davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

For years, I 've been forced into forbearance with Navient, which, mind you, they charge you for you, about {$100.00} each time, that you have to pay that day, on the phone, as though asking for financial assistance means having those funds. Anyway, I 've never been allowed an income-based repayment plan. And currently, my student loans from Navient exceed what I borrowed ... and I have been paying on them for nearly 10 years with no relief. And this is n't the only set of loans I have. I make less money than I owe per month for my loans, and I 'm given no assistance. I can not continue to pay the forbearance fees on them, for a 3 month period, in which time I do n't magically make more money. I also feel they 've messed with my interest in some way, because how have these not gone down at all since 2009? I 've attached copies of my statements and proof of payment. But I have to say, to be charged that type of capitalized interest, offered no financial assistance to someone who needs it, and to disqualify me for an interest rate reduction ... it all makes me sick.
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: AES/PHEAA (CT)

I received another response letter in the mail from XXXX XXXX XXXX, Vice President of Loan Operation at PHEAA/Fed Loan Servicing. It is my contention that my account with Fed Loan Servicing was setup incorrectly back in XXXX/XXXX/XXXX with an option called " paid ahead status ''. This option has been removed from my account. This option caused 9 of my Public Service Loan Forgiveness monthly payments to NOT count towards the 120 needed for loan forgiveness. Also, it was a FED LOAN SERVICING employee that told me to make a telephone payment of {$190.00} which was not applied to my account, as the old servicer XXXX had already taken out the {$190.00} that was due in XXXX. The 9 payments that I am disputing were made after Fed Loan Servicing sent me incorrect monthly invoices amounts instead of the amount needed to qualify for PSLF. There is also a delinquency forebarence listed for XXXX/XXXX/XXXX. They sent me an outdated form, then Fed Loan Servicing rep helped me fill out a new form and I faxed it over, I was switched from IBR to Repaye payment plan after checking the wrong box on the new form. 

XXXX XXXX XXXX ( XXXX ) can copy and mail me the same XXXX/XXXX/XXXX letter and it will not change my opinion. The Department of Education is a predatory lender and PHEAA/Fed Loan Servicing is a predatory loan servicer. If my goal was to make 120 qualifying payments why would they setup my account with " paid ahead status '' as an option other than to keep me from making the 120 payments for loan forgiveness. There is nobody that can hold them accountable. I have filled out the CFPB complaint, contacted FSA Feedback Center for an Ombudsman, and contacted my local U.S. Senator 's office to follow my case. The PSLF program is a sham. I have been paying on my loans for 10 years, and I never had a problem with XXXX XXXX or XXXX. My problems happened right from the beginning with PHEAA/Fed Loan Servicing. This is the 3rd CFPB complaint ( see # XXXX and XXXX for further information ) that I have submitted on this issue.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Merrill Lynch lists an account by my name with an assigned number for me -- XXXX -- within my online " ML '' account summary/log/record but it 's never on my ML bank statements ... The suspicious thing : " account closed '' balance " XXXX '' since when? No check was ever sent to me for XXXX XXXX dollars : despite the several different [ real ] reasons why/how/when the account balance should be or was XXXX XXXX dollars [ US ]. There are no listings of transactions/activity or when it was allegedly closed. So? There has to be a legitimate inquiry -- investigation -- for ML to fully disclose. ML bought BOFA XXXX : Bank of America " BOFA '' then bought Merrill Lynch ... ML took over long standing BOFA accounts valued at greater than {$100000.00} and then those accounts were quickly reassigned to BOFA sans the funds exceeding the FDIC limit [ at that time ] and/or sans funds completely!? In my case : ML says completely XXXX And since when? ML does -- has refused -- not say. ML must return any/all actual account value to me : the real account balance fro XXXX must be disclosed to me and I must be allowed access to those funds and any interest earnings on the funds must be attributed to me for my use exclusively.
Consumer complaint received 2016-08-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

I monitor my credit reports weekly and found that a hard inquiry showed up on my XXXX report on XXXX/XXXX/2016. I contacted Citibank, the company that made the inquiry to find out why. I called the fraud department and spoke to XXXX, he would n't tell me his last name. I called on XXXX/XXXX/2016 about XXXX central time. Since I did n't have an account with them, they told me to disregard it. I told them I would not disregard it because it was affecting my credit and I wanted to know whether or not someone was trying to open an account in my name or if not then why they were pulling my credit. They then hung up on me.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. IN XXXX XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE FIRST PART OF XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (FL)

I have no idea what this debt of {$820.00} is. It have showed up on all three of the credit bureau as of last monnth ( XX/XX/2016 ). Initially there were XXXX accounts showing from this company. XXXX has been removed and I was advised of it the other was never responded to. This needs to be removed from the credit bureaus immediately. I refuse to pay something that does not belong to me. I am also concerned about them having my Information and I do n't know who they are.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

With the increasing awareness on tactics of predatory student loans I believe there is cause for a investigation in the student loan company ECSI. 

At XXXX XXXX XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems. 

Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day. 
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer. 
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XXXX XXXX, 2017. By delaying my payment of {$25000.00} until the XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XXXX XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely. 

After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in my payment sooner than XXXX XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online. 

Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-11-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: LOAN TO LEARN (TX)

I called this Loan to Learn this morning to inquire about a forebearance and yo discuss past due amount. They transferred me to their loan servicing department at XXXX. The rep there was able to tell me how much was past due and how long, etc. However, she did not provide a lot of information about how we could work together. I asked about a payment plan and if they could work with me, the rep kept asking me how much I could pay. I told her the issues I was having and I would n't really know until XXXX. No payment plan was offered, the rep said it was ultimately up to me how much I wanted to pay and that I would still be reported to the credit bureau for delinquency. I am not sure how to get them to work with me, other then have them send me forebearance paperwork.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute this on my credit report. XXXX is reporting me as failure to pay. I have made over XXXX {$25.00} dollar payments. I have tried to upload a copy of XXXX check that represents over 65 such payments to XXXX. Yet, experian just goes by what XXXX is reporting. what about these 65 payments I have made and have proof of? Why is n't XXXX reporting that? i ca n't get anywhere with Experian and their dispute system and it 's negatively impacting my report.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

I am filing a complaint on navient student loans servicing. They have reported a very old student loan being 60 days late which has never happened and has been reporting on my credit report late for the past 9 years. this needs to be resolved immediately.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

In XXXX XXXX I took out XXXX loans which totaled roughly {$35000.00} from XXXX XXXX so I could attend a XXXX XXXX XXXX XXXX XXXX in California. My interest rates ranged from 4 % up to 14 %. 
When I graduated 10 months later I was making {$11.00} an hour as a XXXX and making monthly payments totaling {$5500.00} in the first year. I struggled to make payments and was hounded by phone calls and letters constantly until I caught up. I was able to pay back over {$16000.00} the three years after I had graduated. 
When I lost my job the payments were too much for me to bear financially so I called XXXX XXXX and spoke to customer service. I was recommended to go into forbearance for lower payments and as far as I was told, forbearance was my best option. 

I tried to get info on how to remove my mom as co signer from my loans because at that point some of my late and missed payments had started to show on mine and my moms credit reports. I was never given any direction on how to do that and I was also told my mothers name would only be removed when my loans were paid off. 
In XXXX XXXX I started a lower {$110.00} a month payment arrangement which lasted for three years. I missed a few payments when my debit card that was in file expired and my loans defaulted in XXXX XXXX. 
I am currently paying {$250.00} a month to Navient plus {$50.00} a month to XXXX. 
My original loan amount was roughly {$35000.00} My current loan balance is roughly {$49000.00} I have paid {$28000.00} towards my student loans. 
Dealing with XXXX XXXX has been the bane of my existence for the last ten years. They use bullying, threats and misinformation to get paid and I truly believe that I am being taken advantage of along with so many other people from my generation who were just trying to get an education so we could get ahead and live the American Dream. Because of my student loans I 've had to put off my dreams of having a family and living in my own. 
I feel hopeless and uncertain that I 'll ever be done with these loans. The total is so large now and I have n't even made a dent in it in TEN YEARS. 
I would so appreciate any information that would help me get in board with this lawsuit against Navient.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX..
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I am not sure that the choices above fully cover the issue. There has been an ongoing dispute with XXXX since XXXX XXXX in which they have monthly inflated fees and charges for who knows what. I have filed previous complaints with this agency and others agencies regarding billing for services that I disputed and service that I did not receive. I tried and finally got them out of my life by signing with a company of my choosing, however to date I have gotten inflated bills and for the last several months I have gotten this same bill for {$270.00}. XXXX has billed me for months for an outrageous amount they claim I owe and I in turn insist I owe them nothing and submitted proof of that fact to several agencies including yours. XXXX threaten debt collection and to affect my credit. I submitted a cease and desist letter and I told them I was n't paying them nothing. As an end result a debt collector sent me a letter dated XXXX/XXXX/XXXX that I received XXXX/XXXX/XXXX regarding this matter. The company is McCarthy , Burgess & Wolff. It is claimed to be signed by a XXXX XXXX with XXXXbusiness but has this company 's email address. I have had no contact with XXXX since they left in XXXX and they are no longer in the cable business. In this letter, I am warned about three bullet points stated in the letter as a cautionary or threat before I respond. All three of the bullet points are from the prospective of XXXX and is false. I have not been given an opportunity to defend myself again nor has the debt been verified by this company. I am again asking for help. It is apparent that this debt collector is attempting to re-write the facts in an attempt to extort money from me.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

XXXX is reporting on my Equifax credit report 3 times, account numbers XXXX in which it is the same XXXX account reporting 3 times. This is a fraudulent account and does not belong to me, it belongs to XXXX XXXX. I have attached a letter from XXXX acknowledging the debt is her and that I had no knowledge of. I am asking for you to please remove these XXXX accounts as they are not mine. I have attached a copy of an incident report from the XXXX XXXX XXXX. I am submitting my mortgage document with my signature and the year of my XXXX XXXX XXXX residence. Then I am attaching a copy of the letter from XXXX acknowledging the debt. Lastly, I am sending a copy of my property tax document, which shows I did not reside at the residence on the application, during the period of the application, I resided at my current property XXXX XXXX XXXX XXXX . I have been residing between the XXXX properties over 15 years, Yes, I am also attaching the application page that was submitted to CFPB from XXXX in which it is clear that is not my signature on XXXX 's application.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MA)

I am working with consolidated credit to resolve this account. I received multiple phone calls to the point of harrassment from XXXX. They have called atleast four times a day almost every single day since XX/XX/XXXX of this year. They have also called me outside of the sanctioned hours, for example, at XXXX and XXXX this past XXXX, and per your regulations, the XXXX calling hours are XXXX EST ( my local time ). I will advise them they are harrassing me and I may pursue legal action if they continue, but I am filing a complaint.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MO)

The Home Depot offers consumer credit cards which are serviced through Citibank. 
They periodically offer extended payment terms with no interest charges if paid within XXXX, XXXX, XXXX, or XXXX months depending on the amount of the purchase. The extended terms purchases accrue interest at 25.99 % which is only charged if you fail to pay the balance in full before the extended term expires. 
The problem is the way that they apply payments that are made on the account. The online payment system does not allow the customer to direct which balance that you want your payment to reduce. 
In general, the typical account will have balances from : 1 ) current month purchases ( which have not appeared on a monthly statement ), 2 ) prior period purchases ( which must be paid in full by the payment due date to avoid interest charges ), 3 ) one or more extended terms balances ( which must be paid in full by a specified date to avoid the deferred interest charge ). 
The Citibank system will automatically apply a payment to current month purchases before applying anything to the extended terms purchase balances. Obviously, they try to make sure that you do not get the extended terms purchase paid in full before the expiration so that they can collect the accumulated deferred interest charges. 
As a result, I have stopped making any new purchases on my Home Depot credit card which forces Citibank to apply my payment to the extended terms purchases. However, they are still applying the payment to the extended term purchase with smallest amount of accumulated deferred interest charges hoping that I will fail to get the larger balance paid in full before expiration.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MB FINANCIAL, INC. (NY)

I applied for and was approved for a mortgage loan with a rate lock with no points good to XX/XX/XXXX. I have been waiting for my closing which was scheduled for XX/XX/XXXX, changed to XX/XX/XXXX and now XX/XX/XXXX. I received an updated loan disclosure stating that the rate has gone from 3.75 to 4.25 and I will be charged points. Even though the rate lock has not yet expired.