davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

After I have spoken to them, or my father has spoken to then because the also call his phone about the debt, they still call at least 5 times a day. Even when payments have been made. Even when I personally have discussed payment options with them. No matter what I receive at least 5 phone calls a day, including weekends. If I ignored a particular number, they will call from several different ones and use the alternative numbers to call me 5 times a day. 

They call my father and demand he pay more than he can or threaten other case action when he does n't give the response the want. Some agents are very nasty.
Consumer complaint received 2016-05-17
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)

XXXX shows me still on this loan. I was removed from it in XXXX, 2015. I originally co-signed my nephew 's student loans to attend XXXX XXXX XXXX, but assumed full responsibility for his loans one year ago.
Consumer complaint received 2017-02-28
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)

Good afternoon, For several years ( since XX/XX/2008 ) I have been having trouble with my student loans. During my divorce our combined student loans ( mine from XXXX, XXXX and his from XXXX, XXXX ) were " ordered '' to be paid by my ex husband and I took other debt to equal things out. Since that time the debt has remained on my credit and despite court documents saying that I am not supposed to have to pay this back, it remains in my name and on my credit report. Navient ( the loan was formerly with XXXX ) indicated that since it was a federal loan the states decision that it was not my burden any more did not affect them. Quite frankly this does not seem right. This has impacted my ability to buy a house, retain credit, and shortly will impede my ability to get financial assistance to send my children to XXXX. To make matter worse my ex husband has not made a payment on the loan since our divorce and the amount is now almost doubled. There has got to be a way to relieve me ( and my children ) from this burden. I have tried all that I can think of and now I am hoping I can get some assistance from someone in government. I have to believe I am not the only person in this country that is affected by such things and if I can help others while helping my family by bringing this to the attention of the government, that would be even better. 
Can you let me know where I would take this issue to seek assistance? 
Thank you.
Consumer complaint received 2016-10-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (CA)

I am writing about the company Rise Credit. I recently changed my bank account but emailed them all my information so they can process my payment through there. My balance is {$4000.00}. 1 payment got returned because they took it out from the old account. They charged me for it and i saw that my balance is {$4300.00}. I emailed them my new account to process my payments there which they replied back to confirm they 've received it. But they said it was return again today XX/XX/2016. Now i saw that my balance is {$4600.00} My initial balance was {$2600.00} but they re-financed me knowing I still have an ongoing loan on them which California law say they they can not offer additional loan if there is still existing one but my mistake is that I took it. I already paid almost {$4000.00} for my initial loan of {$2600.00}. But nothing went to the principal balance. California law say that return check should be charge for {$15.00} only but they charged me for {$670.00} for it.
Consumer complaint received 2015-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

In XXXX 2014, we bought a TV from Conns XXXX with an offer of 0 % interest if we paid in 24 payments ( months ). We divided the total amount including insurance into equal payments which we automatically paid off in 6months ( XXXX 2014 ). A year later, we received a non-dated letter offering us an increase in credit line because of our " positive payment history ''. At the same time the letter shows a current balance of # XXXX. So we called the company to find out what was going on. The customer service agent said to ignore it if it did not have an account number. It was a way for them to market their products. Our deal with them was over a year ago. However, right after our call, their collection department started calling us and leaving urgent messages. We called again and they said we owe them {$24.00} insurance. We said we do not have the paperwork that is already old and for us paid off. We asked for a written correspondence with explanation of this amount. It has been 3 weeks since we asked for this and nothing came in the mail. 
Starting on XXXX XXXX their collection Department put our home number and a mobile phone on a 2 hour robocalls and we have been receiving those calls from about XXXX in the XXXX till XXXX in the XXXX. 
We attempted to block the numbers but they kept changing numbers. We are now at XXXX local numbers and XXXX XXXX number. 
We appreciate any help you can provide and advice for the next step to stop this merchant from harassing us. 
Respectfully.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL (IL)

I had a Walmart store credit card until several months ago, Synchrony Bank upgraded my account to a Walmart MasterCard and transferred over my balance. Out of habit, I paid my bill through my bank 's bill pay and paid to my old account. When I realized what I had done, I requested a refund and submitted payment to the correct account. I received my refund check and deposited it. Shortly after, I checked my Walmart account online and saw they had taken the payment from the old account, sent it to the new, and I now have incurred a balance on my closed account. I try repeatedly to pay it off but it still goes to my new account, leaving me with this balance and interest charges each month. I have phoned them, left online messages, and have gone through an account investigation with them with no resolution and am worried about my credit.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 21ST MORTGAGE CORP. (FL)

I contacted my mortgage loan servicer, 21ST MORTGAGE, to request a courtesy reversal of the late payment reporting in XXXX as I suffered from a XXXX in late XXXX that kept me out of work for almost three weeks, which is why my car note was late in XXXX. After suffering this loss, I expected the company to have some kind of compassion in regards to the American disability act, seeing that XXXX is considered a temporary XXXX. I can provide documentation if necessary.
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NY)

This debt showed up on my credit report without contacting me about it or anything. I have no idea who owns the debt, and the company in question are tarnishing my credit report for no good reason.
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

My macy 's credit was misused on XXXX XXXX, 2015. There were XXXX fraud charges : {$1.00}, XXXX & {$2700.00}. Those charges were made outside of XXXX. I was notified by Macy 's consumers protection on XXXX XXXX, 2015 and I immediately denied those charges. Then, I received a form called " statement of fraud '' from Macy 's Investigation Department by asking me to fill it out. I filled out the form and mailed it on XXXX XXXX. I also filed a police report at XXXX XXXX, XXXX where I resides. On XXXX XXXX, I received a letter from Fraud Investigation Department that they received my statement of fraud and it will take 60 days to resolve the issue. However, on XXXX XXXX, I received a letter that stated that my statement of fraud was not received by Macy 's Fraud Investigation Department and I will be responsible for those charges. After that letter, I made several calls and found out that my claim was denied due to lack of document and my claim was closed. I was shocked because it is not what it said in XXXX XXXX, 2015 letter. I even questioned how this investigation was carried out because I was a long time loyal customer of Macy 's and I have never bought anything beyond {$300.00} at Macy 's. Second, all my purchases are in XXXX and those fraud charges are in XXXX and XXXX. Those facts are very obvious that I am not the one who made those purchases. 

After several calls, Macy 's Fraud Investigation Department is sending another statement of fraud by asking me to fill out again since my first claim was denied and closed. I really doubt that whoever did the investigation for my claim just did NOT use the common sense to investigate. Everytime I called to Fraud Investigation Department, I was talking to a different person. It is very frustrated and very painful process because I had to explain my situation again and again to a person whoever came to answer my call. It seems to me that even the manager at Fraud Investigation Department that I spoke to, she did n't know what document that I needed to provide when I asked her. She made a lie that she will call me back the next day and she never call back.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MA)

I was notified of the a XXXX rewards card opened in my name on XXXX XXXX, 2017, via a letter in the mail. I did not apply for this card, and was told to contact XXXX. I did on XXXX/XXXX/17 and received file # XXXX. 

Then I was notified a few days later of a car - purchased in my name in XXXX XXXX, CA. I am a Massachusetts resident. I placed a fraud alert on my credit on this day. ) XXXX/XXXX/17. Since then I was contacted by XXXX XXXX - a fraud investigator for XXXX XXXX. He told me that there are at least XXXX inquiries open on my credit since XXXX XXXX 2017. Including personal loans, and a XXXX card with {$3500.00} credit limit. 

I have requested a copy of my credit report - XXXX. Which should be mailed to me in the next 7-10 business days. 

I have opened a police report with the local authorities. 

Are there additional steps that I can take? 

Thank you.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

See attachments. 

Experian does not have the proof document. They are using tactics to defer and delay. 
They have my personal proof of ID on file. We went over this many times. 
Why are they allowed this? 
Who can I seek out to get help?
Consumer complaint received 2020-04-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

About 2 years ago the bureaus dropped my credit score from about XXXX to the low XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NE)

Reported yes. Final response, no. Even though XXXX and XXXX XXXX have me reported normally, Equifax has my information combined with another person. When I called them on this they were not willing to help rather told me I was at fault for not checking in with them XXXX a year. In the end, their only solution was that I " register '' with them and have my credit re-reported to them. In addition, they have put it on me to contact the other party to make sure they contact Equifax to verify their credit information. 
Needless to say, it has been more than a headache.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (ID)

I attended a session because I want to purchase a home. The HUD certified counselor pulled my credit report and discovered that my father 's credit accounts were reported in my credit report. My father and I share the same name ( Father : XXXX XXXX XXXX. Son : XXXX XXXX XXXX ) but our date of birth are different as well as our social security number. The counselor assisted me with preparing the documents to dispute the accounts. I received a letter from Equifax stating that the accounts could not be deleted. I have uploaded my credit report and highlighter the incorrect information.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (MN)

On Tuesday, XX/XX/2016 I logged into my account to review and went to the Activity & Statements page. The page read the following : Last Statement Balance : {$120.00} Payments and Credits : + {$0.00} Transactions : + {$63.00} Current Balance : {$190.00} If you do the math, that is incorrect. {$120.00} + XXXX = {$180.00} and not the {$190.00} they are saying. Discover is trying to illegally take additional money from me that I have not authorized.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

I have an address added to my XXXX report at which I have never lived. It is concerning to me, as I have not applied for any new debt, etc. XXXX said I would need to write a letter to dispute the information and change my personal information, which does not make sense, as I highly doubt the person making the initial change went through the same steps. They also would not review the information unless I paid them a fee. I am also concerned of possible idenitity theft, but was told it " must be '' from a credit card or loan I already have, as there were no new inquiries.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Stellar Recovery, Inc. (AZ)

I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged.
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (OH)

XXXX XXXX continues to claim that I owe money for an account that was never mine. The same debt has been added to my credit report in collections for the third time. I have cleared the issue with XXXX XXXX twice and it was erased, but has somehow returned.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2015-11-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (FL)

On XXXX/XXXX/2015 I made a deposit of {$100.00} into BB & T bank. Which at that time brought my account to a total of {$95.00}. Also on that same date there was a charge of {$28.00} and {$36.00} ( Over Draft Fee ). The reason for the fee according to BB & T is that they had to separate {$100.00} from my account to pay for a ATM with draw that did not happen till XXXX/XXXX/2015. By doing this they Over Drafted my account. And because of this, it caused a Dominions affect on my account where I have charged a total of {$320.00} in NFS fees.
Consumer complaint received 2016-09-23
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I was contacted by a company called XXXX XXXX XXXX regarding a payday loan from 2013. This company had personal information that led me to believe that a debt actually existed. They stated that unless I paid the amount immediately by XXXX that a warrant would be issued for my arrest w/ a bond of {$6000.00}. I sent the XXXX and called back with the reference number. While on hold, I searched the company name online and discovered that it was a scam, but too late to prevent the transfer of funds. I was sent an " Exoneration Letter '' rather than a Release which further indicates that it was actually a scam.
Consumer complaint received 2017-05-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (MD)

Since XXXX I have been getting wrongfully denied mortgage assistance thru FHA HAMP modification program and Partial Claim. My husband XXXX is Veteran who is XXXX and receiving no income. We receive help from our daughter who is a non-borrower contributor and tenant along with my brother who is a tenant as well and pay rent. Our income as a household is sufficient for an FHA HAMP modification, in fact, according to Mortgagee Letter XXXX specifically elimination of the Back end DTI ratio and expansion to Partial claim/combo and with Supplemental directive XXXX enables BB & T to approve my loan into TPP payments prior to XXXX, XXXX. I have been getting wrongfully denied since XXXX and again now recently. My lender denial reason this time was not enough income where FHA eliminated the DTI of 55 % since XXXX XXXX, see attached Mortgagee letter XXXX effective now. ALL FHA servicers participating in HAMP, must adhere to FHA mortgagee letter 's. This letter also allows for a Partial claim, I am REQUESTING THE MAXIMUM PARTIAL CLAIM AND FHA HAMP PROGRAM. PRESENTLY, MY APPEAL OF BB & T WRONGFUL HAMP DENIAL IS UNDER REVIEW AND I AM ATTACHING THE SUPPORTING DOCUMENTS FOR MY CLAIM. MY LENDER HAS COMMITTED DUAL-TRACKING AND I HAVE A MEDIATION HEARING TOMORROW XXXX/XXXX/XXXX IN WHICH MY HUSBAND AND I WILL ATTEND. WE HAVE DONE NOTHING WRONG, AS SOON AS WE WENT INTO A HARDSHIP WE NOTIFIED OUR LENDER, OUR LENDER GAVE US A TEN MONTH FORBEARANCE AND THEN REFUSED TO DO ANYTHING PERMANENT. NOW I PRESENTLY HAVE A APPEAL UNDER REVIEW FOR DECLINING ME INTO FHA HAMP. HERE IS THE PROOF ATTACHED THAT PROVES I 'M ELIGIBLE AND SHOULD HAVE BEEN ACCEPTED INTO FHA HAMP WITH PARTIAL CLAIM/COMBO. HERE IS THE PROOF FROM FHA. MY LENDER AGAIN HAS BEEN DENYING AND DELAYING CONSIDERATION FOR MORTGAGE ASSISTANCE AND MISPLACING DOCUMENTS, MAKING ME RESUBMIT NEW ONES OVER AND OVER AGAIN, DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHILE HAVING A MODIFICATION APPLICATION PENDING ). BB & T DENIED ME WRONGFULLY BY STATING INSUFFICIENT CASH FLOW TO SUPPORT WORKOUT -- - MY APPLICATION INCLUDING MY DAUGTHER A NON BORROWER CONTRIBUTOR, AND MY TENANT INCOME, MY SURPLUS WAS POSITIVE {$360.00} AND ALSO ACCORDING TO MORTGAGEE LETTER XXXX ATTACHED, BACK END DEBT-TO0INCOME RATIO OF 55 % WAS ELIMINATED IN XXXX SO I WOULD BE ELIGIBLE FOR FHA HAMP. I ALSO WAS NOT EVALUATED THROUGH WATERFALL PROCESS FOR THE FHA HAMP PARTIAL CLAIM AND COMBO. SO BB & T WRONGFULLY DENIED MY FHA HAMP AND DID N'T EVALUATE FOR ALL FHA PROGRAMS THROUGH FHA WATERFALL PROCESS. NO PARTIAL CLAIM WAS EVALUATED ACCORDING TO THE ATTACHED DENIAL LETTER. I ATTACHED THEIR DENIAL AS PROOF AND I ATTACHED MORTGAGEE LETTER XXXX AND SUPPLEMENTAL DIRECTIVE XXXX. THIS PROVES THAT BB & T SINCE XXXX COULD HAVE ACCEPTED ME INTO FHA HAMP WITH PARTIAL CLAIM/COMBO, REGARDLESS OF MY BACK END DTI. THIS IS HORRIBLE MY MORTGAGE LENDER CONTINUES TO COMMIT DUAL-TRACKING AND WRONGFUL BLATANT DENIALS.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

This case was disputed but should n't have disputed this account on my credit report. I asked Equifax to remove the dispute off my credit report. But they will not remove the dispute after I have paid the account in full and in good standings. The account on my credit report is XXXX XXXX account # : XXXX