davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I am a coborrower for my son who got XXXX loans from XXXX XXXX more then 10 years ago. The loans were originally a pretty small amount but with forebearance and deferments that are very high now. We were never told that interest would go up nor were we told that interest would continue to accumulate during these times. We tried numerous times to get the loans consolidated and were told that is n't possible. I also asked to have my name removed from the loans and was told that was n't possible either. A few months ago I filed paperwork to get my name off the loans because I am now XXXX Veteran and I 'm now on XXXX I was told it would n't be possible but I have yet to receive any paperwork in the mail stating such. I 've have tried on many occasions to work with the loan company to get payments that my son could afford but we were told that is not a possibility they would only accept the over {$400.00} plus dollars a month and nothing else. We paid them money on a few occasions to place the loan in forebearance. I 'm very frustrated as this has affected my credit over the years and I do n't blame my son as he was unable to repay the money but wanted to work with them.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, To expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to a XXXX agency/company which sense it to the all XXXX credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc. (PA)

This number calls at XXXX XXXX and the caller ID identifies it as XXXX They leave no message. When I call back and ask who they are I am told they are looking for a XXXX and they can not ID themselves or who they work for because of the nature of their call???? They are an accounts receivable office. Really, as if I do n't know they are a bill collector. I think they believe without a name you can not report them. I told them not to call me again since hang up calls are harrassment.
Consumer complaint received 2016-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX or so, Countrywide was our mortgage provider. We started to experience financial trouble due to XXXX medical issues. We had trouble paying the mortgage ; eventually, in XXXX or so, we got a re-modification from Countrywide, lowering our monthly payment to under {$1700.00}. We still had other overwhelming bills, and in XXXX, we filed for Chapter XXXX. Shortly thereafter, our mortgage was transferred to Bank of America [ BoA ]. BoA then raised our mortgage, despite a signed re-mod with Countrywide ; the monthly payments fluctuated fro {$2300.00} to over {$2600.00} with no explanation. BoA did receive monthly payments from the Chapter XXXX Trustee. From XXXX to XXXX, we constantly reached out to BoA for assistance, but they ignored us. They tried to get the bankruptcy thrown out, but they withdrew their petition when our lawyer contacted their lawyers in XXXX as to BoA documenting their charges. Then in late XXXX, when we finished making monthly payments to the CXXXX Trustee, BoA sent us a bill stating we owed $ XXXX. We contacted our CXXXX lawyer, who contacted both BoA and their local lawyers. Within a few months, BoA claimed we owed $ XXXX. BoA refused to respond to our lawyer 's queries ; in addition, our lawyer told us that the local lawyers retained by BoA told him that they could n't get an answer from BoA in regard to fully documenting what we supposedly owed them. Within a couple more months, BoA then stated we owed $ XXXX. They then sold the mortgage to XXXX XXXX XXXX XXXX ; not only did they sell off the mortgage but they also sold off the " penalties. '' We got a bill from XXXX in summer XXXX demanding immediate payment of $ XXXX. 
We did work out a new payment plan with XXXX. Currently, we 're paying {$3200.00}, after paying {$3300.00} for five months. We are still responsible for the fees and penalties which BoA charged us. We argue that those fees and penalties are usury. 
We also believe that because we were in bankruptcy, BoA was never going to recoup the losses they assumed from Countrywide. As such, BoA allegedly ignored the Countrywide re-modification and charged a higher amount which we could never meet because we were on a strict budget with the CXXXX. But not only that, they charged unjustifiable fees and penalties, as evident by their refusal to account for all the charges. And to avoid any responsibility or ramifications for unfair/unreasonable charges, they sold off the mortgage and the " penalties '' to XXXX. Therefore, we would no longer be in a position to challenge BoA any more because they are no longer the mortgage server. Instead, XXXX services the loan, and they purchased what they could argue is a legitimate debt.
Consumer complaint received 2015-10-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (AL)

I spoke to a collection agent for ACS on XXXX XXXX. I informed the agent that I could my make my payments at their current amount. He informed me that, due to using 6 months forbearance in this calendar year XXXX it started in XXXX of XXXX, but they have my application date as XXXX XXXX ) I was ineligible. I asked if there were any hardship programs or reduced payments available. He put me on hold, came back a few minutes later, and said that they could apply forebearance to my account, starting now and running through XXXX XXXX. He went took more personal information and went through scripting asking if I still intended to repay the debt at the end of forebearance. I answered in the affirmative and he assured me the matter was resolved. 

I received a call again today, XXXX XXXX, telling me my account was still past due, and that I was ineligible for forbearance of any kind. The agent told me that a supervisor had spoken to me last time, and that she was sorry for his mistake. I thanked her for her help, but informed her of my dissatisfaction and told her I intended to file a formal complaint.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX sent a letter to Equifax disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XX/XX/XXXX received a letter from Equifax stating that they " verified '' that the bankruptcy belongs to me but did not provide proof used to validate that it belonged to me. 
XX/XX/XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XX/XX/XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
Equifax found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2015-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

My Navient account is locked due to failed attempts at logging in. Even though I use plenty of personal information to retrieve username and changing password. It says, I should call them to have them unlock it. 
I 've called multiple times in the past year only to be on hold for more than 45 minutes then I hang up. I 've gotten though once, only to be told, " I do n't know how to help you '' and then asked to be transferred to someone that does. During the " transferring '' of the call, I 'm hung up on. I 've stopped bothering to get into my account because it 's on auto pay and they do n't bother me. 
However, it 's ridiculous for this to be happening. Managing your account should n't be this hard.
Consumer complaint received 2016-05-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Coastline Financial Resources, LLC (VA)

I received a call from ( XXXX ) XXXX stating that I owed them {$1400.00} from a XXXX account that I stopped paying on in 2012. I advised them that I was not aware of this credit card account and they advised that if I did n't pay that they would come to my job and serve the complaint. I advised them that I was on Social Security and the rep advised that they would take my Social Security check. I attempted to find out the company as I had received a voice mail as well stating to call ( XXXX ) XXXX which goes to Coastline Financial XXXX XXXX. There were multiple calls back to back with a few minute time frame.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Enterprises, LLC (CO)

This letter is being sent to you in response to the above reference account that Revenue Enterprises LLC has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Revenue Enterprises LLC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NY)

When I was married, I filed bankruptcy in XX/XX/XXXX It was a 5 year bankruptcy filed & during that time the Student Loan ( I took out at the time for my XXXX college student kids ) was put into forbearance. The bankruptcy was discharged in XX/XX/XXXX. During this time of forbearance the original loan of approximately $ XXXX had now been gathering interest so the total after the bankruptcy was now approximately {$18000.00}. Which was described in a letter to me from Navient. I did n't know who they were & why they had taken over the loan. I called them on the phone & I told them I wanted to refinance or do something to help me pay it as now I was divorced & could n't afford the payment of over $ XXXX a month I suddenly received XXXX weeks before it was due. They told me they do n't refinance federal loans & I had to pay the new amount now that my bankruptcy was discharged. I got divorced in XX/XX/XXXX I 'm on a limited income now & they did n't care. They said the only thing they could do is put me into a deferred loan now where I could pay them {$180.00} per month for 2 years so I could find another way to repay this. After these 2 years I 'm gon na now owe them {$260000.00}. When I 'm done paying them they expect to be paid {$45000.00}. I do n't understand how a federal loan is making all this interest yet not helping the public repay them. My XXXX kids have more loans they 're trying to pay back themselves. I 'm a co-signer on some of them. They harass me calling XXXX times a day to try to get my kids to pay their loans faster. They 've ruined my credit with all of this. My kids & I have XXXX loans we 're paying off just with Navient totaling {$70000.00} ; which does n't include the other student loans my kids are still paying to other companies. They also have tried to refinance with them & are going to put a claim into you also for this unfair student loan company. 

The American families are just trying to pay their bills & make ends meet living paycheck to paycheck. We need help!!! Please!!
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The XXXX XXXX account on my Transunion credit report contains fraudulent information. I have filed several complaints with Transunion and XXXX XXXX. Still, not any of these issues have been corrected. Transunion is allowing this company to report fraudulent information towards me. XX/XX/XXXX, I filed chapter XXXX bankruptcy. The XXXX account was included in the bankruptcy. On XX/XX/XXXX, the trustee located in XXXX, Al., XXXX XXXX XXXX, started making payments to XXXX. On XX/XX/XXXX, the final payment was made. I paid the principle amount for {$2100.00} and {$230.00} in interest. I 've filed several complaints with Transunion, only to hear they completed their investigation, and everything on my Transunion credit report was correct. In other words, Transunion probably contacted XXXX and they believed the lies and false documentation XXXX provided. Had Transunion done a thorough investigation like they should have, they would have seen I 've been making payments since XX/XX/XXXX. Bankruptcy is public record. All Transunion had to do was pull a copy of the bankruptcy. The case number is located on my Transunion credit report. The XXXX account was closed on XX/XX/XXXX, according to Transunion. Why was the account closed 4 years before it was paid off with interest? Does Transunion just believe whatever companies tell them? Why do I have a delinquent and derogatory mark against my credit report. The last complaint I filed with Transunion about this issue, I was told not to file " frivolous '' reports again. I 've filed complaints with every federal agency against XXXX XXXX. They would never respond to the requests. I spoke with a lady named, XXXX, in the XXXX bankruptcy department. Was nothing but a waste of time. However, had Transunion done their job, I would not have gone thru this for about 2 years. I really do n't want to hear how you have so many complaints, it 's hard to keep up. You affect people 's lives by not providing accurate information. I 've been thru XXXX awful divorces, which has caused my credit to suffer enough. This bankruptcy is finally completely paid off, around {$56000.00} worth. The case number is XXXX. The name is XXXX XXXX XXXX. The case was filed in XXXX, Al. Another question, after you look at my bankruptcy case, and I 'm sure you will do it this time around, why is the XXXX account, the only account still on my credit report? All of the other accounts included in the bankruptcy have been removed. XXXX more quick issues. First, the Transunion report has me employed at XXXX. I 'm XXXX years old and have never worked at XXXX. Second, someone has reported fraud towards the Transunion report. I did not report this. I 've tried calling Transunion customer service. Not sure which country Transunion uses for these jobs, but I cant understand them.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion allows opening of personal web site accounts ( no other rating agencies do ). My ID was hacked from my previous employer. Fraudster then opened Transunion web account with my info and then ordered a credit report for TU promotional rate of {$1.00}. Transunion then recorded these transactions on my credit report. After numerous contacts to Transunion, they refuse to notate these on-line inquiries as fraudulent, they keep saying they do not matter. There seens to be a systemic issue with Transuion - number one - they should not offer persistent web accounts to individuals - since most folks would never open them and it seems like a perfect opening for fraudsters. Number two, they should allow notation on these inquiries that clearly show their fraudulent origin.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account ( XXXX  ) account # ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late Thanks
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CO)

I filed for bankruptcy about XXXX years ago and since my loan was taken over be Green Tree Services. Up until XXXX 2015 I have never missed a payment my job had ended and I was able to get a job in another state so I could not pay my payment for XXXX. I called and tried to ask if I could use my bankrupcy protection but all I got was I need to make my payment now. I talked to a realtor and we agreed she should try and sell the house she listed it on XXXX XXXX th 2015. We moved on the XXXX XXXX they keep calling to get payments as we were about to be late. I told the person I was not late and the house was on the market he wanted payment now. We had a full price offer on the house in XXXX so I called and told them the house was sold. My realtor calls me a XXXX days later and said that the mortgage company had changed the locks. I called and they said that I had abandoned the property? How did I abandon when I am still paying the electric and water on the property. We found that they had disconnected our meter in the basement for the water I had already turned it of and winterized the house. I called them and said again the house was sold once again they wanted payment told them they will get paid when the house closes on XXXX XXXX th. Keep calling wanting payment and threatening foreclosure if I do n't pay them. I am sick of them that do is want money and call constantly HELP.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

MCA Mangement CO, is reporting a debt that is beyond the seven year statue and they refuse to remove it, this is not the first time this company had incorrecty reported information under my SSN, the also incorrectly reported a XXXX that allegedly occured in XXXX that was removed, these XXXX debts appeared on credit report at the same time.
Consumer complaint received 2015-11-24
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (TX)

This is the complaint on the services in association with Comerica Bank, Comerica Bank XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX. 
This card is from Direct Express Treasury, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX. 
This debit card is required used for Social Security recipients. 
The complainant is a veteran and has both documented XXXX and XXXX diagnosed. 
This account has resulted in numerous card changes based on reported security problems, deficiencies, transactions problems. 
Transactions and withdrawals, cash back transactions have been swindled. 
Several fraudulent and many non receipted transactions have taken place. 
Complainant is XXXX XXXX. 
This card service is in need of investigations for fraud, other financial crimes, racketeering, swindling, financial problems. Predators, robbers, thieves, crooks willconjure, stalk, plan thefts against Social Security recipients, based on the receipt ofpayments on and around the first of the month and they know that recipients have debit cards. 
Complaints have likely been filed against these services in the past and are likely current. 
XXXX recipients may likely be victims of stalking, robberies, thefts, and other crimes associated with the Comerica Bank debit card account. 

To resolve this on going problem, investigations should be able to determine fraud, unwarranted surveillance practices, thefts, any other financial crimes, white collar, organized, financial, bank frauds, violations that are the result of this debit card required system. 
Customer services, merchants, ATMs, banks, may be responsible for problems, complaintsassociated with the use of the debit card system. 
Consumers who have been victimized by these fraudulent services need to be compensated andother financial services need to take the place of these fraudulent services. 

This institution is responsible for the insolvency and its many complaints that may or may not be documented. 
Banks closures are a recommended solution and will likely benefit the increasing continualfederal debt crisis as numerous other financial institutions have faced numerouslawsuits, litigations, rulings, cases, complaints, and the like.