davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NH)

XXXX of my student loans are in delinquency. I paid $ XXXX towards them last week to pay the outstanding balance to bring them current. I called Navient today, and they told me that they will remain delinquent until I pay them in full, which is over $ 100k. I am unable to purchase a home because of these delinquent student loans. I was under the impression that by bringing them current, they would bounce back to a current status where I can pay them monthly just as I do on my other loans. They told me that I can pay them monthly but it will not bring them current. This seems very unfair that I must pay my student loans in full in order to bring them current. The past due amount on them was paid in full. Why can I not keep paying on them every month to keep them current just as the other loans? This has put a complete stop to my life, as my credit is suffering and due to these private loans ( not my credit score specifically ) I am unable to buy a home because the mortgage companies see me as a risk with delinquencies with a federal agency. Technically, with paying the past due amount of $ XXXX, I am not delinquent on these loans any longer. I find this to be very unfair and am looking for some guidance on how to resolve this.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I have a report from Experian. It was sent after I was declined credit. There are many errors as my husband left me and some items are his. I received the report after XXXX XXXX, 2015. It is within a year. I sent a dispute to Experian never heard back or got a credit score. The information is incorrect and I would like to dispute it. I have the complete report. I would have to mail you a copy. There are incorrect dates that should be deleted from the report.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (KS)

We refinanced our XXXX mortgage in XXXX. The remainder of our 20 % loan went to XXXX bank, then was sold to First Merit sometime in XXXX. We recieved monthly statements showing our payment amount, including an amount going to principal and interest. We continued on time payments until XXXX XXXX, at which time we sold our house. At that time, there was an issue at closing, when First Merit said we had an outstanding interest balance due of over {$7700.00}. Some time between XXXX and today, they stare applying only a small portion of our monthly payment to interest and the rest to principal, and then we 're tallying up the remaining interest as something we owed behind the scenes. This was never disclosed to us on any bills, and since we knew that some amount was going to interest every month and that we were paying the mortgage down faster than expected, we did n't question whether the amount the bill showed as our interest due was accurate. 

The result was that instead of getting back {$2500.00} that we expected at closing, they said we owed {$4500.00}. We moved out of state and we 're prepared to take some degree of a loss on our house in order to sell quickly ; however, we would have made some very different decisions had we any indication they were not honest in allocating the money we sent. 

We would like to know if we have any recourse. We do not feel we should be accountable to pay this amount. It was supposed to be a 30 year loan, and for at least the first year, the money was being applied to interest. What would have happened if we 'd reached the end of the loan term? We 're they planning to hit us with XXXX dollars in unpaid interest and repossess our home?
Consumer complaint received 2016-11-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EMCC Holdings, LLC (FL)

I hold Equiant Financial Service fully responsible for this derogatory collections on my credit report. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. Equiant Financial Service as not sent the appropriate verification by the FCRA section XXXX ( A ) ( 1 ) ( A ). Then Equiant Financial Service has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (VA)

On XX/XX/2016, I realized that my ATM card was used without my authorization. 
I contacted SunTrust Bank to report the problem. 
I received immediate credit, there after a week later the credit was reversed out of my account, where the SunTrust Representative stated that the charges were in fact valid. 
I sent rebuttal statement to continue to have the matter resolved with no success. 
I filed a police report to hold the responsible party who used my card without authorization accountable. 

The lead investigator for SunTrust Bank is stating that I was the primary user and that the claim has been denied and closed.
Consumer complaint received 2016-03-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

My House Primary Residence : XXXX XXXX XXXX XXXX, XXXX, MD XXXX PennyMac misinformed me that I can not re-instate my home mortgage or make payment on my past due account, # XXXX, despite Maryland law that provides me with the right to reinstate my loan by making past due payments at least one day prior to the foreclosure sale. I spoke with XXXX XXXX on XXXX XXXX, 2016. I asked for re- instatement of my loan, I was told that this was not an option because my account was in " foreclosure '' proceeding. Despite my willing and ability to bring my loan current, as a permanent loss mitigation option, and all my attempts to gain information to bring my account current, PennyMac has refused to assist, instead, I 've given the round around. Notices of foreclosure have not been given to me, instead I 've received letters to 'tenants '' from PennyMac. I learned on Friday, that PennyMac, has been sending personal and confidential correspondence to an incorrect address. I have told PennyMac that the address of the property is my primary residence. I have not received notices regarding foreclosure, and have been denied a legal right to reinstate my loan. Please help, all I 'm trying to do is bring my loan current!
Consumer complaint received 2016-04-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SIMM Associates, Inc. (MN)

A company continues to call my parents home. They have called several times over a span of 6 months. In the beginning of the call frequency, they were leaving messages looking for someone with my last name. However, the first name was not a member of my family. 

Three weeks ago, the began to call my parents residence again. Now, leaving messages for me specifically. They are clear on all details in most of the details when leaving a message, but slur the name of the company ( Possibly " CSA ) ''. The contact number they leave is XXXX. When I look up the company name or the number online, I can not find any connection to a creditor company.
Consumer complaint received 2015-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (GA)

I ended my contract with XXXX in XXXX 2014 and they still charged me a month 's fee even after I switched carriers and no longer had active service with XXXX. I do not owe this amount as my service was terminated.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I am behind on my mortgage due to a major medical event. 

I am now better and earning plenty of money XXXX bank verified XXXX to pay my mortgage and I have the ability to gather a large lump sum payment to reset my mortgage. 

My mortgage is held by Pennymac. I have tried XXXX, Making Home Affrodable, Lawyers, and Direct negotiations with Pennymac to arrive at a deal that resets the mortgage. 

On many instances on the phone with Pennymac I am told of offers to reset my mortgage XXXX was for XXXX another for XXXX and another was for XXXX cash payment. The XXXX XXXX was first I was told a " package '' would arrive in the mail and that it would detail this deal. 

So I spoke to relatives collected the OK that they would help. Everyone combined would be the XXXX. 

My next call to Pennymac the person knew nothing about the XXXX deal. But I had it via email from their underwriter that such a deal was possible. 

I then spoke to a supervisor there named XXXX and was told with XXXX or XXXX the loan could be reset but that I needed to submit an appeal to my recently rejected XXXX application so that he could open the files. 

I sent in the appeal letter. 

The following call that deal was off the table. I asked for a supervisor got noplace. 

So I called the XXXX line and then had a conference call with XXXX and Pennymac. The result of this was the XXXX deal was in notes but that funds needed to be seen by Pennymac in XXXX of my bank accounts prior even discussing a deal. 

My response was how can I get folks to contribute to something you are not documenting? How is it harmful for you to state what you would do if I give you that money? They will not document nor commit to a deal for cash without the cash inplace for them to take. 

Needless to say I find this troubling and shady. 

What I want to do is avoid bankruptcy and the damage that does by making a LARGE lump sum payment and using my verified income to make monthly payments. 

Pennymac rejects me for inhouse financing and XXXX. Inhouse because I am in foreclosure. XXXX because I make too much money and the house has too much equity. 

I feel that the constant changing of deals, conditions of deals, statement of possible deals that vaporize the following call, inability to refinance with another bank because Pennymac has me in foreclosure, etc ... all make bankruptcy inevitable. 

Bankruptcy repayments on mortgages are within 60 months so that is a massive compression of debt despite my willingness to pay large sums. 

The entire process and changing landscape of deals has been very stressful and in my opinion nobody should be able to constantly change deals. I ca n't do it in my business and they certainly should no be allowed to when peoples homes are in the balance.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX XXXX XXXX in the amount of {$820.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completedThere is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX in the amount of {$6300.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
Consumer complaint received 2015-10-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was told to forgo making my house payment and we would then be eligible for a loan modification through BoA. The usualthing happened in that it took over two years and in the interimwe did not make the payments while waiting. Our credit was hitvery hard and the derogatory remarks on our credit ratings wereaffected as well as over {$35000.00} worth of " interest and fees ''. 
Can anything be done to correct this? This also put our mortgageunderwater which means we can not refinance. Thank you.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

On or about XXXX XXXX, XXXX I disputed items on my Experian Credit report ( XXXX and XXXX was to be next ). The items are XXXX XXXX XXXX 's reporting of two tradelines that are duplicated, both containing truncated account numbers that I 've never possessed. I specifically disputed the duplication and the account balance of {$8000.00}. 
In in re : XXXX, Chapter XXXX file XXXX XXXX, XXXX in the XXXX XXXX of XXXX. I was domiciled in XXXX however, I was and remained a resident of XXXX and XXXX exemptions were found not to apply in favor of XXXX. Therefore, Mississippi statutes were found to apply. I later returned to XXXX. Statute of Limitations ( XXXX XXXX When statute commences to run on open accounts ) ran on any alleged debts on or about XXXX XXXX, XXXX. XXXX also has a statute of repose ( XXXX XXXX. Completion of limitation extinguishes right ). During the stay, XXXX XXXX XXXX sold the alleged account to XXXX who forgave the alleged amount ( XXXX XXXX XXXX - having problem finding this document ; hence statute of limitations ). First noticed in XXXX XXXX, XXXX XXXX XXXX reported account tradeline and " Discharge in Bankruptcy, Bankruptcy Dismissed '' with a " XXXX '' balance. I have never seen XXXX XXXX XXXX 's tradeline but there was collection activity. Date of last activity was XXXX XXXX on XXXX XXXX XXXX 's tradeline. 

Beginning in XXXX XXXX, I sought to refinance my house. On or about XXXX XXXX, XXXX, XXXX XXXX XXXX reported to all XXXX credit reporting agencies with Experian reporting two tradelines with account numbers that I never possessed using a controversial debt collection technique known as " parking a debt '' ( and found to be a violation of the FDCPA by several courts ) This foreclosed the possibility of refinancing my house and has cost me thousands of dollars in savings over the course of my mortgage. 

As mentioned above, on or about XXXX XXXX, XXXX I disputed the two tradelines with Experian. On XXXX XXXX, XXXX they completed their re-investigation and doubled down on the amounts owed on both tradelines that is clearly a duplication with the amount owed as {$8000.00} or a total of {$16000.00} of alleged debt with two account numbers reported that I 've never had with XXXX XXXX XXXX. My credit scores ( reported by XXXX XXXX ) dropped from XXXX on XXXX XXXX, XXXX to XXXX today ( XXXX XXXX, XXXX ). There are two dates of last activity on the differing accounts with the same amount owed. XXXX XXXX XXXX and Experian are in violation of many federal laws ( FCRA, FDCPA ) and XXXX Law and now XXXX. However the cost of hiring an attorney and prosecuting a case is ridiculously high for two financial companies in which this is " normal business. ''
Consumer complaint received 2016-01-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MT)

I attended XXXX XXXX XXXX for XXXX. I graduated in XX/XX/XXXX. I am currently XXXX, my term began in XX/XX/XXXX and end XXXX. Part of the deal of being an XXXX is you are entitled to student loan forbearance during your term. I have an account with XXXX XXXX/Navient to which I submitted the standard formal forbearance request/notice to every address I could find and it has been denied. As you may know XXXX make a VERY modest living stipend, just enough to get by and we can not afford to pay our student loans on such an income. The XXXX forbearance is essential to the position and is one of the reason ppl accept such low income for hard work. XXXX XXXX has refused my forbearance despite many attempts. When I spoke with someone on the phone they were very rude and said they 'd never heard of XXXX. How a major student loan company has never heard of XXXX blows my mind and comes across as purposeful. Since that call they have been calling me and my mother XXXX times a day between the hours of XXXX and XXXX and emailing me frequently. The most recent email seemed to posit that the account was now being handled by a collections agency. The account was not in collections before I started my XXXX term and now is because the wo n't accept what I understand to be a mandatory forbearance. PLEASE HELP. I can not afford to pay this loan while in service, doing so would leave me with literally nothing after rent and bills.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AK)

Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a Visa.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

A few years ago I filed a complaint with FCC and fraudulent billing from XXXX XXXX. They were caught XXXX billing my account more then XXXX times. XXXX XXXX closed my account and issued me a refund and refunded all deposits. A XXXX later I started to receive bills from other companies over a {$99.00} charge. This charge was not accurate. I should never have been charged additional months when the account was closed and I was with another company. In addition, if I owned them money, why would n't they deduct the charges from the XXXX dollars that they over billed for. 

I filed complaints and I thought the issue was resolved, until 3 weeks ago. I found the " charge-off '' from XXXX XXXX on my credit report. Today, I was surprised by a letter from Jefferson Capital Systems LLC stating they are taking over my XXXX XXXX account. There is XXXX reference to the amount on the account numbered : XXXX. 

1. I do not owe XXXX XXXX any money because my account was settled in full and I was issued a reimbursement for their XXXX billing. 
2. If this bill has already been listed as a " charge-off '' how can another company take ownership over the account? 
3. I have already had my credit destroyed because I had the mistake of working with XXXX XXXX. They retaliated against me because I filed several complaints. 

XXXX XXXX has violeted my Fair Credit Report Act protection.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my Experian Credit Report. I have been disputing a XXXX Account ( # XXXX ) since XXXX 2016. XXXX & XXXX have completed their investigation and removed the negative account from my Credit Report ( XXXX & XXXX ). Unfortunately, Experian remains with this negative account on my Experian Credit Report.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IA)

Navient has been collecting for 10 yrs payments for XXXX loans we received [ all in 2006 ] ... ... the balance of all three loans right now are greater [ each loan ] than what originally was borrowed [ XXXX loan is now XXXX greater!!!!! ] We 've paid XXXX 's of thousands of dollars in the past ten years and show NOTHING for it!!!
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I have provided proof to Experian that a debt needs to be removed off of my report and they keep referring me back to the collections agency. The collections agency is telling me that it is in Experian 's hands. Today and Experian supervisor hung up on me, that is not customer service and I want this address immediately.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

Merchant email has confirmed that a return has been received under authorization number XXXX dated XX/XX/2020. The amount that is supposed to be credited to the XXXX XXXX XXXX card is {$73.00}. Now, four days later the charge has not been credited to my account. Never dealing with any retailer, have I had to wait more than two days after return confirmation for a credit to post. Since, the retailer delays sending the credit to the bank, they should wait informing the customer that the return has been received, until they actually decide to release the return information to the bank.
Consumer complaint received 2015-05-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (FL)

I chose to close a bank account with FirstMerit Bank located in XXXX XXXX, WI. When they gave me the document to sign it showed that only XXXX remained in the account. I asked how that could be and was told of a inactivity fee of XXXX per month. I was totally unaware of this fee. 
I was told by a customer service person that they send out a notice each month when the account is ready for viewing. I told them I have never received any such email. I did check the account a couple of years ago and the amount shown matched my checkbook balance. I usually come up to Wisconsin for a couple of weeks each year. I did not come up last year due to a death in the family otherwise I would have closed the account a year ago. 
The customer service person said " I wish you had not closed the account, now there is nothing I can do ''. I said that makes no sense and I will pursue the issue.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AR)

All cards under XXXX XXXX after XXXX 2003 are not mine. I got my own cards after my divorce. The cards belong to XXXX XXXX XXXX. I believe these reports should not be on my credit reports.