davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (IL)

Afni Collections sent a notice dated XX/XX/2016 saying I owed XXXX XXXX XXXX after I already paid a settlement with XXXX XXXX XXXX.
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: States Recovery Systems, Inc. (CA)

The original debt is from the City of XXXX and it was sent to collections company by the name of XXXX XXXX XXXX. the original bill is dated XX/XX/18. This is a bill that should be covered by XXXX XXXX as that was my insurance carrier at that time. the company refused to send the bill to XXXX so sent it to collections and it is now a ding on my credit report. I called XXXX a few times with the XXXX information and they refuse to send the bill to XXXX. I believe it is unlawful to bill a person covered by XXXX. I sent the City of XXXX and XXXX a copy of my insurance card and they refuse to process the billing. The amount is {$1900.00}. The bill from the City of XXXX has an address : States Recovery Systems, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX Thank you for your help
Consumer complaint received 2020-04-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

On XX/XX/2020 I submitted a ltter to XXXX XXXX asking the following : XXXX XXXX XXXX/ XXXX / Account # XXXX -What Name Does This Belong To? 
-What Social Security Number ( SSN ) is affiliated with this account? 
-What address do you have on record? 
-How have you certified for this to be accurate under the FCRA?
Consumer complaint received 2016-11-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I graduated from the XXXX of XXXX. When I graduated in XX/XX/2008 the housing the market crashed jobs were slim to none to come by. I did manage to find freelance work to make ends meet. I was struggling to pay my student loans. When XXXX XXXX sold to Navient the rates changed on my loans as high as 7.25 % variable rates. I called Navient and they agreed I could pay interest only payments at {$400.00} a month. I struggled for the past 12 years making these payments and yet my loan balance grew greater. 
I had to give up my apartment and move in with my sister. I had to stop my car insurance because of lack of money. I take the trolley to my various jobs. I 'm now paying {$100.00} a month for mandatory medical insurance or I will be penalized on my income tax. I set up payments plan with XXXX but stopped paying {$400.00} a month to Navient. I was starving. I have tired several times to set up a pay plan based on my income with Navient. No one will help me and they have now sent my loan to a collection agency. I tried to set up a plan with the collection agency they said I must pay {$850.00} a month. So it has come down to I must eat first and forced to pay the XXXX medical. This ca n't be XXXX that I was born and raised in.
Consumer complaint received 2017-02-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Client Services, Inc. (OR)

Client Services is attempting to collect an alleged debt from me after I sent them dunning letters requesting validation of the debt on XXXX XXXX, XXXX and XXXX XXXX, XXXX. The third letter from them dated XXXX XXXX, XXXX is in violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). 

Client Services has not provided a copy of any agreement between their business and the original creditor. Client Services has not proven the Statute of Limitations has not expired on this account. Client Services has not proven they are licensed to collect in Oregon. These three legal requirements among others are included in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). 

Their letter of XXXX XXXX, XXXX also violates Federal Law by continuing to attempt collection without meeting the legal requirements of the Fair Debt Collection Practices Act. 

In addition Client Services continues violating Federal Law by telephoning no less than 9 times in the past 2 weeks. Documentation available upon request. 

I am filing a formal complaint against this business for operating in violation of the Fair Debt Practices Act, and am notifying Client Services of this filing.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.I am totally XXXX that I have negative information noted below in my credit profile due to its damaging effects on my good credit standing.XXXX Account XXXX I never received any late notification on this account. XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Disputing a listing with the Original Creditor There is no doubt I am aware, credit reporting laws ensure that bureaus report only accurate credit information. 
No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a XXXX which was highly embarrassing and has negatively impacted my lifestyle. XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] With the proof I 'm attaching to this letter, I 'm sure you 'll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.
Consumer complaint received 2022-01-05
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. (FL)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your Company, This has cause me financial injury, this has cause me defamation of character hurting my ability to obtain credit under the COVID Pandemic crisis
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (MD)

In XXXX, a Sallie Mae advisor advised me, that Sallie Mae loans came with income driven repayment plans. Due to this verbal quote, I decided to use Sallie Mae, in addition to my federal loans, for XXXX. Apparently, during this time, Sallie Mae was associated with XXXX ... I 'm sure you know where this is going. 
Once I graduated in XXXX XXXX, I was applying to between XXXX jobs daily. I was turning up short. In order to stay afloat, I was XXXX but after paying for living expenses, I was tapped out. Six months after graduation, Sallie Mae reached out to me to pay up. I was able to " forebear '' the loan for a couple of months, but the way it was explained to me was that it was deferred. I had deferred my federal loans, due to my low income, so the way that the forbearance was explained ; it seemed almost exactly the same. 
Several months went by, I think it was XXXX or XXXX XXXX when Sallie Mae reached back out to me, and insisted that I start paying the XXXX dollar a month loans. I just did n't have it ; honestly, I did n't have it until XXXX XXXX. I fought with Sallie Mae to get the income driven repayment plan that was verbally quoted to me in the beginning of my start in college. Apparently, this did n't exist. It took several months of fighting with Sallie Mae to get the minimum amount due down to a doable amount. I had confided in my parents to help with the loans, and when my mother had agreed to help me pay back this loan, Sallie Mae would n't take her checking account, because it was n't in my name. It was already hard enough, asking my low income XXXX mother for help, and then when she agreed, they would n't take her information!! Because of this, my mother and I had to go and open a joint checking account, just to please Sallie Mae. Since this all happened, we 've consistently been paying the monthly payments and the account is current. 
During the negotiating time with Sallie Mae, they reported to the Credit Reporting agencies that my account was delinquent and this has drastically affected my credit score. My credit was fantastic and I always paid my bills on time. I knew that I would n't be able to pay the amount that Sallie Mae had been forcing me to pay up at that time, that 's why I had tried negotiating, which actually did work, the monthly payment was lowered. 
When I reached out to Sallie Mae credit dispute department a month or so ago, I basically said in the letter, that the marks on my credit were due to both my non-payment, but also their misrepresenting themselves to young and naive college students. These marks on my credit are based off of lies, which is fraud, a criminal offense. All I ask is for the marks to be removed, I 'm not threatening legal action at this time, but if necessary, I will.
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX- XX/XX/XXXX Mortgage payment deferred. 
Entered into ( UP ) Unemployment temporary forbearance beginning XXXX/XXXX/XXXX - XX/XX/XXXX with balloon payment due XX/XX/XXXX servicer assured me at time of entering that if unable to make balloon payment they would work with me. 
XX/XX/XXXX additional UP program approved with payments made XX/XX/XXXX and XX/XX/XXXX Again, I raised concern about ability to make balloon payment and was assured they would work it out with either loan modification or restate. 
Final UP program entered XX/XX/XXXX thru XX/XX/XXXX. Upon end of program reached out to mortgage servicer in early XXXX via Email, they were unresponsive. Contacted them via voice XX/XX/XXXX to apply for mortgage modification and applied wherein rep advised me to look into local support options. I found XXXX XXXX XXXXXXXX fund and applied. XXXX XXXX XXXX  informed me my mortgage service provider not currently participating in program and advised sending letter encouraging to join. Letter sent XX/XX/XXXX. 
XX/XX/XXXX Received letter from Mortgage servicer for modification denial offering Short Sale or Foreclosure.
Consumer complaint received 2016-07-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (WA)

I was naive about the information I submitted online believing as long as there was a lock locked where the website name was typed in that it was a safe and secure site. I was searching for a loan that I would be able to payoff in longterm small installments. I needed a loan to be able to have enough money to get into a new rental home. I being unaware that these companies shared sensitive information with other companies was contacted through an email that I had been approved for a loan of {$300.00}. I gave the site my name, social security number, my bank account number and routing number, even my online signature. I was then contacted by an employee who asked me to please go back as he walked me through the steps of repeating all of my private personal information as well as my signature again. I was under the impression that all that I would need to pay back would be {$390.00} total with interest but that I would be given adequate time to do so either in small monthly payments or after an adequate amount of time until I could pay it back in full. I was shown a payment plan that unless I paid the entire {$390.00} back within two weeks that I would become locked into a payment plan that would start with {$100.00} being the first payment due within the two week period of recieving the loan. Soon after another payment would be due costing me even more than the first payment and so on until I would end up paying around {$1600.00} or more total for a {$300.00} loan. I spoke to a man who is from Student Loan XXXX helping me with a loan in default from 1997 I still owe a very small amount on. I consulted with him about this loan I seem to be trapped in and he recommened that I contact my bank as well as you because he checked out the company and said it has had many similar complaints and that people like me fall victim to this all of the time not understanding exactly what they are getting themselves into and that I also need to protect myself from identity theft because these companies share your personal information to other companies. I was unaware that anyone but me could ever access and take from my bank account. When I spoke to an employee at my bank they recommended that I contact you first and that if anybody were to try to attempt to collect money from my account without my permission that I should then change bank accounts which would be extremely inconvenient but necessary if nothing else can be done.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KS)

I received the original notification from Navient that it was time to begin making repayments on my Student Loans. I knew that was to be expected and planned to do so when I completed my degree, but I had no idea how high the payments would be because the interest alone. I contacted Navient to discuss options and explained to them, there was no way I could pay that much at a time every month going forward, not and pay my bills. The payments were outrageous and cost prohibitive!! Navient said my only option was to consolidate. I went through the consolidation process and set up automatic recurring payments with Navient so they could begin taking automatic withdrawals from my bank account. However, in order to get a payment I could afford I had to stretch out my loan repayments until the end of time - I will be XXXX years old before I can get it paid off and I will have paid over {$40000.00} in interest alone - interest! To make matters worse, I wound up having to take some additional classes. I expected the payments to continue as it had been stated they would and could not stop once the cycle was set in place. Navient stopped withdrawing my payments when my courses began. I contacted them and told them I did n't want the payments to stop because I did n't want the interest to build any further as the interest was more than my loans already!!! Navient said the payments would not resume until I was done with my classes and it cycled up again. I told them I was not happy about that and had set up the payments knowing and expecting them to continue. I have continued making my scheduled payments ever since. I would have liked to go on to get a XXXX degree - but there is no way. The decision to advance my career and get ahead - to be able to afford life is a pipe dream and a scam. Student loans are great, but I gave my degree to loan sharks who only find ways to reap more interest out of me. 
ALSO - I have a loan amount that is a Consolidated - Subsidized loan. It is {$850.00} at this time. I ca n't just go to that one and pay it off in addition to my monthly payments that includes a much, much larger Consolidated Unsubsidized amount. I would love to cut off that chunk and at least stop the interest on it. 
**I am afraid to make any additional payments to any of it because I know my husband has had to prove his payments to Navient on more than two occasions because they were not crediting his payments correctly. I do n't want to deviate from their payment plan when I am able to pay more towards my balance for fear they will lose track of my extra payments and I will just be out the money. 
This has been a very frustrating and costly experience and I am still held back from going further by my student loan debt. Student loans are just another way to steal from and take advantage of those trying to better themselves in the job market.
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (FL)

Radius global solutions LLC will not delet a medical collection from my credit report and it has been paid in full on XX/XX/2022. I have had other medical collections deleted from my credit report once paid in full because it was a medical collection. The collection shouldn't have even been reported as XXXX XXXX didn't even run my insurance which would have covered the services. I paid the collection regardless so it would be removed from my credit report. I spoke with XXXX on XX/XX/2022 from Radius Global solutions and because of their company policy he didn't even want to discuss the credit reporting policy of the company.
Consumer complaint received 2015-12-29
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been getting calls from Midland credit. They call constantly using obscene tactics in fear. I was told from a caller because I could n't afford to pay that he " Knew a place I could get XXXX free meals a day ''. They have somehow gotten my mother 's phone number and told her they have a case with me with the XXXX XXXX district attorneys office. They are also now calling my partner 's parents. I have no idea how they are getting this information and the harassment will not stop. I saw there is a pending case on them as well.U.S. v. XXXX XXXX XXXX XXXX, XXXX, U.S. District Court, XXXX District of New York, XXXX. I feel helpless to stop these harassing and embarrassing calls.
Consumer complaint received 2016-05-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (WA)

On XX/XX/2016 I became aware that I may be a victim of identity theft. Upon my having my credit pulled here locally, I was turned down and immediately called the XXXX credit bureaus. Apparently, a Discover credit card amongst several other accounts with multiple vendors, was opened under someone using a different name ( s ) while using my social security number and date of birth. I also came to find out that this account was opened in XXXX, Texas to which I have never lived nor ever frequented. I have consistently lived in the XXXX XXXX area for XXXX consecutive years now. I have since disputed this account with XXXX, XXXX and XXXX and felt it prudent to also contact Discover using this venue. I have never had an account with this bank in my entire life.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

Fedloan took over servicing for all my federal loans. They consolidated then and now I am asking for a due date change and they refuse. They will not work with me. I want to pay but they refuse to do anything to even help me. Shaday the customer service rep was very rude and talked over me. I asked for a supervisor. I wasn then transferred to XXXX who explained that they will not change the due date from an ICBR payment plan. While I was not advised of this, nor did I know I was locked in a forced to stay with that due date until today. When I had called on XX/XX/2017 the agent I spoke to incorrectly told me information in which Fedloan will not honor. They have a nasty habit of telling me wrong information, which then hurts my credit and hurts my payment history. I have worked hard to stay in communication with this lender but they will not work with you, they will not help you. The answer I always get is pretty much " Tough '' while their website is littered with saying to call in if you are having trouble making payments, or need to change due date. When I filed the ICBR there was NOTHING in any fine print, nor was it ever mentioned in conversations with Fedloan I was locked into that due date. I am now getting constant letters and calls, I am not able to EVER see up to date information because of their computer system. I made a payment on XX/XX/2017, the payment cleared my bank this morning at XXXX on XX/XX/2017, yet Fed loan wo n't show a posted payment until at least XX/XX/2017 making this reflect an additional several days late to my payment. The payments in the past made on Friday would be honored on that date even if it had clearned on the Monday after the weekend. I feel Fedloan is playings, inconsistant and unwilling to even work with borrowers. I can never ever get the same answer twice from them. It 's not right and it is morally and ethically wrong of Fedloan to operate in this manner. Countless student loan lender problems and NOTHING has been changed. NOTHING done at all to help just more frustration from Fedloan every day when I just want to make my payments on time. I was told I owe them XXXX bucks but my account shows pending payment still even though my bank statements CLEARLY show in black and white the payment was made, recieved and cleared and yet I am still 4 days late according to Fed loan. Why is this happening? Why am I denied current access to real time information of my accounts? I will never ever be able to pay off my student loans if they refuse to even compromise when I am begging them to take my payments on a date I know I wo n't be late! Why would any company turn down a customers money?
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

5/3 BANK HAS BEEN OVERCHARING MY ACCOUNT FOR FRAUD AND HAPPENED ON CLOSED CARD. I HAVE BEEN SPEAKING WITH XXXX ABOUT IT FOR 5 DAYS AND SHE HAS NOT REPORTED FRAUD OR ASSISTED ON RETURNING MY MONEY.