davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: TCF NATIONAL BANK (IN)

TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
XXXX F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO TRANSUNION AND EQUIFAX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

XXXX T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT XXXX DISCHARGE UNDER XXXX MODIFICATION BY XXXX MORTAGE.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

Put in a deferment and they say never got it. Have done it three times now and still say nothing but you owe and need to pay. Also was XXXX that 's why I could not Finnish out the semester. But still got charged for the whole thing. No one will help
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I was a victim of identity theft and noticed a collection from MERCANTILE ADJUSTMENT BUREAU I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MERCANTILE ADJUSTMENT BUREAU in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
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. (PA)

I had a student loan with XXXX XXXX. It was the worst experience I ever had with a company. They do not care about their customers at all. I have been bullied by these people before. When I was struggling to make payments I actually had someone tel me I should n't have take out a loan I could n't pay back, and question why I would take out a loan I ca n't pay pay back. but life happens and I fell on hard times like many Americans and this company did n't even offer to help me one bit. I had catch up on payments before I could do a forbearance with them. At that time my fianc was sick with XXXX and not working and my paychecks went to keeping a roof over our heads. 

One time I had someone call me for a payment during my grace period and when I told them I was driving and would do it online later ; responded by telling me she would wait for me to pull over to give her my information. I honestly have never had XXXX good experience with this company. 

Then Navient took over my loan and I thought it would be better but it was n't. It was the same bullies operating under and different name. These people call you after XXXX 7 days a week and on holidays. Like most people life happened again and I could n't afford my payments they were one {$200.00} a month. I tried to do another forbearance but the man I spoke to told me I could n't I had used them all up. In the end I somehow got rigged into paying more than my normal monthly payment to " catch up ''. 
Recently, XXXX started the process to refinance my loans and while dealing with this company a " manager '' that I spoke with literally gave me a XXXX XXXX. He was yelling at me about making payments and they told me he was going to sue to me. I could n't believe the way this guy spoke to me like I was trash, trying to better myself because they were n't helping me. They kept saying they could help but no option helped because it ended with me paymore than I could afford. I was very willing to pay them but they did n't care to offer me anything to help me make affordable payments. 

I could go on and on I have been dealing with these people for almost 10 years. 

There is even a XXXX page called I hate XXXX XXXX. How these companies have gotten away with this for so long is crazy. I have been keeping record of how they have violated the law with there calling to collect funds and things they have said. Because they probably do n't keep record of the phone calls that end up with customers in tears. 

I work for a company that works with XXXX XXXX and I would never in my right mind suggest or let someone take out a loan with Navient or XXXX XXXX
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

A bankruptcy from XXXX XXXX XXXX keep showing on my XXXX reporting companys The problem is they should not be on my report. I sent them proff of the dismissal letter and they overlooked it. They also are still reporting another bankruptcy that was also dismissed back in XXXX it also should not be on my report. As a result of this I am not able to get the Va home loan that I need for my family. I have also been turned down for credit due to this Please get them to take the multiple credit inQuiries off credit so that I will not have a problem getting a loan. I have also asked them to take off a collection from a hospital in texas that did not file my XXXX claim and as a result they have got a collection on my credit that should not be there, I have tried to get them to remove it but I guess they refuse. All want from these people is to clear up the mistakes on my report.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

I feel that I am the victim of predatory lending. The school that I attended was fraudulent, and it is now closed. The school was not even accredited. I received almost {$48000.00} in private loans from XXXX XXXX to attend the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. My loans accrued interest while I was in school at a high interest rate. However, upon graduation when I was unable to find a job in my field I put my loans in deferment for 24 months. During that time each payment that I deferred was added to the principal of the loan, and interest was then added to that amount. I was also charged a fee to put my loans into deferment. Since I have been making payments on my loans to Navient all of the money has gone toward interest and fees. For example, in 2014 I paid Navient {$7000.00} in interest. I was told by a representative at Navient that when my loans are finally paid off in 30 years I will have paid over {$150000.00}. The {$150000.00} does not include any fees. I feel like it will be impossible for me to repay my private student loans.
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. (OH)

I 've been XXXX for 4 years and am unable to work due to a XXXX condition. And they 've repeatedly forced forbearance at me rather than put me on an income repayment plan or release my debt due to XXXX and I am not currently, nor have I ever been on XXXX or XXXX so I have XXXX income. They have offered me no options. Forbearance or pay.
Consumer complaint received 2017-01-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has repeatedly represented to me l have submitted multiple requests for mortgage assistance ( RMA ) without providing copies of the RMAs upon receipt of my requests to do so. 

Starting in XXXX, Bank of America began to provide me with boiler plate template letters stating I have forwarded financial documents as part of a RMA application package. Since XXXX I have requested these documents and informed Bank of America of my on going concerns regarding identity theft and that Bank of America may have compromised my financial, personal, and privileged information since I have not submitted any documentation whatsoever as part of a new RMA or modification application package constituting reapplying or restarting the modification process as the modification process based on my RMA of XXXX XXXX and subsequent application package of XXXX XXXX is pending to date, as a matter of law, and will remain incomplete until a written determination letter is issued to me by the Appeals Department based on the XXXX XXXX, XXXX Appeal Report conducted by Appeals Specialist XXXX. 

107 ) Federal Trade Commission Act. 
108 ) Fair Credit Reporting Act. 
109 ) Equal Credit Opportunity Act. 
110 ) Home Mortgage Disclosure Act. 
111 ) California Identity Theft Resolution Act. 

Smart phones got apps. The government got Acts. If financial institutions are doing things they know they should n't, chances are there 's an Act for that allowing for the behavior to be addressed. 

All previously mentioned resolutions are desired and mandatory. Additionally, Bank of America must provide complete true and correct copies of all RMAs, application packages, and supporting or supplemental documentation along with all modification initial determination letters and subsequent appeal determination letters, if applicable, associated with this account.
Consumer complaint received 2017-01-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (MI)

I was approved for a {$500.00} loan through Big Picture Loans. I was unaware of the 850 % interest rate that would result in a {$4000.00} worth of payments also they had starting auto debiting my checking account for {$200.00} bi weekly. I was not able to see the truth and lending disclosure until after the funds were delivered to my bank account, There is no billing statements or any mail being delivered to my address from this company, to even show what date your account is being debited they only send an email stating they took money from your account. I feel this Illegal.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I started the payment plan with the department Of education in XX/XX/XXXX I was only billed {$5.00} A month as long as XXXX consecutive payments were made of my income. After the XXXX consecutive payments navient took over as my loan servicer. I had received an email saying starting XX/XX/XXXX I had to pay {$390.00} a month horrified of the email because I can not afford that I had called customer service and she had told me to put a forbearance on my loans and fill out a request for an income based repayment plan. I went to the IRS link provided and imported my tax information straight to the income based plan. ( MIMind you I did n't even make {$XXXX} in XX/XX/XXXX ) I received an email the next day saying my request had been received and is processing. I received another email from navient stating I owe {$390.00} due XX/XX/XXXX. Ii have an almost {$400.00} student loan payment on an {$XXXX} Income and also checked I 'd like my servicer to provide me with the lowest monthly payment possible. Which obviously is not the case.
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. (TX)

Navient is making it impossible for me to pay back my loans. I called navient to try to set up a payment arrangement. The person told me that my loans are not with navient yet they are still with XXXX. I called XXXX and they of course say navient has my loans. No one can tell me where my loans are so that i may start paying them back. And i have not recieved any current statements or letters.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I Was Waiting For Sec XXXX To Approve My Move The Apt Wanted Me Out They Did Not Take My Rent. So Housing Moved Me Even After They Paid The Rent For That Month But They Did Not Like That So They Filed With Collections. Then They Placed It On My Credit But I Proved Them Wrong They Took It Off Then Placed It Back WHY?
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Topic! 
Santander bank XXXX Pa. 
I had a checking account bal. of {$1600.00} on XXXX/XXXX/17 a check came in {$39.00} for payment from my account on XXXX/XXXX/17 That same morning XXXX I made a cash deposit of {$800.00} and check deposit of {$350.00} ... 
My account was charged a {$35.00} overdraft fee ..Santander bank has been doing this and charging these fees on a regular basis..at times the bank fee is correct in the overdraft charge ... but at this point with a cash deposit to cover the fee that same morning seems excessive and fraud to me ... 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I am not sure how to go about requesting this type of change to my credit reports. Currently they all show that I have a credit history of 14 years when in fact it should be around 24. My credit score is listed as being adversely affected due to the shortened reporting and it leaves out payment in full of 2 mortgages, 2 car loans, and a student loan. Is there any way to have these items restored to my report?
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have responded to all the repositories 3 different times through their websites and by mail over the pasat 2 months as recently as XX/XX/2016 to correct their errors and they have not done so XXXX Accounts closed at my request due to fraud charges.Reporting Terminated Mortgage and Equity Line Paid off 10 years ago-used in determing my credit score Stating too many revolving accts-only have 2 and the balances which I pay off each month are one half what my allowable credit limit is Report states too many inquires-never made an inquiry. Any inquiry that may have been done was unauthorized and illegal Showing residence addresses I never lived at Reporting previous name or AKA no mine
Consumer complaint received 2017-01-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (AZ)

I paid the loan off in full on XX/XX/2016. In XXXX I received a letter saying I owed still. The company started calling 5 + times a day. I sent in my receipts 3 times, I spoke to a supervisor who said they received the receipt and would have it taken care of and it may take 24 hours for them to stop calling. XX/XX/XXXX they took XXXX from my bank account which also caused a {$39.00} overdraft fee. I called the company they refuse to accept my receipt and stop electronics debits
Consumer complaint received 2017-01-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

My ex-husband and I took out a second mortgage from Beneficial for {$17000.00}, in XX/XX/XXXX. We then went through a separation in XXXX, and then a divorce. This created a lot of financial hardship for both of us, which led to a Chapt 7 bankruptcy with discharge in XXXX. Since I was still living in the home, I was told I could voluntarily pay the loan back, ( I did n't reaffirm loan ) which I tried to do sporadically until XXXX, when my payment was abruptly returned. The letter accompanying the payment stated that the account had been closed. Since I received no further communication, I assumed the debt had been discharged and I was no longer required to pay it. About 6 months ago, I inquired into refinancing the home, and was told that Beneficial had a lien on the title. I explained about the abrupt payment return, and even showed that the account was reported as closed on my credit report. I was told to contact Beneficial to request a release of lien. After many attempts, I finally reached someone who informed me that Beneficial had sold my loan in XXXX. After a lot of research and unsuccessful phone calls, I was led to a representative from XXXX ( formerly XXXX ), who told me that my account was active and had been accruing interest. She informed me that I now owe {$18000.00}. She told me there was a note in the account not to contact me due to the discharged bankruptcy. So, not only was I not notified of the change of lender, but I was being charged interest on an account I thought was closed! XXXX wants to negotiate a settlement, but they do not hold the lien on my title, it is still listed as Beneficial, in county records, who has already received payment when they sold the loan. I am concerned that if I pay XXXX, They will not have the authority to release the lien, and Beneficial can still have a claim on my house. I do n't know what to do at this point, and legal counsel is very costly. Are you able to point me in the right direction?
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

In XXXX of XXXX the IRS filed a tax lien against a Condo I own. The taxes owed were not owed by me, and were in dispute. 

I settled the tax matter with the IRS, and the Lien was removed from my property. XXXX has removed the public record from my consumer credit file. 
Equifax has not corrected the entry. I have disputed the item with them two times. They have NOT changed the status or amount. So it looks like I still owe {$17000.00}. 
When I applied to refinance my Mortgage I was declined due to the outstanding federal tax lien. Which has had a zero balance. Attached is a copy of the notice from the IRS showing the Lien was Released on XXXX XXXX, XXXX
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am not sure how to go about requesting this type of change to my credit reports. Currently they all show that I have a credit history of 14 years when in fact it should be around 24. My credit score is listed as being adversely affected due to the shortened reporting and it leaves out payment in full of 2 mortgages, 2 car loans, and a student loan. Is there any way to have these items restored to my report?
Consumer complaint received 2017-02-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I had a car loan with Santander Consumer for almost 3 years. When I decided to switch for a lease, the loan balance was paid off but there is not an option in their website to stop the automatic monthly payments drawing from my checking account. I should 've called them earlier but did n't do it and they drafted one more monthly amount of {$320.00} and when I called them they told me a prepaid visa card will be mailed with that amount and that I have to wait a month. I spend several minutes arguing with the guy in customer service asking for a check because I just need the cash and finally they told me that they will do it. The guy told me that he started a process to substitute the prepaid visa for a check. 
A week after another person called me telling me that is impossible to send a check but I will be able to get cash from that prepaid card. So he asked me if I agree with that and I say yes. When I received the prepaid card the instructions said very clear that THIS CARD DOES NOT HAVE ATM CASH ACCESS So beside the incredible high interest I was paying with that loan ( I decided to lease a car so I get rid of that loan ) they want to keep my money for longer time and keep earning fees every time I use this prepaid card in every business I will buy from. I do not need this prepaid XXXX card. I just need my money back in cash.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

i made several purchases over the last few months using Amazon credit card. I used the promotional financing option of 6 months no interest. I received a statement last month that had several of the purchases and a list telling me when the offer expired. This month i have interest fees because not all my purchase " qualified '' for the promotional financing. No where on the bill does it say what qualifies and what does n't. Additionally if a pay the unqualified portion i have to log in and adjust the payment because it will be spread out over the total balance rather than the non deferred interest ones first. I believe this is deceptive and predatory lending. I call and complained but got no satisfactory reply other than we are sorry you are confused.