davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WI)

Due to several financial setbacks I 'm always asking for lower payments however instead they keep putting me in forbearance. Once out of forbearance it seems my payments double or triple which in turn means I still can not make the payments. I have tried income based repayment but they do n't take your other debts into consideration, just your income and feel you can pay only Navient and no one else. I 've been doing the forbearance or deferment for years only to accumulate more interest. I 've tried telling them what I can pay per month versus paying nothing and only meet with the forbearance option. As a single person making a house payment and paying other bills, I feel their way of " helping '' is only making things worse. Since my school location is n't listed, I have these loans from attending XXXX XXXX XXXX - XXXX, IN ( On-line courses )
Consumer complaint received 2017-04-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

In XX/XX/XXXX, I was a victim of identity theft. Someone was able to access my personal checking account at XXXX by making a phone call. They also were able to use my information to open a new checking account online at TD Bank. {$1000.00} was transferred from my account to the fraudulent account at TD Bank. I spoke with the fraud department at XXXX and they gave me thorough instructions and they investigated the incident. The {$1000.00} was returned to my XXXX account. The problem is that TD Bank persisted in maintaining a checking account in my name with {$1000.00} in it. Since I was reimbursed by XXXX and all activity with TD Bank was performed fraudulently by an identity theft, clearly the money in the TD Bank Account is not mine and the account itself, though in my name with my information, is also not mine. I have called TD Bank and spoken to their fraud department in XX/XX/XXXX. I wrote a letter in XX/XX/XXXX to TD Bank explaining the situation. They persist in sending me bank statements and they deduct fees, {$5.00} maintenance fee and {$1.00} paper statement fee. The {$1000.00} balance is now down to XXXX as of XX/XX/XXXX, due to these fees.
Consumer complaint received 2017-09-09
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. (WV)

My personal information ( DOB, SS #, address, credit info ) was compromised by Equifax, leaving me a likely target for identity theft. First issue of complaint is that I was not notified but instead had to research how to protect myself based on a news story! I went to a website that asked for more personal info to see if I had been impacted by this breach. I had. I was not given any guidance about what to do to protect myself. I was not offered any solution. I was forced to search myself for options, all of which will cost me time and money and a lifetime of watching every transaction, every attempt at using my credit report, every attempt at using my personal information and may still result in financial harm to me if something gets through. This is not my line of work. Equifax is responsible and they should make it right, as much as it is possible to do.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I feel that I have been making monthly payments and my principal has just been increasing exponentially even though I am making interest payments and they have confirmed some goes to principal. I stopped making payments about XXXX months ago because they automatically kicked me out of a low-income program and said I have to reapply. How am I supposed to save and apply for a home one day if my loans keep growing ... XXXX of them went from XXXX to XXXX. I need help please.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

I 've had student loans for about 8-9 years. In this period I went from XXXX XXXX to Navient. I have 6.8 % interest and XXXX loans all for XXXX XXXX. Before I was able to get my papers starring I completed XXXX I needed to pay almost {$1000.00} out of pocket on top of the loans. I was told I had job placement guarantee, I did n't. I was a XXXX mother on welfare and they fought me on deferrment, charged me interest and fees. When I finally started to get on my feet, and my loan WAS in deferrment finally, they took an entire $ XXXX income tax check I was relying on for a home. No notification, nothing. Now, 4 years after that happening and me paying on the loans from working ( not what I went to school for ) I still owe almost {$5000.00}. Navient sends you emails telling you about government grants to pay the loans, government loan forgiveness, and forbearance to those who qualify. But where is the information at for these? Who decides this? Where are we supposed to apply? I eventually was able to get a home, and almost lost mine in part of my student loan debt.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

My student loan is currently being serviced by Navient. I currently pay {$200.00} dollars per month. The customer service representative has tried to steer me to making payments in excess of {$500.00} per month. Further, I do not know the formula they use for repayment. They ask me to show proof of what my salary is, but they do not take in account cost of living in the XXXX part of the country which is some of the most expensive in the nation. 
Not to mention, the incessant phone calls to my home, place of business and family members!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I sent the following e-mail to NAVIENT : Dear Sir/Madam : I am seeing missed pmts. on my credit report regarding my student loans. My loans have been deferred because I am a current student. There is NO reason that my credit should be going down due to missed pmts. that I am not supposed to even be paying on yet!. This is absolutely unacceptable. What needs to be done to have this rectified ASAP. These loans are old, and I have made SURE to defer them while I am a student. 

XXXX XXXX I have XXXX missed payments that just popped up on my credit report, but they are supposed to be differed.
Consumer complaint received 2017-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I spoke with a representative from the following company :  XXXX   XXXX   XXXX  ( collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor Capital  One ) In regards to a negative account on my credit. The representative told me he wo uld make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX    XXXX  . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX  ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , UT  XXXX   XXXX  address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is erroneously reporting XXXX account as a rolling 120 days late even though this was paid as agreed and settled on XXXX. Other credit bureau agencies are reporting this correctly. 
I am requesting that the above referenced item be reported as current, not a rolling 120 days late. This dispute was also completed on-line. This account was paid as agreed and settled as of XX/XX/XXXX2014. 
Be advised that this information is damaging and prohibiting me from securing a loan for the purchase of a home for me and my family. 
I am also requesting the receipt of a copy of the corrected credit report within 30 days of receipt of this letter along with an attached letter that reflects the above changes.
Consumer complaint received 2017-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MO)

Hello, I have a problem. Recently back in XX/XX/XXXX I tried to open a local bank account with XXXX XXXX. I was denied So I questioned what was on my report that caused this. I notice many accounts in which some I recognize and some which i do not recall, not that they could n't be mine I just have no record of it and do not recall having said account. This is an account i do not recall but have tried to settle it with the third party reporting it on my credit and the original creditor. I have recently mailed multiple letters to the Third party Company LVNV FUNDING LLC at mailing address XXXX XXXX XXXX XXXX, SC XXXX. My first letter was on XX/XX/XXXX where I requested the amount owing for this account in exchange for the exchange of the original instrument of indebtedness in its original form. I wrote LVNV Funding again on XX/XX/XXXX because I had received a response from the original creditor. But in my letter dated XX/XX/XXXX to LVNV I offered again to settle the account immediately upon receiving a copy of the original instrument of indebtedness in its original form. I still had received no response.I wrote another letter to LVNV Funding on XX/XX/XXXX since I had not received a response to my initial letter. I again offered to pay this account upon receiving the original instrument of indebtedness. I still received no response to date. But this alleged account continues to be reported on my credit in a collection status which has made me not being able to qualify for a pre-approved Va home loan. I have also contacted the original company via USPS mail on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, in which each letter I offered to settle this account immediately but on each response from the original creditor ( XXXX XXXX XXXX ) which i received on the following dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. In the letters received XXXX XXXX either referred me to LVNV Funding LLC or told me they do not need to provide any information pertaining to this  account and again referenced me to the third party company. I have also sent all communication to the 3 credit bureaus in order for them to obtain facts from these companies ln which all have returned their investigation as this alleged account being correct and verified.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

On XXXX/XXXX/2016 my credit was pulled and it showed several accounts that did not belong to me. With Experian they are reporting an address that I have never lived on. I mailed a dispute letter and they responded back on XXXX/XXXX/2016 requesting documentation to verify my ss #. I mailed my IRS - ITIN number and a copy of my ID because I do not have a social security number. Then on XXXX/XXXX/2016 they mailed another letter requesting the same documentation. I do not know what else to provide because I 'm unable to provide them with a social security letter. I believer they should remove it because I have provided all the documentation they requested.
Consumer complaint received 2017-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our mortgage is held by Bank of America. We have an amortized loan so the payments are increasing. My wife is not working. I am having a hard time paying mortgage and all other utilities, insurances, food, etc. I was able to receive assistance from Keep Your  Home California, with a principle rate reduction, condition was we had to work with our m ortgage holder for a modification by a certain date . BofA has not been helpful at all. We are assigned a loan counselor to  " help '' us and all they worry about is when we are going to make the mortgage payment. Keep in mind we were n't behind at the time. It seemed as if anything I said, she never heard. Keep Yo ur Home California sent BofA our approval and told them also the stipulations of us receiving help. We rec eive a letter from  BofA a few weeks later saying that we ca n't get a modification from them and the principal reduction through Keep Your Home California. However that is n't correct, the modification is the rate reduction and Keep Your Home California will receive funds on our behalf to pay BofA. When I tried to send a complaint to BofA corporate it was routed to our original loan counselor who in turn contacted Keep Your Home California and told them they could n't get a hold of us, and for us to contact them immediately. We had been trying to get a hold of them the whole time. So now we have a new loan counselor who knows nothing and is only trying to get a payment instead of help us.    We have lived here 17 years, we do not want to lose our home. Please help.
Consumer complaint received 2017-04-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Since I graduated college in  XXXX  I have paid over {$20000.00} just in interest with principle remaining almost the same amount. In  XXXX   XXXX  I finally reconsolidated my student loans with  XXXX   XXXX . I recently told them about my situation and they said the numbers do not add up.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DE)

Experian refuses to update my credit record, specifically as it refers to previous delinquincies that were unknown to me, whether it is refusing to update when either myself or the collection agencies have provided updated information. This has a profound effect on my position to purchase and denies me any type of due process or resolution. I have submitted documentation in writing, with delivery confirmation, as well as five ( 5 ) attempts to update this information from the collection company. Experian has not updated my report since XX/XX/2016, more an 150 DAYS have elapsed and their inability or refusal to honor my request or the transmission of debt resolution from the collection agency compounds the harm I am experiencing. They MUST be held accountable and if they can not report acurately, reguarly, or fairly then they should NOT be allowed to reprt at all.
Consumer complaint received 2017-02-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I purchased a XXXX from Auto Now Financial also known as XXXX on XX/XX/2016. On XX/XX/2016 someone wrecked into me totalling my car. The dealer Auto Now Financial informed me of a program they offer to get me into another car through their company once the insurance company paid off my XXXX. The program was explained to me that I only pay {$98.00} to drive off the lot. This money covers the auto insurance that they provided for me. I chose a car on XX/XX/2016 a XXXX. Within XXXX or XXXX days of driving the car I returned it to the dealer complaining of the front end did not feel safe. I was told they do not cover new tires. I then took the car to another mechanic and was told the XXXX was not safe to drive on and would need to be fixed immediately. I then took it back to Auto Now and informed them of this. They kept my car for one day then rerurned it to me stating it was the tires and again it is not covered under warranty. I requested that in writing and they refused. I then contacted the finance department and informed them I will not make the scheduled payment of {$500.00} due on XX/XX/2016 or the first payment of {$210.00} due on XX/XX/2016. They repossessed the car on XX/XX/2016 when the temporary plate had expired and sold it in auction on XX/XX/2016. Auto Action then reported the car on my credit report as an open loan for {$10000.00} showing XXXX payments being made in good standing. Their action has kept me from being able to finance another vehicle. I was informed by another dealership that a loan is not funded by the lender if the buyer fails to make the first payment, ie down payment. I have information about the issues with the car from the previous owner of this vehicle showing the malfunctions were previously known by the dealer. These actions look like various forms of fraud by the dealership not only to consumers but to financial institutions and insurance companies as well.
Consumer complaint received 2016-10-02
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have requested XXXX and Navent to reduce my student loan payment but this company refused, I have filed several time ( papers ) and submit them to NAVENT and XXXX, certified, but the refuse to process! They will wait several months and delay payments. But refuses to process my paper work to reduce paper due to XXXX.
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TFS FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I submitted check # XXXX from my XXXX checking account to Third Federal Savings & Loan of XXXX OH for {$200.00}. In early XX/XX/XXXX I satisfied and closed all accounts with XXXX XXXX. 
In XX/XX/XXXX I discovered {$200.00} missing from my XXXX checking account. After spending considerable time tracing to find the source I called Third Federal and learned they had issued a duplicate check and charged my account. Third Federal committed to sending me a letter explaining how this had happened however in spite of my numerous calls I have received no such explanation from them. 
As this constitutes an act of theft I respectfully request your assistance in holding Third Federal accountable for their actions and for them to submit to me a written statement acknowledging same.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

I moved from an apartment and was told I owed money on a carpet clean. This was sent to collections to a company called IQ Data. They called me, and asked how much could i pay. I told them i dont have any money to pay it. They asked for a card to keep interest from going on the account so i gave them my credit card and told them to call me on friday ( this started on a Monday ) to see if i have the money for it. I spoke to a woman. On Wednesday my phone kept ringing at work so i answered it, I told the guy I told the woman I was gon na have them call on friday to see if? I had the money to pay the {$50.00} they wanted to do. I told him I didnt have the money for it. He kept calling me all that day and thursday and left me a voice mail message on thursday saying I refused to pay. I woke up on that friday and went to a gas station on my way to work to only find my credit card was charged {$50.00}. I called the company and spoke to a manager. He refused to give me my money back claiming I authorized the charge. This I did not do i would not do so if i am not sure if i can pay it. The manager spoke to me very disrespectfully. I called my credit card company and disputed the charge. They were suppose to provide this proof they claim within 15 calender days and according to my credit card company they did not. Today is XX/XX/2017 and I was called again from the IQ Data company stating they tried to run my card again and it was declined I told him I never said they could! I called again soon as I arrived earlier at work and spoke to their manager again, only this time he spoke awful to me. Saying I charged back the card and I got my money back claiming hes going to take it to " the next level '' and refuses to tell me what he meant by saying that. I also requested this proof of my authorization he claimed I did from the previous charge and he said " I can give it to you, but, I wont ''. I told him legally I should be entitled to this and he kept saying what he said to me speaking to me in a manor as if he was talking down to me. He was extremely disrespectful to me. Threatening me with legal action because I did a charge back on a charge to my credit card I do not ever recall doing so and refusing to provide the poof to me. I have never been talked to before by a company specially a manager like IQ Data. I got off the phone XXXX. I have never been threaten or talked to like that before.
Consumer complaint received 2017-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid, was a  charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is  stated as FP ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced  by credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason  XXXX  took such action was because I express dissatisfaction with how  XXXX  was handing my credit investigation with  XXXX   XXXX   XXXX  . The  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment