davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MI)

I suffered a XXXX 8 yrs ago and requested a XXXX discharge from my student debts. Due to an error in the national student debt database, my request was denied. Representatives at the Dept of Ed and Nelnet have explained the root of the data error, but each one has claimed to lack the authority or ability to correct it. Their inaction has cost me $ XXXX+ so far, and I have 13 years left on my loan. 

The representatives say that, when I consolidated my loans with my husband 's, the lump sum was entered into the national database under his name, and my loans were inaccurately marked as " paid in full '' rather than " transferred '' or " consolidated ''. Somehow, when monthly payments are due, the Accounts Payable Dept at Nelnet is still able to track my liability for the consolidated debt. When I request relief, however, the Debt Discharge Dept contends I have no debt from which to be discharged. 

The representatives have explained that, for purposes of discharge, I need to find a member of their staff who has the authority and ability to override the error in the database and recognize the portion of the debt that originated with me. XXXX Dept of Ed Ombudsmen and several Nelnet representatives all claim to lack the authority or ability to execute corrective measures. 

My husband and I have submitted applications for relief due to disability and hardship, on behalf of each of us as individuals and as a couple, to Nelnet and to the Dept of Ed. We 've participated in XXXX appeals through Dept of Ed Ombudsmen, and even though the US Dept of Civil Rights has a webpage dedicated to this issue, our Complaint was rejected based on " lack of jurisdiction ''. 

Where do we turn next? 

We 've been fortunate through all of this, to be able to continue to raise our children and pay our medical bills ; but we had to sell our home of 15 yrs, and our savings are gone. Miraculously, I have healed so substantially that I was able to go back to work this year. Please help me resolve this issue so, at XXXX yrs old, I can gain financial stability and have a fresh start at my new life.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BYL Collection Services (IL)

This debt is ruining my life!!!!! In the past, I was denied housing with my spouse because of these people, and the debt is for {$9000.00}!!!! We are on a fixed income, and in no way, shape, or form afford that! These people are liars!!!!! They kept jacking up my rent without notifying me about it!!!! They lied!!! I now live with my spouse, however this still needs to be taken care of!
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Colony Brands, Inc. (GA)

I received a credit offer from Seventh Avenue. I got behind on my payments and I faxed them a letter and mailed them a letter on the XXXX/XXXX/2015 requesting a repayment plan. As of today I have not received a letter from them.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IN)

I have been trying to get an income based repayment plan with Navient for months because I am at my annual renewal point. Every year I go through the same fiasco, it takes months and then they finally tell me I owe nothing for 1 year. Some years they tell me I need to send my husband 's income information becausr we file joint income taxes and other years they tell me they do n't need it because he did n't co-sign my loans nor does he have any student loans.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (NJ)

While in XXXX college I decided to move on an pursue a degree at a XXXX college and decided to look out of state. After applying and getting into XXXX XXXX XXXX, I worried about the cost of attendance and wondered how I could pay for this. My parents who at the time were supporting XXXX children with only XXXX income decided to send me to college, but looked into federal loan options to help me. After finding out that the federal loan system would give me less the a fraction of the tuition ( even though my parents did not make sufficient enough money to support our family and send me to school ) so I had no choice but to look into private loans. I was completely incompetent with regards to any financial literacy and Sallie Mae took direct advantage of that by assuring me and my parents that the loan would be easily repayable and that there were repayment options. They also denied my parents as co-signers and made me look to other immediate family. Now after graduation I am in over XXXX dollars of debt with over XXXX in interest because of the ridiculous rates and I only make about XXXX of the total in salary every year. I also have XXXX in federal debts and have filed for repayment programs to assist me in this crisis. Looking back on the experience, I was persuaded into accepting a ridiculous loan that in the end was a terrible investment because the education I received was EXTREMELY poor for the cost. I would have never even considered this loan had I had not been to young and nave to realize what a dangerous mistake this was, but the company took complete advantage of the fact that the material was so new and confusing. Terrible education should not cost that of a mortgage and because of this reality the education system has truly failed students looking for a better future.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I am one of the many borrowers that has my loan serviced by Navient. When I tried to arrange for a more affordable payment, I was forced into forbearance ( multiple times ), this year I paid basically nothing in principal and about {$3000.00} in interest! I did not fully understand how much I had been taken advantage of until I got my XXXX!
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Solidus Group LLC. (VA)

I received a phone call from ( XXXX ), which claimed it was collecting {$1200.00} on behalf of XXXX XXXX. I contacted XXXX, who said there was no such debt, and warned me to not pay.
Consumer complaint received 2016-02-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

Fair debt collect practices, the company Navient has abused several articles by contacting several people outside of the persons on the account in attempts of collection. I filed for forbearance in XXXX of XXXX and was granted until XXXX of XXXX but they have constantly been calling members of my family and friends that I do n't know how they got their phone numbers and information because my name and mothers name are the only ones on the loans. And the practices calling and telling people that it is a emergency that they speak with after my forbearance was approved there was not need to speak with them. But just practices of attempting to collect on the debt are not within the rules of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

XXXX is reporting XXXX student loans on my credit report with inaccurate information that is damaging my credit score. The late payments below are not correct. 

XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXXXXXX 90 days past due as of XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXXXX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my first dispute to them.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

I 'm in forebareance and want to sign up for XXXX, because I consolidated and it includes a plus loan Navient says I do n't qualify for program. Once forbearance ends my payment will be XXXX or more per month and I 'm retired and on social security.
Consumer complaint received 2016-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MA)

Calls my house under a " spoofed '' number, hangs up, calls back and threatens to sue me If i do n't pay a debt that I do n't owe. Have told them to Cease and Desist all contact.
Consumer complaint received 2017-03-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sessoms & Rogers, P.A. (NC)

I sent the the attorneys, Sessoms & Rogers, PA, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (TX)

I have an account negatively reporting on my credit report as EOS CCA dated XXXX which was from an original creditor XXXX XXXX XXXX from XXXX XXXX. I would like this to be taken care of. I 've disputed this and they did nothing
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NY)

On XXXX, I did a balance transfer of {$15000.00} online using my credit card on Citibank website for a {$450.00} fee. However, on XX/XX/XXXX, the full balance plus interest was paid off automatically instead of just the minimum due being paid. The amount was paid off from another bank account. Even though the amount was bounced due to insufficient fund, Citibank tried multiple times to withdraw the fund in the next few days and overdraft fees were charged multiple times. I realized about the error and called Citibank on around XXXX XXXX and they promised to provide me an adjustment within a few days. I did n't hear anything and called back on XX/XX/XXXX, the representative promised to refund the money within 10 days and sent me an email for record. I did n't receive the refund after 10 days and called back on XX/XX/XXXX and on spoke with Customer ID XX/XX/XXXX, she says that I 'll get a refund in XXXX business days. After not hearing anything a few days, I called again sometime in XX/XX/XXXX and got the same response. I called again on XX/XX/XXXX asking to be transferred to a supervisor and the supervisor mentioned that the money will be in my account by XX/XX/XXXX. Currently I still have not received the refund and it has been 2 months. I would like to make a complaint and hope to get this issue resolved. Thank you.
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (FL)

My husband has a loan out with Mariner Finance at the XXXX, Florida branch. We are behind on this account because he was out of work for 11 weeks due to medical problems, which they are aware of. We are working on getting all of our affairs back in order but it is a long process. My name is no where on the loan with him i am only down as a reference for him with my cell phone number listed as my contact information, however XXXX XXXX, an employee there has been told at the minimum of five times not to call my place of employment. They have continued to call my place of employment after my boss, several other employees, and i myself have told them not to call my place of employment. I called them back today XXXX/XXXX/2016 to speak to the manager XXXX XXXX about the situation of them calling repeatedly after being asked not to, she said that it was never notated in the account and was VERY rude to me about the situation when the loan does n't even belong to me, I am only a reference on the account. This is not good collection practices and certaintly needs to be addressed!. Thank you
Consumer complaint received 2016-03-19
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ditech Financial LLC (IN)

We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with XXXX XXXX XXXX ; we recently received communication from Ditech that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both XXXX and another agent that had purchased the account, XXXX XXXX XXXX.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$670.00} has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy.

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furmish a account without my written instructions.
Consumer complaint received 2015-12-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation (NY)

XX/XX/2015, I used the Commuter Check Card from ADP to buy the monthly XXXX subway card. The pre-tax benefit amount of {$110.00} was deducted but did n't get added to the subway card. Upon extensive correspondence with XXXX, they informed the said amount was refunded to ADP. ADP initially said they did not get any refund on the card and on sending XXXX 's response letter and refund confirmation to ADP, they stopped responding and still have not issued the refund.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

There should never be any medical bills on my credit report I disputed this with all XXXX credit reporting angecies back in XXXX I am a XXXX permanent and XXXX vet, I see XXXX medical related charges on my report 1. Money recovery acct # XXXX for XXXX 2. Merchants and medical acct # XXXX for XXXX 3. XXXX XXXX. If any XXXX try to put any medical bills on my report there should be an immediate alert because all medical facilities in Michigan that handle veterans should contact XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX and speak to XXXX XXXX I spoke to him on XXXX and he said none of these facilities have contacted him about these accounts. I will send you my total and permanent award letter dated all the way back from XXXX and the credit report entries. I will also send you some bills in the past that the va has paid on my behalf.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

XXXX, This account : 1. Is missing its balance history for the duration of the time the account has been open 2. Is missing Payment Data for XXXX, and XXXX of 2015 when this account had Payments ( Hence the open never late status ) 3. The recent Payment Amount is = XXXX, and should not be. 
4. Has erroneous comments added - to this and almost all of my accounts. 
Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XXXX 2015.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

Recently I complained about XXXX XXXX XXXX wrongly reporting an issue that has been solved years ago, so I contacted this office, after the investigation XXXX XXXX corrected my credit information, thus my credit score, Equifax did the same, but few days latter Equifax went back to the old numbers, saying that they are still investigating.My question is, if XXXX XXXX accepted my explanation and their investigation proved that I was right, how come Equifax is not accepting the same explanation, more over, correcting my score then rolling back again.Please help. Thank you.PS. I do n't know how to attach documents, such as letter from XXXX XXXX, unless I can mail it.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I paid my XXXX bill and I was never 30 days late I called XXXX and they put in a dispute but I never heard back from them until a few day ago they took off the late fee. Because they could see I made the payment enclosed is a copy of the payment I made from my bank. This needs to be changed to current never late.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

Equifax is reporting a collection account from XXXX ( original creditor XXXX ) in the amount of {$84.00} ; I have never had any kind of XXXX from XXXX and, to my knowledge, do not owe this debt ; I disputed the account with all XXXX credit reporting agencies and the account was removed by XXXX and XXXX, but continues to be reported by Equifax.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that i have disputed. please resolve this manner as soon as possible.
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WI)

I was informed by US Bank Home Mortgage that an escrow analysis was completed on my mortgage account in XXXX 2016 and that there was an overage in my escrow account ; I was owed {$330.00}. I have no record of receiving such an escrow refund check. I contacted US Bank Home Mortgage customer service. I was informed that in order to receive the money owed to me, they would withhold {$15.00} as a fee to issue another check. They explained to me that they have record of placing the check in the mail. However, I do not have record of receiving it, nor do they have any evidence of me receiving it. I escalated this to their customer advocacy group without success. They mailed me a check for {$320.00} ( minus the {$15.00} ). It frustrates me that the bank believes that they have no responsibility to return the money owed to me apart from dropping it in the mail. Turn the tables, imagine if a mortgage payment was lost in the mail ; I doubt US Bank would let me charge them {$15.00} to reissue another payment. I have been a long time customer and am discouraged that the bank would go to such great lengths to withhold {$15.00} from a customer.