davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I spoke with Sallie Mae about my loans, indicating that I want to qualify for the PSLF program, and was told that I had the correct type of loan for forgiveness but none of the forms were created yet for the program as you need 10 years to qualify. I was told that being in forbearance wouldn't hurt, as it is a type of repayment plan multiple times then and until XX/XX/XXXX. 

My loan was transferred to Navient when Sallie Mae was defunct. I called them when I was transferred, and they assured me that utilizing income sensitive repayment options and/or the lowest payment amount, which at times was XXXX $ a month in forbearance, was fine for the PSLF program. 

In XX/XX/XXXX, after re-applying for income sensitive repayment again, I called again, and indicated that I could afford some payment and did not need a full forbearance, and they told me that I qualified for forbearance, and so that is the best thing for me to do. I asked what would happen if I sent payments anyways, and they said, basically nothing, because the balance and interest was so high that sending XXXX-XXXX $ a month wouldn't do any good, and wouldn't change my plan. At that time I was first told that I was not in a program that would qualify me for the PSLF program, and that in order to qualify for that program, I would have to re-consolidate my loans and have my husband co-sign them. She indicated that she was only telling me this because now she was " legally obligated to do so. '' She indicated that once I reconsolidated I could get into the right program but it would be 10 more years before I qualify, and as it has been 2 decades since my first set of loans, she didn't recommend it as I would be at the 30 year mark anyways. 

I have worked for public agencies with lower pay than public agencies, in public service, since XX/XX/XXXX. I have no idea how many " qualifying payments '' were made, as often the forbearance was the only option given to me. I suspect that I made roughly 6 years of payments in plans that don't qualify me for the program, and my debt is now over 200,000 $ and my interest rate remains over 6 %. I have been unable to get any clear information about what plans do qualify for the program, and any information from Navient. I don't understand why my husband would have to co-sign my student loans in order for me to qualify for a program that I should already qualify for due to my years of public service. There is no where to turn for answers as Navient is not doing their job.
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

A few months I sent a letter to XXXX XXXX stating I could pay my debt of {$270.00} for a lower amount of {$100.00}. The rep from XXXX informed me yes I could pay the debt for lessons it would be reported as such and they would also require debt be deleted from my credit file with all 3 major bureaus. I sent a check and a copy of the email that I received from XXXX which stated as such. They sent me a letter back k stating there are restrictions on the letter they did not agree with. I also looked on the website which they stated they would delete trade lines from credit reports for payment that may be less than in full. I sent them a personal check stating to pay off my debt and they sent the letter back. Why would such a company state they would take payment for less and a rep stated they would take less and on the website states the same thing. What kind of company does not follow what they post
Consumer complaint received 2019-03-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (WA)

Please read the attached letter, it pretty much explains what. I had tried unsuccessfully to fix this matter with Well Fargo in years past.. The Washington State Attorney General suggested I filed a complaint with Wells Fargo new attorneys.to the Washington State Bar for fraud on the court and class B felony for copying a alleged promissory note. ( The Old attorney XXXX XXXX and XXXX including trustee XXXX XXXX were forced to close in XXXX because the DOJ and many lawsuits against them ). Since then the BAR dismissed my case but the Alleged Debt to service had been transferred from Wells Fargo to XXXX XXXX XXXX. I apologize it took this long to send this from the date of the attached letter. but I had a problem with the internet after the last snow storm.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX GOLDKEY CRED XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very se GOLDKEY CRED XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

The company XXXX XXXX XXXX XXXX  reported this payment as late. This is incorrect I have never been late on any of my accounts this you can verify .... 
This company has gone out of business and is not being ethical with its customers. 
This has damaged my credit ... and I want it off my record.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mr. Cooper Group Inc. (IL)

on XX/XX/, 2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
Consumer complaint received 2019-02-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AVANTE (FL)

Receive multiple calls a day, not every day, but on the days they do call there are two or three calls. They won't say who they are until I verify specific personal information ( DOB, SSN, address, etc. ) which I will not do. They will not stop calling, I have asked them to not call, send mail. I have told them they do not have the right number, they still call. I block the number, they call from a different one. It really has to stop- I work and these calls are disruptive.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have disputed 9 accounts on the XXXX  App to have nine XXXX and would like them to be removed from my credit report. All accounts are closed and effecting my credit score negatively.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAC Financial Corp (TX)

Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit and Erase Bad Charges On My Credit. I Dont Have Any Recollection Of Who Gave Administered The Services. I Reviewed Our Records and Have Found Some Years Back That I Was Given A XXXX XXXX For A XXXX XXXX. You Say Youve Got A Original Record Of Me Doing Business With Them. I Dont Think That I Was Being Treated Fair Be Given Two Bills That Equal To About {$2900.00} According To My Credit Reports. 
For A XXXX  XXXX For A XXXX  XXXX. Based On Our Records, XXXX XXXX Does Not Have A Good Practices With Charging According To The Court Systems and The Daily Oklahoman. Also, According To Records, The Average Price For The Procedure Is $ XXXX {$120.00}. Out Patient Visits Vary $ XXXX {$2100.00} Based On The Procedure. I Have Not Had Any Significant Health Injuries. Im Asking You To Erase This Bill With XXXX XXXX Off Of My Credit. Ive Not Spent Time In The Hospital For Anything. Ive Had Not The Best Of Luck Financially. Im Wanting To Pay The Bill For Outpatients Services. I Am Able To Pay {$400.00}. In Full. I Look Forward To To a Good Business Relationship and Being Responsible For Any Debt If I May Owe You. Im Wanting To Settle My Bills. Thank You! XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Columbia Recovery Group LLC (FL)

Received several aggressive phone messages stating that I needed to phone them immediately to be served for a lawsuit. Left message to call XXXX file # XXXX. Spoke with a XXXX XXXX she informed me that she was calling on a very old debt from 2012 of {$1200.00}, said they were prelitigation and they were going to serve me papers on lawsuit and with fees and all it would be {$4000.00}. Said I could pay debt in full, pay {$500.00} or make 12 payments of XXXX a month. When I asked for her to send me paper work she said they would have to charge me {$5.00} fee and would need a credit card to have on file to let lawyers know I am serious. Wouldn't take less than {$500.00} to settle and refused to give me a company address so I could verify it was a legit company. She had very aggressive manor and said they would sue me. She gave me the following number to call her back XXXX ext XXXX
Consumer complaint received 2019-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TN)

According to my understanding of the Homeowners Protection Act, PMI should be removed from my mortgage payment when my loan to value reaches 80 % or less. Currently, my loan balance is XXXX, and my home value according to XXXX, is XXXX. That puts my loan to value at approximately 48 %. My current mortgage company refuses however, to remove the PMI from my payment. The response from XXXX XXXX XXXX, customer support associate, is that " per FHA regulations, as the loan was assigned an FHA case number after XX/XX/XXXX the annual MIP will be automatically terminated when the loan is eleven years old, which will be on XX/XX/XXXX. The mortgage was first originated all the way back in XX/XX/XXXX/XX/XX/XXXX, and has been sold/resold several times since then. I also refinanced back in XX/XX/XXXX with XXXX XXXX XXXX, and then the loan was sold to M & T bank who has it now. So, what is correct the Homeowners protection act or M & T bank?
Consumer complaint received 2022-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (TN)

1.I have never had an account with this company REGIONS BANK , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONS BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2019, I submitted an online dispute with XXXX regarding the balance that was being reported on the XXXX XXXX ( XXXX XXXX XXXX ). However, I never stated that I did not recognize or was responsible for this account because I am an AUTHORIZED USER on this account ; I only requested to have the balance updated to show the accurate amount. Instead, without my authorization or approval, XXXX  has deleted this account from my credit report which has negatively impacted my payment history. 

Please add this account back to my credit report, immediately, Failure to do so is a direct violation of the FCRA. Additionally, please send me an updated copy of my credit report once this matter has been resolved.
Consumer complaint received 2019-02-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I graduated from the University of Illinois in 2011. In total I borrowed {$20000.00} in private student loans with Navient. Since 2011, I have paid a total of about {$16000.00} but my principal balance is still {$19000.00}. How can this be legal? How could only {$800.00} be applied to my principle balance? 

Aside from this, it is ridiculous that Navient refuses to give you any accurate or helpful information about your account. 

I called to find out how much I have paid so far, and I was told something would have to be mailed out because they dont have access to that information. It seems odd that anyone could give me accurate information about my account if they cant see my payment history. 

When I inquired about making an additional {$50.00} payment through a round up app ( an app that helps you pay off your student loans by rounding up your purchases to the nearest dollar ), I was told that making additional payments would cause my minimum payment to go up {$200.00} because my rate reduction program would be cancelled. But when I asked how I can get my loans paid off faster I was told to make extra payments. Then I was told that I could make a payment for the entire balance. Navient does not care about their borrowers and has bankrupted my generation. As others have called it, this is financial terrorism.
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (VA)

I started to receive calls from a firm calling itself USI Solutions. The main number they call from is XXXX. The claim is that I continue to owe a small {$200.00} amount from a debt that I never owed to begin with. I originally began to receive notices from a law office in XXXX claiming a debt from a credit card I never had. No prior letters, no calls ... .just a letter out of the blue claiming that I owed money from a credit card I was supposed to have had in college in the XXXX time frame. I fought this tooth and nail and eventually I felt I had no choice other that to pay this. I made a deal with the law firm and paid the debt in full in XXXX. I received a letter stating that this debt was resolved with a XXXX   balance. I never heard another word about this until last month. This was almost 13 years later. USI Solutions claim that the attorney I made the original deal with died and it is only now that his unpaid debts are coming to light. I made it clear that they have no right to collect on this based on the statute of limitations. The representative stated that he didn't care and he would call me for the next twenty years if he wanted to. They reused to provide any of the original documentation on the debt. They also refused to provide me with their license number to collect in my state. This company has harassed me relentlessly stating that I never paid the original debt in full in XXXX. They are stating I still owe {$200.00} on it. I advised the firm that all further contact needs to go through my attorney. I gave them my attorney 's contact information. They did not stop calling me and have now called my employer stating that they are trying to reach me to collect a debt. I am a XXXX for a XXXX XXXX XXXX   and this has caused tremendous issues for me.
Consumer complaint received 2019-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

My loans were in deferment while I am in graduate school. I called Navient on XX/XX/XXXX to request the accumulated interest amount as I like to pay the interest while in deferment. I set up a payment of {$790.00}. for the accumulated interest to be made on XX/XX/XXXX so that I could deduct the interest on my income taxes for XX/XX/XXXX. I also requested to end my deferment and enter repayment in XX/XX/XXXX. Previously, my deferment was until XX/XX/XXXX. I wanted to start paying off my loan early so that it would be paid in full by the time I plan to retire in 10 years. 

When I reviewed my payment history in XX/XX/XXXX, the XX/XX/XXXX payment credited {$730.00} to principal and and only {$52.00} to interest instead of the full payment going to interest as I was told would be done. I called in late XX/XX/XXXX or early XX/XX/XXXX and was told that the error would be corrected in 2-3 weeks. It was not corrected. 

I called on XX/XX/XXXX and was told that the interest capitalized on XX/XX/XXXX because I canceled the deferment while Navient is saying the school has me no longer enrolled, which is not correct because I am enrolled in XXXX units. All I am asking is that the XX/XX/XXXX payment of {$790.00}. be credited toward interest. I am now being told that this is not possible when two previous Navient service reps told me it would be done.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mandarich Law Group, LLP (NY)

This is an improper mailing of court documents issue. The Debt collector physically served legal documents without an envelope to third parties on XX/XX/2019. All of my information was exposed to everyone who handled the documents, the person who was physically given the documents and everyone in their household as well
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

Was not aware of the closure of the account. Bank charged me all these returned payment fees that i did not know how to Handle. Was not aware of how the payments worked on the website. Bank charged lots of late fees. wrote to them several times and returned all my mail. thought i was doing the write thing the whole time. Did not receive anything in the mail from them. they transfer you to different people when you keep asking questions when on the phone. 

Never wanted to understand that i was not in communication with them, so I didnt know what was going on. 

Have payed off a very large portion of the balance already and currently still making monthly payments to Barclays.