davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

I have my majority of my student loans through Navient, both federal and private, and they have refused to put me on an income-based repayment plan. I have pleaded and argued with them for months now and continue to deny me this service. I have also noticed that every time I speak to an employee at Navient I am told different information whether it is I can file for forebearance or not until my current balance is due, which they currently charged me late fees that add up to {$810.00}. I am sick and tired of being used as a living bank that they think they can take all of my money, and leave me with nothing to live for.
Consumer complaint received 2020-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IA)

statement balance is showing I owe XXXX I do not know how they came up with this balance. I have tried to reconcile my statements. I have tried to talk to them the insist i still owe all this on XX/XX/XXXX, and XX/XX/XXXX I had my boss on the line we called santander and he listened we spoke to a supervisor and she assured us if I made a XXXX payment it would bring me current and i would have another payment due on XX/XX/XXXX so my following payments would be I ended up paying XXXX and XXXX which would leave a balance of XXXX then on XX/XX/XXXX i would owe another payment balance owed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX basicly i made 2 payments they both got reveres both payments were for XXXX i can see where thats taken off and re added what i dont get is how they say i owe XXXX???? 

the last statement i can get and download is dated XX/XX/16 and has a balance due of XXXX which is due on XXXX so 11 days after my payment due date? 

so add XXXX and XXXX bill and it would be XXXX and that is still off XXXX anyway ive called numerous times ive asked to speak to a supervisor so i am sending this all to you and disputing the ammount of XXXX my balance owed should be as of XX/XX/XXXX payment XXXX thats XXXX XXXX and XXXX payment this account is still reporting as charged off they assured me they would not report it as that and they would charge no fees this origanal loan was sold to them from XXXX
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Jim Bottin Enterprises, Inc (AR)

I have been receiving calls and also a letter from Sea 's and Associates. I have never stepped foot in a XXXX fitness location anywhere. XXXX fitness advertisements states {$10.00} per month no contract. They had a XXXX cent promotion going and I decided to sign-up, a personal trainer contacted me via text message and schedule did not fit my schedule so I declined. I used a pre-paid card luckily because I never even went to the gym. However, I really need the phone calls to stop about the $ 90+ that I do not owe!!!
Consumer complaint received 2015-05-07
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Physicians & Dentists Credit Bureau (WA)

was improperly served summons was served to someone i did not know sent the company signed lease agreement for where i was living during service of summons still threatened to garnish wages offered 75 % sif or payment plan they refused
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (CO)

I recently pulled my credit report to find an account that is not mine. I sent a letter to XXXX to validate and send me verification that the alleged account was indeed linked to me. I have received no response since XX/XX/2022. I have called XXXX customer service twice to talk to a human, and both times no one could locate an account that was in collections linked to me. 

I've sent the credit reporting agencies letters to verify the validity of the account and I have received no response and no investigation has even been done.
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OH)

On Wednesday, XX/XX/XXXX I contacted EdFinancial after receiving news of Biden 's Loan Foregivness. The Federal Student Aid website states that we are allowed to request a refund of any payments made throughout the student loan payment pause period that started in XXXX of XXXX. 

I requested a refund of my student loan payments since XXXX of XXXX  from EdFinancial and was initially informed my negative student loan balance would be reinstated within XXXX hours, and that the refund of my payments would take over 150 days. I called back a week later as my negative balane was not re-instated, and was informed that my negative balance would not be reinstated until my refund is issued, which would take over 150 days. 

I have made payments of {$10000.00} during this period and would be eligible for loan foregiveness if EdFinancial reinstates my negative balance and refunds me the payments I have made.

It seems as though EdFinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Seeing other loan providers re-instating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

I am a single parent and this would be life changing money. I am begging and pleading for your assistance. I understand the refund of my payments may take some time and I am content with that, but at the very least they should be able to re-instate my negative balance in time for me to be eligible for the student loan forgiveness.
Consumer complaint received 2022-01-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Refinanced my VA loan on XX/XX/XXXX for {$170000.00} with payments around {$1300.00} mo. Started COVIDXXXX19 Forbearance, XX/XX/XXXX. Current on payments when I started forbearance plan. Continued making payments during forbearance period, loan sold by mortgager to Freedom Mortgage in XXXX of XXXX. From XX/XX/XXXX to XXXX XXXX XXXX payments were made including XXXX trial payments. Loan modification offered by Freedom Mortgage for {$170000.00} despite over 5 and half years of payments. Contacted VA case manager months ago without response, called main number but no return contact despite being told I would. I received a 100 % total XXXX rating from the VA XX/XX/XXXX, and filed for tax exemption with XXXX XXXX. I was provided a letter from XXXX XXXX, and application with time/date stamp. Contacted Freedom Mortgage to update modification offer with new monthly payments since tax exemption was approved. Spoke with tax office and customer service rep. and was told it would take XXXX business days to update the info., send a tax refund for XXXX - XXXX XXXX ( backdate ), and send a new modification contract. I've contacted them multiple times since then and was told the issue was being sent to the research department. No XXXX contact received and deadline for the modification we had was XX/XX/XXXX, as well as payment. I contacted tax office again a couple of days ago and was told the XXXX XXXX office had messed up. I asked if they'd contacted but they said no. I asked if the documents they had me fax on XXXX XXXX were available. They said they never received any fax. I uploaded the documents online via their website which I was advised against the first time. I asked the Freedom Mortgage rep. for guidance, how much is my monthly payment amount since I was tax exempt, when I would receive a new modification contract, etc. I was told they didn't know but would send a request to the research department ( again! ). We have XXXX children and are concerned about our home now. 

100 % XXXX Veteran not receiving tax exemption from mortgage company despite XXXX XXXX 's approval of exemption status and documents provided. CARES ACT violations regarding payments during forbearance, credit reporting errors, and new modification issues.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Brelvis Consulting, LLC (KY)

I was contacted by The Student Loan Help Center in XXXX 2016 advising me that that could help lower my monthly student loan payment from {$220.00} to {$54.00} monthly. I was told that there would be a fee of {$590.00} which I could pay in installments over a three month period. Which was {$190.00} for XXXX, XXXX and XXXX. When I receive notice from XXXX Student Loan payment repayment in XXXX that a loan repayment where {$350.00} When I contacted TSLHC advising them that my payments were not {$54.00} but {$350.00}. They advised that they had forward my work to XXXX there was nothing they could do.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

SYNCB/AMAZON fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). SYNCB/AMAZON is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2020-11-12
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: BARCLAYS BANK DELAWARE (NY)

My dad has the same name as me ever since he left when i was a kid he has been using my social security number to open and try to open numerous accounts under my name cause hard inquiries on my credit report which effected my credit score harshly its making it hard for me to get an apartment or even try to open a account to build my credit.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Performance Management, LLC (IL)

Receivable Performance Management company continues to call my home, cell phone, and now my place of business from several different numbers. When I answer the phone, I get no response. Finally when someone does respond, they wo n't tell me why they are calling me. They continue to call several times a day harassing me and not telling me the reason for the call. They ask me to confirm my name and address. After I have done so, they still wo n't tell me why they are calling. This has been going on too long and each time I block their number, they call from another number. They have called from XXXX, XXXX, and XXXX. I have asked that they stop calling me and they continue to contact me. The address and main number for this company is as following : Receivables Performance ManagementXXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX / XXXX XXXX is reporting inaccurate information on my credit report. We have a hardship agreement in place since XX/XX/XXXX XX/XX/XXXX and in addition, we have a new hardship agreement in place in XX/XX/XXXX for one year.

According to the Cares Act, they are not to report any damaging payment history that would hurt my credit if our account has been modified, which includes a hardship agreement since XX/XX/XXXX for one year and again in XX/XX/XXXX. We have agreed for a reduced payment and paid while under the hardship agreement. We have also caught up-to-date and now paying more than full payments since XX/XX/XXXX without missing any payments. XXXX is aware of this issue and promises to correct the payment history. In addition, XXXX said to dispute with the credit bureaus, and they will correct with no late payment history. Please correct the payment history as paid-as-agreed and Current on payments in the payment history as agreed to by law.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX Capital One incorrectly reported my account status for account status ending in XXXX as 30 days late. I have tried to resolve this with capital one however they are not doing anything to take responsibility for their mistakes. I have spoken to various representatives from capital one at which point they all stated that I am in fact current for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The  documents are even posted on my online profile to verify I in fact have never been late on my account. Attached are documents from screenshots I took just moments ago. This is the United States Of America, and as a citizen I refuse to have my rights violated by Capital One under the fair credit reporting act. Im being denied credit and am suffering personal loses because of it. I have spend hours disputing this information and nothing is done but I refuse to give up.
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

supplemental complaint original complaint no. XXXX the teller and bank manager at XXXX XXXX XXXX. XXXX MI. XXXX acknowledge that the funds for my XX/XX/XXXX credit card payment where misappropriated and all applied to one account leaving the other card unpaid. so i was shocked and surprised to receive a call while working from the collection department aggressively telling me my accounts are delinquent after telling the collection agent to recheck there records again and going around in circles i hung up the phone later that night i discovered that where instantly cut in half someone manually went into the system and changed my credit limits i believe this collection department worker out of retaliation for me hanging up on me decided to destroy my credit profile my last credit review was XX/XX/XXXX and there has been no late or delinquent payments, so this immediate decrease was an unjustified act of terror i have 2 business accounts with this bank and two personal credit cards i believe companies are to appreciate there customers and not mistreat or abuse them this act of terror has not yet been reversed and my credit score has dropped at least 80 points
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

The man I worked for in the XXXX at a XXXX. He wrote me XXXX hecks and i put them into my account and they bounced. He didnt even have the monies in his account! So my account was then closed. The second time someone stole my card and used it to make fraudulent transactions.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (FL)

This is a bill collector for XXXX. 
I had contacted XXXX to make payment arrangements on my final bill of {$500.00} Dated XX/XX/21. 
Last day of service was XX/XX/21. I called XXXX to make payment arrangements they denied me to being able to do that. When I switched to XXXX they were supposed to pay up to {$500.00}. so I sent a check for {$25.00} to XXXX now I'm being hit by Amsher collections for over {$1000.00}. when I contacted them to make arrangements they also denied me the option. 
I'm still trying to find our from XXXX why it was not paid. 
keep in mind this is all in the midst of a pandemic. I'm not working I'm XXXX  & on XXXX XXXX XXXX. it wasn't til XX/XX/XXXXwhen I was XXXX XXXX
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (OH)

Opened a savings account with XXXX XXXX. I go to link my PNC account with it to add funds and it says PNC made a change to the privacy that makes it so you cant link other accounts to it.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Phh Mortgage Company has violated my rights as a successor, according to law sb1150, I have contacted there company on various occasions in regards to the death of my grandmother XXXX XXXX XXXX she died on XX/XX/XXXX loan # XXXX I have sent to them numerous documentation such as my identification death certificates affidavits and court documents stating when probate will be done which on XXXX. I tried to send payment to the company and they returned it because payments were not made prior to my move in date. I have tried to speak to the company and make a modification on the loan or see if I am eligible for forebearance due to covid 19 I was still told I could not get any information and that since I not listed on the loan there was nothing they could assist me and I could not get any information to stop default. Now they have put house in foreclosure and have a auction set in XX/XX/XXXX and I feel that I have not been given the chance or information to best address any defaulted loan because I could not get information from there company. I have called emailed and wrote letters and now it has still not been addressed, I would like to be able to save my grandmothers home and get the proper information to modify and stop foreclosure
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Credit Bureau, Inc. (SC)

I was a part of a data breach which resulted in my information being stolen and used. Since it was a data breach for the company I worked for their legal team handled all prosecutions. I am attaching all documents related to this case.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I received an alert from my bank 's credit monitoring app on XX/XX/22 that there was a change to my credit report. When I logged in I discovered that my Transunion credit score had suddenly dropped XXXX points, lowering my credit status from XXXX to XXXX. In my investigating further for a reason for this drop in my score, I could find nothing - no new credit inquiries, no change in my status, all my accounts paid on time, nothing in arrears. 
I contacted Transunion by phone on XX/XX/22 and spoke with a customer service representative. He looked at my account and agreed that he could see no explanation for my score suddenly dropping XXXX points. When I asked him how to rectify the issue and restore my score to its original status, he became very vague and offered no solutions. He implied that there was nothing that Transunion could do, and tried to make it sound as if Transunion was not the culpable party, even though it's Transunion 's credit score. When I pressed him for some action from Transunion to restore my credit score, he said only that he would make a note in my record and told me I could call back in 5-7 days.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-11-17
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.