davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I received my XXXX XX/XX/XXXX, in which I began paying the following year through XXXX XXXX. While trying to find a steady job, XXXX XXXX made me go on forbearance of my student loan, because I could not afford to pay. It only accumulated more interested and added to my loan principle. It then transitioned to Navient and my payments went into the {$300.00}. Again I could not afford that, so I called to seek options. They put me in what they led me to believe was a income based payment, to find out it was a interest only payment. I started graduate school XX/XX/XXXX, in which my student loans went on school deferment. Today I called to get information on my next due payment, to find out that my loan principles are higher than what I ever took out. One of my loans beginning principle XX/XX/XXXX was {$9700.00} and now the unpaid principle is {$10000.00}. The other began at {$8000.00} XX/XX/XXXX and is now at {$8700.00}. I 'm in the XXXX field and have been looking at loan forgiveness, having been paying over 10 years. Today I feel I will NEVER reach financial freedom with my XXXX loans that I did n't make a dent, but now also show a higher principle ( which makes no sense ). In addition, I now owe {$18000.00} to the State of Texas for my XXXX degree. It almost feels like the more you accomplish, the further away you get from financial freedom. Navient deceived me and can not answer to my payment history with XXXX XXXX. Being in a helping profession that is underpaid, payment forgiveness and/or assistance should not be that difficult. Especially when your service is going back to serving the vulnerable populations of this country.
Consumer complaint received 2016-08-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IL)

I recently filed for bankruptcy in 2016, when contacted by the Navient Student Loan they wee informed of this. I asked to have the forms sent to me to start the process of having the loans removed off my account since I did file for bankruptcy. I was told that I would receive the forms by mail on XXXX different occasion in the meantime the rep said that I would be put in forbearance. That conversation took place on XXXX/XXXX/2016 and was told in the email it would last until XX/XX/XXXX2016. Than I received another email XXXX/XXXX/2016 that my forbearance was ending. I have still yet to recevie the paperwork for a dismissal of the loan.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I contacted Discover Card IT recently when I found out who I believe was a previous roommate who got into my office and opened up a Discover Credit Account under my name and even added my son to the account ( who doesnt live with me to cause confusion ) she also ordered items under my name and so on. Discover card statement zero fraud liability. I have contacted Discover regarding this and spoke with a gentleman regarding this in the Fraudulent Department who also sent me correct information stating that I am not responsible for the account since I never opened it up. They advised me that They closed the account prior to me disputing the account in its entirety because they believe that the account wasnt opened up by me. I received a call regarding the matter from Discover collection states my account is in collections. I am currently being proactive regarding this matter because a reliable coworker had the same problem with Discover and they advised her that she would not be responsible only to find out that another person got there hands on the fraudulent account only to override the previous discussion and corespondents.
Consumer complaint received 2015-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Unfortunately I need to jump on the bandwagon to complain about collection policies of Navient Corp. Since being acquired from XXXX XXXX, this organization has repeatedly called home, work, cell phone numbers for me, my daughter, and my wife, regarding student loan payments advising we are delinquent, payments never processed, or partial payments missing, etc. We have and continue to make monthly payments as agreed to via their/our contract. We are not financially able to XXXX or XXXX our repayment amount, nor can we afford to make repeated duplicate payments when they misappropriate funds. Originally, we had selected an automatic payment withdraw from our bank account, which failed terribly as they made unscheduled withdraws for our bank account, leaving over-drafts on our account ; or the withdraw would not be registered to our account requiring us to make duplicate payments. We have since changed our payment to manual so we are able to process a monthly payment to record it has occurred on time. Almost daily we receive XXXX or more calls stating our account is delinquent - to the point this monotony has become harassing. I have repeatedly requested to speak to supervisors, or frankly, someone in a US office who can intelligently manage a call. My requests are ignored, and the individuals make threatening statements and hang up without resolving my questions. I know they will call again later in the day or next day, and the process repeats. This organization has damaged our credit ratings by identifying our payments are not current. We have requested written statements from this organization - they have NEVER sent any document from which we could coordinate a review. But the harassing calls continue. We teach our children the responsibility of securing loans to support college education, and reinforce the need to make timely and complete payments so they can move on in their lives after graduating with good credit ratings. This company has made the student loan repayment process a nightmare. Unfortunately I see multiple years of this nightmare ahead for my family as my daughter re-pays her obligations, and as my son XXXX in 2016, simply to begin his own torture. I have followed the potential lawsuit targeting Navient and applaud any efforts the CFPB makes toward resolving this lenders inappropriate actions.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

My Name is XXXX XXXX, Navient has been taking care of my loans. After having issues making the payments that they were asking of me which are $ XXXX monthly. I 'm a single father of XXXX there 's no way that I could pay this amount. They did n't provide me any other choices. They also lied to me various of times. if my payment would be around XXXX I would be able to pay but they are not willing to work me, because of this my loan my default. This will ruin my life. I wanted to know how I could be part of the Lawsuit.
Consumer complaint received 2016-04-23
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Neon Newco Corporation (IL)

I am trying to transfer money to another account. I have in writing from Netspend that they do nit transfer to other Netspend accounts or to external accounts. They have n't given me any info on how I can transfer money to another account. This seems like the bank is false advertising transferring funds to accounts.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I have been experiencing issues with possible identity theft so I submitted a written dispute to Equifax asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WY)

I had several issues over the past years that had caused me to become delinquent with my mortgage account, at one time, I used to travel for work and had to rely on my own funds to travel and my company was not very punctual with replacement payments which caused me to become delinquent on my account, then I had medical issues which, again, caused me to become late with payments. I have since become current on my mortgage, after a loan modification, and have remained current since.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

There really is n't anything like what I 'm dealing with listed for me to choose from. So I chose " incorrect information on my credit '' because it is the closest thing I could find. Equifax has been dropping my credit score with no good reason lately. Not just a little fluctuation either. I have no collections, excellent credit card utilization and excellent payment history, yet EquiFax dropped my credit score XXXX points in one week!!!! I had a XXXX a month and a half ago and now it has dropped to XXXX! This is unacceptable and VERY inaccurate!! There is no good reason for a score to drop that significant that fast when my credit is n't no where near bad enough to justify it. I have actually had several things removed completely from my credit and gotten new credit cards and paid them on time over the last couple months. It makes no sense that my credit score would drop XXXX points in one week. There is something illegal and shady going on at EquiFax. 
I want my score restored back to what it was.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ND)

Reviewed my credit report and their is a fraudulent and unauthorized credit inquiry listed on my Equifax credit report. The following credit inquiry is unauthorized and fraudulent : XXXX XXXX XXXX, XXXX/XXXX/2016. Furthermore, I want the following addresses removed from my credit report, I have never lived at the following addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (NJ)

i have been with us bank for years with XXXX. card. On XX/XX/XXXX i stayed in NH XXXX there was no hot water at XXXX on XX/XX/XXXX i reported it immediately. 
nothing but excuses reports to BBB have just said we are sorry i request refund its ignored. I do not like that its possible you will give me a problem about this. by XXXX XX/XX/XXXX i was leaving and that is when it was discovered. there was nothing more for me to do. i want and am entitled to a refund without a problem i dont like getting a letter saying it may not be successful it better be. 
i am not paying it. XXXX would have already credited it.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

I have a twin sister, same date of birth, first name begins with the same letter, and social security # is different by only one digit. I have pulled my own credit report in the past and never had any problems. Now that I am trying to apply for a credit card, the company has pulled my credit report. It shows my social security # but it lists my sister 's name and all of her debts and her credit score. My credit is much better than hers and I would never qualify for a credit card with it showing her debts on my file. How can I go about correcting this and why would this happen in the first place?
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I was a victim of identity theft and I first noticed about a year and a half ago. I completed a full police report and submitted to Equifax months ago. Unfortunately, Equifax will not remove the items, while both XXXX and XXXX have removed all fraudulent accounts from my credit reports. I have been dealing with this fraudulent information on my credit files and re-disputing the accounts for over a year with Equifax and I would like the accounts removed so that I can go back to a normal life. At XXXX years old, I should be focusing on buying a house, getting a car, starting a family, etc. and because of this harmful and inaccurate, fraudulent information I can not do any of these things.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

I have a chapter XXXX bankruptcy listed on my credit reports with all three credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all three credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

Equifax Credit Agency : Deleted a good standing trade line from my credit report without me the consumer contacting the credit agency or disputing the account. My fair credit rights were violated due to the trade line being in good standing and was not ten years old. The trade line was deleted from my credit report on XX/XX/XXXX, when it was not due for deletion until XX/XX/XXXX. The trade line was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. Telephone number XXXX. When I contacted Equifax Credit Agency regarding reinserting the trade line it was stated to me, " that I had to contact the institution. '' I did! I contacted XXXX XXXX XXXX the Vice President, credit disputing department on XX/XX/XXXX. Her telephone number is XXXX. She stated, " I would have to move forward on my complaint against Equifax. Equifax stated, " to me XXXX Bank, sent in an electronic portal requesting to have the good standing credit line removed. '' I do n't know who is telling the truth or who is n't. What I do no is my FAIR CREDIT RIGHTS WERE VIOLATED. I am asking for the good standing trade line, [ description account number XXXX ] to be reinserted with all major credit bureaus. My fair credit rights have been violated. This has cost me tremendous stress, cost my credit score a tremendous score hit, meaning lowered my credit score. And most importantly, I continually to be miscommunicated, mis-leaded by both Equifax, and XXXX Bank. Please investigate throughly. As always, thank you.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have disputed a tax lien on my credit report with Equifax numerous times. Each time it states that it was verified via XXXX. I have asked for printed documentation that is dated after XXXX XXXX, XXXX ( letter attached ). To only receive a generic dispute results letter with an Equifax letter head. Under XXXX, the bureaus have to show me proof of their verification not tell me. Equifax has failed to properly re-investigate this. They sent me an almost identical letter in XXXX XXXX and XXXX XXXX. That tells me they generated a pre-written letter from the computer and sent it to me. I have contacted the court and they advise that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. So I do n't know why they were mentioned in the results. I am asking for Equifax to provide documentation that they have re-verified this tax lien with a XXXX letterhead that is dated after XXXX XXXX, XXXX. I sent the last dispute letter VIA USPS with the tracking number XXXX. The letter shows delivered but they did n't provide the requested documentation. Attached is a copy of the letter sent and the results that I received from Equifax. Please have Equifax to mail the above requested documentation to my current address. Also, have the responding Equifax representative provide the last date this tax lien was " verified '' with XXXX along with their name and/or ID number.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

i contacted equifax in regards to a inaccurate bankruptcy on my report, equifax said the account was verified, so i contacted the courthouse and county clerk sent back document saying they dont verify public records with the credit reporting agencies, so i sent this document to equifax and they basically verified it again, they lied they didnt verify anything, i want this deleted right away.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

Submitted a request on XXXX/XXXX/16 via Equifax 's online Dispute process to have the Consumer Statement ( which will expire on XXXX ) moved to the XXXX account as originally requested. My request also asked that the supporting documentation ( letter to XXXX ) be added to the account. 

It 's now been 45 days and as was the case when originally submitted, Equifax is yet to process the dispute as requested.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have been a victim of identity theft. 
I have sent a copy of the ftc identity theft affadavit, social security card, drivers license, police report, proof of address and everything the credit bureaus requested to block the identity theft off my report. They have violated my fair credit reporting act and refuse to do anything unless i buy their identity theft program. 
They barely speak any english, refuse to give you a supervisor and is next to impossible to find a number for a real person and not automated without buying their services.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TX)

I have now requested the PMI be removed from my account three times and also sent in the money for an appraisal XX/XX/2016. Ths company will not return any letters of only requested to have the PMI removed. I am well over the LTV of XXXX % to removed PMI adn also have never been late on any payments fro the life of the loan
Consumer complaint received 2015-05-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

I keep disputing this information with Equifax regarding these accounts. I asked the companies on my dispute to validate the debt as well as the negative information that they keep reporting to Equifax. I never received any validation of debt or any competent proof. Equifax claim they verified the debt and I would like to see the verification that they have received regarding these disputes. I have also filed complaints against these companies.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Equifax and XXXX failed to notified me regarding notice of disputed of reinvestigation as well some accounts has been removed from one Agency and let reported on the other. I demand this items to be deleted permanently. All this accounts on the report marks as derogartoy where not notified per FCRA require reporting agency to give notice of reinvestigation
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

I had identity theft from XX/XX/XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I changed my name, as far everything was working out for the good, then in XXXX XXXX finding out that someone want a house loan or personal loan for XXXX At XXXX XXXX I log into XXXX account found out someone had change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit bureaus reports and found out there was discrepancy on all XXXX credit bureau so I was Directed to The Federal Trade commission with this problem. They helped me in a big way & Thanks Everything was taken off in the credit report, that was supposed to include good standing accounts associated with my old name XXXX XXXX XXXX The only XXXX associated with XXXX XXXX XXXX ; XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (NM)

I placed an order at XXXX by linking to the XXXX website through the Discover Card ShopDiscover website. The offer stated that I would receive 5 % cashback bonus if I linked to the merchant 's website and made a purchase. I did so, but I did not receive the cashback bonus. I contacted Discover to resolve the issue, but they still did not credit my account for the cashback bonus. I feel that their cashback bonus offer is deceptive and that they do n't do enough to credit their customers ' accounts. I should n't have to follow up constantly to see if my cashback bonus offers were properly credited. I feel that the company is willfully deceiving people.