davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I was leasing a car from Toyota Financial Credit and Toyota wanted to take the car back a few months early so I went XX/XX/2015. I believe it was on XX/XX/XXXX. I left the car and signed off on the mileage and leased a new car, a XXXX RAV4. The dealership representative, XXXX, sorry it is true, did not complete the paperwork. I continued to get a bill for the car I gave back. I spoke to Toyota Financial Services several times. They were less than helpful and even tried to say that they did n't care about the dealership, that I had a contract with them. They said, they knew obviously that I did not have both cars. It was only after I told them that I had a contract with them and would be in that night to pick up the Camry that they panicked and located the papers where I of course had signed off on the mileage and traded in the car in XX/XX/XXXX. They had the nerve to put on my credit bureau that I was delinquent in paying my car payment for the car I did not have since XX/XX/XXXX when I gave it back. They billed me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. It was only through a mortgage refinance inquiry that I found out they did this. When I tried to call them, 3 times, each time they left me on hold for 50 plus moments and then would suddenly be gone, leaving me to have to call again and start the 50 minute process of waiting, never having helped me. I am beside myself with anger. I have been a customer of theirs for 20 years. I have never been late or missed a car payment when I bought or leased a car. This is unacceptable. They also promised me when I spoke to them and they realized their error, that this would not happen. I am going to make a complaint against the dealership as well and I hope to have the person fired that handled my car. Often people consider what that could involve, but in this case it is appropriate. When I called the dealership, instead of being helpful the manager tried to accuse me of not reading the contract etc. Of course I signed off! His XXXX dealer did n't do his job. Now I am after jobs as this is unforgivable. I am an XXXX XXXX, work very hard and the least I should expect is honesty and compassion. XXXX XXXX XXXX
Consumer complaint received 2016-04-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: United Debt Holdings, LLC (FL)

Stated his name is XXXX and that he is calling on behalf of the state legal support service department and he was order to dispatch someone to the residence or employer of my name. I am to be serviced court documents. That I will need XXXX forms of documentation and if I have questions or concerns to contact XXXX. Failure to do so will result in a bench warrant by XXXX tomorrow.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Please help me, I have disputed previously a couple things with Experian, provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Pinnacle Credit Services, LLC (TX)

I have received at least 4 phone called from Pinnacle credit services. On every phone they say they have sent me a statement letter or statement they ask me to verify my address which I do but tell them I have not received anything from them they said someone was probably checking my mail. So I told them on a phone call to send it via email have them the email and had them call me back that day so I could tell them I received or did n't. Which I did n't received anything via email. They said they were going to mail it out again and email again. End of phone call. The next time they called I told them look I 'm really want to settle the account but I need a letter stating my acct will be cleared after they receive payment and they will no longer contact me for the remaining balance or sell my acct to another collector. They sent me to the manager who was very rude. And said they could n't send a letter stating that until payment was received. I told him look I 'm not about to pay something I have no record of your collecting agency, for all i know you could be stealing my information and money. He said they was the company and that i could look them up on google. i told him to send me a certified letter so they are price I received the statement. He said they were n't going to do that. I do n't see why they would n't send a certified letter of I 'm willing to settle the account unless they are a shady collector or false people wanting to scam.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

Hello. My name is XXXX XXXX. My email is XXXXXXXXXXXX I was almost relieved to see the Lawsuit agaisnt Navient, as i have a loan with them. For the last year they have been lying to me about co-signer release, stating that it was a possibility if I went through a differrnt payment plan, which I held up my end and paid on time only to find out they lied to me and my co-signer ' can not ' be released. I also still have in my position a copy of the refund check of {$520.00} that Navient LOST and I had to get the Better Business burough involved to locate the money they lost. I have been consistently mislead and lied to by this company.. they deny me income based repayment and are the absolute worst customer servicer I have had, which is saying a lot because I was switched over, not by choice, from XXXX XXXX . I think loans should be forgiven when the Loan Provider Navient is abusing and misleading their borrowers for personal monetary gain.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

I went to XXXX in 1989. I started with a {$6000.00} loan. I was a single mom and could n't pay this loan. It is now $ 39,000+. I wanted to go back to school so I contacted XXXX for my transcripts. THERE 'S NO RECORD OF MY EDUCATION? NO RECORD OF MY XXXX. This school closed down many years ago. My question is why do I have this outstanding loan with no record of my education that I would even be paying for?!?!?!? 

Navient is my lender. They will get me no answers or resolutions XXXX.
Consumer complaint received 2016-11-16
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I went to a Bank of America ( BoA ) branch on XXXX XXXX XXXX XXXX XXXX MD to set up an automatic bank transfer to XXXX XXXX to pay my landlord their rent. On XX/XX/XXXX the funds were extracted out of my account and transferred to the account set up on the bank transfer. On XXXX my landlord notified me that they had not received the funds and the information they provided for the account transfer ( routing & account # ) was wrong. I immediately contacted BoA national office and was told they needed to check and I would receive a call back. On approximately XX/XX/XXXX I returned the call, having heard nothing, and was told there was nothing they could do but I could reach out to the local branch to find a resolution. On XX/XX/XXXX I took off of work to make an appointment with BoA in XXXX XXXX. There I worked with an associate who, after 3 hours of work and getting the run around by BoA, was able to draft an unofficial letter requesting the funds. This letter was faxed to XXXX XXXX. Unable to receive any more information, on XX/XX/XXXX I called back to the local branch and was told that XXXX XXXX claimed it was not the correct letter. They needed a " letter of indemnity '' from BoA. On XX/XX/XXXX BoA generated what I was told was the most official letter they could provide. This letter simply stated that funds were transferred out of my account to XXXX XXXX. Again, XXXX XXXX said this was not enough. It is now XX/XX/XXXX and this issue is still without a resolution. I know that it is illegal for individuals to spend money that they received incorrectly. So I am just looking for BoA to work with XXXX XXXX to retrieve the incorrectly transferred funds.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NV)

To start I was going to a school called the XXXX XX/XX/2006. I am not a US citizen, however it was never explained to me that I would n't be able to graduate if I did n't have proper documentation so after two years I was told I could no longer attend but that I would still be required to pay back all my loans. I was young then and ignored everything and let the loans default. After several harassing calls from collection agencies through the years I finally caved in. I understand that I should n't have let them go into default but I still felt that they should n't have approved me for these loans in the first place knowing very well that I was n't a US citizen given the amount of time it tames to become one. One of the last times I got contacted by XXXX Services they told me that I could pay XXXX all at once and my entire balance would be paid off. My loans are over XXXX for all three. I told them they were crazy. There was no way I could do that. The guy I spoke to advised me to take out a loan with my bank or something and I told him that because my credit was so bad because of these defaulted loans I would n't get approved at all. He told me to figure it out and hung up. Again I started ignoring the calls and finally the last time the guy said that I could pay XXXX and the XXXX each month until XXXX and XXXX of the XXXX loans would be paid off. Then the larger one I will have to pay over XXXX for that and that I would have to figure out after XX/XX/XXXX on how to pay that back. Aside from feeling that I should n't have had been approved in the first place has been my last experience with XXXX XXXX XXXX. Just talking to them on the phone it did n't sound like they know what they are doing. They sent me a couple of faxes and at XXXX point they had my name and address wrong. I 'm afraid that i 'll pay this and when it comes to XX/XX/XXXX they 'll XXXX say that it was never applied to the principle and I have just been paying the interest down. I just do n't know what to do.
Consumer complaint received 2016-06-17
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have made repeated attempts with XXXX XXXX to resolve a charged off account from 2010, the collectors and managers are rude and unresponsive to my request to arrive at a reasonable settlement, they demand an amount I can not afford to pay, the account well beyond the statute of limitations and remains on my credit report. The company that purchased this debt from the issuer is located at XXXX XXXX XXXX, XXXX, VA XXXX phone:XXXX, this matter could have been resolved long ago if it were not for the greed this company has demonstrated.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WV)

WE borrowed money for our oldest daughter to attend college and began paying it back after graduation in XXXX. In XXXX we filed a chapter XXXX bankruptsy and the trustee took over paying on this loan. At the time she took it over we still owed {$3800.00} on it. She paid on it for 5 years and paid it off. We have proof of payments. But 6 months after our bankruptsy was discharged we got a statement from Navient that we still owed over {$1100.00} on the loan. I sent everything that we had to Navient showing them every payment that was made. Our trustee paid to an address in XXXX and Navient 's were billed out of XXXX XXXX XXXX. They sent back what they had and our records do n't match. They do n't show all of our payments/ I 've sent copies to them over and over and called them repeatedly, to no avail. Today in the newspaper i saw the article about the complaints several consumers are having with Navient. You can add us to that list. I have proof that our loan was paid off.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

I am writing about Navient Corporation. I applied for discharge due to XXXX in 2012. I was approved and my loans were discharged. I have also now completed the 3 year monitoring period successfully. The people at the Department of Education as well as XXXX have been fantastic. The communication was great. So now I see on my credit reports that these loans who were serviced by XXXX and Navient originally are showing late and have ruined my credit score. I have contacted Navient and have also disputed the details with the credit bureaus. Nothing has changed. Navient refuses to make any changes to my bureau. So basically I can not buy a home, car, or anything else. I would like to own my own home in the last years of my life. XXXX. Navient refuses to help me. I have never dealt with such a terrible company.
Consumer complaint received 2016-06-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates continues to try and collect on a debt ( ostensibly XXXX XXXX ) that is time-barred by at least ten years. It has refused to provide validation/verification of debt despite oral and written requests from me over a period of years. The most recent request was during a phone call at XXXX on XXXX XXXX, 2016. Portfolio telephone number made from ( XXXX ) XXXX. Portfolio action includes multiple calls to my cell phone without my consent
Consumer complaint received 2017-01-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Foreclosed on by boa after loan modification was given which raised our payment $ XXXX. We properly filed paperwork which detailed multiple medical issues with my wife who had 2 different XXXX & treatments over a 17 year period. I have documented proof of securitization9bana, cig, hfi,1ST LIENS , GOV REW ) & multiple sales afterward. We tried for many years to talk to boa but were consistently told different answers, transferred to other depts., disconnected, told boa did not receive docs, etc., etc., I eventually hirde an attorney who was also given similar treatment ( XXXX ) until we ran out of time & money, just like millions of other American families! so sad!!! It all started with our original mortgage with countrywide, which began this fraudulent nightmare. I have a lot of documentation to support this illegal foreclosure & hope you have the integrity & honesty to assist this American consumer who could have easily been you or someone in your family! 
.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (UT)

I was enrolled at XXXX from XXXX. During that time student loans were taken out based off of XXXX telling me that my tuition would never go up and I would be making XXXX a year right out of college. After doing some research I found out that XXXX had lied to me and due to the government pulling their funding based off of illegal activities I sought to have these student loans discharged along with my private ones. Per the form I sent to Navient there is a fine print item that says If you withdrew more than 120 days before the school closed, you may be eligible for this form of discharge if the Department determines that exceptional circumstances related to the school 's closing justify an extension of this 120 day period. Examples of exceptional circumstances include but are not limited to the closed schools loss of accredidation, the closed schools discontinuation of the majority of its academic programs, action by the state to revoke the closed schools license or a finding by a state or federal government agency that the closed school violated state or Federal Law. Per that disclaimer Navient must wipe out the lines and any interest that accrued during that time period. They must also reimburese me on any payments I made towards those lines at that time. Navient has denied my request twice stating that I was out of the school for longer than 120 days. When I brought up the terms and conditions with them they denied it again. If Navient does not discharge the loans taking out during that time period they will force me to seek legal counsel and sue them to have the loans discharged. I meet the requirements for the loans to be discharged so they must be discharged. XXXX had their funding pulled due to fraudulent activity and statements made by the company. I never would have went to XXXX nor would I have pulled out student loans if I knew the statements they were telling me was false. Furthermore, Navient has discharged student loans for other people past the 120 threshold for the same reasons they just went to a different school. A few of these people I know personally and that is how I found out about this. If Navient is going to discharge the loans for one person based off of this they must discharge them for all the people meeting this requirement otherwise they are discriminating against me. Which would be a violation of federal law.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SD)

I have been paying my loans since 2006, I struggled at first as I was just out of school.I did what I could and was into at least XXXX forbareneces, never once asked if I wanted to do income based payments. Now 10 years later I 'm still paying and for the last 5 years I have been over paying my loans to the point that they say I do n't have a payment due for 2 months. On top of it all the payment has shrunk. There is no definite due date and as I keep over paying the payment gets smaller. This is rediculus, I own a house and if I over pay I still have to make the same payment ever month. They are XXXX me and XXXX out of money cuz of the way they set up loans. No one will ever get out from under the debt.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

There is line item, after line item, linked to my credit history that belongs to my former spouse. For example : filing for bankruptcy on a house I never owned, to bank accounts not in my name, credit cards, among many others, has somehow become attached to my credit history. I just discovered this information in a recent credit report request. It 's never shown up before. Why now? How do I remove this from false information from my credit history? Is this the only site that I can place this information? I am supporting my XXXX children and have suffered from this false reporting. Thank you.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

I recently contacted our mortgage lender to initiate a loss mitigation application to see if our loan would qualify for a modification. As of XXXX XXXX, 2016 all requested documentation was uploaded to their document portal and they have informed me the request will be reviewed within 30 days. 

I received a letter, dated XXXX XXXX, 2016 that states Caliber Home Loans is transferring our mortgage to XXXX XXXX XXXX, effective XXXX XXXX, 2016. 

I just finished yet another telephone call, expressing my concerns for the loan being transferred while the loss mitigation/modification request are in the middle of review. 

I fear our loan is going to slip through the cracks. We do n't want to lose our home of 17 years because our voice was not spoken loud enough. I need this company to pay attention to the issues being addressed. Currently, I feel as though we are another loan being sold, another number on the books and we are at jeopardy of losing our home due to this companies oversight/negligence. 

At the beginning of this process, I did contact XXXX. They referred me back to the lender, stating if there is anything at all that could be done, any government program we would qualify for, Caliber Home Loans would know about it. 

After working with this company for the past few months and especially after receiving notice of the transfer, I do not feel as though they are trying to help whatsoever and just want to pass the buck to the next lender. 

Please help.