davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I saw an ad online from XXXX for helping consolidate loans. I contacted them, gave them my information about my loans and they put me in contact with XXXX to process my payments to them. 

I used XXXX to help apply for a lower monthly payment plan. They processed my paperwork and moved my loan servicing to Navient. They failed to migrate my Perkins loan to Navient, so now I have to pay a separate business for this other loan. I was completely unaware that my Perkins loan was n't included in my new payment plan until AFTER I was notified that a bill was past due. 

Before attempting to refinance my loans, I paid all of my federal loans with one monthly payment of {$160.00}. Now, I have to pay $ 175 monthly to Navient in addition to {$230.00} a month to separately pay for my Perkins loan. 

All of this is not including monthly payments I have to make for private loans.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

My monthly payment recently increased ( almost doubled ) and unfortunately, I did not realize as I have the payment set to pay automatically each month. I made payments each month - just not the new amount evidently. Navient called me to tell me that my account was past due and that the late payments had been reported to the credit bureau. When I inquired as to why the monthly payment had changed, I was told that I had XXXX loan that had not been included in my consolidation, and that that loan had been in forbearance ( I did n't realize I had any loans in forbearance ). I was then told that the new payment now included my consolidated loans plus the loan that had been in forbearance which was now due. I requested paperwork to re-consolidate my loans, but after looking through additional paperwork that I had on file, it appears that I am on a graduated repayment plan. I called Navient again to try to figure the situation out, and the representative was not helpful at all - she told me to go to the XXXX website. So I still do not know if I have a loan that was not consolidated, or if my payment increased because of a graduated payment plan. I feel that if I had had a loan in forbearance, that I should have known about it ; that if I was on a graduated repayment plan that I should have been told ahead of time that my payment would soon be increasing ; and if I made my payments on time although not the proper amount, that it should not have been reported to the credit bureau.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I saw on the news this evening a woman who has a large amount of student loans and her story is very similar to my own. I knew that I would need to pay back my student loan, but the monthly payments were so high that I could not afford to pay the monthly payments. I have requested an income based repayment program to no avail and I can not afford the {$2000.00} per month payment. Now my loans have accrued so much interest and the payments are unmanageable. I have called and spoken with. numerous representatives from Navient ( formerly XXXX XXXX ) and each time, I do not get any solutions, just an option for forbearance. I want to make payments and resolve my accounts, I just can not afford the payment requested.
Consumer complaint received 2017-01-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Esser, James & Associates (NY)

Me and my father-in-law both have been harassed by phone by Esser James and Associates daily for 6 months. Esser James and Associates were looking for a woman named XXXX XXXX, who we have never heard of, and has never lived in our home. We contacted the Attorney General to make the calls stop, but instead of stopping, they moved on to calling my and my father-in-law 's personal cell phones. The calls stopped on my end when I let my prepaid cell phone run out. They have been relentless on my father-in-law 's phone, however. I 've been looking for solutions to make these people stop harassing my family looking for a person who does n't exist in my home, and who we do n't know, but have been unable to find a solution.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (FL)

Initially when I enrolled with XXXX ( changed name to XXXX XXXX XXXX ), I had hopes of getting job placement assistance along with being able to continue my education in a college. Since receiving my XXXX diploma, I have not been able to obtain a job in the XXXX industry and was never able to continue my education with a college without having to start over. I am now trying to attend college and the loan continues to appear and cause problems with financial aide. I 'm unable to pay the loan, it has been sold several times and I 'm unable to get my transcripts from the school now that they are closed. Also, with the school being closed now, it 's like I 've never attended any type of higher education. I 'm asking that this loan be forgiven in order for me to move forward.
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (TX)

My American Express card was charged by a merchant in XXXX. This charge was unauthorized and when I contacted the merchant, the unauthorized charged was reversed. However, the original charge and the refund posted by American Express was on different days and therefore, I was responsible for the difference in the XXXX denominated charges. This inaccurate charge is costing me {$49.00} and American Express is unwilling to correct this error.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (RI)

On XXXX XXXX, 2015, I made a {$1000.00} payment on my American Express Card to satisfy the XXXX XXXX due date. On XXXX XXXX, 2015, I made a {$5300.00} payment to satisfy my payment due XXXX XXXX. American Express refuses to apply my latter payment as I intended and has instead charged me a late fee because the payment was received prior to XXXX closing the former business cycle. I understand " billing cycles '' are a necessary function of any financial institution, but I also know that transferring funds from XXXX ledger to the next is n't rocket science. American Express is, in effect, penalizing me because I paid my bill too soon, and this seems akin to theft.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I opened a HSBC choice checking in XXXX through a sales rep over the phone and was confirmed that I was eligible for a {$350.00} promotion offer for opening the account. 4 months down the line, I even got the rep at HSBC acknowledge that I was guaranteed to get the {$350.00} and that I could store his chat for records. Today, I received an email from HSBC stating that I had a credit card that they closed in XXXX due to non activity. I was informed that because of a credit card that I became ineligible for the bank promotion. This was never informed during account opening and it seems like a bait and switch on the part of HSBC. If it was an issue, why wasnt i informed when I opened the account when I gave my SSN and all other supporting documents to open my bank account. I should have been ineligible at that time as well but on the contrary they even confirmed that I should get my bonus by XX/XX/XXXX. I would like to get my {$350.00} promotion
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

In 2014, Navient did not consolidated my student loans correctly and ( although I called multiple times a week and documented my phone calls for my own records ) it took almost an entire year to correct. I was told to put the loans into forbearance until their error was corrected and I ended up having the interest that accrued during months of forbearance applied to my principle amount. Navient also miss calculated my payments and set me up with a payment plan that paid less than the monthly interest that accrued. After a year of making the payments they told me to make, I owed more than when I started. Numerous times I asked for a record of how my payments were being allocated to the total loan amount and was never provided a way to see this. After over a year of struggling with this company, I transferred all of my consolidated loans to a different provider. I still have XXXX unconsolidated student loans with Navient which makes me uncomfortable. I do not believe my account was managed appropriately and I believe ( despite numerous attempts to fix this via phone conversations ) Navient did nothing to fix my account because they were able to profit by not fixing it. I was scammed. I have documentation of when I called, who I spoke to, what was I was told, and how nothing was done to fix my account. 
This was for XXXX loans I took out while attending XXXX XXXX XXXX University.
Consumer complaint received 2016-07-15
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: Stephen Einstein & Associates, P.C. (NJ)

I received a letter saying I owed a debt to XXXX XXXX services for a car loan for XXXX I am guessing that the car loan gave the to a law office by the name of Stephen Einstein & associates P.C XXXX, NY XXXX XXXX On XX/XX/2016 I received a letter stating that the creditor no longer was pursuing the debt without prejudice. so I no longer was thinking about this matter. On XX/XX/2016 I received another notice stating that the law firm was now pursing me again for this debt without any explanation I am very confused as to what to do about this matter.
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America WRONGLY and ELECTRONICALLY debited {$870.00} from my checking account, XXXX. I NEVER authorized a bill pay payment to XXXX XXXX on XXXX/XXXX/2016. They claim I did - I DID NOT. They are REFUSING to refund the money to me. 

This situation is a great example of the extreme power XXXX BANKS have over small consumers. PATHETIC!
Consumer complaint received 2024-10-04
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXXXX/XX/year>
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (LA)

I do not know what they want. I googled the number that calls me multiple times a day and never says a word when I answer they always just hang up and the voice mail has a beeping noise and thats all. 

XXXX XXXX XXXX XXXX is what XXXX says
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-01-20
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 sent into XXXX XXXX loan service information of my doing Public Service as asking for public service forgiveness. I worked at the XXXX 25 years. They offered me XXXX=permanent but have not considered the Public Service that I did. I have federal loans and I have XXXX Private Loan with Navient. They messed up my credit by placing default on credit. I am XXXX and have worked for the XXXX 25 years. I talked with a lawyer for advise who was going through the same thing who told me to put in a complaint. My loan amount have gone up with sky rockingting interest rates hooked onto them. I have asked for Public Service Forgiveness and was denied. I do not want XXXX because this amount in interest will be turned over to the IRS and I would have to pay this. I want forgiveness for my time helping students in the school system. Just days ago I signed for the IBR because I really do not have any money to pay back. I am a XXXX who only wanted to better myself in school and I worked to take care of children with XXXX in the XXXX. I want forgiveness, also. I want this extra interest taken off and forgiveness given to me. I want the default taken off my credit because by me being a XXXX I might need some financial assistance if my health gets worst again. I need help. I need help.
Consumer complaint received 2016-05-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AR)

On XXXX 2016 I sustained weather damage to my residence. My insurance company issued a check for the repairs in my name/lender. I contacted Specialized Loan Servicing damaged property department on the procedure in getting the check endorsed by their company. The representative gave several documents that was required, to do list, that was needed with the check. I mailed the check endorsed by husband and myself with the to do list documents via federal express. I verified the check and documents received by the loss draft department which was received on XXXX XXXX, 2016. I waited several days after not receiving anything in the mail to make contact with the loss draft department of SLS. The representative told me I was missing the XXXX items which was the contractor 's waiver of lien and the signed copy of contract. I explained to the representative that this document was not apart of the to do list given by the first representative. The asked about the procedure again to be sure I understood what to expect next. The rep. stated my check was deposited into an account and once the check cleared a check would be made payable to the contractor and myself. I asked about the interest on the check and she stated its deposited into a non-interest bearing account, so no interest is paid to me nor to the lender. I stated, that really did n't sound like accurate information but.. whatever. I forward the XXXX outstanding documents to them to release the check. I once again verified receipt of the documents, received on XXXX XXXX, 2016 by loss draft dept. I did a follow-up call with SLS, loss draft department again on XXXX XXXX, 2016 informing them the work will be completed on the XXXX and funds needed to be released. I also requested the final inspection from their inspector since the rep. informed me it would take two weeks to get an inspector to sign off. The rep. informed me i would be getting the funds via fedex and provided me with a tracking #. I did not get the funds on the XXXX as promise so another call made on Monday XXXX to XXXX office XXXX XXXX. I explained my problem to his assistance that I 'm trying to get funds released to pay my contractors and not getting any cooperation from Loss Draft Dept. She forwarded me to Executive Services to be told that Loss Mitigation ( Draft ) department is not their area and could not help me. I make another call to XXXX XXXX office today XXXX and was told the same thing that XXXX XXXX can not retrieve my loan information and can not help me. I called Loss Draft to inquire once again about funds. I told them the money was debit from my impound account on XXXX XXXX, 2016 ... why have n't i received the funds? It has been since XXXX XXXX until present XXXX XXXX, 2016, I cant get funds released and no interest on a very large deposit to SLS account. 
SLS, Loss Draft Dept. is making a large return on other individuals insurance claim checks. Where 's the interest on my insurance check and where are my funds?
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

I tried to put my loans into the income driven repayment plan before my payment XX/XX/XXXX. They never got back to me about approving it or me not getting approved for it. Instead they totally and completely ignored my request and kept billing me. I 'm up to about {$600.00} now for 2months payments and they keep harassing me through my email. I have n't heard anything from anyone except Your loans are past due and your account requires action. I 'm fed up with these people! It 's going to make me go into default and then be in bigger trouble or force me to go into forbearance which I do n't want to do!
Consumer complaint received 2017-01-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC (NJ)

Hello, what happened was I ended up getting the car I got with loan threw J.D Byrider. As the car got stolen, n reported stolen whomever stole hit totaled the vehicle and left it. The state police around XXXX, nj found it and brought it to a towing place in XXXX, nj. Filed the stolen car report and it took 8 months for cnac to place claim. When it finally went threw it was only XXXX XXXX and sum deducted from loan pay out. That was full coverage I had, usually full coverage, theft, etc. J.D.Byrider did n't even go n take pics. To put claim in! They expect me to pay back the loan, I have n't the vehicle, n as I said got their full coverage threw their co.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I Struggled for so long with my student loans. It was and still is an absolute nightmare when it came to the repayment. Trying to contact them to have them explain things or figure out a plan was nearly impossible up until I missed a payment or was late with one. Then they would call me to harass not understanding I was out of work. I had to ask for help from my mom that would then put her Income tax return money to help pay and they of course messed that up by not allocating the money the way I requested and they even charged me 2 times a month. Needless to say that they had me so utterly confused and had no idea of how to resolve my concerns because I felt something was very odd in the ay they ran things.They urged me into an option of forbearance not mentioning that the interest would continue accumulating. 
I even recently had come into money from my brother that was for my XXXX but I decided to try and get this nightmare off my back by trying to settle out of this and made a payment of {$6000.00} towards the loan, yet they would not take my offer and said I had to pay off the full amount. Now that I made the payment I CANT GET THEM ON THE PHONE!!!! It always seems to disconnect! I am so worried that they are not allocating the money correctly and not working with me in bringing down interest! 
Pretty much all the charges I have heard on the news are very SPOT ON, I kept stating that I felt I was paying that Principle balance over a XXXX times over. Things seemed so very odd.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph
( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXXXXXX 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 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 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 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