davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I graduated with a large amount of student loan debt from XXXX XXXX in XXXX, MA in 2009. Since graduation I have put my private loans in deferment and paid interest only payments for the past 6 years. Now, Navient is requesting that I pay {$1500.00} a month to pay off the rest of the loan. I told their customer service department I could not afford and they said well you can pay an extended payment rate of {$850.00}. I asked if the payment could be further lowered where I have spoken to several representatives. They first told me that I could do the {$850.00} payment only and nothing lower, then told me that might co-signer on XXXX of the loans would also need to call in for approval. When I called back they said that I made too much money to have the terms extended and that my basic life necessities left me with about {$1700.00} a month to work with, but their math only took very basic necessities into consideration. They said that their is now an approval process to lower my payment to {$850.00} but that I will almost certainly be denied, given how much I make. Given that my work is in freelance film and television production, I have to keep some amount of savings because while I work steadily there are times of the year I can not work. I have offered Navient a couple of times now a reasonable amount I can pay and they will not accept anything but the {$1500.00} a month, which roughly half of my paycheck every month. I am willing to pay them and I want to make a reasonable monthly payment but they told me that the only way I would have more options to repay my loan is if I went delinquent on my payments, which is something I do not want to do. I do not understand why they would want to make the situation more difficult and not try to work out a reasonable plan. I am at a loss for what to do about this.
Consumer complaint received 2016-12-18
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: DRS Financial LLC (OH)

yes on XXXX a company called XXXX gave us a XXXX???? over the months we never got any bills monthly for the device. than all of a suden out of the blue.in XX/XX/XXXX we got a bill for XXXX????? dont think its right what they did.i contacted XXXX.left few voicemails stating we will not pay the whole amount of XXXX??? because they did not give us monthly bills at all????? i also left message with XXXX too pick up the machine???? they did not pick it up yet???? i also contacted the XXXX about this problem??? told XXXX about how XXXX contacted XXXX in XXXX nj????? XXXX said they would contact XXXX too see if they would lowere the amount out of a courtesy thing???? never heard back from XXXX??? all XXXX did was sewnd the new bill of XXXX???? all i want is for them too at least out of courtesy lower bill too XXXX???? thats all we can pay.my moms XXXX years old XXXX.has XXXX too.im her son XXXX too her.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Hello, I have been disputing the items which I would like to have removed from my Equifax credit report. I filed a complaint before and their response was that my work looked as if a credit repair company wrote the information. The information is written in black and white on my credit report. All I did was copy it and paste it on to the website. This type of shortness dismissal of hard working individuals is ludicrous and is not serving the public correctly. I did not use any form or verbiage from any agency.. This is just me. Writing and gathering information so that the credit bureaus could dismiss me and put me in a category without giving me a chance to explain myself. The CFPB is supposed to protect us, the citizens, from the credit bureaus who report inaccurate information.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

In XX/XX/XXXX I had a Deed in Lieu when my husband became a XXXX veteran ( as of now we are both XXXX veterans ). Equifax was not correctly reporting the information, they were showing missed payments past when the DIL was accepted. In XX/XX/XXXX I submitted a dispute because they were still reporting incorrectly. The date of last activity changed to XX/XX/XXXX when I pointed out their error. In XX/XX/XXXX XXXX XXXX sent them a notice showing the account was closed in XX/XX/XXXX. Thus, my last activity was changed to XX/XX/XXXX. Now my deed in lieu, which has had zero actual account activity since XX/XX/XXXX has an active date of XX/XX/XXXX, therefore, I can not acquire a mortgage loan ( Banks use a computer underwriter that picks up the last activity date ). Equifax is still punishing me from something that happened in XX/XX/XXXX, and stating it will be on my credit for 7 more years, even though I have not done anything with the account other than show them their own errors. The DIL and loan number are shown correctly on my husband 's Equifax report. How am I to ever be able to correct my credit if I am to be forever punished for something from XX/XX/XXXX? How are consumers to correct an error by a credit reporting agency if it then makes the account active again? This type of reaging is an unfair practice.
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

I never lived at XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX.I also never at XXXX XXXX XXXX XXXX , XXXX. I went through bankruptcy because my neighbor XXXX XXXX stole XXXX of my credit cards wend I was in the hospital. he lived at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. He threaten me and forced me to file for bankruptcy. He filed for the bankruptcy and pay for it. Now its destroying my credit. Before that I had unbelievable fantastic credit.XXXX XXXX
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

I properly disputed invalid data at least four times and Equifax continues to reinsert this invalid data after deleting without notice. 

After this, I disputed directly with Equifax the FCRA 611 ( a ) ( 5 ) ( B ) reinsertion with no notification violation and the FCRA 611 ( a ) ( 5 ) ( C ) their inability to maintain reasonable procedures designed to prevent the reappearance violation. Equifax responded ( XXXX ) the address was not reporting. 

I 've subsequently disputed this invalid data 6 times. Equifax continues to reinsert it with willful intent despite my attempts to have it excluded. It continues to appear in my consumer file.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (IL)

This happens REPEATEDLY. Discover shows a current balance online that does n't reconcile with the information for the account. Amounts that were in the " pending charges '' section disappear and get added to the current balance WITHOUT placing them into the " posted activity '' section. Therefore, when I log into check my activity, it does NOT reconcile. I have to call customer service, and they read from THEIR screen, the charges that they have made disappear from my screen when I am logged into my account. I do remember the accounts, but this is not how to do business. If they know the amounts so that they place them into the current balance, then they should be able to add them to the posted transactions section so consumers can see it on their accounts. Not to do so amounts to fraud, as far as I am concerned. As I said, this happens FREQUENTLY with Discover. It is wrong, deceptive and misleading. They need to add charges to posted activity if they are going to list them as current balances. Please investigate this and let me know why they are doing this.
Consumer complaint received 2016-08-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: DISCOVER BANK (IL)

On XXXX XXXX, XXXX, I received a wage deduction summons from the XXXX Court of XXXX County IL for a debt to Discover Bank in the amount of {$9700.00} plus cost for a total balance of {$15000.00}. 

I do not owe this debt as it is not my debt. My mother, XXXX XXXX was the primary account holder for the Discover account. I was merely an authorized user on the account. My mother filed bankruptcy in XXXX XXXX and Discover was listed among her creditors with an amount owed as {$9100.00} In XXXX XXXX, this debt was discharged. Please see attached documentation. Discover is illegally trying to collect on a debt that I do not owe. This is an unethical practice. Any assistance the CFPB can provide in this matter would be greatly appreciated.
Consumer complaint received 2015-04-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (FL)

Hello, my name is XXXX XXXX and I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt ( XXXX XXXX, Discover Bank ) of a small house in the country. The only major problem I have with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt '', XXXX XXXX XXXX to be exact. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan and I was denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing the best that I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do not believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate, the proof is there. I have contacted the other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.
Consumer complaint received 2016-10-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (IN)

Discover has repeatedly violated and presently routinely violates Indiana and the Federal Fair Debt Collection Practices Acts by : 1. calling right at ( XXXX ) or after XXXX. 
2. calling at my work phone/phone numbers which I have informed them is an inconvenient number to call me at. 
3. refusing to communicate with me via method most convenient for me ( email ). 
4. failing to notify me that any information is used for purposes of collecting a debt. 
5. using deceptive acts to collect a debt ( using false numbers/ghost numbers to contact me ). 
6. harassing me and threatening illegal collections practices. 
7. harassing me calling me at times over 50 times a day. 

XXXX has repeatedly failed to work with me in good faith so that I can me meaningful, and regular payments to pay down my loans. 

Discover has set up a system characterized by subterfuge and chicanery such that the put their student loan debtors in a catch XXXX situation where they are unable to make full payments and unable to escape Discover being the creditor. Discover has unilaterally set out to ruin my credit and keep me within their system of ineffectual " payment options '' which only results in growing the debt for Discover and further ruining my credit. Discover has modified the promissory note and offered a reduced payment option based on my income then arbitrarily and capriciously refused to accept the reduced payments. Despite me not being able to make their excessive monthly payments based on my salary Discover has failed to work in good faith with me to keep my loans current. Instead, not accepting the payments I could make as full monthly payments, Discover aggressively, maliciously, wantonly, willfully, and intentionally made negative reports on my credit history. As a result when I have tried to consolidate my loans through Discover and/or other institutions I have been invariably denied. Discover has created a system where it keeps its debtors financially disenfranchised and works to only increase the debt they own. 

Discover most recently in XXXX of 2016 fraudulently induced me to enter into a repayment plan to bring my loan " current '' with the promise of consolidation ; however after accepting 3 monthly payments from me, Discover failed to consolidate my loans ( all of which they own ) via its own consolidation department due to a poor credit score -- a credit score which they themselves have created due to their failure to work with me. Throughout this timeframe, Discover continued to make negative credit reports to my credit history.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (GA)

I opened a dispute with Discover Card because I was over charged by XXXX Moving Truck company for gas along with an invalid late fee for car trailer return. I provided Discover with the receipt for filling the gas tank at the station across the street right before the return, along with the return information for the car trailer. After Discover did what they claimed was their " investigation, '' which was nothing more than obtaining a falsified document, which was signed by XXXX of XXXX 's employees, the dispute was ruled in XXXX 's favor. I then informed Discover that the signature on the document provided to them was not mine, I also pointed out that I was only obligated to fill the tank up to where it was when I received the truck, which was documented on my sign out invoice, but instead I filled the tank to full, Discover reopened the dispute. In the meantime I called XXXX in objection to their employee signing their name on the customer portion of the document that they sent to Discover, they agreed that it was inappropriate and looked into the matter further. When they got back to me, they apologized and said they would credit my account for {$150.00} which included the {$73.00} disputed amount, plus an extra amount for my inconvenience. I informed Discover of the outcome. After XXXX credited back my account and everything was settled, Discover still had my account notated as the dispute being resolved in XXXX 's favor and the charge as being valid. When I called to make them aware of this misinformation, I was told that there was nothing they could do about it because the information was pre-printed. I asked that it be manually overridden so it would be reflected on my account accurately. After going back and forth trying to get the information corrected, I called the executive office and spoke with XXXX XXXX, which also resulted in no correction on my account. This company 's inability to document correct information is unacceptable and this level of complacency, incompetence and mediocrity is appalling. My account needs to be documented correctly to reflect the correct information. The employees at this company just throwing their hands up and saying there 's nothing we can do because something is pre-printed is ridiculous and I would like my account corrected properly.
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. (CT)

I made payments XX/XX/XXXX & XX/XX/XXXX. When i checked my account from Navient i can not see the two payments in the account summary which i always check everytime i make payment. I send them an e-mail and question why i did not see those payment but they gave me an answer like they put it as a refund ( do n't know what it means ) I did n't receive any refund check. Then they told me to skip XX/XX/XXXX which i did. When i paid XX/XX/XXXX the same thing happened it did not appear in my account summary, instead it appears that I am delinquent. I called and ask but no clear answer to my question. On XX/XX/XXXX i am due my payment but i feel like not making another payment until the issue is resolved, on the other hand i do not want to be delinquent. All payments are done online. I am the parent and this is my Parent Plus Loan for my XXXX boys. XXXX graduated XX/XX/XXXX and XXXX graduating XX/XX/XXXX.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

Navient took over a false parent plus loan from XXXX, which XXXX applied for in my name after I was denied without my permission and/or authority. In speaking with XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which Navient and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (WA)

I trusted Marcus with the {$360000.00} in savings to buy a home. 

They've held my funds XXXX for more than a week and I am at great risk of loosing the house from inability to close. 

I've have been requesting a wire transfer from Marcus since XX/XX/XXXX, and it's now after hours on XX/XX/XXXX, I'm still waiting. I've been calling every day and they can only tell me it's pending or run me through a few more hurdles of verification steps. 

I've done more than half a dozen iterations of security verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've spent nearly a dozen phone calls and almost XXXX on the phone ; I'm currently on hold again with them again, XXXX XXXX  and counting. 

It seems like they are deliberately holding my funds hostage. 

They said if I was to cancel my account it would take them longer, so I just need to keep going through this waiting game on their authorization of a wire transfer. 

8 days and counting...
Consumer complaint received 2016-04-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: LendUp Loans LLC (MN)

I am a victim of identity theft and someone stole my identity and personal information to apply for a loan with Lend Up. The loan account was an unauthorized and fraudulent account. I never applied for a loan with Lend Up. I filed a police report with XXXX XXXX Police Department. The police report case number is : XXXX
Consumer complaint received 2015-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc (WA)

I lived in an apartment for 3 years, noone did a walk through when I moved in, and the XXXX managemant company to take over the apartments just 60 days or so before I vacated wants to hold me to the terms of a lease I never signed. The XXXX in XXXX, WA representing the XXXX in XXXX, WA. Despite repeated attempts to contact them regarding this unfair charge, they sent me to collections for charges I do not legally owe. and ignored my XX/XX/2015 email asking for the charges to be corrected.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXX XXXX XXXXXXXX -Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX -Inquiry date : XX/XX/XXXX XXXX XXXX -Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2015-08-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (CA)

I have XXXX. I have been in school. This month i get a doctors bill from XXXX 60 days over due. Someone steals my bank card for my bank. Now my credit card keeps going up even though im making the minimum payments. This is sick. This is criminal. My discover card was under XXXX two days ago. Im making no charges on it and now it is over and i think it is to stop me from continuing to publish myself as XXXX. I have the right to do what i want and to fight fir my career. I am not going to be a XXXX or work with XXXX. I am now one class short of a degree in XXXX and i want to be XXXX and XXXX using insurance as an excuse when i was XXXX for fove years is wrong. So is my credit card company and XXXX squeezing me dry. Im not crazy. This bullying is. Im not a loser. I will not be pushed down and told i cant be XXXX. That is what im trained to be. My education is XXXX.
Consumer complaint received 2015-09-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (UT)

I bought a house using XXXX home loans and closed in XXXX 2015. A couple of weeks later my mortgage was sold to US Bank. The date of the transfer from one to the other was XXXX XXXX. 
I made my mortgage payment on XXXX XXXX 2015, of {$1700.00} to XXXX XXXX XXXX ( before my mortgage switched to US Bank ). Since the take over US Bank has said that I still owe the payment due XXXX XXXX, and XXXX XXXX Loans, say that I have paid it and they are wrong. I have made 4 calls and spent time trying to find where this missing payment that these companies can not figure out. 
So now I have become a middle man between XXXX multi-XXXX dollar companies to resolve a payment. I do not owe US Bank a payment until XXXX XXXX 2015.