davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MT)

My federal student loan was through Nelnet. I have since paid it off, but during the course of the loan, they almost never mailed me a bill, even after I sent numerous Certified Letters and phone calls requesting them to send the statements/reminders - that I had no problem with the payments, but needed the statements. I even submitted a complaint to the XXXX which also fell on deaf ears. As such, I frequently missed payments that were not a problem for me to make financially, but caused major harm to my credit. My resolution was finally to just pay the whole balance ( not easy for my family but it was necessary ) so that I could cut ties with Nelnet. I believe this is their primary job : to properly bill their debtors and help them pay off their loans in a manner which keeps all sides satisfied. It should have been easily resolved by Nelnet but now it will be my ongoing problem for the next 7 years on my credit report, attempts to purchase a house, etc.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have several complaints and issues wirh my loans. First of all, the school that my ex husband & I attended was closed soon after we left. We find out that the credits attained through the programs there were not transferrable to a 4 year university, therefore, I had to stsrt all over again through another accredited college. The aid I received was not beneficial and attending that school, XXXX, was a waste of 2 years. Secondly, my husband & I are now divorced but since the loans were consolidated, they are on my credit negatively and I 'm told there is nothing I can do to separate his loan from mine. That does not make sense as we are divorced. According to our divorce decree, he has been ordered to pay his portion of his student loan debt which ca n't even be enforced so it is affecting my credit negatively. This needs to be changed immediately!!! The circumstances under which we received the loans in the first place were WRONG. I 'm so upset by how this is still affecting me years later. If there 's any way to resolve this issue I would be truly grateful.
Consumer complaint received 2024-08-28
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Biorn Corporation (MN)

i requested vial mail XXXX debt validation from Biorn Corp. for a debt with XXXX XXXX XXXX XXXX even though I am making payments and XXXX  forwarded my account to collections regardless of my request via a voicemail I left on XX/XX/XXXX with XXXX XXXX XXXX XXXX, that before I send another payment I request a complete account audit/history to make sure what I have as a balance and what they have are the same. Instead of providing me this they sent me to collections. I asked this because I haven't been receiving invoices since XXXX of XXXX and the last one I had received was not even current information showing my payments but that of CC fee charges of which I haven't paid them via my CC for over a year but with money orders only since. I got a letter from Bior Corp on XX/XX/XXXX saying I owe a debt and I am to pay them but I am not contracted to pay them at all and my account was and personal information were sold. Upon request of validation, Biorn is to provide that within 5 days, 10 at the most. Instead on day 42 today XX/XX/XXXX I get a call from a lawyer yet no one is still providing me with validation regardless of me still making and have made payments to XXXX  within the last 42 days. I'm not too fond of this illegal activity as well as harassment when all that had to be done was fulfill my request.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

My student loan balance increase each year after being deferred or on forbrance. My payments were high on my loans. I was told to put my loans on forbrance for and apply for a low income payment. My loans were suppose to be at XXXX XXXX but because of the interest my balance is XXXX XXXX. I do not know if you all can help. I did see in the night news that XXXX / XXXX did not inform students with the interest rate going up so high. I was XXXX of those students. I have not be able to purschase a home because my student loan debt has me drowning in debt.
Consumer complaint received 2016-11-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Fradkin & Weber PA (NJ)

XXXX, XXXX XXXX XXXX Is garnishing my wages without notifying me first and without filing the judgment ( if it is accurate-still do n't know if it is ) in the state of XXXX where I reside, per XXXX law. 
The establishment is also in possession of {$100.00} erroneously withheld from my pay on XX/XX/XXXX. My pay was under the federal poverty level guidelines. It is my understanding that XXXX ( payroll processor ) has made several attempts to retrieve the funds and the establishment has not responded
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AE)

I co-signed a student loan thru NAVIENT for my nephew and when he failed to pay, Navient contacted me in XXXX XXXX. I pay XXXX payments and my nephew took over the payments. In XXXX XXXX I received a " Charged off as bad debt '' loan default on my credit report. The company never contacted me and I assumed my nephew was making payments. How can Navient default the loan, without contacting me, the co-signer?
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DCI Credit Services, Inc. (MN)

On XX/XX/XXXX DCI credit services was recovered a Judgement against me for collections. I had paid {$180.00} at that time. I was then XXXX from XXXX in various XXXX, XXXX and XXXX until my release in XX/XX/XXXX. During that time I had no real income or contact from DCI credit services nor have I received any contact from them prior to the wage garnishment. I have been living in XXXX since my release and attending college and during the off time have been filing for deferment on my college loans. I have not received any contact from DCI credit Services until I received the letter stating that my checks will be garnished in the amount of XXXX % to pay off a remaining balance of {$3600.00} for debts owed to XXXX College and XXXX in XXXX XXXX. Student loans are not in collection or in repayment while in school or is under a deferment which I have been consistently registered and attending XXXX College and XXXX College, the times I was not enrolled I was under deferment. DCI Credit Services did not contact me at any time between XXXX and the time of the Garnishment. They said they sent XXXX letter out in XXXX ( never specified which ) in which I did not receive. The supposed debt form XXXX care show up as closed in my credit history report as of XXXX of XXXX. Yet they are trying to collect on a closed debt. I had no contact from XXXX until the present garnishment was put into place. I had contacted DCI credit services to see about having the percentage lowered from the max of XXXX % per paycheck and was told they can and will not lower it.
Consumer complaint received 2016-05-12
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Lockhart, Morris & Montgomery Inc. (NC)

Collector did n't want to give me address so I can mail in payment said I have to pay the whole thing they would take payment with out a large deposit. And have repeatedly call my cosigner 's mother and sister and threatened to take there pay.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was completely shocked today to find incorrect accounts listed on my credit report, and I have no idea how they got there. I checked my report like usual, and suddenly, these inaccuracies showed up. I refreshed my browser, thinking it was an error, but the accounts remained. I'm requesting a detailed review of my documents to ensure this doesnt happen again, so I can have peace of mind.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AL)

I have been XXXX since 2011. I have been dealing with this since 2011 and I will explain best way possible. XXXX has been taking money out of my XXXX check when I have sent paperwork in 3-4 times over the years. When I contact them on phone they tell me they have n't received any paper work but this is what we can do for you to give you time to send in again.dl they would say we will hold off for 2-4 months to give you time. 
after I send paperwork in immediatelty a month or 2 would go by and they will start taking over {$200.00} again. I do n't understand I would tell them I know I sent paper work in. I would tell them you see where you taking money from you know I have been XXXX since 2011 and you keep taking it. they would saour yes ma 'm we see its coming out of your XXXX but we need paperwork from doctor. this has been taking a real burden on me. this past month they started taking money out again and caused major chaos in my life. did n't have enough money to pay my bills or for co payments to doctors I have to see. so I had to skip some appointments. 
all i want is someone to help me to stop them from taking what I have proved. I am a small town XXXX person who really does n't know what to do. They saying I owe over {$8000.00} now and I am like how when I have sent paperwork in time and time again. please someone help me
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by TransUnion for the account XXXX with XXXXXXXX XXXX XXXXXXXX. Despite sending previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case.

TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit. 
Discrepancies in Payment Reporting For the account with XXXX XXXX XXXXXXXX, the following discrepancies have been observed across the credit bureaus : TransUnion : The account incorrectly reports a 30-day late payment in XX/XX/year>, a XXXX late payment in XX/XX/year>, and a 90-day late payment in XX/XX/year>. These reports are inaccurate, as all payments were made on time and the account was on autopay. 
Recurring Errors The persistent incorrect reporting of late payments across TransUnion, XXXX, and XXXX reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-05-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (WA)

Mercedes Benz Financial Services services our loan for our Mercedes car. On or around XXXX XXXX, 2016 they upgraded their payment system and the system was down for several days. 
I made a payment on XXXX/XXXX/16 at mbfs.com. I checked the payment history and it shows {$0.00} principal, {$0.00} interest, and the amount I paid as " over paid '' for the past THREE MONTHS!! It does not even show the total remainder owed anymore. 
This is not acceptable for a lender, thus I am filing this complaint.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bonneville Billing and Collections (MA)

I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a XXXX account which I requested be closed when I moved to XXXX XXXX XXXX XXXX XXXX, XXXX. The account was not closed and whoever lived there used my name to receive services from XXXX XXXX and it went to collections. I moved back to my home of XXXX in 2010 ( about 4 or 5 months after moving to XXXX, XXXX to stay with a friend while I prepared to move back to XXXX ). I have tried to get the account removed from my credit report and XXXX is claiming they verified the debt. I do not know how that is possible given the circumstances I already explained. I want Bonneville Collections to remove this incorrect debt information from my credit report. Can you help me please?
Consumer complaint received 2016-12-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: QUALITY ACCEPTANCE LLC (NV)

I sent a letter to QUALITY ACCEPTANCE LLC, the letter is enclosed, I gave them a year, it was signed by no one. They broke more federal trade commission laws and more FCRA regulations than any other company I have ever seen. And they unlawfully harassed for money when they violated and broke the contract we had with them, and they also refuse to send any proof I Asked for a year. There window is closing soon, I want {$7500.00}, if they do not pay up I feel sorry for them, cause I am here telling the world, I am coming for them, by media, by law, my court and I want whoever is responsible to go to jail as well. How can you send a response of this serious nature with no signature. IS that who stole my money?
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

I applied for and was given a Wells Fargo Home loan with the understanding I could pay the loan twice a month with one half of the month 's amount due. This was the selling point for the loan. I was never told, prior to closing, verbally or in writing that the payments would not be applied until two 1/2 months ' payments were received, erasing the benefit on reducing interest payments over the life of the loan. 
This lack of transparency, non disclosure and deceit has locked me into a loan lacking the benefit I sought in selecting the mortgage bank. 
My mortgage banker has since told me they have " no way '' to apply the 1/2 payment to my balance. I have been offered to revert the payments withdrawn from my checking account to the full payment once a month. 
What I want and what was implied when I shopped for the loan is to have the payments applied to my loan when they are taken from my checking account. 
I have complained to them and received a non printable e-message stating the above.
Consumer complaint received 2016-12-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NV)

I had to take time off from school for a XXXX. The process started in XX/XX/XXXX and the operation was XX/XX/XXXX. I contacted my loan provider and they stated that if I did an IDR that I would have a yr. to heal and get back into school because I had no income. Furthermore, they stated that my husbands income was not a factor because I was responsible for the loans. The application was accepted ; however, I have to pay XXXX per month due to my husbands income. I called Navient back and they told me I had to do an unemployment deferment, which means I have to apply and actively seek a job. this will give me a 6 month deferment. XXXX ; I 'm looking at at least 4 months XXXX before a job is even a possibility. In addition, my husband is on XXXX and looking at XXXX as his Dr. had taken him off work indefinitely for an injury. His student loan company has deferred him until XX/XX/XXXX because he is not making enough to pay his loans.
Consumer complaint received 2016-03-07
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Cornerstone Mitigation (PA)

Received call on XXXX/XXXX/XXXX stating that i took online payday loan in or before XX/XX/XXXX for {$300.00} and have not paid anything, and if its not solved they will proceed with court proceeding, i requested them the detail of loan but they was not able to provide it, first they said i got loan from XXXX and the company name they give was cornerstone partners ( Phone # XXXX and XXXX ) and they said while taking loan i gave reference of XXXX in XXXX but when i check with my bank i found that i did not even had account with XXXX at that time ( then i started reading online about this scam calls and ALOT of people are facing same calls ) here is the link i read it about : XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-12-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear XXXX, I found out in XXXX ; through family XXXX in XXXX, XXXX ; that a file was in superior crt files, not XXXX county files ; # XXXX ; a deposit of surplus funds ; this was not a pay off as a mediator & judge XXXX, XXXX stated ; the lawyer was different ; not XXXX on the 2nd mrtg pyoff ; this should have been done via escrow as most are. 
They lied as a bad play ; mediator helped ; I believe based on my XXXX abilities that in fact ; that they wanted me to sue, knowing I may not get a lawyer ; I knew it was for $ XXXX ; and that XXXX XXXX and very possibly an impersonator for me ; signed and stole about $ XXXX ; and the judge retired, & the rest was stolen ; all while I was in jail and was not brought to jail for this court date! 
Fraud! The money was illegally Wire transferred I believe ; and never made it to my books, and or in my name ; nor bank/brokerage account ; it made it into XXXX. jail bank accounts, then was stolen. I made this via family services, I called, license suspension for child spprt, daughter passed in ex spouses custody. 
So I want an investigation ; as I know that some persons were paid off to move this money at that point ; I am owed the full amount ; and the city of XXXX, jail, and bank of America are liable ; $ XXXX, 20 %, compounded daily since XXXX is {$700.00} XXXX dollars. 
the money did arrive, and it was stolen ... 

Please review this and make plans to XXXX my check as soon as possible to my address XXXX XXXX XXXX, XXXX ca XXXX thank you, and XXXX XXXXXXXXXXXX
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

relate to reference # XXXX. false accusations due to I closed my checking and savings account with XXXX in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out Midland Funding LLC had a Lien on my property, I called and asked Midland Funding the reason of the Lien, agent told me XXXX sold my account to Midland Funding in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for Midland Funding LLC and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from Midland Funding AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with XXXX in XX/XX/XXXX, same year XXXX was under investigation by the FDIC with Fraud and embezzlement.
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

We deposited a escrow refund check into our Citizens checking account. It pended for two days, before the funds were released. Two days later, they withdrew the check without warning claiming it was invalid. Not only did Citizens charge our account a fee for the returned check, but Citizens also charged us overdrafts fees. After calling Citizens ' customer service, the were " kind '' enough to credit the return check fee and XXXX of the XXXX overdraft fees. We lost over {$250.00} in fees that were clearly not our fault. We made several attempts to recover the fees, but Citizens will not cooperate. Their customer service department said they were being " generous '' by crediting the little amount they did.