davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (ME)

My student loan Borrow use to be Sallie Mae then a few years ago Navient took over for them so my student loan got switched I attended the XXXX XXXX XXXX at XXXX. After I got divorced I struggled 2 make my payment while raising XXXX  children. My monthly payment was XXXX and I called to discuss this matter with them multiple times. I told them I am single Mom of XXXX  children who doesnt make alot of money that I receive no child support from my ex husband. Asked if my monthly payment couldnt be lowered to like $ XXXX- {$25.00} a month. As usual I got told that wasnt an option that {$50.00} was the lowest they could go for me. So as always I would get behind on my payment a few months would go by of me not being able 2 pay it and Id call back the representative on the phone would tell me my best and only option would be 2 do a forbearance for a few months but of course the interest would still add up. They would tell me2 try 2 save up some money in the meantime during my forbearance so I could start paying my payment when it became due. I had no idea that there ever was an option of an income driven repayment option or refinancing options until one day recently I came across the lawsuit filed again Navient and I got looking into it. I feel Ive been a victim of this situation for years and they have charged me alot in interest. Alls they ever offerrd me was 2 do forbearance they claimed that was my only option. Thank youfor your time it means alot 2 me.

Sincerely Yours XXXX XXXX aka on student loan papers as ( XXXX XXXX ) that was my married name
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I contacted Equifax regarding the XXXX XXXX that was reported inaccurately on the file the manager reviewed the submitted documents and advise that she requested to have the account deleted due to the documentation submitted she also documented the file and advised it would take about 72 hours to be deleted and provided me with the confirmation number of # XXXX. I then contacted Equifax on XX/XX/XXXX and was advised it was removed however, they removed the wrong XXXX  account. When I called to advise then they gave me the run around and refused to help me.
Consumer complaint received 2019-01-24
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My name is XXXX XXXX, and I applied for a Reverse Mortgage in XX/XX/XXXX with XXXX XXXX, now it is being service by XXXX XXXX. I have kept the property in impeccable condition and have kept Insurance and pay on the Taxes when due. 
In the fall of XX/XX/XXXX following a storm, I was doing repairs on the Subject Property, and felled on hit my head on the pavement below. I did not go to the doctor, and over time the concussion caused a XXXX to develop and interfere with my memory, cognitive skill and I acknowledge, that I did miss my XX/XX/XXXX Tax Payment due no later than XX/XX/XXXX. 
I received a notice for XX/XX/XXXX and it showed a unpaid tax for XX/XX/XXXX, and when I contacted the Tax Collector office, they told me it was paid by my Lender Nation Star on XX/XX/XXXX. 
I HAVE NO PHONE NUMBER FOR NATION STAR. I called XXXX XXXX XXXX and could only talk to a robot. With my head injury, and little knowledge of XXXX, I was befuddle as to what I should do. I tried to pay the XX/XX/XXXX Tax, in XX/XX/XXXX, before going into the hospital, but was told that Nation Star had already paid. While I was in the hospital in the Intensive Care Unit, I received a Foreclosure Summons from the Attorney for Nation Star. I am XXXX years old, my Spouse suffers from XXXX, and I can repay the Bank for the Taxes they paid, but neither XXXX XXXX or Nation Star ever contacted me by phone, or letter about repaying the Taxes. I do not want to lose my home for XXXX. Seniors should not be treated this way by hauling them into Court on wheel chair.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (CA)

The online company " Albert ''. I opened an account with them. I was unhappy with how they were taking money from my other checking account without warning of which days and undisclosed amounts so I tried to close the account. They will not let me close thier account. They are holding {$3.00} in an investment account of mine. They said I need to transfer that first. Ok fine no problem. Expect that it doesn't allow to transfer. Thier answer is sorry you have to... So I am being forced to keep this account open that I do not want. I have tried to deal with customer service. I'm just going to complain about this company every where I can now so maybe they will fix this. I want this account closed!
Consumer complaint received 2019-01-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NM)

they have not sent me paper statements for months now, i have not and never will sign up for paperless statements. i have received neither. also they have never let me draw on my heloc, they are impossible to get in touch with someone that can answer any questions. typicall corporate run around
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

The credit bureaus have added fraud alerts to my files. Instead of investigating my disputes the credit bureaus have sent fraud claims to my creditors when fraud was not claimed. I asking for investigations of items that seemed incorrect, inaccurate, or not mine ... Fraud alerts without my phone number are useless ...
Consumer complaint received 2019-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

Good Morning, On XX/XX/XXXX I called XXXX XXXX to settle an amount for XXXX dollars for a canceled XXXX XXXX plan. We agreed upon XXXX to settle the account and show it as paid and closed. I paid the agreed upon amount and waited for it to reflect on my credit report. It finally was updated and was removed from my credit report initially. Later I noticed it was on my XXXX Credit report so I disputed it and it was successfully removed on XX/XX/XXXX. Report Number for this is XXXX in reference to account number XXXX with XXXX XXXX. Since this time I have started the process of buying a home and when my credit report was pulled I was shocked to discover that this account was back listed as a collection account with both XXXX and XXXX. I have disputed the account with both and it still hasn't been removed. I then called XXXX XXXX and they had no idea why it was showing on there end as no longer settled and weren't of any help. I then proceeded to go back through my bank statements and find the exact day and time I paid the settled account. There was a phone number listed that didn't match XXXX XXXX so I called it and it was another collection firm. She affirmed to me that I did in fact pay the debt and the amount I have referenced above that for some reason XXXX took back ownership of the account and she doesn't know why. So here I am not knowing " why '' a account I have settled is still showing as unsatisfied. On my bank statement the amount charged to me to settle the account also has XXXX listed so I am upset with this matter. Something is being done wrong and I find it highly offensive that no one seems to know why. How do you lose an account and then magically reopen it back up as not paid?
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

MY 17 WRITTEN REQUEST There are items on my credit reports that are being reported incorrectly and I have proof this is negligent by the credit bureau as you guys arent following the FCRA Laws and are in violation of several Laws on my credit report Ive send out several laters and even file complaints through CFPB you guys arent following the laws I havent received any contracts or proof that accounts on credit reports that were disputed belongs to me from the original creditors I ask the credit bureau to send me steps that were token to validate the accounts because this is clear fraud by both credit and credit bureau these accounts are being reported incorrectly and doesnt belongs to me and I ask that you guys remove the accounts immediately. Identify theft reports were already filed and send out to the creditors and bureau this is and is an crime you guys are violating my rights and needs to remove the accounts below from my credit report or I will have No choice but to sue both creditor and credit bureau. 

ACCOUNTS : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX 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 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.
Consumer complaint received 2019-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Dream Center Education Holdings (MA)

In the fall of XX/XX/XXXX I was attending the XXXX XXXX of New York. I became ill shortly after the semester began ; and per doctor 's order, I was ordered to rest at home for two weeks. I notified the school immediately and went home to XXXX to recuperate. The first week home I received a phone call and was told I could not return to the XXXX XXXX due to my missing two weeks of school. I offered to do any school work at home and was denied this opportunity. I literally begged to be able to do the class work from home but still denied. I asked for the loan disbursement of approximately {$6000.00} be returned to XXXX XXXX, my private loan lender at the time, and the XXXX XXXX refused. Over the years I have made occasional calls to XXXX XXXX, now XXXX, which were of no help to me. 

Since the XXXX XXXX of NY closed in XX/XX/XXXX, I was told to contact Dream Center Education Holdings ( parent company of XXXX of NY ) which I did. Again, no help to me. I was told to contact a CPA firm  in Pennsylvania who is handling the bankruptcy of Dream Center Ed. Holdings. Can someone please help me get this {$6000.00} loan discharged or forgiven?
Consumer complaint received 2019-01-15
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: Experian Information Solutions Inc. (FL)

15 USC 1681c ( a ) ( 2 ) -Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( Does not meets requirement of the Fair Credit Reporting Act On Record Until XX/XX/2019 )
Consumer complaint received 2019-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CO)

I was awarded XXXX XXXX with Department of Education over a year ago. All of my loans were moved over to XXXX  for that process, with the exception of a Sallie Mae personal loan. I contacted Navient who told me because it was a personal loan -- with a co-signer, it was not eligible for XXXX XXXX. I contacted Sallie Mae to see about getting this loan forgiven and they advised they have no control because they gave all federal loans to Navient, and would not have any record of it.

Then, I obtained a copy of my original promissory note with Sallie Mae ( from Navient ), which states I can pay {$50.00} a month if that is my only option and advised Navient in writing of this. However, Navient has continued to call me, charge me fees, and add negative additions to my credit reports.

If this loan has been sold to Navient as a federal loan, then shouldn't it be treated as a federal loan and discharged at the time of the Department of Education 's approval? Can you find out why this loan hasn't been discharged? If there is no other option, why can't I pay {$50.00}. per month as my original promissory note states without negative results from Navient?
Consumer complaint received 2019-01-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C. (IN)

This auto loan was forced XX/XX/2015 under misleading statements and claims by the Dealership XXXX XXXX representative XXXX XXXX in conjunction with XXXX XXXX XXXX. I have been targeted as well as others in a scam that ultimately lead to the surrender of the vehicle.

There are multiple cases filed in Indiana against this dealership that targeted individuals in XXXX  Indiana under false pretenses to scam & collect funds from sales of vehicles. Some individuals did not even get titles on said vehicles.

I was told that I only had 12 payments to make to complete sale of vehicle. The previous manager at XXXX XXXX XXXX, XXXX  was fired due to this situation with me including others.

This long ongoing ordeal caused me to have to file bankruptcy then ultimately surrender vehicle under the discussion that there would be no repercussions due to the falsified documents forced in conjunction with XXXX XXXX XXXX & XXXX XXXX at XXXX XXXX. There are other cases that are public records that can be found to support that this is factual and I am not the only victim.
Consumer complaint received 2019-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted TransUnion and explained that I have not requested to open any new account or anything but there are inquiries that do not belong to me on my credit report. I have submitted a FTC identity theft report to them as well in the past explaining that my identity has been stolen in the past. I am asking that the following inquries be removed from my credit report XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX Card XX/XX/XXXX. I have called and called and called each time I am told something different & the fraudulent inquiries are still listed.
Consumer complaint received 2023-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (TX)

Returning to school and work from XXXX. Limited income school went from {$400.00} for the semester to over {$1800.00} which I didnt have so after speaking with my counselor I unenrolled from the school. Never received or completed the course work, im being billed and sent to collections dropping my XXXX score over XXXX points for something I never received, do not have access to these courses nor the credits from them to owe almost XXXX.
Consumer complaint received 2019-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CA)

I am having a long running dispute with Seterus, Inc.. I have made several attempts to resolve not getting billing statements and double payments on tax and insurance impound/escrow account. I'm XXXX and don't have much time for the run around. Yes, we are currently late on the mortgage due to the above ( didn't get a billing statement after timely modification payments until XX/XX/XXXX - 3 months after last payment ). Now as of XX/XX/XXXX they have placed us in foreclosure. I have called twice and spoke with a XXXX and subsequently XXXX XXXX and XXXX XXXX and asked to be set-up on 2 month payment plan to bring the account current. The pat answer is that it's in foreclosure and we need the full amount - amazing. We are not talking a large loan - I believe we are at 15 % LTV and loan is $ 73,000+ only. I want to resolve the matter and need some time to make it current as I don't have single payment capability and what is 2 months? I'm very frustrated at the overall process and truly need someone to advocate for me in this situation.
Consumer complaint received 2019-01-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC. (FL)

I was alerted by XXXX, XXXX and XXXX  that a collection agency by the name of Alexander Rose Inc. added a file to my credit report. I reported this as fraudulent due to the fact that I have never signed a contract and/or account with said company. Of course nothing was done about this. XX/XX/2019 I have discovered that this company is not licensed or bonded in the State of Florida to collect debts owed or otherwise. It is illegal to try and collect a debt if the company is not licensed in the State of Florida. This company is not even in the State of Floridas record database.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have a mortgage with XXXX XXXX. I was behind in payments and was put on a loan modification program. I was told that when on this modification program I must make all payments on time and further credit reporting and collection calls will stop from XXXX XXXX. I made all loan modification payments on time per our contract. XXXX XXXX has me listed on my credit report as being 180 days late for XX/XX/XXXX through XX/XX/XXXX. I have records showing payments made on time. This was disputed through Experian and XXXX XXXX initiated a review. XXXX XXXX came back and agreed all modification payments were made on time as stated in the modification agreement. They refused to remove the 180 day late payment data as they said this was for the original loan payment amount. I was paying them the amount they asked for every month. They are holding me to my original loan amount which I was not requested to pay. I was told they are doing this so I can not refinance as they are making money off my loan. My payments and interest rate went up after the modification and I was turned into the credit bureaus for not paying on time. Can you help me to get XXXX XXXX to remove the late payment data so I can refinance and get away from XXXX XXXX? 

XX/XX/XXXX Loan Modification begin XX/XX/XXXX Loan Modification end Dates reported late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( I have bank records showing all these payments made on time ) At this point XXXX XXXX refused to remove this data from my credit report even though they agree I made the payments on time. XXXX XXXX did not report late payments for the other months from XX/XX/XXXX - XX/XX/XXXX only the dates listed. Why only these months? This is random and confusing and they will not give me an answer as to why.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NC)

In XX/XX/XXXX I received a NetSpend Card for my wedding gift. My brother purchased the card for me at a XXXX location and included a receipt stating it was {$100.00} on the card. A week later I went to activate the card and was told by a NetSpend customer service representative that I would have to give my social security number to them in order to activate the card. I told them that I've never been asked to provide my social security number to get access to a prepaid gift card. The representative told me if was company policy. I ended the call and stored the card away to figure out what was really required to activate the card. 

Recently, XX/XX/XXXX I called again to activate the card. I was asked again to provide my social security number. I told them I didn't feel comfortable with this as this is a gift card. The NetSpend representative then told me the card was actually bank/check card that only can be activated by opening up an account with them, hence the need for my social security number. I asked her to verify the amount on the card. The representative explained that there was {$100.00} loaded on the card back in XX/XX/XXXX but NetSpend has been charging me a monthly maintenance fee that they charge on all active accounts causing my current balance to be XXXX. 

I went back in forth with the representative to get a better explanation of what occurred. If by NetSpend 's policy I must open up a line of credit with them to activate an account and they charge a monthly maintenance fee for all active accounts, how was I charged a maintenance fee for an inactive account? 

I asked this question several times and was just told that is there policy. As of this date, Wednesday, XX/XX/XXXX, I have not activated an account with them. My complaint is regarding NetSpend 's false advertisement. All prepaid gift cards I have received in the past were sincere gift cards that did not require me to open up a an account with them tied to my social security number. If this is a bank card and not a gift card, NetSpend must change their packaging/advertisement to reflect this. Additionally, because NetSpend is advertising themselves to be a pre-paid gift card, retailers like XXXX are stocking them near gift cards making it easy for a customer to mistake this NetSpend Card as such. There is no way for the customer to know this is a bank card unless they purchase it and open it up. There is no way of knowing about the monthly fees that are apparently activated as soon as the card is purchased until you purchase the card. 

My last complaint is regarding the monthly maintenance fee charged on activated accounts that was charged to an inactive account. My brother spent {$100.00} on a card that was completed absorbed by NetSpend. Their current policies basically is a trap to take consumer 's money.