davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I am a XXXX year old and graduated from college is XX/XX/2014. I have been using Sallie Mae which then switched to Navient for my private loans to help pay for school. I had to apply with a co-signer ( my grandfather ) because there was no other way to apply for the loan with out him. Obviously wanting to obtain a college degree, I did anything i could to apply for my student loans. Since graduating college i used a few forbearances to get myself on my feet and start coming up with the money to begin paying my student loans back. They were upwards of XXXX $ total. The monthly payments they were expecting were not feasible for myself at the time. I eventually discussed payment options later that year and was able to receive income based payment plans which started under 300 . I was easily able to pay that and continue living a normal life with some extra money for living expenses. Then my Income Based Payment plans expired and they called to say my monthly payments would increase. I applied again for payment plan and we agreed on around 400 $ and then they increased again to around {$420.00} a month. These conversations for filled with emotion, obviously, because at this point they are taking every little bit of money Ive been saving and draining my accounts because of my monthly payments. The time came last month when i had to renew my payment plan and i was denied because i was able to obtain new money which Im not sure where this new money has come from because i havent gotten a raise. I make XXXX a month after taxes.. i pay over 800 $ in bills to live. Navient is now asking me to pay XXXX $ a month. I dont even have that in my account. They gave me the option to pay XXXX a month. I accepted it, trying to figure a way to scrape by each month. But it was denied. Now i have no way to pay my monthly that they are expecting without a decent payment plan. If they take the money out of my account i will have a negative account. What do i do? Stop paying my loans and go into delinquency? Ive paid my monthly on time and in full for the past 3 years or so. Ive never missed a payment. Im having a very hard time trying to understand why Navient will not work with me and help me out. Thank you. 

XXXX XXXX
Consumer complaint received 2018-01-24
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I had {$76.00} past due with a Wells Fargo Visa card. The reason I was past due was because I did not receive any communication from Wells Fargo that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, Wells Fargo denied my request to have the late payment removed from my credit reports. I believe I was denied by Wells Fargo without consideration that I did n't have knowledge of a late payment.
Consumer complaint received 2018-01-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A complaint was previously filed against Transunion and the complaint number asigned was XXXX on XX/XX/XXXX Transunion responded to the complaint. Attached is the copy of the response under loaded documents. 

More than 30 days have passed and they did not respond to me as they mentioned. I checked my transunion report online and I still see the two accounts in question still reported. Transunion. 

My question is, if Transunion is reporting two accounts, under those accounts, they provide and address so That I as a consumer can write directly to the companies reporting incorrect information. And the Unites States Postal Service keeps returning to me the letters sent to the companies with a label affixed to the envelope that says " Undeliverable as addressed or Unable to forward. And I send a copy of that envelope to Transunion, and they keep giving me the same response, that they will investigate, yet when they investigate, they reply, " Account verified ''. Is it not Transunion 's obligation to either provide me with a correct address for the company they keep verifying or with all the proof I keep sending them that the letters are being returned, the right way to fix this is to delete those two accounts that obviously I am not able to get a hold of by mail.
Consumer complaint received 2018-04-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

On or about XX/XX/XXXX, I had to move out of my apartment due to being relocated for a new job. I turned in my notice to vacate the residence, along with the keys to the landlord. Per my lease agreement, I was on a month to month lease, and according to Florida Statue 83.595 ( 1 ), ( 2 ), or ( 3 ), we selected choice 2, in which we did not agree to liquidated damages or an early termination fee. I also did not receive a proper accounting of security deposits in which we paid since we have moved in on XX/XX/XXXX. I have since attempted to contact the property management company who did not assist in trying to correctly remedy this problem. I understand that I owe 1 month rent, minus the additional security deposit that they owe me, or to apply towards the balance owed. Once this is corrected, I will then work out an arrangement to remedy this balance.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

I have been hit with a {$710.00} deferred finance charge from XXXX   XXXX  ( XXXX preferred card ) on XX/XX/2018. 

According to the finance company, unfortunately the charges were incurred by a deferred payment method, which to my surprise is an extreme charge compared to my pre finance charge balance of {$400.00}. 

I need help with this account, if need be I can pay down the entire {$400.00} in order to avoid long and unnecessary commotion with comenity bank and then settling the account for {$200.00}. 
As a consumer, I am obligated to pay the balance down but when I get charged such an immense amount for finances, especially when you dont expect and have finances for it to be paid, there is only so much that we can do.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There was a fraudulent inquiry done with XXXX XXXX XXXX XXXX on XX/XX/2018. XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with Transunion and XXXX  as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.
Consumer complaint received 2018-04-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Just last year I had my car repossessed. I was not able to pay my loan because I was unemployed close to a year. The only way I was able to make money was by helping a friend from time to time and it was enough for anything and could not afford the payments. Last year I was struggling with trying to get a job to catch up on my bills and could not was behind on everything not just the car. This all happened around XX/XX/2017. Since I got my car back I have been making my payments on time and have a great job now and able to manage my money better and stay on top of my bills. I have tried to work with the company to get my repossession moved after showing them that my payments have been good but they are not willing to work with me.
Consumer complaint received 2018-01-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.
Consumer complaint received 2018-04-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (AZ)

Escrow I have a 30 year fixed, 3.25 % VA loan with P & I monthly @ {$510.00}. 
Someone appears to be defrauding my escrow account as my payments have escalated from $ XXXX/month to over $ XXXX/month in less than 6 months. 
Prior to XX/XX/XXXX my Insurance costs were $ XXXX/year and my monthly payments were {$620.00}. 
My insurance premium is only $ XXXX/year now and I am being billed $ XXXX/month. 
I have asked the company to explain how my insurance premiums ballooned on XX/XX/XXXX when I was already paid and covered from XX/XX/XXXX - XX/XX/XXXX.. no one, not even their advocate has explained this to me. I have attached three insurance forms to show something is terribly wrong with my account. 
I have also attached a screenshot of my existing account which is BIZARRE. Please note that I have never missed a payment and that I have NOT been charged a late fee, but they insist on charging me $ XXXX/moth. 
My XXXX should be : {$510.00} + ( T= XXXX/XXXX= XXXX ) + ( I = XXXX/XXXX=XXXX ) = {$640.00}
Consumer complaint received 2017-04-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rossman & Co & PCB (OH)

I received a phone call for a collection of a medical bill form 4 years ago. I had never received any communication from the doctor or any collection agency. PCB/Rossman and Company contacted me and I agreed to pay the bill, but I wanted a letter stating that it will not be reported to credit. I also wanted the letter to include the amount and creditor, since I had never received any communication. They agreed to send a letter with the information regarding the bill.  After 2 wee ks, I contacted PCB again. I still had not received the letter. I asked for a supervisor and was put into a voicemail. I never received a call back. I called  2 mo re times requesting a supervisor and was put into  XXXX   XXXX  's voicemail each time. I called again and spoke with someone that spoke with a supervisor named  XXXX . He said he would provide a letter that stated what I requested. Six days later I received a letter that simply stated a  XXXX  % discount, but nothing about not reporting to credit. In the meantime, I have continued to receive calls from them, but never the calls back from a supervisor. One gentleman told me he could n't give me a letter because it was a HIPPAA violation. I have had my mother helping me with this issue and a lady named  XXXX  finally called her back today and said they will not provide a letter stating that it wo n't report to credit ... ..we just need to trust them. My mother works in  XXXX  and explained to her that the credit bureau will not " trust '' me to get something removed from my report. They said that they will remove it ... should something be reported. However, they will not put anything in writing stating that they will remove or not report something. Since my mother works in  XXXX , she knows that they will not just remove something based on a conversation with a collection agent. I need something in writing. We have called and called. We always tell them that we will pay the bill, but we need something in regarding reporting to credit. I am at my wit 's end. I am planning to buy a house in the n ext 6-8  months. I want to resolve this, but I need assurance that this will not hurt me later. I  hope  that you can help navigate through this situation with the collection company. I have never had such a hard time trying to give someone money.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

1.ASKING ALL " LATE '' MARKS BE REMOVED AS " GOODWILL GESTURE '' DUE TO SERIOUS ILLNESS ALL REPORTED 30 60 & 90 LATE MARKS BE REMOVED AT ONCE FROM ALL MAJOR CREDIT BUREAUS OR 2. PROVIDE ME ALL SIGNED DOCUMENTATION ASSOCIATED WITH CLOSED ACCOUNT # XXXX FOR VERIFICATION IF UNABLE TO PROVIDE TO VERIFY ENTIRELY REMOVE COMPLETE ACCOUNT FROM ALL MAJOR CREDIT BUREAUS UNDER 609 ARTICLES FAIR REPORTING ACT. 

CLOSED ACCOUNT ENDING IN # XXXX
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I AM A VICTIM OF FRAUD. I HAVE A 90 DAY FRAUD ALERT ON MY CREDIT FILE. I HAVE INFORMED EQUIFAX THAT THE FOLLOWING INQUIRY IS UNKNOWN AND UNAUTHORIZED WITHOUT RESOLUTION. I HAVE ATTEMPTED TO CONTACT THE COMPANY WITHOUT RESOLVE VIA CERTIFIED MAIL ON 2 INSTANCES. EQUIFAX HAS NOT VERIFIED THIS INFORMATION IS CORRECT, YET IT CONTINUES TO BE INCLUDED IN MY FILE. INQUIRY ON XX/XX/17 FROM XXXX XXXX XXXX. I ASK THAT YOU REMOVE THIS UNAUTHORIZED INQUIRY FROM MY CREDIT REPORT WITH YOUR BUREAU, AS I DO NOT BELIEVE THERE IS ANY PERMISSIBLE PURPOSE PER THE FCRA WITH THIS UNKNOWN BUSINESS ENTITY.
Consumer complaint received 2018-04-11
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. (LA)

I took out private student loans beginning in XX/XX/XXXX that came to total {$20000.00}. By the time I graduated and once my grade period had ended I began paying those student loans in XX/XX/XXXX. My monthly payments have been between $ XXXX- {$250.00} every month since then. Over the past 7 years Ive experienced financial hardships ( putting it lightly ) due to the high cost of living + my student loan debt. I attempted multiple times, begging and pleading to the point of tears, literally while on the phone with Navient, to please help me lower my payments. I asked if I could refinance By releasing my a co-signer and they said Yes, after making 24 consecutive payments. 24 months went by, payments made without missing a beat! I was so excited to call and have my co-signer released and my payments lowered after making so many payments! Heartbreakingly I was told that I did not qualify to have said so-signer released or my payments lowered due to my credit, which was actually GOOD at the time ( worth mentioning : my co-signer also had good credit ). Theres never any help other than deferring my loans or putting them into forbearance for a month or two at a time, which only makes the situation worse in the end because of more capitalized interest. I was late on payments some months, but not by much due to Navients borderline harassment phone calls collecting payment. I would be less than a week late and still receive calls multiple times a day, many Saturday afternoons and Sunday evenings. Ive tried so many time over the years to have my payments lowered, all to no avail. Theres never any valid or explained reason other than I just have the lowest payments available already. Heres the kicker- Ive made 72+ payments worth $ 230+ and I still owe {$17000.00} ... thats only {$2500.00} less than what I originally took the loan out for ... 7 years after consecutive payments!!! One interest rate is 11.25 % and the other is 6.25 %. Believe me, Id love to throw larger amounts of my measly paycheck at this balance every month, but HOW?! Im barely surviving as it is. Ive worked steadily 3-4 jobs at any given time over the last 4 years trying to make ends meet. Navient has done absolutely nothing to help me ... Theyve actually done the complete opposite and have seemingly deliberately made life more difficult for me. I dont know what to do any longer. I feel like Ill be paying these for the rest of my life with my incredibly high interest rates and lack of support from Navient.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RGS Financial, Inc. (LA)

I have had several account, that don't belong to me or that aren't correct. The accounts are as follows : RGS Financial acct # XXXX   Phone # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Original creditor ( XXXX XXXX  ) Never had this account, didn't sign for it or authorize this account to be issued.

XXXX XXXX Acct # XXXX Phone # XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX original creditor ( XXXX XXXX XXXX  ) I went into the ER and I had insurance, my insurance company, didn't notify me I had a small balance due. Nor did the service provider notify me via phone, mail or email, that there was a balance due. XXXX XXXX, didn't notify me of any debt, via phone, mail or email.In order to place a medical bill on a credit report, as a negative account, the debtor must notify and provide a certain period of time, to cure the balance prior to placing it on the credit file. Not notification of any kind was provided, to me as the consumer. Per the fair credit reporting act.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion sent me a letter confirming that the XXXX XXXX inquiry was deemed fraudulent. I recently submitted a complaint to CFPB with details about how I reached out to these companies and Transunion concerning the inquires listed on my report. I asked each company to submit a statement to Transunion and I attempted to dispute with Transunion as well- XXXX XXXX, XXXX XXXX , XXXX, and XXXX XXXX  . XXXX XXXX is the only company to comply. I am asking for the other inquires to be removed per my rights stated in the letter attached sent on behalf of Transunion. I can not make the other companies comply but this is proof that I did follow protocol and disputed with each company as Transunion asked me to.
Consumer complaint received 2018-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Special Financing Company, LLC (CA)

I obtained a loan for a XXXX XXXX XXXX XXXX from my XXXX so that I can attempt to XXXX. The loan amount was paid directly to the doctor however after having an XXXX XXXX it was discovered that the XXXX were never removed meaning although I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  therefore, I am requesting to no longer be obligated for the loan I obtained and that the loan company retrieve payment from the Doctor Who they paid to complete the procedure. ( XXXX XXXX XXXX ) no one at the medical facility is contacting me back and no one that at XXXX XXXX XXXX is attempting to resolve the issue or contact me back either.
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have owed student loans since XXXX. The total originally was around 50k. Over the years I have been offered forbearance for my loans that resulted in a much higher balance. Originally I was with Sallie Mae and then was transferred to Navient. I feel that Navient failed to help me with options that were available to me and would have helped me throughout the years. In XX/XX/XXXX-XX/XX/XXXX I was having a horrible financial time and Navient could have offered me the IBR plan but did not help me with this option or properly help me seek this option. In XX/XX/XXXX I  applied and I was actually denied the plan even though I qualified. I feel that Navient made it difficult to be set up on the IBR but very easy to be placed in a forbearance. I was so unhappy with Navient and at some point I was contacted by a third party that offered me the IBR plan and explained it to me. This third party said i needed to transfer to XXXX  XXXX XXXX in order to be able to take advantage of the IBR plan because Navient did not allow it. As a result I have been on the IBR plan with XXXX XXXX for a few years now. My payments are affordable and I have not seen an increase in my principle as I did for so so many years. Due to the Navient and Sallie Mae multiple forbearance and high interest I currently owe XXXX and had I been on the IBR plan when it was first implemented back in XX/XX/XXXX I would not owe so much interest and so many more years of payments. 

Also, Navient was evaluating my situation and said I did not have to worry about the late payment and they ended up hitting my credit with a 90 day late. This is still on my credit. 

If I could please join the lawsuit I feel I am a good candidate. Thank you!
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CA)

Debt was owed from my previous employer for which I worked as  XXXX  employee. They somehow personally made me personally responsible and damaged my credit. We have written them via certified mail and they refuse to answer proof of debt. Never notified me of a debt owed and called family members, harassed me, threaten to sue all for a debt that is not mine and ruined my perfect credit for which I lost a home refinance and credit card due to my lowered score.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Services (TX)

This is now the second time submitting a complaint against this company ARS Prior complaint XXXX STATUS Submitted to the CFPB on XX/XX/2017 PRODUCT Debt collection ISSUE Written notification about debt We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX