davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

In 2007, I made a decision to return to college to complete a degree I started 10 years prior. I was ineligible for student aid because although I was n't working, I am married. I had maxed out the amount of money I could take with XXXX XXXX so I borrowed from NJ class. When I graduated, I was sent a bill almost right away. I called to tell them that I was n't working and asked if I could defer/forbear the loan for a few months. I was told there were no options. With XXXX children to care for my husband and I had nothing to send while I was n't working. I called them back to make arrangements when I was finally able to obtain a job but it was too late and I was sued by their debt collection lawyers. I am now paying almost triple the amount per month than the original payment with the threat that if I do n't pay my wages will be garnished. I have talked several people out of taking loans with NJ class because their practices ; I was n't given any grace after graduation or any other options for repayment. I was n't trying to get out of my obligation, I just needed time to find a job or something that would have help during an economic hardship. NJ class feels they can get away with it because they do n't have to follow the same structure as the federal student loans but they ca n't be discharged on a bankruptcy because they are a student loan company so no matter how it impacts my family there is nothing I can do. I am forced to come up with a high payment that goes up {$50.00} every six months until it 's paid. Shame on NJ Class for giving people the false impression they are there to assist in the goals and dreams of students that just want to get an education but fall short on money.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.
Consumer complaint received 2016-08-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (DE)

Company repeatedly corrects my credit report after a CFPB complaint and then immediately puts late payments back on my credit report once case is closed. This is the 3rd time. Each time Bayview Loan Servicing acknowledged their error and each time they report negative information which is against court order and lawyer. My account has NOT been past due.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm Portfolio now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. Portfolio has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact Portfolio. I have been pushed around between Portfolio and the law firm that represents Portfolio. I am unable to obtain credit due to this breakdown in Portfolio 's system.
Consumer complaint received 2016-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

This is a case of identity theft. Navient Solutions ( A spin-off of XXXX XXXX XXXX ) is attempting to collect a debt from me that is n't mine. Over the past several years this debt has been reported on my credit report and has been disputed with each Credit agency. Periodically I would receive collection calls from various agencies attempting to collect the debt which in each instant would be higher that the last because of interest. In the past 2 months I have gotten XXXX letter and XXXX calls trying again to get me to pay on this debt. I feel there is no other recourse at this time but to file this complaint and seek legal assistance in this matter.
Consumer complaint received 2024-08-09
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. (IL)

I am seeking your assistance concerning this incorrect account reflected on my credit report. I am bringing this to your attention as it has harmed my reputation, and I need your intervention. Your mishandling of my credit report left me desperate because your erroneous reporting tarnished my reputation. It is crucial to eliminate these errors so I can live peacefully with my family.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (NC)

I am requesting that this claim be removed from my credit report. 
The creditor 's claim was made on XXXX 2010 ( over 6 years ago ) and I never received documentation on this claim. I have XXXX debt collection agencies requiring payment for the same claim originally sold to them by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued National Credit Systems seeking documentation on the claim. These are the steps I have taken with National Credit Systems : 1. I have never received any documentation on the claim from National Credit Systems, they are required to send me documentation of the details of the claim made. 
2. I called National Credit System 's home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was ever sent to me. 
3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 
4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation or claim XXXX or to remove the claim from my report. No documentation was sent to me. 
5. I contacted National Credit Systems over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. 

The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. 
The original claim made by XXXX XXXX was erroneous and National Credit Systems was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XX/XX/2016. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX XXXX and Transunion are the violating companies.
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (PA)

This is not the first time I have bern hit with overdraft fees by TD Bank despite making a deposit before an item cleared my account but I will stick to the most recent. Yesterday, I had a positive checking balance of {$38.00}. My monthly check was ( is ) late to arrive again so knowing my car payment was due to I deposited a personal check for {$250.00} by mobile deposit at XXXX XXXX XXXX/XXXX/17 before my car payment posted. My car payment of {$240.00} posted today XXXX/XXXX/17 and my account balance is - {$200.00}. Per TD Bank, my deposit the date before my car payment posted does not count ( and is not even showing online in my pending items despite being a personal check. ) Per TD Bank, I will still be responsible for overdrafting and fees. XXXX XXXX XXXX.
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (PA)

In XXXX XXXX I reached out to Discover Student Loan asking for help repaying my student loan debt. Each time the response was the same, they can defer my payments for 3 months, which only temporary helps and causes my monthly payment to increase after the 3 months defer is over. I sent emails, called customer service and each time I get little or no help. I understand this debt is mine and I am not trying to avoid paying back my debt however I have stressed multi times the monthly payments are just not manageable! After researching student loan modification I stumbled across an article written back in XXXX stating Discover Financial Services is XXXX of XXXX lenders offering loan modification programs. something that was NOT offered to me! The article XXXX states Discover would not release details until XXXX however they plan to lower interest rates on distressed customers and may even come up with loan forgiveness programs for overwhelmed borrowers. I understand each situation is different and must be worked out based on borrowers individually to repay. I like many others are looking for a solution however many complaints show that borrowers sought to negotiate a modified repayment plan with little or no help - Why?? We are trying to repay but need help. Can you please help???
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion ( TU ) is NOT providing electronic copies of credit reports via www.annualcreditreport.com. XXXX & XXXX process reqeusts correctly & generate immediate electronic credit reports. TU generates an error message. If customers submit email documenting error to www.annualcreditreport.com, TU claims to mail a paper copy to customer, but is NOT willing to make requested electronic version available. I do not want a paper copy, as I want an electronic report for my records. 

Please advise whether CFPB is able to force TU to provide requested electronic report, as I believe is intended by www.annualcreditreport.com. 

Thank you.
Consumer complaint received 2016-04-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AR)

Being a first time, single mother, I had to make the decision to use my overdraft protection. I check my balance before every transaction so I knew that I would be over drafting that transaction but the {$36.00} dollar fee was worth it to keep my son in daycare for the week. Especially when I would be getting paid in a couple of days and it would all even out. No big deal. 
Imagine my surprise when I checked my balance and it was more than XXXX dollars in the negative. Apparently, Regions decided to reorder transactions for the past few days to incur overdraft charges on XXXX transactions instead of just the XXXX transaction. This resulted in {$360.00} in overdraft charges. Instead of {$36.00}. 
When my paycheck hit my account, it was ENTIRELY gone because of this. That was money to pay bills and feed my baby. And now my phone is shut off because regions STOLE all of my money. 

I 've contacted regions several times about this matter and they give me the same answer. 'There 's nothing we can do. ' I 've filed a complaint with the XXXX they have n't responded. 

It should be illegal to reorder transactions to maximize fees.
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Express Aviation (TX)

I was attending a XXXX school. I was 6 months in when the school closed. During my registration and financial aid process, they said I would have to take out loans to attend. One of the loans is from a private loan company. I agreed thinking that in the long run it will pay off when I receive a well-paying job with the education I had received. My school convinced me to take out this loan and then I believe they breached their end of the contract by closing down. Spoke to lender and they state I am unable to discharge loans. I do not feel that I should pay the full amount of the remaining loan considering that I was unable to finish school.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i have an account with capital one. i didnt get my statements in the mail for 2 months. 
i immediately called them to let them know of the problem and it might be the turnover of our mail carrier. i asked capital one to please email me with the totals that need to be sent.i also asked them to make sure my address was correct with the correct suite #. after i recived the emails from them regarding the totals, i sent it to them immediately. i was then told by representatives at capital one that the email totals that were sent were not the exact totals based on the billing cycles since i didnt get the actual statements on time in the mail. they claimed that i was 30 days late on those 2 months of this issue and sent negative comments to all credit bureaus that dinged my credit scores.They have recordings of all my calls to them regarding the issue and appoligized for the mistake by phone.however when i spoke to there supervisor they said the issue was sent to their internal dispute department but didnt feel they made a mistake, so they would not correct it with the credit bureas. i also asked for copies of the actual statements that they sent me, which i recieved after the address correction was made, and in the package of the statements, it shows the original address on those statements where i didnt get the statements. On the outside of the new package they sent me the updated address was correct, however the copies of the statements still showed the initial address.I also told capital one that if they had sent me the actual totals in their emails to me, then i would have sent what the exact total was required. but i only sent the amount they requested in the emails. They also confirmed that with me by phone, when i spoke to their representatives and they should have those recordings as well.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (VA)

On XXXX XXXX I initiated a {$500.00} payment from my XXXX XXXX checking account to pay a Citibank credit card on behalf of my wife. I admittedly made an error by sending the funds to the wrong account by mistake. Once I realized the error I contacted both organizations. Neither of which have been able to assist in retrieving my {$500.00} payment. Upon contacting Citi 's customer service which we have done several times, they continue to say the account does not exist. We offered to send old statements with the account number and the XXXX XXXX confirmation showing that the funds were paid to Citi. They say they can not accept any faxes or emails. We are now at the point of feeling helpless because they continue to say the account is not on record. We are requesting the help of the CFPB to have Citi to research and credit our {$500.00} payment back to my XXXX XXXX checking account.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (FL)

XXXX was unwilling to cancel my account with them and charged me for a third cable box when I returned two. I paid for two boxes for nearly five years, I do n't keep my past bills but their were two televisions in that place of residence. When I called XXXX to ask for a copy of my last bill they said since I 'm not a customer anymore they do n't have that information on file. It took me nearly two hours to cancel my account and the person I spoke to was irate about it. In the long run, I never had a third cable box and they 're billing me for not returning that box.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having 2 missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I was dismayed to find unauthorized inquiries on my credit report today, and I have no idea how they got there. I regularly check my credit report, but this time, unexpected discrepancies appeared. I tried refreshing the page, thinking it might be an error, but the unauthorized inquiries persisted. I strongly urge that the documents I've provided be carefully reviewed to prevent any future concerns.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per your request I 've submitted the documents you require for my address change via XXXX and my new address reflects on TransUnion. 

Attached is the updated letter from the XXXX account ending in XXXX confirming me as an authorized user for the primary account holder. Please let me know if you require any further documentation to have this account re-added to my credit report. Thanks.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed bankruptcy in XX/XX/2014. It was discharged in XX/XX/XXXX of that year. However, the Transunion report is showing XXXX accounts that have not been updated since I filed in XX/XX/2014. Those accounts refuse to update the information on the Transunion report to show that the account was discharged in Bankruptcy. XXXX wrote a response stating they did not have to correct it because their files indicate it is discharged despite the credit report showing otherwise. XXXX has updated all accounts to show they were discharged in bankruptcy. Also, these accounts on Transunion still list the highest balance, which is well above my credit limit, date of last payment, and also list them as derogatory while the other agency has updated correctly. It should be noted I had issues with XXXX updating either credit report. I asked them to do what the law states and they told me they do n't have to because I am not " understanding '' the law correctly. All I want is the information corrected to reflect what is accurate. As stated before, they have not updated since I filed for bankruptcy. Thank you.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

This input relates to a complaint I filed that was assigned case number XXXX. Citi Mortgage gave a response, which I responded to on XXXX/XXXX/16. My question was, why was Citi threatening me with foreclosure while offering me a loan modification at the same time. More importantly, I was under a bankruptcy stay when Citi threatened me with foreclosure. I am once again asking Citi to answer this question. They have failed to answer it before in the case number I referenced above.
Consumer complaint received 2016-12-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

We bought a car from Toyota several years ago. The XXXX CA office carried the paperwork. We paid the car off last XXXX and they sent us a paid in full ltr but have not cleared that loan with the reporting agencies as a {$390.00} balance. I disputed it online and sent the them a letter asking them to clear it to no avail!?