davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Dear CFPB : This matter is very time sensitive. Equifax erroneously reported to XXXX party XXXX that my wife and I had a 90-day late on our home loans in XX/XX/XXXX. That is impossible. We completed a successful short sale with XXXX on XX/XX/XXXX. XXXX was contacted. They completed an investigation and confirmed that they reported correctly to Equifax. Equifax made the error. As a result, our FICO score has been affected and moreover, we are unable to buy the home that we want to purchase and raise our son in. 

Countless hours have been invested trying to ascertain who reported an erroneous late in XX/XX/XXXX. Equifax is the culprit. 

Attached is a recent letter from XXXX confirming that we were never late in XX/XX/XXXX and all debt was settled in XX/XX/XXXX.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX Please investigate and provide Proof with statements showing that this payment was late.
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (FL)

I currently am enrolled in Suntrust Billpay. I recently had an issue where I scheduled a Billpay for my HOA, and the payment was sent to the XXXX XXXX. There is no record of the transaction at all on their website, and I am certain that I scheduled the Billpay for my HOA. I spoke to a representative on XXXX XXXX, 2015 and was told there was nothing that they could do, and the representative hung up on me.
Consumer complaint received 2016-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (FL)

I have received conflicting information from countless representatives as to how payments I have made are applied to the XXXX program I am enrolled in. My problem stems from the fact that I pay a higher monthly payment than is due under an XXXX. I receive funds from my job to repay my student loans and that money must be used up within the year it is received which requires I pay more than the monthly XXXX payment. No one has properly explained to me how my payments apply towards my loan forgiveness when my account is in a " Paid Ahead '' status. I am concerned that I am not receiving proper credit towards my XXXX payment quota. I have made countless requests to be removed from " Paid Ahead '' status to avoid any further confusion. My most recent statement shows I am still paid ahead. I have also made numerous requests for an itemized record of all my payments made since FedLoan Servicing has serviced my loan that have been applied XXXX. To date, I have not received that information. Finally, after I complained about the application of my payments to XXXX XXXX XXXX XXXX, I received a letter dated XXXX/XXXX/XXXX taking away some of the payments I had received credit for in an XXXX/XXXX/XXXX letter without any explanation as why and how this happened.
Consumer complaint received 2016-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

Well I graduated from XXXX XXXX XXXX XXXX XXXX XXXX, MD back in XXXX XXXX. But after I graduated from XXXX XXXX, I was told by a Collection Agency as well as the XXXX that I owed the school {$5300.00}. The XXXX XXXX XXXX financial aid department stated when I arrived to my last semester before graduating that they had all students sign this form stating that from the year XX/XX/XXXX -XX/XX/XXXX, that the students did not have the initial funds to continue their XXXX XXXX degree. Therefore, multiple temp credits were released to cover the expense. But my question to the financial aid department and to XXXX XXXX was if we as students did not have enough money to proceed with the XXXX program why were n't we informed before proceeding with this 2 year degree? Some one in the finance department had to have known right? This did not even include the actual government loan that was generated. I owe the government XXXX in back money for going to the XXXX XXXX XXXX for graduating with an XXXX Degree. Also, The school did not help me with job placement in my field of study nor am I working in my field of study. I tried many of times to contact someone in reference to my issues with XXXX XXXX. But Unfortunately, I was unsuccessful in my efforts of beating this issue. I tried seeing if my credits were transferrable, but they were not due to the college that it was illustrated by all students across XXXX. ( Note : The XXXX XXXX XXXX stated that the temp credits were to assist in fronting money for all students who could not afford their education, they tacked this so-called credit on to students and now the institution claims they did not do this action any longer. Well if they did do this from the very beginning of my college courses, then what was the purpose of the governments FASFA program that all students applied for and where did the FA money go?
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (SC)

For months now I have been asking to please undue the fraud alert off my credit for good. I ca n't buy a car or anything else because Equifax has had a lock or alert on my credit. I call and they say there is n't one or some other run around BUT when they mail me my credit report it PLAINLY says extended fraud alert on it.. why is this so hard to remove and be done away with???
Consumer complaint received 2015-10-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

My XXXX debt is {$170000.00} and I am making monthly payments of {$1500.00} a month. I can not afford to live on my own ( living with parents at the age of XXXX ), I do n't know that this will ever be possible. {$60000.00} of that money at a 12 % interest, making it almost impossible to try decrease the principal. I make $ XXXX /year. I graduated from Univ. XXXX XX/XX/XXXX. I have tried to refinance my loans at lower interest rates but I keep on being told that I have too much debt to refinance - I have made all of my payments on time - I did go into forbearance for 9 months XX/XX/XXXX. Any help on what steps I should take next would be greatly appreciated.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

Macy 's fraud department notified me on XXXX XXXX regarding potential fraud on the american express portion of my Macy 's card. This was removed from my account in a timely manner. On the Macy 's portion of the card, they did not review for fraud but I found the fraudulent charges on the same day. Since my initial paper work for this fraud, I have had to call monthly to get this cleared from my account. As of today, it has not been removed.
Consumer complaint received 2018-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (KY)

I realize i owe this debt. I am on social security XXXX. I am trying to pay these cards asap. Not usually on time. I recently got in a car accident that put me behind. Anyway synchrony bank  calls on average 8 times a day hang up and call right back, leave several computer voiced messages on voicemail usually 5 to 7 a day. They call from about XXXX till sometimes after XXXX. At the same time texting me and sending emails. I get paid once a month if they call i answer some times but when i do answer i get told i have to make a post dated payment to them. I dont answer a lot of times due to tge fact i cant understand them when they talk cause they are from other countries. They are just really stressing me to no end and cant take i cant at the moment for an answer. For example, Today they called the first time at XXXX XXXX then hang up and called again at XXXX XXXX. Its just a daily annoyance and I dont know if or what i can do to stop calling me so much. Please help me.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I was working a full time job and decided to start taking classes with money out of my own pockets. I called Navient to see if I could be placed on in school deferment, and was told I could. There was always an issue and I would get calls every once and awhile, but after I explained they would look into my account and would say I should n't have been called and its taken care of. A week before I finished my classes my department at work was outsourced and we were laid off after 6 years. I then called Navient to see were I could go from there and was informed that my particular loan could n't be put on complete deferment and I was suppose to make interest payments. The $ XXXX interest payment seems unduly harsh but I may have been able to struggle it although even while fully employed I still lived check to check scraping bills by, but to be told that I owe 4-5 months in back pay is impossible. This seems unexceptable due to the amount of conversations we had, and their lack of record keeping or knowledge of their systems, for them to not know about the loan they are instructing me on seems ridiculous. I attempted to file a complaint and they said they could do nothing and it was on me, and not their employees who were instructing me. I tried to keep filing more complaints, and was told a manager would call me to address my concerns, none did. I got the calls from the employees who knew nothing of my account just telling me I was past due by 4-5 months. They informed me they would not release to me the recorded calls of our conversation unless I legally got a supoena. This has tanked my credit and has effected me financially, as well as XXXX. When I was employed it was almost impossible to make all my loan payments because and they could n't do anything to lower it, now that my income is unemployment I ca n't pay them anything.
Consumer complaint received 2017-01-19
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)

Like the other complainants in the current suit against Navient and its subbsidiaries, I was not informed about the available options for payment, and this negatively affected my loan status. In my case, it resulted in the loss of 58 payments on my loan balance towards the 120 I need for public service loan forgiveness, adding more than 4.5 years until when my student loan debt will be forgiven as part of the Public Service Loan Forgiveness program for XXXX and costing me XXXX of dollars. 

In XXXX XXXX, I found out about the Public Service Loan Forgiveness program from friends who are XXXX. I called Navient ( then my servicer ) to inquire about my eligibility. I told them that I had been a XXXX since XXXX XXXX. They told me I was ineligible, that the program did not apply to XXXX ( This was, of course, untrue. The program has always applied to XXXX. ) I continued to pay the regular amount of my loan as assigned. 

Beginning in XXXX XXXX, I entered into several periods of forbearance with my loans due to my husband 's unemployment. When I called to arrange for these, I was not offered the option of income-based repayment. 

In XXXX XXXX, I inquired with XXXX, my current servicer, so I could find a list of the payments I had made and the reasons why only nine of my payments made since XXXX counted toward my loans XXXX, and seven of my payments made since then count for loans XXXX. 



Furthermore, just like the other members in the class action suit being brought by the attorneys general, I was never offered an income-based repayment plan in my periods of forbearance. If I had been offered an income-based repayment plan that would have offered LOWER payments than I was then making, I would have been able to continue making those lower payments. Of course, if I had n't been lied to about my eligibility for Public Service Loan Forgiveness, I would have made different decisions throughout the process.
Consumer complaint received 2018-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX Citibank closed my account, which as a result caused severe damage. I had credit card payments returned and XXXX XXXX closed my credit card due to it. 


However I was promised my funds will be released 30 days after the date it was closed which, and it's now almost 60 days. 

I called in, first rep told me it's not closed, 2nd rep told me it's only pending closure, 3rd rep told me, I need to speak to fraud department, 4th rep told me the check was already mailed to me. and on and on and on and on!!! 

Every rep just made up a story out of nowhere, meantime I received a new statement in the mail as I will attach and you'll see the statements is from the date after my account was closed and they charged me a $ XXXX monthly fee. 

I consider that to be fraud!!! and even worse there's no one to talk to!! 



My account number with Citibank is XXXX
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I enrolled on the income based repayment plan through navient. I was having financial trouble and they directed me toward a forbearance which was collected interest that I was not made aware of. My payments were also misallocated across multiple loans. I am also a wartime veteran and the reporting of my loans to credit companies negatively affected me buying a new home with my XXXX. A right that I earned serving this country and is granted to me under federal law.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I attended XXXX ( XXXX in XX/XX/XXXX-XX/XX/XXXX ). I was asked to leave the school because I challenged the lies they told us about credits transferring, job pay rates after graduation and their methods of teaching and testing. I contacted Navient to being able to stop having to pay for this loan. I submitted paperwork they sent me and I was denied. I was clearly harmed by XXXX and lied to. I was again forced to leave the XXXX, Ohio location by an XXXX, XXXX XXXX. Not only was I denied relief from this loan, but was forced into forbearance.
Consumer complaint received 2016-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

For the past year, Navient, who purchased my XXXX XXXX XXXX from XXXX XXXX, has been applying my entire loan payment, or very high percentages of my payments to interest only. For the past year, I have either paid my loan early, or on time. Most recently, there was an over payment on the account. Navient told me I owed {$120.00} for the month. I instead paid {$290.00} and Navient applied {$43.00} to my principal and {$240.00} to interest. There have been no late payments on the account, so there is no reason why they are taking this much toward the interest payment. I have called several times, and each time, I get a different story. Please help me. I do n't know where else to turn.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I have been making my monthly payments and the beginning of this year the payment has almost doubled. I have other loans and tried explaining that to Navient. I am a single mother of a XXXX year old so well im at work I pay for him to be at daycare not including bills which I explained to the Representive at Navient. The man took all my info and said yes your in the negative with your income and bills if I have to pay what they were asking. He said there was nothing he could do but would transfer me that it was out of his hands. I was transferred and the person did the same thing she took my info and this time asked to speak to my co signer. Well my co signer is now unemployed and my income has not changed yet there was nothing they could do for me. I do n't want to default I just want something reasonable. I understand I have to pay back. When I got these loans I was told that they would work with me. I did n't even get a job with what I went to school for I am just asking for them to be lowered. Navient does not work with you or try and understand. I am a person who is willing to make payments and not default yet they can not accommodate or be reasonable.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and XXXX is to take the money out as scheduled on the XXXX and XXXX of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. XXXX takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.
Consumer complaint received 2016-11-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

My initial student loan was financed by Navient in 1995. Since then I was approved for student loan forgiveness and the loan through Navient was paid in full and transferred to XXXX. Navient sent me a document thanking me for my business and documented that that loan is paid in full with a XXXX balance and paid as agreed, I have that document. At current Navient is reporting a late payment from back in 1995? That makes that unethical reporting 21 years ago? Please help me as I am actively attempting to rebuild my credit.
Consumer complaint received 2016-08-26
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)

I have been trying to dispute the total loan amount that I am being charged for several years. Some of the loans that are lumped in under my consolidation were made during years I was not even in school as well as years that I had already graduated from college. I received an itemized statement from my last servicer, however, then I was switched to a new servicer and they refuse to assist saying that they only can use what they were given by the previous servicer. I have asked for proof of my promissory notes for these loans and none have been provided. I have been experiencing this issue for over ten years.
Consumer complaint received 2018-06-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

saw I C SYSTEM INC on my credit report called I C SYSTEM INC and asked them to provide documents what is charge is all about, asked them to provide me with letter of disputed and include additional supported documents based on {$700.00} collection they put on me. Costumer rep was rude, did not want to provide anything. I assume they do not have anything to support the claim
Consumer complaint received 2016-10-31
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (TX)

I co-signed a loan with my grandson for a college loan through XXXX XXXX. The original amount was XXXX. No payment was made on the loan until XXXX XXXX. XXXX when a cashier 's check for XXXX was sent to XXXX XXXX as payment in full. It was signed for in their mailroom and was deposited on XXXX XXXX. The deposit stamp on the back said " deposit to XXXX XXXX XXXX, XXXX XXXX, Account # XXXX. A copy of that check was sent to XXXX XXXX by XXXX on XXXX XXXX, XXXX and signed for by XXXX XXXX at XXXX XXXX Mail room. When I talked to XXXX XXXX about this their answer was " that 's not our account number ''. It 's stamped XXXX XXXX XXXX so??????????????????