davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

Hi, I first got my student loans through XXXX XXXX and later consolidated. My compliant regarding these loans is the fact that i have been making payments on my loans since XXXX and within the last several years almost nothing has been applied to the principle. I have a fixed interest rate and i do have a lower monthly payment. I recently, XXXX/XXXX/XXXX, spoke to a representative from Navient and she basically told me that if i continue to make my current monthly payment which i have now been doing for 7 years that for the rest of my life i will be continuing to make payments and my principle will never decrease. My balance when i originally started was {$26000.00} and my current balance is {$28000.00}. My current monthly payment is only {$50.00} less than my original payment. Why is it that when i paid {$50.00} more i was having anywhere for {$68.00} to {$90.00} being applied to my principle but now almost nothing is being applied. For the last 3 years out of all the payments i have made only {$280.00} has been applied to my principle. I just do n't understand why my payment can not be split to have at least a percentage get applied to my principle. I have had several loans throughout my life including a graduate student loan. However, this is the only loan i have been consistently making timely payments on and not have my principle decrease but to increase. What makes this even disappointing for me is that i called and talked to Navient and told them i specifically needed a repayment plan where i can make payments, because i want to pay my bills, and have my payment be applied to both principle and interest and i was guaranteed that my repayment option would do that. I 'm just getting really frustrated and honestly afraid because if do n't continue to pay Navient then my really really good credit score is going to become terrible which will hurt any and all of my opportunities of getting any type of future loan. I could also have my wages garnished which i seriously can not afford. If i continue to pay them there is no guarantee that my payment will be applied to my principle.
Consumer complaint received 2017-03-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

Navient XXXX Student Loan. 
Name : XXXX XXXX, XXXX, CA XXXX email : XXXX Phone : XXXX Synopsis : my student loan originated through XXXX as recommended by my college and I received a XXXX student loan for XXXX amounts : DATE : XX/XX/XXXX {$41000.00} DATE : XX/XX/XXXX {$8200.00} TOTAL LOAN {$49000.00} I was enrolled at The XXXX in La Jolla, CA which offers a XXXX in design with a 4 year program. As I was also working at the time, it took me several years to graduate. I was at the time living at my address above. 
During the period of XX/XX/XXXX through the present I married in XX/XX/XXXX, had a child in XX/XX/XXXX. During the period from XX/XX/XXXX to the present my husband took hundreds of dollars and maxed out my credit cards, in addition to re-financing my house without my knowledge. The child and I suffered much abuse and confinement from my spouse and I was secretly moved to a safe house in XX/XX/XXXX where I lived for many months. In the meantime I filed for divorce in XX/XX/XXXX and custody of my child as we had been confined to the house without hot water or gas to cook and wash, as well as other conditions. 
In the mean time I was attending school and working with my parents taking my son until late XX/XX/XXXX when they moved to XXXX. 
I have been continually harrassed by Navient throughout the period following my graduation and until the present. I have been threatened almost daily this year with Default and was forced into Forbearance in XX/XX/XXXX. I had been making loan payments whenever I could. In XX/XX/XXXX-XX/XX/XXXX I filed for bankruptsy as my former spouse had used my savings and salary for his own disposal, including gambling in the stock market and losing hundreds of XXXX dollars. 
As of Today, XX/XX/XXXX I am employed and Also have a 24 month old daughter. I am XXXX of XXXX and still suffering to make ends meet. 
The Navient Harrassement which is constant has now threatened me with Wage Garnishment of 25 % beginning on XX/XX/XXXX unless I pay nearly {$10000.00}. by that date. I do not have any financial resources to accomplish this payment and fear the worst. 
My current loan balance with interest is to date at {$79000.00}. 
I am writing to ask if I have any recource with the current lawsuit filed by the CPFB against NAVIENT. 
Kind regards, XXXX
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I have contacted Equifax by certified letter ( return receipt ), by filing disputes online, and by calling on three occasions to no avail regarding hard inquiries on my report which were never authorized by me. Equifax has reported incorrect names, incorrect addresses, and multiple hard inquiries that are fraudulent despite my written and verbal notification. They have sent me a final response stating the report they have on file is accurate. In accordance with the FCRA, they must remove information that is not accurate and was not submitted/used to obtain credit by me.
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (OH)

I have XXXX separate loans under consideration ( I 'm opening XXXX separate incidents, XXXX per loan ). Each loan was transferred a number of times, and satisfied with the final lender. The problem is that the original lender is still showing the loan as not satisfied with XXXX of the XXXX major credit reporting agencies.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OK)

I notified the XXXX major credit reporting agencies that XXXX collection agency 's had reported false information to them which showed as collections on my credit reports. Experian was the only Credit report agency who did not delete these XXXX collections. Both collections are from XXXX Account XXXX. The XXXX for the amount of {$380.00} and the XXXX for {$410.00}. I advised all XXXX Credit agencies that I was not responsible for these XXXX collections. They belong to my Mother ( XXXX XXXX XXXX ) who passed away XXXX XXXX 2014. I am not responsible for her debts. Again, I ca n't understand why Experian will not remove these XXXX collections from my credit report since they are not in my name and I am not reponsible for someone else 's debts.
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX + Card from Citi XXXX was got debited by {$140.00} this was debited XXXX XXXX XXXX as an description. I have never requested for this product not received the product from this vendor. I have inform the Citi for the same. they have assured me that the necessary action will be taken by them. After two month in XXXX again the amount got debited to me which was reversed by Citi. although my account was closed by Citi in the XXXX 2015 only, still they are charging late payment and overdue interest to that account. I am getting harassment mails from citi for payment for a transaction which i have not done. Being a valued customer of citi i have requested them since last 4 month to look into that but all vain. also they are not providing me POD details that i have received that product from vendor.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

One day I noticed late payments from Navient on my credit report. I immediately contacted Navient regarding the late payments and balances reported on my credit file. I even requested my promissory note and original documents, but was told that they did n't have them on file. Ultimately, Navient removed the late payments from my credit reports. However, the balances, which are extremely high, still reflects on my report. Navient did not remove these balances after learning they were in error by reporting them on my file in the first place, because my records showed that my student loans were in forbearance at that time. This has been very damaging to my credit due to the high balances of my student loans. In addition, Navient have failed to provide me accurate documentation reflecting those balances. I can say that my student loan balances have increased substantially after being transferred from XXXX XXXX to Navient. I 've complained about it to Navient but was told it was merely interest. My response was, " this is an unethical amount of interest. '' In closing, I feel like I 'm being ripped off. I feel that Navient is mishandling my loans. I 'm not even sure I owe what they claim I owe. How can I find out what is accurate and what is not? My hands are tied here. I do n't know what else to do. Can something be done about Navient?
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made XXXX payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

My balance statement was paid in full by the due date and on the next statement, I am charged an interest rate on the previous months charges. For example, the previous balance including the previous months interest chanrge is {$100.00} and you pay it off by the due date, according to XXXX XXXX XXXX XXXX who claims to be a manager at Citi, even though you pay off the balance, you are still charged an interest rate even though you have completed paid off the bill.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

I booked a vacation through XXXX. I had to cancel due to my sister in law being put on life support. I canceled the vacation package from XXXX and my hotel was refunded but not my flight. XXXX stated that I would receive a flight credit. I never received a credit for my flight from XXXX nor the third party airline - XXXX. When I finally got fed up and called both companies I was given the run around. XXXX decided to take away {$270.00} dollar of my flight credit leaving me with {$430.00} dollars. They also charged me {$700.00} for the flight despite me having a receipt showing that the cost of the flight was {$680.00}. I alerted Citi Cards of this matter and they charged me the {$700.00} despite my receipt transaction being {$680.00}. They then said that they could not do anything about my flight credit because I never received any communication, in writing from XXXX. Instead I had to call about my flight credit. This battle involving XXXX and XXXX exceeded my XXXX grade period I had to use the flight therefore all of my flight voucher was forfeited due to the slow process at Citi. Citi has left me, the consumer, with no support in this fraudulent charge for the flight nor any support in {$270.00} being taken away from my flight credit despite what penalties are posted on XXXX.
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

Equifax has removed delinquent items from my credit report, yet my score never changed. My report now matches the other XXXX agencies where my score is XXXX is near XXXX. I need them to explain why my score with Equifax is XXXX, nearly XXXX points less than the other XXXX agencies ( See Attachment ). How is it I 'm almost XXXX points different between XXXX agencies? 

Equifax never mentioned in writing why TAX liens that were RELEASED, not paid as the State of CA. Filed them in error were not removed. As per the law they should be removed since Equifax did n't return an answer within 30 days. The TAX lien has been removed by the other XXXX credit reporting agencies.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IA)

I've tried Reaching the company after reviewing my credit report and finding they was reporting XXXX  on my report, I tried to get the company and they dint respond in a timely manner of my letter I sent requesting information. XX/XX/2022
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (FL)

XX/XX/2014 I completed a short sale of my home. I recently observed my credit report and CitiMortgage is continuing to report to the credit bureau resulting in my credit worthiness and credit score to have a negative impact. I was able to confirm that CitiMortgage has no legal grounds to continue reporting this account to the Credit Bureau.
Consumer complaint received 2017-05-22
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: Experian Information Solutions Inc. (IL)

I am requesting the removal of two judgments and four bankruptcies ( below ) on my XXXX and other reports due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. XXXX XXXX XXXX XXXX . I did not know the source of their information on those judgments and bankruptcies and due to this XXXX has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with XXXX XXXX verifying and I contacted them on XXXX and stated it was not. Judgment XXXX AND XXXX Bankruptcies XXXX XXXX XXXX and XXXX
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (AZ)

I was hoping to get my credit report so that I could update my resume with the proper dates of employment., When I had to answer the Verification questions I was asked about a Mortgage and a retail credit card. I have neither. Due to not having thedetails on charges on my credit I DID NOT do I can not access my creditreport to even see where they came from. 
I 'm scared and frustrated.
Consumer complaint received 2017-02-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Ria Envia, LLC (CA)

I sent through the RIA financial services branch located in XXXX XXXX Ca. with the amount of {$780.00}, cahrges/taxes {$39.00}, TOTAL {$810.00} on XX/XX/2017 but the transaction was n't done and was canceled on XX/XX/2017 and when I go to that branch location, the agent there does't give me my money back because she has n't received the order from her manager or supervisor. Then when I call to check if my money is ready to pick up, the agent is telling me that until she gets the confirmation or approval, she will call me but the time period of 10 days in overdue with no answer from them.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (FL)

I received a letter dated   XXXX   XXXX   XXXX   from  XXXX   XXXX   XXXX  to validate an alleged debt.  XXXX   XXXX  has identified themselves as the original creditor but they are not and the information the creditor provided to validate the debt is invalid. The date on the materials provided for  XXXX  University was dated  XX/XX/XXXX  and I was  XXXX   XXXX   XXXX  at that time. I am not legally responsible for this debt because I was a minor and I could not enter into such legal contracts when I attended  XXXX  University from  XXXX . In addition, there is a note at the bottom of the letter stating waived  XXXX . That is the business that is responsible for this debt.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I SENT IN THESE LETTERS FROM EACH CREDITOR, DIRECTLY TO EXPERIAN, IN ONE BIG ENVELOPE, THE CREDITORS HAVE ADMITTED TO MAKING ERRORS ON MY REPORT. THE FALSE INQUIRIES WERE SUPPOSE TO HAVE BEEN REMOVED BY NOW AND THEY NEVER HAVE. ITS BEEN WAY OVER 30DAYS NOW.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

I have requested on several occasions for the agency to please validate a bankruptcy judgement information reported on my account and provide me with copies of any documentation associated with this account, bearing my signature. This information should be supplied within 30 days. They refuse to provide me with the information of how they are verifying this to be my account as will as I requested the name address, phone number and person whom verified this account to be mine and nothing has been provided by the agency.I have called the agency to only be rude to my the staff of this agency.
Consumer complaint received 2015-08-19
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: SCV Inc. (OK)

Contacted by collection agency, regarding debt that is well past the Statute of Limitations for Oklahoma ( my state of residence. They have contacted my son on several occasions, using language that indicated this is a serious legal matter requiring my immediate attention. They do not identify who they are and the purpose of the call.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (MD)

There 's an option to transfer a balance on my card but I 've never been able to transfer a balance. I 've had this card for about four years and have never been given an offer to transfer balance. But Chase still has the option to do so, I would like to be able to transfer a balance since it 's listed on my account.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

all I am trying to find out now ( so I can decide what steps to take next ), is this,, In XXXX XXXX 2015. I paid off a Debt. IN FULL to XXXX XXXX, yet here on XXXX XXXX 2015 acct # XXXX is still showing as a debt we owe of {$4400.00} I have called them and they are saying they submitted the paid status to Experian, Experian says they did not, or are not reflecting the change in their records. My question is,, what do I do now,, I need to apply for a business loan and these agencies are ruining my chances of doing so as this debt RECOGNIZED as being paid will surely increase our FICO scores. please advise. XXXX XXXX
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (CT)

I have several student loans with SallieMae currently totaling over {$1100.00}. When paired up with my federal loans I am paying over {$1300.00} out of my roughly {$2000.00} in monthly earnings. Long story short, after factoring in living expenses I am spending more than I make and have been compensating by using some money from savings to help with my loan payments over the past several months. This is money that I reserve for special circumstances ( medical, auto ) and even if I 'm lucky enough to not have an emergency need, the fact that I 'm constantly taking out more than I 'm putting in means at this rate I will go into default on my loans at some point. Knowing this I attempted to call SallieMae today to inquire about an interest rate reduction program that I 've heard they offer to clients who are having financial troubles. I was frustrated to find out that they only offer this plan to clients who have already gone into default on their payments ( which to my understanding would not be good for my credit score either ). So basically I need to keep doing what I 'm doing and until the money runs out and SallieMae actually helps. It is extremely upsetting that I can tell them ahead of time and prove with my finances that I 'm headed for trouble yet they wo n't throw me a lifeline until I 'm actually drowning.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, XXXX or Equifax credit bureaus can provide an explanation of the factors that influenced such a significant change.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

A collection account was made against my credit report. I disputed this with Experian and Transunion and they were deleted from my credit report. Dispute several disputes made with Equifax over the past year, and additional several dispute made recently. I have provided Equifax with Proof of payment was made before this was sent to collection. I have provided them proof from the collector, that this will be deleted, yet it still remains on my credit report. Equifax claims they have investigated this but can provide no proof of any such investigation actually occurred. All the evidences shows this should have been deleted a very long time ago.
Consumer complaint received 2017-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

In XX/XX/2008 I attended a trade school at the XXXX The original tuition to attend school there was around {$20000.00}. I took out the cost of the tuition from XXXX now known as Navient. After I had graduated I had difficulty earning money due to harsh economic times and a difficult job market. After speaking with XXXX they gave me the option for forbearance. After more years of struggling the interest on this loan has gone far beyond the principle balance to more than double at around {$54000.00}. I have spent the last XXXX years going back to school to earn a XXXX at XXXX solely so that I might be able to pay back this loan. From reports that I have heard about on the news, It has come to my attention that given my circumstances, this accruing this much interest could have been avoided but due to XXXX/Navient 's deceptive practices I am currently in the situation that I am now. I am filing this complaint in hopes that some sort of resolution can be made.