davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (OH)

I graduated with mXXXX XXXX XXXX XXXX in secondary XXXX education from XXXX XXXX University in XXXX. I then continued on to get my XXXX XXXX XXXX in secondary education with a concentration in XXXX in XXXX. During that time, I was a beginning teacher in XXXX Ohio, only making $ XXXX a year. I put all of my loans in forbearance because I could not afford to pay them. I don't remember how long they were in forbearance, but it was for several years until I could afford to repay. I never wanted to NOT pay. Because of these loans, I received an education which can never be taken away from me. However, I truly believe that these loans that were in forbearance should be counted towards the PSLF program of which I am enrolled. 

I have also turned in my proof of employment in XXXX of XXXX, but I have not received word as to whether my loans will be forgiven. More Transparency and communication with PSLF would also be helpful. 

The fact that college used to cost {$50.00} a semester compared to the cost I paid ( approximately {$2500.00} a semester ) is outrageous. On top of that, there's interest. For the PSLF, interest should be lowered, forgiven, or non-existent. Teachers can not afford the cost of college, including the interest. What the government does to people via student loans is a shame! People across the country should be outraged. 

Only a few months ago, my loans for the PSLF program totaled {$76000.00}. Now, because interest rates went up, my loans total $ XXXX. This amount is even more difficult to repay than the previous $ XXXX. I feel like I'm drowning. 

I am also a XXXX survivor. Mine & my husband 's savings is gone due to medical bills for treatment & surgeries. I believe that the XXXX should also take into consideration one 's medical debt for canceling. I have no issues providing documentation of my treatment. 

How do I leave a legacy for my child? The debt is crippling. Cancel student loan debt!
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MN)

I've been in the PSLF program since XXXX, in XXXX I learned that I had several loans that didn't qualify. I consolidated those loans into one unsubsidized loan and one subsidized loan, since XXXX I've had those two consolidation loans and 5 direct loans. Last XXXX I did an employer certification and had updated payment counts of 107 on my five direct loans and a payment count of 69 on both consolidation loans. This month I received forgiveness on the two consolidation loans but at this point the five direct loans remain unforgiven. All the loans originated prior to my public service and all should have the same payment counts under the waiver. 

I emailed Fedloan but haven't received a response at this point.
Consumer complaint received 2022-01-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

negative accounts XXXX ( XXXX ) listed on my credit report that is negatively effected my credit score. I demand the account to be removed from my report due to statute of limitations. According to the FCRA, accounts passed statute of limitations must be removed from report.
Consumer complaint received 2017-06-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (NY)

I had a original credit card through Military Star Card that the limit was {$5400.00}. I XXXX from the XXXX in XX/XX/XXXX and in XX/XX/XXXX I received a letter stating that Military Star was going to be taking {$170.00} per month from my XXXX check. I received a phone call today from XXXX XXXX with XXXX XXXX XXXX XXXX saying that he was a debt collector trying to collect a debt for Military Star Card and it would be around {$5000.00}. I explained to him that I having been paying Military Star Card every month in the amount of {$170.00} from my XXXX check. He put me on hold and looked into it and continued with owing them around {$5000.00} and the reason that the amount has not went down is because of the {$69.00} interest charge that is being charged each month for not paying. I called Military Star card and talked to XXXX and she explained to me that the debt has not been owned by them since XX/XX/XXXX. I asked where the money from my XXXX check was going to and she explained to me that they are allowed to collect that because I have had a debt with them. Can you please help me to find the proper resolution to this problem. Thank you for your help.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I regularly check my credit reports, and noticed it's been over 7 years since my Sallie Mae account transferred to XXXXXXXX XXXX XXXXXXXX XXXX. I reported it to all bureau asking that Sallie Mae listed on my report dated XXXX be removed as its over 7yrs. I received several letters from Navient, stating the information they have provided to the bureau 's are correct, meaning that I have an account with them. I immediately responded asking Navient to provide document to support an open and active account with them, as they've been reporting. They have provided nothing to support my having any obligation to pay them. As noted my account was transferred prior to Sallie Mae going defunct in XXXX and Navient taking over. To date my account with XXXX XXXX XXXX XXXX is in good standing and payments made on time. Navient is not listed any where on my Student Loan as having any  association with my account at all. I've asked them on several occasion to provide documents to support an open active account. They provided me with my promissory note dated XXXX, XXXX, which is NOT in any way showing that I'm obligated to pay Navient, but the XXXXXXXX XXXX   XXXX which again is in good standing to date.
Consumer complaint received 2021-05-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX Capital One received a debt validation letter from me regarding the alleged debt that they are claiming i owe. Any person who attempts to collect a debt falls under the FDCPA ( Fait Debt Collection Practices Act ) Under 15 USC 1692 ( g ) I requested a written notice containing the amount of debt owed, the name of the creditor to whom the debt is owed and a statement that upon the consumers written request within a 30 day period the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. I also requested a ( n ) audit trail according to ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX of the alleged debt that is owed on the account stated in the letter. This is a violation of 15 usc 1601 subchapter ( a ) & subchapter ( b ). Its been 2 months Since this letter was sent ( usps tracking XXXX ) this is also a violation 15 usc 1692e ( 2a ) 1. False representation of the character, amount, or legal status of any debt ; or 2. any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Capital Ones failure to correspond is an admission of guilt.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Razor Capital, LLC (FL)

I XXXX XXXX disputed over and over again that credit one bank was settled and paid in full. A paid charge off. XXXX  XXXX  nor XXXX who I have written to many many times as well have disputed on line will not correct nor update comments and balance. Its a XXXX balance and comment should say paid charge off or paid and settled for less. I have proof of letters that account was paid. It was originally XXXX XXXX XXXX  account they sold it to XXXX XXXX XXXX. Then XXXX XXXX XXXX told me they sold it to a third party RAZOR CAPITAL. Razor Capital is the collection agency I had to settle and pay charge off of XXXX. Their phone number is XXXX
Consumer complaint received 2022-10-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AL)

URGENT - FORECLOSURE SALE XX/XX/XXXX In XXXX, during the Covid-19 and Hurricane Sally era, our mortgage was placed into temporary forbearance, as per our request. Once the forbearance period expired, we requested a Modification/Deferment of the payments into a subordinate lien due at the end of the mortgage term. 

As requested by XXXXXXXX XXXX XXXX, we submitted Borrower Response Packages in XXXX and XXXX of XXXX and again in XXXX and XXXX of XXXX. 

We contacted XXXX XXXX XXXX each time to confirm the Borrower Response Packages ' status and confirmed that the Loan Modification was approved. 

Many attempts were made to submit the monthly payments, and our inquiries resulted in different answers from different representatives, all without any clarity. We have not received Monthly Statements reflecting the Modification, allowing us to submit the original payment amount of {$1200.00}. They have rejected the monthly payment attempts on every occasion. 

In XX/XX/XXXX, our loan was transferred from XXXXXXXX XXXX XXXX to Specialized Loan Servicing. 

Based on a phone conversation with an SLS representative, our home is scheduled for foreclosure on XX/XX/XXXX. He advised us to send in the Mortgage Assistance Application immediately, which we did. We have not received written documentation regarding the foreclosure date or process. One of our neighbors found a USPS Certified Mail Slip in the road that is addressed to me and XXXX, but the address is for XXXX XXXX XXXX, our address is XXXX XXXX XXXX. We dont know what was in this package. 

Yesterday, we received written notice that the file could not be reviewed because of the amount of time between the file submission and the foreclosure. She said that SLS requires 37 days to review, which we were also not advised of. She suggested we apply for assistance through Mortgage Assistance Alabama. I attempted to do so last night but they are no longer accepting applications this year. 

We are not able to pay a lump sum of {$35000.00}. According to the representative that I spoke with last night, the total amount is now over XXXX XXXXXXXX. Ive requested the amount due for reinstatement. The processing period is several days but is due to arrive on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX  and Specialized Loan Servicing have not attempted to resolve this matter for over two years and now it has escalated to what could be a devastating loss.
Consumer complaint received 2022-01-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated (TX)

XXXX XXXX keeps repeatedly calling me, after requesting for them to stop calling me back in XX/XX/2021. I have submitted several complaints with the Do not call Registry, blocked their number, but they still call at least four to seven times a day six days a week. I'm not sure why they keep calling me, but I don't know what else I can do to stop this aggressive marketing harassment. Please reach out to this company, to have my phone number permanently removed from their calling and marketing list. Thank you.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

I have hospital visit bills on my credit report which are negatively affecting my quality of life. I have been a XXXX recipient since XX/XX/XXXX and am currently XXXX due to medical reasons. I checked my credit today and found that XXXX XXXX XXXX XXXX has negatively impacted my credit report. I am under federal income guidelines as not being able to pay for medical care, hence I qualify for XXXX When doctors and hospitals only get a portion of what is billed through the process of capitation, they then turn around and harass people who are already socioeconomically impacted. This is not fair AT ALL because it is hindering me to find housing, obtain utilities, and is causing undue stress  which lowered my quality of life. I do not understand how being poor and underprivilaged means I can not obtain housing during homelessness, services and utility assistance, and any potential job I may apply for. This is also negatively impacting me to find affordable car insurance, obtain a cell phone, or even WANT to visit an ER/Hospital when needed due to the possibility of the medical insurance not covering the billed amount and the debt being sold to an agency for pennies on the dollar and then the agency harassing me and ruining any chance at an education, suitable housing, and even vital utilities such as water, and electric.
Consumer complaint received 2022-01-27
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: SHABANA MOTORS (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (ME)

Receiving SPOOFED PHONE CALLS phone calls from an American Express offshore debt collector, XXXX XXXX XXXX. They are calling multiple times per day. I have attempted to speak with them and settle with them and have told them they can call me within the limits of what the law allows. However, they are calling me multiple times per day, harrassing me, even after I speak with them. They are masking/hiding their true numbers intentionally, calling from spoofed numbers appearing to be in my area or in a nearby city. I have spoken to them multiple times telling them I have lost my employment due to COVID and they are welcome to call me each day if they want to, but they are calling, 3, 4, 6 or more times per day, attempting to offer settlements and are changing their phone numbers repeatedly so that it appears I am getting calls from what I think may be job recruiters, etc. They become angry when I ask for an offer to settle in writing and one representative told me that they are not based in the United States and are not subject to the laws of the United States. 

The callers are in and from XXXX XXXX
Consumer complaint received 2021-05-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Solutions Inc (AZ)

I received a call from a debt collection agency entitled " Debt Solutions, Incorporated '' stating that they had a debt for me that had not yet hit my credit but could shortly. I immediately asked what date they showed on the account as it was unfamiliar to me and the representative stated it was XXXX so not yet past the period they could collect. Again as it was unfamiliar to me, I asked to have a " Validity of Debt '' letter emailed to me which they kindly agreed to. Upon review it was apparent to me that they were not, and had not been, truthful. 

The letter indicated that account had been opened on XX/XX/XXXX, so 14 years ago! They had also indicated a charge-off date of somewhere in the XXXX era but the letter provided showed XX/XX/XXXX or a mere 3 months after the account opened. 

My initial response to the " VOD '' letter stated exactly, and I do mean exactly, the following : " I definitely dispute the validity of this debt and this correspondence should be considered my notification in writing as such. '' During the initial call in which I had requested the VOD letter, we had also arranged a follow-up call which I just received and which prompted this complaint now. The same individual that had contacted me initially was the one reaching out, and after quickly alleging the debt was not valid and that the dates on the letter didn't align with what they had told me the first time, I wasn't responsible for it. This prompted the agent to then transfer me to their " supervisor '' who immediately offered me a settlement for several hundred dollars. I repeated to this new person that even a settlement made no sense when all I was doing was disputing the validity of the debt itself. 

The " supervisor '' repeatedly said " you know this debt is yours and you have a responsibility to pay it '' to which I replied that I had stated numerous times including once in writing that I disputed the validity and that the dates on the VOD letter did not align with what I had been told by now two people from Debt Solutions, INC. '' He continued to say that what I was saying wasn't truthful and that further action would be taken against me. I simply stated that I disputed the validity and he continued to suggest that I was refusing to pay and that I had said as much. 

After that I injected legalese into the conversation to the effect that our words had ramifications and him saying I was refusing to pay had consequences and comparably my disputing the validity did as well. I said he was in no uncertain terms calling me a liar after which he simply disconnected the call. 

I would like to not be contacted by this company again and I am reporting their dishonest actions so this happens to fewer people. There are many people who receive calls like this that would simply accept the debt 's validity and pay it without asking for proof but the letter they provided indicated no such proof.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX Account XXXX : XXXX, XXXX XXXX FIN Account Number : XXXX, XXXX XXXX FIN XXXX XXXX XXXXXXXX Account Number : XXXX XXXX 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXXXXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America is closing the site where I have my safe deposit box on XX/XX/XXXX. I called to make an appointment but was told I have to come into a service center to make an appointment in order to close out my safe deposit box. During the pandemic I have limited my contact with everyone and I only want to make one trip to the bank, I was on the phone with Bank of America customer service rep on XX/XX/22 for 1 hour and 40 minutes and they could not resolve this issue, I only want to make an appointment and not expose myself or my husband, Going to the bank twice, once to make an appointment and once to close the box would require me to ask for transportation twice and this is a hardship for us as well as an added financial drain. The only resolution that Bank of America would offer was a mailing address to file a complaint. Since the bank is closing the physical location on XX/XX/XXXX, this needs immediate action. can you please offer some guidance?