davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

I am in the XXXX XXXX XXXX XXXX XXXX program. XXXX/XXXX/XXXX I paid XXXX dollars to my XXXX/Navient private student loans. Prior to making the payment I asked the customer service agent 2 questions : 1 ) Will this be applied to my principal? 
2 ) will this pay my account forward XXXX2 years? 
The agent advised me " yes '' XXXX would be true. Subsequently, over the past 2 months I have been charged a monthly bill. Last month I called Navient and spoke to a customer service agent who advised me that there was an error in their system and that this would be corrected by XXXX/XXXX/XXXX and My account should be payed forward ~22 months. However, today I again noted that I have been charged a monthly bill for this loan. Today, the customer service agent and supervisor told me XXXX new responses : XXXX ) firstly, that because I was enrolled in automatic bill pay at the time I made the large payment that this was not able to be paid forward. 
XXXX XXXX Than later after being on the phone with them for about 40 minutes I was told that this type of loan can not be paid forward. 
I have advised the supervisor that I had SPECIFICALLY asked the original customer service agent this question prior to making the payment and had confirmation and was again advised last month that they had corrected the problem and that had been again advised that the loan was than to be paid forward XXXX months. To which her response was essentially that they where not responsible for what the previous customer service agents had advised me but they would be disciplined if upon review they they where in error. 
This dose not really help me as the money I have budgeted to pay this loan monthly is now in their hands and they continue to request payment. This causes me financial hardship ( as I have many student loans and other debt ). The remedy I would like is that they apply the funds ( which I have already paid them ) forward 22 months as they originally have advised me was being done. 
- for the time being I have requested forbearance Supervisor I spoke with last was " XXXX '' ID : XXXX
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (NJ)

Trying to get release of lien off my XXXX XXXX XXXX XXXX # XXXX from Citibank NA. Contacted Citibank NA, on XXXX XXXX, XXXX, representative XXXX said they no longer own the loan, that it was transferred to XXXX. Contacted XXXX, on XXXX XXXX XXXX. Representative, XXXX XXXX said XXXX does not have any record of this vehicle on any of account. Need to get Lien Release ASAP.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

I never received a copy of the actual contract from XXXX to prove my account opened on XXXX/XXXX/XXXX. Also I do not have proof the last payment made was on XXXX/XXXX/XXXX. I asked for full payment history and I needed to see a copy of the original contract. XXXX is re-aging my last payment date and reporting it to experian and equifax erroneously. FCRA rights ignored and Fair Billing rights ignored. in the letter they admit incorrect reporting by experian and they should delete the account. Equifax also has the wrong date opened, they need to produce the full payment history and prove they actually did an investigation. I have disputed this for over 120 days without a proper investigation.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC (CA)

Have a mortgage on XXXX property with FIrstKey. Requested payoff amount and received same. Sent in payoff amount of {$440.00} ( via certified funds ) on XXXX/XXXX/15 ; which was two weeks before deadline. Never received reconveyance. Have called FirstKey on multiple occasions and send them multiple emails. Took over 30 days for them to respond to my email. My phone calls go nowhere. They admit it was their mistake but they are not doing anything about it. Instead, they have sent me to collections and I fear my credit has been affected. My loan # is XXXX and i can forward to you all of my correspondence. thx
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

I currently do not have trouble paying back the loan on the terms provided by my lender. That being said, from a consumer standpoint, I find my provider, Navient, formerly XXXX XXXX, to be so inflexible in the terms of repayment for their credit that it bridges on the unethical. The company provides no options to refinance my loan, to consolidate my loans, to extend the payment period for my loan, or to defer or forbear on my loan ( note, they offer the opportunity to defer the loan for a three month period for a fee of XXXX dollars, which is a palpable absurdity when one considers that a person asking for forbearance is experiencing a financial difficulty ). On XXXX occasion, I called a customer service represented to ask why my loan was so inflexible and they were unable to provide a reason or explanation. This has affected me in the past though I am currently ahead on my loans - and my fear is that this inflexibility is causing extreme financial harm to others like me who have lent from Navient but are not fortunate enough to have the means to make their monthly payments.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

inquiries were unauthorized according to the XXXX XXXX. XXXX, Approved XX/XX/XXXX ( XXXX XXXX. XXXX ) under the Consumer Credit Protection Act Section 604 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX none of these transactions should have been reported on my consumer report , all companies refuse to apply and this has been a major violation of the Privacy Act of 1974. 

XXXX XXXX received a secured payment and reported it as paid repossession.
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (VA)

I co signed for my sisters apartment. I agreed to help her with her first year. After the first year my mom, and my sister went into the rental company, and told them to take my name off. That i didnt want to be on it for the second year, and that I wasnt going to sign again. They told my mom and sister, no worries he doesnt need to. At that point my mom offered to go on the lease with her to replace me as well. They told her she was not needed either, all payments were made on time, and my sister was fine. The rental company clearly knew I wasnt ok with being tied into the lease agreement for a second year. My sister got in legal trouble towards the emd of the lease. The rental company calls me saying i am responsible for the place and that I need to come get her stuff. I made it clear then I was to be removed from the lease. They started to argue with me so I went in in person. They told me they just wanted to get her stuff out that they were not going to come after her to collect on the lease. So I dropped it and removed her belongings from the apartment. Well a couple months later I get a bill for XXXX + dollars. I called immediately and was given the run around again. I asked for a copy of the lease they said sure come pick it up. I drove the whole way to them, and they said I cant have a copy of the lease. They also refused to give me a copy of the move out report from my sisters roomates for the first year she was there. As alot of damages that were on this bill were done by them, as well as my sister. They could not produce those documents either. I told them I wasnt responsible for the debt. I have told the collectiom agency the same story, and the gentleman on the phone tried to threaten me. Saying I will mo longer be able to buy a home, or a car with my credit of I dont pay. Which is a total lie and made me angry. I secure loans for people for a living other than this mess i have over XXXX on time payments on record without XXXX late payment. I pay MY debts. However this collection needs removed from my credit immediately.
Consumer complaint received 2024-09-30
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in question ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Subject : XXXX for Debt Validation Account Number : { XXXX ] and { XXXX }. XXXX accounts Dear XXXX XXXX XXXX I am writing to request validation of the debt referenced above, which I understand you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe. I request that you provide the following information. 

XXXX. The name of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A detailed explanation of how the debt was calculated. 
XXXX. Any supporting documentation proving that I owe this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 

Please consider this letter a formal dispute of the debt until validation is provided. While awaiting this information, I request that you cease all collection and activity on this account, including reporting this debt to credit bureaus.Please delete from bureaus. 

Thank you for your cooperation in this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SUNTRUST BANKS, INC. (MO)

My loans went to collections, and I was garnished. I went through a program to get me back onto track, and get my loan into good standing. They said after 6 months of on time payments that they would end the garnishments, and my credit would be clear. I had to file bankruptcy. I called in to make my payment XXXX day, and they told me the program had been closed, and I had completed it in good standing. This was 15 months later. My loan never left garnishment. Now they want me to make a second payment every month after they have already taken the money out of my check. I just went back to college, and when I asked about a deferment during college they just moved my currently owed payments to the end of my loan, and are still billing me.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (GA)

I directly disputed through XXXX. It 's a apartment debt in which I did not resign a lease with the company my roommate done so I did not. I requested documentation that shows I 'm liable for the the debt I have not received anything
Consumer complaint received 2016-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (VA)

My student loan servicer is ACS Education. In XXXX 2016, I submitted an application to XXXX ( XXXX ) to consolidate my federal student loans at a lower interest rate and to also qualify for the Public Service Loan Forgiveness program. A few weeks after I submitted my consolidation application to XXXX, I was informed that my application was denied because ACS Education had failed to certify the loan amounts. 
As part of the consolidation application process, XXXX makes a request to ACS Education to certify the loan amounts. ACS Education is supposed to provide XXXX with Loan Value Certificates. As of today ACS still has not sent those certificates to XXXX. In XXXX, once I learned my application had been denied I contacted ACS. I was told that ACS is still working on the certificates and making " adjustments ''. The most outrageous part is that the representative on the phone could not tell me when the certificates would be completed. Since XXXX, I have called ACS several times and each time I get the same answer that ACS is still working on the certificates and can not tell me when they will be completed. 

It is literally going on six ( 6 ) months and I still have not been able to consolidate my loans. This is truly unfair, as I have been subjected to higher interest rates and I am losing credit time towards the Public Service Loan Forgiveness program as I must be serviced by XXXX to qualify. I am literally being held kidnapped by ACS Education who refuses to issue loan value certificates so I can consolidate my loans with another company at a lower interest rate. I have done some research online and there have been a ton of complaints and lawsuits made against ACS Education. 

One important note is that when I contacted PHEAA to inquire as to why my consolidation application had been denied, the representative on the phone explained to me that PHEAA always has issues with ACS and getting loan value certificates. Appropriate action must be taken against ACS Education as this is truly unfair to consumers whose loans are serviced by ACS.
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (OR)

I had a {$2000.00} credit line with Sears. I always pay my card timely ; in fact I always pay my account early. I did so in XXXX pay XXXX payment early. I had requested long before that my due date be changed to the XXXX I believe so there would be no chance of my payment being made late. It was agreed to do this, however, they never did and my payment for XXXX or XXXX was a day or so late. I immediately contact them by phone to resolve the matter. Later, they took away my {$2000.00} credit line for their own mistake. I called in about that and spoke to repetitive women who told me to write in to their very department so they could deny me again. I sent a fax to the director of that dept. but never received any response back. I just tried to place an order and only 2 of the items were shipped and I received a notice that for my convenience the other items are in my cart? What Sears has done is ding me for their own mistake and though the women I spke to agreed that this was Sears ' mistake, they would not undo the retaliatory, unlaqwful treatment that I received because of their error. I just need my credit line reinstated and for whomever restricted my account unlawfully in the first place to keep away from my account at all times. This was their mistake, not mine, so I should not be punished for it! Thank you.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NC)

I opened a Chase credit card in XXXX with an APR of 19.99 %. In XXXX, my card went over the limit by few dollars because a transaction was posted late. I paid the balances immediately. However, Chase started charging me penalty APR of 29.99 % because I went over the limit by few dollars only once. It has been almost 8 years since that incident and Chase has not revised my APR yet. 
I have contacted Chase twice in last 3 years I was told they do review lower APR eligibility every 6 months. I asked the representative what should I do to qualify, he told me to sign up for auto pay and keep my credit in good standing. I am enrolled in auto pay with Chase for more than 2 years and my credit score on all three bureaus is above XXXX addition to a good credit score, I also confirmed that across my credit reports : 1 ) No negative comments/marks ever. 
2 ) Never missed a single payment on any of the accounts. 
3 ) Low balance to credit ratio on revolving accounts ( XXXX25 % ) Interestingly, I have another Chase card on which I am being charged 19.99 %. Also, when I am logged into my Chase account, I am told that I am pre-qualified for a Chase Slate Card with 13.24 % APR ( including prime ). If I can qualify for a lower on an existing card and an even lower rate on a new card, I am not able to understand why Chase is charging me more than double interest rate on my existing card? I believe Chase is more interested in getting customers to open new accounts. 
The only reason I have not closed this account yet is because it is XXXX of my oldest card on the credit history and Chase knows closing the oldest account will adversely affect my credit score.The lenders see a 29.99 % APR account on my bureau report, they could consider me a risky customer. 
I would appreciate if Chase can provide an explanation on why am I being still charged a penalty rate while Chase is offering me much lower interest rate on a new product. 
I hope Chase also considers my relationship of 8 years with the bank. 

I also contacted Chase explaining the whole situation above through customer service and " We 're listening '' program but they gave same old response " Chase reviews account every 6 months and I do n't qualify ''. 
They did not provide me an explanation on why I qualify for less than half APR on a new card ( screenshot attached ) and not on the current Chase XXXX card. 
I called up Chase to follow up further and this time a senior representative mentioned Chase does n't revise APR at all. 
It is hard to understand why I would get an exceptionally good rate ( probably lowest ) on new card and at the same time I am charged highest possible interest rate on new card. 
I request CFPB to look into this issue with Chase and ask them to be more consistent and clear in their response.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

I applied for a loan modification from PNC BANK and after being ask for a year the re-send the same document over & over I was told by my point of contact twice that the investor did not respond to the modification package, so there for the modification was denied. I have attached a letter with some out lines.
Consumer complaint received 2016-04-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

Citi mortgage had a modification package as of XXXX see attachment. 
The sale date was set for XXXX. Never once did Citi reach out stating information was needed/missing. Our office has called in for the last 3 weeks. NO ONE contacted the homeowner regarding missing documents. 
There has been a consistent issue with authorization even though XXXX was sent XXXX and XXXX verbals good for 6 months were issued by the homeowner. 
Friday XXXX XXXX failed to mention documents were needed. 
XXXX supervisor XXXX XXXX reviewed the file and stated we should have been made aware info was needed. 
The XXXX never contacted our office until XXXX even though previous emails were sent to him. On XXXX he emailed and stated the sale date for XXXX would not be postponed as it is to close to the sale date. The file HAD BEEN WITH THE UNDERWRITER. Please see attached email. 
It is very apparent CITI has neglected this file. The employees are very incompetent as well as negligent. We are DEMANDING that the sale date be postponed so the file can be properly reviewed
Consumer complaint received 2016-06-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC. (TN)

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (TX)

I made a purchase on XXXX on XXXX/XXXX/16 using PayPal Credit. Paypal Credit ( formerly known as Bill Me Later ) has an ongoing feature that if you spend over {$99.00} on an single purchase, you can take advantage of their no interest no payment feature for 6 months. I have used this promo on this website and others at least 10 times in the past year. For whatever reason that Paypal can not answer, this was not applied to this purchase. I followed up with the merchant ( Eastbay.com ) and they confirmed that the order went through the proper channels and they were supplied with a Bill Me Later confirmation ID ( XXXX ) -- which is completely different from the ID supplied if it was a regular Paypal purchase or another form of payment. I made this purchase because of the ability to pay at my convenience within 6 months. Paypal insists that I did n't log in and choose Paypal credit, even though the only way to use Paypal Credit is to log in through Paypal. There is also the fact that my credit limit in Paypal Credit was deducted the amount of the purchase. They state that some websites have the ability to natively choose paypal credit without signing in. I told Paypal that does n't concern this situation because Eastbay.com does not have that ability. XXXX personnel confirmed this statement as well. What is most infuriating about this entire process with PayPal Credit customer support, no agent is able or willing to go to the merchants website and test what I and the customer service rep from the merchant is saying. I have screenshots of each step it takes to use Paypal Credit on the Merchants website, but paypal wants me to print out each picture and FAX it to them. They have no email function to receive or send. The entire process with Paypal and Paypal Credit shows a complete lack of customer service that is glaring when compared to the other established credit card companies like XXXX, XXXX, and XXXX XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am the victim of identity theft. I have reported this information to the credit bureaus and they do not respond to me at all. The information attached here is proof of the theft and the accounts here were not opened or authorized by me as a consumer.