davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

Today XXXX/XXXX/XXXX Equifax changed XXXX XXXX from status in bankruptcy to open collection unpaid with amount due. I called XXXX XXXX twice today. I called Equifax once today. XXXX XXXX assures me in their system it says in bankruptcy and says Equifax did this. Equifax says they did not. Someone did and it is not me. The balance should be XXXX like all my other creditors that were on my credit whom are now gone. XXXX is the only one whom does n't have to follow the laws? How can you drop a score for an item that was already on there because either Equifax or XXXX wants to play games with me? Equifax tried to tell me on the phone this was not part of bankruptcy. Yes it is. Attached you will find the mailing of the bankruptcy court showing XXXX on the list. Look at this case. Even though mine is Chapter XXXX the Stay still applies! 
XXXX XXXX Vs XXXX XXXX XXXX XXXX District NC ( my district ). 
" Finding that reporting delinquencies during the pendency of bankruptcy is not misleading so long as the creditor reports that the account was discharged through bankruptcy and the outstanding balance is XXXX '' XXXX v. XXXX XXXX. XXXX, XXXX, Case No. XXXX XXXX XXXX XXXX. XX/XX/XXXX ) the status quo between the parties was frozen by operation of the automatic stay. Id. ( citing XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). 
All other creditors followed the law. The status should be in bankruptcy as it was and amount XXXX. This change from out of bankruptcy to collection dropped my score XXXX points and it needs to be corrected. 
Please find attached the bankruptcy mailing showing XXXX XXXX has notice of this bankruptcy. I am really tired of Equifax playing with my credit score when it is clear it is not my fault.Thank you, XXXX XXXX
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

I disputed an account opened XXXX for a secured loan on a vehicle that I did not own. The results stated it was my account. I asked how was that verified. I was told Equifax compared my name, date of birth and social security number. I still explained that I needed more verification, such as provider of the loan requesting copies of dmv title reports to show when the vehicle was last registered in my name. I was informed that was all they do to verify info. This has not been helpful. the Equifax manager also argued with me regarding me telling him that I did not receive any updates with the first case listed. he also told me I was emailed a copy, and I informed him that I was not. the rep. called my name out to me wrong, so I explained that if they emailed anyone with that last name, then it was not me. I do n't feel I was adequately helped and have to live with what is on my credit without anyone to assist me in having it removed. the company will not send for ownership records for the vehicle for the date that the loan was taken out. the vehicle was traded and the first loan was paid off. The company had a second lien on the vehicle which the dealership was aware of. The vehicle was traded by me prior to XXXX.
Consumer complaint received 2016-05-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (MD)

I recently received a letter from Volkswagen stating that my XXXX VW Passat has been recalled because of the XXXX airbag danger. I contacted them to set up an appointment to fix the dangerous airbag and they do not have the necessary parts. Apparently it might take from 3 months to up to a year or more to fix my car. In the interim, I can not drive it due to the possibility of scrapnel entering my brain, or injuring my children if the airbag deploys. 

I have 11 months left on my lease and VW will not release me from it. So I am left paying for a car that I can not drive. I tried to trade it in for a safe car, but the dealership wanted me to pay even more than what I owe. So I ca n't drive it, I ca n't trade it in and if I give it back, I still have to pay for something i ca n't use. 

XXXX and XXXX are at least being classy and giving people loaner cars. VW wo n't supply drivers with loaner cars. VW corporate claims that even though their airbags have been recalled, their cars are safe to drive. I asked them to send me that in writing and they refused. 

Can your agency help people in my position. I am one of many in this situation.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: N.A.R., Inc. (UT)

I still to this day do n't know what this debt was for but a place called  N.A.R Inc ( I  only know this from seeing it on my credit report ) obtained a judgement against me ( only know thos because of my credit report ) for  XXXX  for what I do n't know??,  XXXX   XXXX ??  Dont  know what position he stands in this. A lawyer, A constable or some guy off  the street  collect on a debt?? On  XXXX   XXXX  he came with  2  others to my house and help up a paper like he had a warrant. He was even wearing some sort of gold star shaped metal on a long chain like a old sheriffs badge. They pushed their way through the door started grabbing my Tv 's,  Computer, VCR  anything worth value and putting prices on them. Writing them down as well. They wrote threatening letters to my father stating there was going to be a constable 's sale at my house on   XXXX   XXXX     to sell all my personal belongings and so My father paid them {$1500.00} on   XXXX   XXXX   triple the amount of what the debt of  XXXX  is on my credit report. My father and Friend recently passed away and I have been helping my mother with finacial records, taxes ect..when Icame across the letter they had sent him I had not seen until now. It pains me to know he paid this because I had told him of them doing a raid for valuables in my house and he was only trying to protect me. Whoever N.A.R is or  XXXX   XXXX  these people never verified the debt, never served me papers and used threats to get my dad to pay 3 times what the judgement was for and to top it off Its still on my credit as a judgement against me paid leaves out the fact he overpaid. Will you please help me find out what this debt was for and can they do that act like police take my stuff then advertise there is going to be a constables sale on paper to the public. I tried to call the number and went by the address on this letter but they do n't exist at least not anymore. I just feel bad my dad paid all that and knowing now that they have to verify the debt and serve. Its eating away at my heart Thank you for your time
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP (GA)

Last year I accepted XXXX balance transfers from my XXXX credit card administered by US Bank. The promotional 0 % rate was to end with the XXXX 2015 statement which closed on XXXX XXXX, 2015 - at which point the interest rate would increase to 17.99 %. On the XX/XX/XXXX statement the remaining balances were listed as {$410.00}, {$1400.00}, and {$1300.00}. 

On XXXX XXXX and XXXX XXXX I paid {$1600.00} and {$1000.00} respectively to US Bank in order to decrease the amount that would be charged the high rate, believing that after the minimum payment was met the additional amount would be credited to the highest rate balances. 

On the XXXX 2015 statement I found that the {$2600.00} had been credited to other balances with 0 % rates. There were interest charges totaling {$51.00} on the XXXX balances in question whose interest rate had increased from 0 % to 17.99 %. Nothing had gone towards paying off these balances. 

On XXXX XXXX I called US bank. Both the initial customer service representative and her supervisor told me that the {$2600.00} had been paid too soon as the 17.99 % interest rate would not kick in until the XX/XX/XXXX statement and that there was nothing they could do to help me. I do not see how this can be correct as there was already a {$51.00} interest charge on these balances. I asked to speak to a Manager and was told that one would contact me, but no one has called. 

Could you please help me resolve this issue. 

Thank you.
Consumer complaint received 2016-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I am not able to choose the payment date for automatic payments on my student loans, leading to extra XXXX in loan interest during the year. The automatic payments default to the payment due date, and does not allow me to change the date. I am able to make payments before then and loans therefore incur a full month of interest that can be avoided. If I were not signed up for automatic payments, I would make payments early enough where I would incur a fraction of the accrued interest.
Consumer complaint received 2015-08-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

My student loan was through XXXX. At some point servicing was transferred to American Education Services XXXX AES ). I have never received a statement or bill for payment from AES. Approx 4 weeks ago, my wife as co-signer received a letter from AES indicating payment on the loan was past due. On that letter my name was listed but the address for me was in XXXX. I live in XXXX. I have never been to XXXX nor do I have any association with anyone in XXXX. AES was contacted. I was told that the information they had received from XXXX was incorrect and they had been sending my statements to the XXXX address. I was told everything would be fixed. Within approximately one week, I received a letter from AES indicating my loan was in deferment. On XXXX/XXXX/15, I received a letter from a collection agency " XXXX XXXX '' indicating that I had failed to make payments and the loan was at risk of charge off. I contacted XXXX and was told that my loan was 99 days overdue with charges accruing. I have never received a statement from AES indicating payment was due. In my phone conversation with AES approx 3-4 weeks ago, I was never informed there was a problem with payment. The letter sent to my wife indicating the payment was overdue was based on a loan associated with the individual in XXXX with a different social security number and address. Since the loan is showing past due it has affected my credit score as AES reported 30, 60, and 90 day lates.
Consumer complaint received 2016-06-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I have sent two requests to Navient to remove my cosigner. They tell me that I have to show proof of graduation from college. I have repeatedly told them I am not returning to school, nor am I finishing my degree. They then tell me I have to have proof of my citizenship. I told them they can check my citizenship with my social security number. They say that my forms are n't signed or filled out properly, but they did not specify which copy. I have sent two requests almost three months apart. They also did not answer my first request which was sent via regular mail. They did not answer my second request until I emailed the advocate center and demanded an answer. I simply would like my cosigner removed. He is XXXX years old and I have paid twelve months of payments on time.
Consumer complaint received 2017-02-22
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)

The Navient website will to allow me to make an extra payment to principal. I only have my loans at XXXX % interest. When I make a XXXX payment, XXXX goes to principal and XXXX to interest. I do n't understand this. My total loans are around XXXX.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I have been making electronic check payments to Navient. It takes about 5 days before they are posted. They do n't give a confirmation number when you submit them. In addition, there does n't seem to be any customer service contact number.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

I currently have around XXXX in debt. I have both federal and non federal student loans. I have tried multiple times to contact Navient because the payment options were just to high for me. I am currently making payments however those payments are only interest and that 's {$750.00} a month no including payments i cant afford that are under forbearance which will soon be ending. I will never be able to pay the actual loan itself with the interest rates the way they are. Navient claims to offer tons of ways for them to help you lower your payments or to try and find something that works for you but as I/ve noticed they really do n't care and are totally fine with the idea that i will continue to pay {$750.00} a month and not see a dent ever in the actual amount I owe. I have had deferments and forbearance 's in the past which I am no longer even allowed or offered with the private loans but when it was offered the representatives at Navient were always quick to offer one of those options instead of just finding out what I could afford to pay. Its all or nothing with them which makes it very difficult for someone who 's middle class. The school I attended for college is now shut down and from my experience with others that attended this school all of whom are drowning in debt from going to school there. The financial aid department there was a joke and was never clear about anything. I believe tons of students there got into way more then they agreed upon and will not be paying for the rest of their life. I think that there should be more help for people like myself that are TRYING to make payments and want to get it resolved versus doing nothing. The school name was The XXXX located in XXXX.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Stellar Recovery, Inc. (OH)

I was a XXXX XXXX customer for over XXXX years and canceled my service in XXXX. I returned all the time XXXX XXXX in XXXX. We paid the last monthly bill and at the time of the return was told I had retuned everything. There was nothing to pay the day I returned the equipment. 

Today I received a call from Stellar Recovery , Inc. XXXX, MT XXXX which I was later told is a Division of XXXX XXXX XXXX, and requested to pay a {$22.00} Bill Plus a {$9.00} Transaction Fee. 

I paid the bill and fee because they threatened to report this bill to the credit bureau. They also said they could send me a bill in XXXX days but then I would be past 60 days ( for a bill that has n't been sent ) and I would have already been reported to the credit bureaus. Having never missed a payment in my entire life and having done business with XXXX XXXX since XXXX of 1982, I was greatly upset. 

I never received a final bill in the mail and the person from the recover company could not or would not provide me an explanation of what this bill was for. So I 've paid a bill I 've never received and ca n't verify what I was billed for. 

The recover company left a message on my phone with an automated message not referencing that this was in regard to the final XXXX XXXX XXXX. XXXX XXXX has not returned my call this morning to explain to me what I was billed for.
Consumer complaint received 2015-10-29
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (TX)

I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XX/XX/XXXX. I am now medically retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only ONE credit reorting agency. I was also informed that the loan has since been sold to XXXX ( whom this complaint is being filed against ) but is being serviced by Allied Interstate. I contacted Allied Interstate to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed item has been updated. 

XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/20
Consumer complaint received 2016-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

Despite numerous written requests for a detailed calculations, Navient refuses to provide me with documentation explaining why my IBR payments have increased 400 % despite no commensurate increase in annual income. I have submitted multiple IBR requests complete with payroll documentation to Navient, only to receive no change in decision or written statement from them explaining their actions. Their customer phone tree generally takes XXXX45 minutes to reach a live person, and then usually results in several transfers and a recommendation to resubmit an IBR application. Conversely, Navient sends emailed, written, and telephonic updates almost daily to advise when a payment is due to them. It is clear from this pattern of communication that Navient wishes to reap the profits from servicing students loans, while placing minimal attention towards their fiduciary responsibilities to loan holders and US government alike.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

i have been trying to pay my loan back for months with navient. i cant even make an account online. When i try to, it tells me to call them because there is something wrong. so i have been. Heres what i have found out ... i cant make and account because there is another account separate from mine and from me with MY social security number but a different Birthday. so i can even create an account to pay my bills or check my status or even have an account. This has been going on for MONTHS and i dont think they are even trying to fix it. they are charging me interest, they are harassing me by phone and mail, telling me i need to pay them, threating to report to the credit companys. Please help me! someone has used my SS # and opened another account with navient, i cant pay my bills on my own account, and its gaining intreast, and they are doing anyhting about it? PLEASE HELP ME ... PLEASE ... ..
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with Experian. Experian supposedly investigated it and came back and said that proper validation was provided to them. I have requested a description of how the investigation was conducted along with the business name, address and telephone number of the source of information. I have requested this information more than once and they will not provide it. Experian is bonded by the State of Texas and they are required to remove any and all invalidated debts. They are refusing to do so and are refusing to provided the written documentation showing this debt has been properly validated. They are violating my rights and I will not allow it to continue. Do your job and remove this invalidated debt. YOU ARE REQUIRED UNDER THE LAW TO DO SO. In fact, XXXX XXXX has now closed this account because they recognize they can not validate it. Obviously, Experian is not doing their job and has not been able to validate the debt. This is not my debt and must be removed. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I did not enter into any lease agreement with that apartment complex. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? Experian will not remove this account even though it has not been able to properly validate it as being my debt. My next step will be file a complaint with the Federal Trade Commission regarding Experian 's unethical and improper reporting activities. Thank you.