davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

This company has all kinds of representatives giving you wrong information. They told me while I was in XXXX I would have lower payments and once I XXXX I would have 6 months before I had to pay the loan. A week after I XXXX they took {$280.00} out of my banking account. I called in to tell them how it was explained to me of when my payments would start and they completely denied everything. I stopped making payments and of course the account went delinquent. I called in to figure out what I could do, and a SUPERVISOR specifically told me that according to clearing house it looks like I 'm below XXXX. I explained to her my next classes do n't begin till XXXX/XXXX/16 and she stated I could make a XXXX payment that would bring my account current and I had 30 days to turn in my schedule from clearing house showing that I 'm full time. She said the phone calls would stop and I do n't have to worry about another payment until they actually did receive the schedule. She did state that I have to make sure to turn in the schedule otherwise they could take action on the loan. Now, just 10 days later the harassing phone calls have started again and they 're stating " No, that was not what was told '' and want me to pay {$2000.00} up front.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

I have a student loan that is serviced by Navient. I do n't make enough money to be able to afford to pay off my loans even with income based repayment plans as I just had a daughter. My loans have ballooned out of control because I was advised to place my loans in forbearance every time I called and asked what my options are. This loan will be over {$90000.00} this year. And I am paying less than the interest now. I asked about lowering my interest rate and was told that is not an option. Navient, like any other company today is looking to exploit its customers as much as it can. Whats worse is I did n't have a choice in this matter.
Consumer complaint received 2017-01-26
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Markoff Law LLC (IL)

Markoff Law LLC added my sister 's {$12000.00} debt to my credit report which resulted in a plummeting credit score. After calling to inquire and to ask for something in writing to confirm it was n't my debt, XXXX, the representative, responded that it was for sure my debt and they have been garnishing my pay check since last year. I had to remind her several times what my name was and what my sister 's name is. She took my information and promised to contact me after doing a further investigation, but that contact was never made.
Consumer complaint received 2015-08-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IN)

Originally I went to XXXX to pursue XXXX degree XXXX. Before I completed the degree I was accepted to Indiana University XXXX. Because it was another XXXX program and XXXX degree I was forced to take out student loans. It has been so long ago I do n't remember exactly why I was not able to utilize only federally backed loans. I ended up with several private loans over the coarse of the program. Since that time I have returned using work tuition reimbursement plan and obtained and XXXX XXXX XXXX ) but I still can not get on top of these private loans. The interest keeps adding up. Late payments, late charges, interest etc, I fear I will never see the end. I will be paying on these loans longer than my mortgage. 
Now I have experienced several financial changes over the last years or so, that were not for the better. My significant other experienced a drastic change in his employment after almost 25 years. My elderly mother has moved in with me due to her own financial issues and is now dependent on my income. My car that I maintained for several years finally bit the dust and had to be replaced. The list goes on and on. 
Needless to say I am now being threatened with defaulting on the loans being serviced by Navient. Threatening phone calls at all hours including calls to my mother on her private line. I am at my wits end and in desperate need of help.
Consumer complaint received 2019-05-11
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. (MD)

I have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains XXXX  XXXX XXXX. I make over {$150000.00} a year, yet Equifax says my credit score is XXXX! Please help ... ... ... ....
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

To Whom It May Concern, I just received verbal confirmation that XXXX XXXX, Daughter, will be removed as an Authorized User on my Sear 's Credit Card, account number XXXX ( the Account ). It is my understanding that Sears intends to continue reporting the Account to XXXX, XXXX and XXXX on XXXX Credit Report, with the premise that she is not responsible for the balance. Unfortunately, although she is not responsible for the balance, I have written proof ( see attached ) that the existence of the Account and the related payment history ( that she is not responsible for ) is negatively impacting her credit score. XXXX is in the process of purchasing a home ; the negative impact ( lower credit score ) from reporting the Account on her Credit Report, will prevent her from qualifying for the Mortgage. Since she is not, and was never, responsible for the balance on the Account, I do not understand why Sears would report it to XXXX, XXXX and XXXX on her Credit Report in the first place? It is based on this premise and the proven negative impact the Account has on her Credit Score that I request that the Account be deleted immediately from any and all future reporting, on behalf of XXXX, to XXXX, XXXX and XXXX. I would like written confirmation that this request has been submitted to XXXX, XXXX and XXXX and that in the interim, I would like it noted on my Account, immediately, that I authorize a responsible Representative, from Sears, to discuss this information openly with XXXX XXXX, XXXX, XXXX and XXXX. This dispute has been going on for over a week. Time is of the essence ; XXXX is currently under Contract to purchase a single family residence at XXXX XXXX XXXX, XXXX, TX XXXX and if we do not receive the written and verbal confirmation needed, she will lose out on the purchase. This is not an insurmountable request and I feel it is something that could be done immediately.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

I was told by XXXX that my daughter could not get a loan because she had no credit established so they offered me a PLUS loan to get her started. At that time they did not tell me that I could decline the loan and that my daughter would have still been able to get a school loan without my help. I was a single mother and struggling financially so I deferred these loans as much as I could only paying here and there but still trying. My payments stayed pretty much the same for years. Then Navient took over. After struggling through a very expensive divorce I got behind in my payments to them so I deferred once more. So starting in XX/XX/XXXX I started paying on my loans and my payments were {$200.00} which I could do. Then I started getting notices that I was behind on payments. I went back and looked and from XX/XX/XXXX to XX/XX/XXXX I had made {$1200.00} in payments ( I started at the end of XX/XX/XXXX and was making {$200.00} payments every XXXX weeks ) but when I would look up my loans online it showed I was still behind by almost {$800.00}. I started looking at my statements and realized that they increased my payments In XX/XX/XXXX from {$200.00} to {$350.00} and then starting in XX/XX/XXXX my payments would go up to {$370.00}. I called Navient and told them I could not afford to pay {$370.00} and why did my payments increase and they could not give me an answer. They said my only solution was to file for forbearance and they would cancel out the money I owe for back payments. I told them I did not want to file for forbearance again because that would only increase the interest that I would owe. They told me that was my only way to catch up on my payments. It is so totally unfair that you try to help your children get a good education and try to help them out but end up paying for the rest of your life because the interest on school loans. Navient is so uncaring and they are liars and need to be stopped.
Consumer complaint received 2017-01-25
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (OH)

I received a prepaid debit card # XXXX thru CITIBANK. The card was issued on XX/XX/XXXX and the plastic card listed an expiration date of XX/XX/XXXX. I believe that this violates the Credit CARD Act of XX/XX/XXXX, which requires a 5-year period of use. I have reached out to the telephone number on the back of the card ( XXXX ) and was routed to a company called " Prepaid Services, '' XXXX XXXX XXXX, XXXX, PA, XXXX. I explained that I need the card to be reissued because the stated expiration date was not in accordance with the time period required under state and federal laws ( the card has not been " activated '' for & gt ; 12 mo. for which fees would apply ). The company refused, citing its agreement with the issuing entity ( XXXX ). 

Please help clarify whether I accurately understand the legal requirements and advise whether I am entitled to a refund of the card amount ( {$15.00} ).
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OK)

I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute Experian would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have previously submitted a certified on XXXX XXXX, XXXX letter which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate, incomplete or erroneous. 
The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no account information in XXXX and from XXXX, XXXX and no information in XXXX. 
The account also lists no balance or past due balance or charge off amount.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (ME)

I implemented a credit freeze with Experian, XXXX and XXXX last year when my personal data was stolen from XXXX XXXX. Experian gave me a XXXX digit PIN to use to unfreeze my credit report but when I tried to use it this morning it was rejected. Experian does NOT provide any means for me to speak with a real, living human being to try and fix this.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have XXXX credit inquiries from banks that I did not authorize on my credit report. I have tried to dispute these with Experian and they have not removed them. I pay very close attention to credit inquiries and did not authorize these companies. Only the dealer and XXXX XXXX. I have disputed another company in the past with Experian and they refused to remove it at that time as well. It appears Experian does not care if an inquiry is correct or not they leave it on the credit report regardless.
Consumer complaint received 2017-04-30
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: ALLY FINANCIAL INC. (TX)

I was in the process of purchasing a car for my daughter & I got pre approved by  XXXX   XXXX  ... I contacted  XXXX  dealerships  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   )  & forwarded my pre approval with   XXXX    XXXX  but they still ran my credit without my consent ... They knew I had a pre-approval & I wanted to go with  XXXX   XXXX  ... I emailed them my pre-approval as well so they would know the condition of my car loan ... Now I have all these hard inquiries on my credit report which should not be there ... The only  one  that should appear would be   XXXX   XXXX   XXXX  &  XXXX   (  my credit union ) which I applied with before I got my pre approval with  XXXX   XXXX .  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  should have not ran my credit ... I have attached the emails between the two dealerships showing they knew I had a pre-approval through  XXXX   XXXX  ... Please have them delete these HARD inquires of all three credit bureaus ... Greatly appreciate it ... Thank you ...
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NC)

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. EXPERIAN are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? EXPERIAN have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX XXXX ( XXXX XXXX A XXXX & XXXX XXXX XXXX XXXX XXXX Furthermore Experian have failed to provide the method of verification as required under XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that under Section XXXX XXXX of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Also there is a account that was removed but put back on my credit report under a different account number i also want it removed again for good this time. Enclose are proof of the violation.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Reving my credit score I see some things that I do now that will need to dispute on my Credit XXXX is from XXXX I paid my bill on time every month XXXX day the sent me a XXXX bills said the meter was read wrong trying to get me pay all XXXX bills plus my monthly because XXXX meter was read wrong and they admit it was there fault. Also XXXX other items was XXXX apartments I stayed in was XXXX for both I was on XXXX. they saying I did n't pay info was incorrect if I did n't pay I would n't have effected and would n't been still on the program.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OR)

I have been trying to improve my credit score for 9 months now and I have disputed several things on each report that were incorrect. I notice that after they are removed that some of them are put back on ... this makes no sense!!! I also have paid and am paying on some of these accounts that they are showing and the credit bureaus do n't have the information accurate. What do I have to do to get my credit reports accurate? Please help!!!
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (IA)

Experian is not showing any credit history or score for me. I have been denied a mortgage twice in the last 6 months because of the missing information. XXXX and XXXX both show an extensive credit history and scores. I have spoke with my lenders and they are reporting to all XXXX bureaus. I believe this is against my rights as a consumer. Please help me resolve this issue. Sincerely -- XXXX XXXX
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, Equifax, and XXXX ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX in XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Equifax since you told me to file separately against each credit bureau.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I have disputed inaccurate information with XXXX since XXXX when I filed a counter lawsuit against them. The case was settled in XXXX. However, XXXX continues to intentionally report inaccurate information. The attorney representing XXXX is XXXX, ( letter attached ) and I have sent them XXXX dispute letters as well. The first dispute letter sent to XXXX once they took over the account from the previous debt collection attorney whom I litigated the case with was emailed and e-faxed on XXXX XXXX, XXXX. 
However, I have disputed this account to XXXX and all three credit reporting agencies since XXXX. XXXX sent me a partial response showing the information on my credit report is inaccurate date of last delinquency is inaccurat and according to the statements they sent me, there were no payments made in XXXX, XXXX or anytime after, yet they continue to report a payment in XXXX. 
The information is not the same as what XXXX verbally told me over the phone, which was they did not have a recorded payment received in XXXX. Per the FCRA the collector is required to report accurate information. I have now been denied a loan due to the inaccurate reporting by XXXX. 

AdditionallyXXXX XXXX has been reporting inaccurate information which I also disputed several times. XXXX did not follow CA law in order to collect a deficiency balance ; XXXX did not send me a notice about the location of the auction, did not allow me the opportunity to reinstate my loan as required before the creditor can collect a deficiency balance. XXXX only removes from XXXX credt report at a time only upon my dispute, they should report accurately to all credit reporting agencies, no just remove one at a time only when specifically disputed if they are removing from one credit report they should report accurately on all credit reports.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

I have disputed this bankruptcy before several times with XXXX & Experian and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but XXXX & Experian has fail to remove it.