davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I enrolled into University XXXX XX/XX/XXXX. When I enrolled, I was told that I would not be using my loan, until I got into my higher classes. I was enrolled from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, I got into a major car accident XX/XX/XXXX, so I had to drop from my classes due to many XXXX and doctors ' appointments. When I called my advisor, to drop my classes they told me that there was a balance left on my account in the amount of XXXX, they said that it would be sent back to the lender. Which at that time was XXXX. So, I waited, and kept checking my federal student aid report, hoping to see that they received it back. When I talked to University XXXX they said that it might take a little while to get back to XXXX, because they had just sold the company to Navient. I kept waiting. I eventually got tired of waiting and calling with no answers. So, I called University XXXX again. The first time I talked to University XXXX about the loan not credited to my account, was on Tuesday, XX/XX/XXXX at XXXX am. They said to keep waiting and that they did send it back to Navient on XXXX, XXXX, XXXX, they said to wait a little bit longer. I never saw it get credited to my account. I called University XXXX back again, on Monday, XX/XX/XXXX at XXXX. They said they would sent me a copy of the funds return letter to show Navient that they sent it back to them on XXXX, XXXX, XXXX. They sent it to me. When I got the funds return letter, I called Navient on Tuesday, XX/XX/XXXX at XXXX. I talked to a lady named XXXX. I explained the situation to her, she put me on hold to look at my account because she was having trouble with my account, it kept giving her an error message. When she got back on the phone she gave me no information about the loan being returned. She just tried to get around it. It is now XX/XX/XXXX and I still have no answers on where the money is. I really need help.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (KS)

I took out a total of {$22000.00} from Sallie Mae between XX/XX/XXXX and XX/XX/XXXX. I began paying this back this year, XX/XX/XXXX. Due to a XXXX leave, I had to return and finish XXXX this fall, meaning I did n't get a grace period. That is not the issue, however. According to XXXX, they picked up my loan and I am supposed to be paying them. Sallie Mae is telling me that I still need to pay them. My {$22000.00} has now turned into {$44000.00} among XXXX different companies. Instead of paying the agreed upon $ XXXX/month, I am now sitting at owing $ XXXX/month right now. I have made countless calls but I just get told that the other company is wrong. 
I was told by the Department of Education to report XXXX because they wo n't provide me any proof of signing my debt over to them. I asked for the promissory note because my mom and I never did anything regarding XXXX, but they told me that they could n't give me my promissory note and I had to call the Dept. of Ed and get it from them. When I called the Dept. of Ed they told me that was incorrect and a violation on XXXX 's part. 
I went to the bank today and assured that I only ever received {$22000.00} through loans. They verified that and told me I need to get proof from both of these companies. Neither company will give me any proof and they keep giving me the run-around. I can not live paying {$850.00} a month right now for student loans -- I have my rent and car payments on top of that, and it is impossible for me to bring in that kind of money when I graduated XX/XX/XXXX. 
The bottom line is that my loan amount was doubled from {$22000.00} to {$44000.00}, and both companies are telling me that I need to pay them. I went to a XXXX College for two years and payed out of pocket for that- I then took three years at XXXX , including a XXXX semester that I received a XXXX. The fact that I received {$44000.00} dollars worth of loans is simply impossible and I need to get this figured out as soon as possible. I have spent over ten hours on the phone during the last two days and have gotten no where. 
Please help me, XXXX XXXX XXXX
Consumer complaint received 2015-05-05
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CASHCALL, INC. (MN)

I was called by XXXX XXXX of XXXX XXXX XXXX in XXXX, he was calling to collect a payday loan from 2011. He was rude and threatening. he said if I did n't pay right away " he was going to haul me in front of a Judge for Defrauding cashcall ''. He also has called both of my sons ( not sure how he got their numbers ) and giving them a hard time about wanting to serve papers to them on me. He also called me at work saying the same thing and saying he did n't want to embarrass me at work but would if I did n't pay immediately. He stopped calling for a week them started the same thing all over. The number he gave me via voice mail to call is XXXX. This was a {$500.00} loan and now he is trying to collect over {$5000.00}. Shortly after I took this loan I became ill with XXXX and have been fighting that the last few years. I am not a criminal as he is saying to me and my sons.
Consumer complaint received 2016-06-10
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BOK FINANCIAL CORP (OK)

Our first complaint with a specific BOK Service member, other than having personality flaws, i.e. rude, is that they do n't disclose that they can not work with 100 % Permanent XXXX XXXX XXXX XXXX. We were less then 24 hours from closing the loan on the house and we received a text from the BOK service member stating that he would have to escrow taxes for a year. We informed him at the beginning of the process that we were tax exempt and continued the process. It was truly a waist of time on everyone 's part that was involved. Because of their lack of knowledge regarding our Vets and home loans, we have lost our appraisal and earnest money along with the inspection money which we paid for up front. It 's a disgrace that this would happen to anyone, but we would like to inform others especially senior citizens like our selves so they may be aware. Also the lack of loyalty between bank and consumer because information was given to XXXX party before given directly to us. On top of that, he picked the closer and we never received a corrected XXXX. I will never recommend BOK to anyone.
Consumer complaint received 2016-08-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (FL)

Penn Credit calls my home repeatedly. When I answer the phone, they state a name ( for example " XXXX XXXX '' ) and ask if I am that person. I say " no '', and they hang up. The next time they call, they give a different name ( for example " XXXX XXXX ), and ask if I am that person. Everytime they call, they ask me if I am a different person. 

Penn Credit is obviously going through the phone book, or just calling random numbers, on the off-chance they will reach a creditor. I have stopped answering the phone when they call, but I am really tired of having to put up with this behavior. It is harassment. Someone in the government should file charges against this company. Better yet, put them out of business.
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WV)

I was just reading an article about how Navient has been accused of steering borrowers towards forbearance instead of income based repayment plans, and this is exactly what happened to me. It was only in hindsight after having a co-worker inform me about the income based repayment plans that I realized I had been misinformed that forbearance or deferment were my only options. I also see from this news article that Navient is denying those claims ; however, you can add me to the list of individuals that were taken advantage of in this fashion. I guess when the rules say that the interest is capitalized back onto the loan if you ca n't pay in full, it incentivizes the lender to maximize it 's profits? 
I graduated in XXXX XXXX and was told that my student loan payment would be around {$570.00} per month, and did not begin paying until XXXX XXXX after 2 years of forbearance and deferment. I kept trying to figure out how I was going to stretch out the maximum numbers of years that I was allowed to defer, as that was the only information I was given by this company.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (VA)

XXXX XXXX CT XXXX XXXX XXXX XXXX, 2021 {$30000.00} XXXX, XXXX Reported : XXXX XXXX, 2021 {$160.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, 2021 {$210.00} Needs Attention
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have been paying the required monthly payment plus some since my repayment terms started in 2008. My loan payments were supposed to end this year and then Navient changed that and now somehow my loans extend into next year and beyond. I was supposed to be done this year according to when I had my loan with XXXX XXXX and now I still have like {$5000.00} left somehow. I pay the required amount every single month I do n't understand how I still owe so much on my loan. It does n't seem right
Consumer complaint received 2016-05-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC. (TX)

this is debt that have been fighting over this debit was suppose to charged to my insurance company once again I give the XXXX driver city of XXXX my insurance information and they did n't put the put the information in right and did n't put the right number in and did n't fell that is it my responsible to give to keep giving them my insurance information. it sad that all the hospital in XXXX can put the current insurance claim in. I do n't understand why it so hard to put the right information in right in the first place. an sick and tried of this company harassing for their mistakes. and what me to pay for their issues I did n't put the wrong number of information in their did that plus their XXXX drivers were very rude and being hateful I have a XXXX as well. I was born with XXXX and did n't like the way I was treated.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

I was asked to send someone on " XXXX XXXX '' XXXX dollars regarding the transaction of a smartwatch. The person 's name appeared as " XXXX XXXX '' ( who changed their name on XXXX shortly after the transaction then the account disappeared altogether ) and when I sent them the money requested, the transaction was displayed in my bank account as " XXXX ''. I have contacted my bank which is Chase numerous times and was refused investigation under the claim that the transaction had been authorized on my end so it could not be considered a fraud. A similar scam happened to a friend ( he was trying to buy something from XXXX XXXX ) using the exact same bank with the same type of debit account through JPMorgan Chase and they were compensated the full amount. Therefore, I have the right to conclude that this financial institute is discriminatory in nature.
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (GA)

I returned an item I had purchased at XXXX, who issued a refund to my credit card on XXXX XXXX, 2015. The credit has never been posted on my BP credit card with Synchrony Bank. Despite countless calls, promises, " glitch on computer screen '', they have never posted the credit to my account. I have in-hand a letter dated XXXX XXXX, 2015 stating that the credit was applied to my account on XXXX XXXX, 2015. This simply is not true. I have gotten nowhere with their customer " service ''. This past Monday, XXXX XXXX, I was assured by someone named " XXXX '' in the disputes dept that the credit would be posted to my account " within the next 24-48 hours ''. He gave me what he said was a direct line to him and a call-back number. I called that number today and it " is not a working number, or has been disconnected ''. I could write you a book on all the reps I 've spoken to and the shameful runaround I 've been given, but suffice it to say that they have had possession of {$960.00} of my money since XXXX XXXX and I see little hope of getting it back in dealing with them directly. This is the worst customer " service '' experience I 've ever had. I 'm XXXX years old, and certainly I 've had many of these occasions.
Consumer complaint received 2016-07-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OH)

Called bank to get acct info.employeeXXXX XXXX read off routing number very fast she was about to hang up I said wait ca n't I read the numbers back? I read the numbers back. She said that 's not what I told you. She read the numbers off again. Then hung up. I called back. Asked if I could have my acct #. She said no I would have to come in. I told her I just got out of the hospital could n't I be asked my personal info that no one knows but me? she told me no and hung up again. I get out of my sickbed, go to the bank and asked to speak to a supervisor. She said I am the supervisor. I explained that she was very rude on the phone to me. She started smirking at me like this was a joke. I asked her do you think this funny? why are you smiling this is not funny. There was another teller there she saw the whole thing. This is not professional and I will not be treated in this manner. As soon as I am well I will be closing my acct. And family members that bank there are going to do the same to support me
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by equifaxIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I previously submitted a complaint regarding GA XXXX XXXX XXXX which were re-inserted on my Equifax credit file. This is credit discrimination! These files were previously deleted from my file in XXXX and have been paid and released. All XXXX GA XXXX XXXX Liens must be removed from my file. They should not have been reinserted in my credit file. This is illegal to reinsert information which was previously deleted from my file and is a form of Retaliation because I filed my complaint against Equifax regarding other matters in XXXX and XXXX. This is a retaliatory act. The XXXX XXXX XXXX XXXX has the XXXX liens as paid in full. Take it off my credit report. Equifax has a extreme habit of attempting to XXXX minorities XXXX and this is XXXX prime example. The XXXX GA XXXX XXXX records must be removed because they have been paid and should have never been reinserted on my credit file. Also, the statue of limitations states that Public Records can be removed after 7 years, and they were removed in XXXX, after being on my credit report since XXXX. They should have never been reinserted on my credit file.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

XXXX This is in reference to this case #. I guess the case is resolved as I did not receive a completed answer from cpfb or Equifax. 
Equifax and the Division of Child Support needs to show me what law allows DCS to report to my credit when SSI is my only income! XXXX/XXXX/XXXX DCS just reported again and during this dispute. Reporting to my credit is a legal process. I am on SSI. There is nothing I can do about paying this fraud child support to a millionaire. YOu do n't believe me? Look at XXXX XXXX XXXX XXXX XXXX, Wa on XXXX. 
Will be filing injunction in my State and will be suing DCS and Equifax may now be a part of it. 
additional laws! 
42 USC 407 ( a ), which prohibits a person from transferring or assigning his or her future public benefits and exempts the benefits from " garnishment [ ] or other legal process, '' applies to SSI benefits ( see 42 USC 1383 [ d ] [ 1 ] ; XXXX [ XXXX ] ). The federal regulations governing the SSI program similarly prohibit both a person from transferring or assigning his or her benefits and a party from garnishing or taking the benefit by other legal process ( see XXXX CFR XXXX, XXXX [ a ] ; XXXX CFR XXXX ). The XXXX XXXX has provided three characteristics of " an impermissible 'legal process ' : ( 1 ) the process is 'judicial or quasi-judicial ' ; ( 2 ) the process transfers 'control o [ ver ] property... from one person to another ; and ( 3 ) the process is applied 'in order to discharge or secure discharge of an allegedly existing or anticipated liability ' '' ( XXXX [ XXXX ] the act of reporting to my credit is impermissible! You tell me what one is supposed to do on ssi with no means of paying this fraud? Allow the reporting for the rest of ones life? 
They are reporting to my credit against SSI income, that is all I have!!! It is a legal process! 
Then I was never afforded due process from the beginning, letting me know by law that dcs was going to report to my credit. 
Equifax may find them a part of the upcoming injunction in my State court. 
XXXX XXXX
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

The credit bureau Equifax refuses to remove an item/account in dispute that I have provided documentation for from the collection agency that states they will request to have this item/account deleted. I 've spoken to several agents all with different answers and no solution. One agent ( XXXX ) claims the document was n't legible, so I 'm submitting the document in this complaint to ensure legibility.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I have continuously disputed the AL Child Support Case with Equifax. I have also provided proof. However, Equifax has continued to violate my rights as a consumer to correct and delete incorrect information and the account. I have disputed the late payments as well as the amount expected to be paid on this account. None of which has been reported correctly. Equifax has parroted the account instead of an actual individual reviewing the account and the proof I provided. Equifax has claimed to have " verified '' the account. I have never been late with my child support payments. I have never not paid my child support and the amount expected to pay is incorrect. I will provide my check stubs for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX XXXX from XX/XX/XXXX as well as the child support order from the courts showing my actual payment amount which is {$850.00} a month. On my check stubs the child support deduction is labeled as " Other deduction 1 '', which is deducted weekly from my check. Which as always been on automatic deduction. The incorrect reporting has continued to cause my credit score to decrease and has caused me to be denied for a Mortgage Loan.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According tot he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.