer ( two years later ) I looked back into XXXX loan forgiveness and called the loan provider. We figured out that I was denied because of a misspelling of my schools name on the XXXX XXXX. My loan provider told me to reapply with the misspelled name and about a month later I was granted XXXX loan forgiveness! So I, myself, did indeed meet the criteria to have my loans forgiven two years ago. I have been trying to get reimbursed for the two years I was wrongfully paying. The loan provider did a ombudsmen report and says they will not reimburse me.
Consumer complaint received 2023-01-05
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. (NY)

This to me is crazy. So Im submitting it again hopefully for the last time. XXXX and Equifax have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I was having issues with my mortgage inXX/XX/XXXX. I spoke to my representative in fayservicing about a loan modification. I sent in the application and they claim that they never recieved it. I sent it 4 times and no response. My mortagage was becaming more and more behind. I was able to pay some money but they continued to return it. InXX/XX/XXXXI received a new rep. XXXX and he mentioned a Deed in Lieu. I stated to him that it would be good for me. I sent him an application and of course it was never received. I kept getting the run around with this company and their representatives for years. InXX/XX/XXXXI sent XXXX the application for a deed in lieu which I have confirmation that it was sent. He never returned by calls, I called to notify him that I was leaving the home to live with my parents because I wanted the deed of lieu to be processed as soon as possible. I was told I could get XXXX and now I ca n't because the offer expired. I continued to call with no response from noone. I was told that they needed my husband to sign a XXXX form which was not true. I was able to speak to a several rep. and was told that it was still processing. In XXXX I was told that they ordered my title. In XXXX I spoke to a very rude rep. name XXXX and he informed me that the application has expired and I had to do the process all over again. He stated that what happen in the past is the past and told me what do I want to do. He sent me the application again to my parents I filled it out and then in the same week I was given another rep. named XXXX. I spoke to him and he sent me another form. They went to my house in XXXX and lied and stated that I was still there and had not vacated the property. They told me that the electric gas and water was still on, but I had proof that it was all shut off XX/XX/XXXX XXXX received the application and I was told the deed in lieu would take 30 days. That was in XXXX. During that time they had someone delivery to me Forclosure papers. Those papers were sent to XXXX in XXXX. It is now XXXX and they sent me a form for short sale. I called onXX/XX/XXXX and stated I do n't what to do a short sale but a deed in Lieu and receive 3 to 4 thousand for turning over my keys. Fayservicing just paper  push and does nothing to help. I believe that they want to forclose on my home and not help. I have yet to talk to XXXX and I have sent emails. When I started this process late fees and everything was suppose to stop and it has not. Yet they continue to tell me that they never received this and that and when I provide proof that they received the paper work they come up with something else. This company has a class action suit against them back in XXXX. I hope that I will be able to contact someone to sue them also.
Consumer complaint received 2023-02-02
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)

In 2017 I was a victim of identity theft. I have already sent letters from the FTC, I have called them and I have explained that accounts were not opened with my authorization. Unfortunately, in my physical condition, I can not report to a police station because I have XXXX  of XXXX and I am in bed without being able to walk. For this reason, under the FCRA laws that protect me as a consumer i request XXXX and Equifax to remove all fraudulent account from my credit report attached below thanks, XXXX XXXX
Consumer complaint received 2022-08-24
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)

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (DC)

NOTE- this is separate from my other complaint with the CFPB re: FedLoan, that is currently in progress. 
On XX/XX/XXXX I logged into my FedLoan account to schedule my XX/XX/XXXX payment (due XX/XX/XXXX). My account stated that my account was overdue. Confused (I pay my monthly, income-driven repayment amount of $XXXX each month), I read further. A random amount of $XXXX was applied to my account. This makes no sense- I am in the Public Service Loan Forgiveness Program (PSLF), meaning I pay each month through the income-driven repayment plan, which is determined annually when I submit paperwork. Last year, based on income and family size, my payment was determined to be $XXXX/month, XXXX - XXXX. I have no clue where $XXXX came from, and it was never reflected on my monthly billing statement. I called on XX/XX/XXXX and spoke to XXXX (employee # XXXX). She shared my confusion; she put me on a long hold and tried to determine where this charge came from, but couldn't determine it. She stated it was 'odd' and she hadn't seen a charge be randomly applied. She firmly stated that I pay the correct amount (for XX/XX/XXXX, it is $XXXX, and in XX/XX/XXXX my new income-drive repayment plan based on my recertification paperwork will be $XXXX, effective XX/XX/XXXX - XX/XX/XXXX). She advised me to pay 'what I actually owe based on my income-driven repayment plan' and she would put a note in the system. She also said she would send it to investigations. As of today (XX/XX/XXXX), my account is 18 days past due. I received a notice of my delinquency. I called FedLoan again and they said it was still in investigation, and that bad credit reporting won't occur until 90 days. They again reinforced that I should pay what I 'actually' owe and that the mysterious $XXXX should be resolved in 90 days. I am concerned it won't be- I have very good credit, and have worked hard for that score. I am mindful of all bills and have never paid a bill late, FedLoan and others. I do not want my score to be harmed by this issue with FedLoan. The employees cannot explain how this random charge dropped on my account, but they assured me it will be removed. I, however, have experienced multiple issues with FedLoan, particularly in the past year. I am very concerned. XXXX, the employee I spoke to on XX/XX/XXXX noted that my account appeared 'perfect,' meaning I always submit required paperwork on-time and pay my monthly bill. I am very concerned this account will harm me, despite doing everything right. I fear as I approach the end of 90 days, I will be forced to pay an amount I don't owe, or face a ding in my credit score. This isn't right.
Consumer complaint received 2016-12-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica (MI)

I had a fledgling company take money off my Direct Express Card that was not authorized. Direct Express told me I would receive a provisional credit on the 10th business day I am having a hard time getting that credit was an emergency I have no heat in my home. I was told the day I file the credit I would be eligible and I would receive a provisional Credit Now the story is being changed and being told that it is not guaranteed I get hung up on I get very rude service I have contacted the XXXX the FTC the cfpb the Secret Service Agency for fraud the Social Security Administration direct express and Comerica. Please push it along so that Direct Express has to refund this money that is supposed to be fdic-insured thank you
Consumer complaint received 2017-08-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OR)

The XXXX Navient private student loans held in my name with a co-signer was up for yearly repayment plan review in XXXX of XXXX. The repayment plan generally lowers the interest rate of the loans from 13.9 % ( or thereabouts XXXX to between XXXX % based on income. Since initial enrollment in the repayment plan in XXXX, I had not missed a single payment. In XXXX of XXXX, I was informed by a Navient agent via telephone that my household bills were substantially higher than my income and Navient would not grant me a rate reduction plan, as they had during the XXXX years proceeding the conversation. Based on the commentary Navient 's agent provided, they would also not grant a rate reduction due to the co-signer on the accounts making enough to pay the loans. As of XXXX XXXX, Navient refused to provide a lower, affordable interest rate or enter into a negotiation of a reasonable payment plan. The original loans were each in the amount of $ XXXX for a combined total of $ XXXX. While in school, I was forced into deferment until after graduation due to the high costs of housing vs. low wages and had to maintain specific requirements of occupation to further my education. In the time it took me to finish my XXXX degree, parent, and work strictly to survive, the loan balances doubled. In XXXX, I had requested Navient to retro activate the interest on the accounts to the original loan amount ( that being 3.5 % on $ XXXX XXXX. They refused. The loan balances are now paid down to approximately $ XXXX as of today, XXXX XXXX, XXXX.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I am so sick of complaint about Equifax 1st problem. I had an old address deleted sometime ago as I have not lived there in 8 years. XXXX XXXX XXXX is not my address and needs to be deleted as it has been at least 5 times and the continue adding it back. None of my creditors add this address. AND NO I DO NOT WANT A UNASKED FOR FRAUD ALERT. I WANT THE ADDRESS DELETED AS I AM AFRAID OF IDENTITY THEFT FROM A FAMILY MEMBER 2nd problem. I am unable to Pull a FiCO Score from XXXX and they are telling me it is a problem with Equifax not reporting correctly. 

3rd problem. They are refusing to add a XXXX XXXX credit card that XXXX and XXXX both report that I am an authorized user on My HUSBANDS CARD. I want this ADDED to My file ASAP. 

Thank you!
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (CA)

OnXX/XX/XXXX Elan Financial reported to the 3 Credit bureaus that I had a late Payment on my Comerica Bank Credit card.The payment was for $ XXXX.I was not late and have NEVER been late.Elan Financial did not warn me that I was late.I made the payment on the Elan financial online portal.The system had a glitch and my payment was NOT processed.When I contacted ELAN they admitted there was a problem and they reversed the {$35.00} late fee but they WOULD NOT reverse the 30 day late on my credit reports.Over the last year I have spent several thousand dollars with an attorney getting the VERY damaging 30 day late removed from my credit reports.I finally in XX/XX/XXXX was able to get the false info taken of all 3 reporting agencies.At the end of XX/XX/XXXX Elan Financial put the damaging 30 day late back on my reports.In addition I received a letter from them stating " Since I disputed there practices ... they will no longer report my credit card as a active account on the 3 reporting agencies ... ..So they EFFECTIVELY ruined my credit 2 times and even though I have a XXXX balance and a current positive account ... they wont report it as positive to any agencies.These people are savage, ruthless unethical criminals.I have done NOTHING wrong.Now the process starts over.Another year and several thousand dollars to get it removed AGAIN .... {$32.00} late payment I DID NOT MISS has cost me 50 points on my report and several thousand dollars.I am going to find a way to sue this bank in to the ground.