davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Enerson Law, LLC. (TX)

I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : XXXX XXXX XXXX Debt Collector : Enerson Law, LLC Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016
Consumer complaint received 2016-05-03
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association (NJ)

To summarize, I have an 18-month liquid CD with New York Community Bank with a " DO NOT RENEW AFTER MATURITY '' when CD was opened with the branch manager. This is also noted on the Notes section of the CD contract agreement. This was a liquid CD type to make sure I can withdraw the funds when needed for funding my kids college costs. The CD had matured earlier this year but NYCB bank automatically rolled it into a regular 18-month CD with a very low rate, since according to the bank, I did not notify them during the grace period. Note that the original CD was a LIQUID type with a " no renewal after maturity '' terms. I was told that I would be penalized ( $ XXXX+ ) if I withdraw the money. So now, my funds are locked into this low 18-month rate with a penalty if I take my money out. I am also an " Elite '' program customer supposed to be given higher rates ( CD, Savings, etc. ), more benefits, at this bank. According to the bank, because of this " Elite '' customer status, there is a benefit to auto renew the CD when it matures and this overrides the CD contract agreement!!! When this Elite program was offered to me, all that was disclosed to me were better rates, avoidance of fees, personal service, overdraft protection, etc. There was not a mention of any overriding the contract agreement. I have spoken to the branch manager and several bank employees of the bank and I was even told that the bank do not normally follow these notes/terms on the CD contract. The NYCB bank breached the terms of the CD contract agreement by reinvesting my funds automatically into a REGULAR CD. To add insult to injury, I was told that as an added benefit going forward, they will revised their policies to make it clearer to customers going forward. I have mailed a copy of the complaint to the CEO/President as well as the COO. I am still waiting for a reply. Since these operational procedures are not followed at this bank, it is causing customers like me to suffer and pay for their violations. I want to raise all these points to the regulators so it should prevent others to suffer like me.
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC. (NC)

I have received several phone calls from a representative for XXXX XXXX XXXX or XXXX stating that I am going to be sued for an online payday loan that I received on XXXX/XXXX/2010 and stopped paying on in XXXX of 2010. I did not take out this loan nor did I receive the alleged funds. I am very concerned as the company had the last XXXX of my social as well as my bank account information. The company is threatening to send processors and take me to court. Please advise me of my next steps.
Consumer complaint received 2015-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (AZ)

I graduated from XXXX XXXX XXXX XXXX, 2015. The lender is aware of this. They now say I am 3months overdue. I have a 6th month grace period after graduating. They refuse to address this. I have had the same problem with this lender over the years. They did the same thing when I got my XXXX. Last summer, they did the same thing, even thought I was still enrolled in y graduate program. They never address the issue.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MO)

The debt is listed as being incurred in XX/XX/XXXX against a business that closed in XX/XX/XXXX and was closed debt free with all business relationships finalized and satisfactorily closed out. I contacted the orginator ( XXXX XXXX XXXX ) without any success because I could not produce an Account Number of the closed business. This debt collector now wants payment or will continue to send me letters and call my home.
Consumer complaint received 2017-02-02
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Neon Newco Corporation (CA)

XX/XX/2016, I notice a unauthorized foreign transaction was pending on my PayPal prepaid card, I immediately alerted PayPal prepaid and they did nothing about it. I researched the charge and learned that the charge has been reported by a lot of people as suspicious and fraud. Then PayPal prepaid took it upon themselves to cancel that card without my consent, without giving me a chance to pull the rest of the money I had in the account out, and they left me with no way at all to access the funds, they did this to me At the worst possible time which was XX/XX/XXXX, they left me broke and and I did n't get to celebrate or enjoy the holidays at all. They cause me so much hardship and had me waste so much time and energy everyday for the next 3 weeks calling them trying to access my funds. They would have me On hold for hours, reconnect me to another person several times and they would just hang up on me. They also caused my XXXX account to closed down because they would not approve the wire transfer I had scheduled, even though I had enough money for the transfer, causing me to go negative {$220.00}, and because of another transfer they did n't approve I was unable to pay off a loan from lendup and now I owe even more money. I first talked to them XX/XX/XXXX, they told me I would be updated about the situation XX/XX/XXXX, when XX/XX/XXXX came they told me I 'd have to wait till XX/XX/XXXX now. It 's starting to feel like they were the one that did the fraud charge, they have not been cooperative at all and they have n't helped me at all, Instead they caused me Even more stress and so much hardship ...
Consumer complaint received 2016-09-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

To cut down my loan faster, i wanted to do XXXX things 1 ) make bi-weekly payments and 2 ) put additional money each month into my loan. They said they could n't do the first, and then to do the second, i 'd have to MAIL a LETTER with a check and an explicit request to put the extra money into the PRINCIPAL. I complied, but when the money showed up, it went into my interest, not PRINCIPAL. There needs to be more regulation in this field to stop banks for figuring out how to maximize their profit. I got an education, not a Corvette.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows THIS ACCOUNT IS A FRAUDULANT ACCOUNT : B XXXX FIN SVCS LL XXXX IQUIRE NOT DONE BY ME ADT LLC ADT SECURITY Miscellaneous XX/XX/XXXX Equifax DEFENDER SECURITY Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX SER Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX SER Miscellaneous XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX TransUnion & Equifax XXXX Bank XX/XX/XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Finance XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank Apr 2, 2015 Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX, XXXX A Oil Companies XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XXXX EquifaX
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok Equifax knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I disputed an account with Equifax about an collection account. 
The dispute was with XXXX XXXX XXXX regarding a comcast cable bill. 
I have made several attempts to get debt validation from XXXX XXXX XXXX regarding this debt. They have not sent me any debt validation. Over the phone I was told by their representative they do not have the information and they need to get it from the original creditor. That was over 2 months ago. 
Equifax had noted the debt came back verified. I do not believe they received accurate information for this collection debt
Consumer complaint received 2016-10-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

My son has a private student loan that I co-signed on. This loan has been all over the country with different lenders. However when I spoke to a collector they gave me XXXX name that I tried to contact however, they no longer have the loan but it is in Navient system. I have contacted them several time and just found out that what is in their system is wrong and Navient owns the loan. On private loans there is a 12 month forbearance. However, do to illness and hours lost from work I requested a 2 month forbearance I pay {$900.00} a month but I am behind 1 month. I am trying to work with them however, I was hoping to get this forbearance to make life simpler and not so stressful. They stated they could n't. I know that my time is up but helping a loan borrow is always more helpful. 
This loan gets paid off next year. I am hoping you can help me in this situation. XXXX XXXX said to contact you in hopes that everyone could work something out. This a hard company to work with because everyone has a different story to tell me. I am hoping for a forbearance to bring the loan current
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (MA)

I sent my parents a money transfer using Xoom, a XXXX Service on XX/XX/2023 at XXXX. Xoom tracking number : XXXX for {$6100.00}. So my parents can use it for their medical emergency. Xoom say it will be deposited in few minutes but it has been 5 days now without payment to my parents or refund back to me. 

On their website, it says Transfer Status : Final ( transaction completed ) Amount you will receive : XXXX XXXX Bank deposit to XXXX XXXX XXXX XXXX ( XXXX ) {$6100.00}. 

However, I dont see money in XXXX Account. They have been saying. We are investigating without giving me any timeline. Please help with my situation. Thank you
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

I filed Chapter XXXX in 2008 it was discharged on XXXX XXXX, 2008. Iberiabank continues to report negative information each time I dispute the information they change the closed date to the date of the current dispute. They can not report after the date of discharge. the account will remain derogatory indefinitely if they continue to illegally report.
Consumer complaint received 2015-08-14
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (CA)

The is was a Private Student loan I got when I was attending XXXX XXXX in XXXX back in 2007. I had to drop out of school due to me losing my job and trying to stay afloat and provide for my family. My financial situation got so bad I had to file chapter XXXX bankruptcy.. At the time that Private Student loan was with XXXX XXXX XXXX Once the bankruptcy was clear I started to pay them back month but XXXX XXXX was still reporting negative things on my credit report preventing my credit to rebuild and I was unable to go back to school.. I made countless attempts for them to stop reporting negatively while I was still paying but the negative reports continued. Since I was n't getting anywhere with XXXX XXXX I decided to give up. Since then the account was taking over by a company called Navient once this happen I started to get nasty phone calls from collection companies threatening to garnish my wages. I let them know I can not afford to pay them monthly due to me living pay check to pay check. I also let them know I do n't have any money to settle this account. Once Navient took over the account they reopen the account on my credit report started to report delinquent every month and now they are placing this account as a open Collections account. I had to relocate for work so I can continue to make money but I 'm getting hunted with this in my new state. I can not even get a place to live I have to stay with friends and family..
Consumer complaint received 2023-02-03
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: LEXISNEXIS (TN)

I sent a letter dated XX/XX/21 from United States XXXX XXXXXXXX XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX several times to all XXXX  credit bureaus. 
.All have used stall tatics and letters of correspondence not to process or fully process my dispute, Now that I have contacted the source of the court on my own behalf and received notice that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX XXXX XXXX XXXX and XXXX and they are using and retrieving data information from a " third party '' verification system, which my letter of verification has come directly from the source listed on my credit profile. 

Not that I have gone to Lexis Nexis they want to stall the process dispute as well it looks because they are claiming to need " Additional Documents and information to authenticate my identity. So I am attaching proof of identity to promptly process this complaint because it is clearly a violation of 1681 ( a ) ( 5 ) to keep reporting it on my credit profile, considering it does not require an reinvestigation. I would appreciate your response promptly. I should not be still fighting this issue another year later. 
I have attached XXXX or more copies to authenticate my identity to process my complaint.
Consumer complaint received 2015-08-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (MN)

I have a common maiden name. I got married in 2008 and am now under a different name. For the last several years my mother has been getting phone calls from Navient trying to collect a debt of someone with the same maiden name as I had. She has told them repeatedly that it 's not me who owes the debt. I have called to speak with them and they told me that my social security number and birthdate do not match the person that owes the debt. But somehow my parents ' names and their phone number and my current address are linked to this other person. They told me that they could clearly see that the debt is not mine since it is not my SS # and birthdate. I asked if they could stop calling my parents ( at times the calls have been borderline harrassing ). Navient said they would put a note attached to their # saying to not call it anymore. I had this same conversation a year ago and the calls started up again. They recommended I call the credit bureau to make sure that my credit scores have not been affected or that this other person is using some of my information. As far as I know, I still have a good credit score. I have to still call the credit bureau. I 'm not sure how to make theses calls stop or how to get my parents ' # and names and my current address unlinked from her.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

Navient is my student loan service provider. In XX/XX/XXXX, I was told by a Navient representative that I could apply for an income-drive repayment plan to lessen my repayment amount and I was informed of the paperwork needed. I was told that I would get a 30-day grace period and was specifically told the 1st payment would not be due until XX/XX/XXXX. I was not given a specific deadline for my paperwork to be submitted. I was also given a monthly repayment amount. 

I submitted the paperwork 2 weeks later, around XXXX. In XXXX XXXX, I received an e-mail confirming I was approved for my income-driven repayment plan ( which was suggested and selected FOR me ), that my monthly payment was approx. {$100.00} more than the amount provided to me in XXXX, and that payment was due within the next 24 hours. I called Navient immediately, and explained what the representative told me in XXXX ; that I would not have to begin repayment until XX/XX/XXXX and that my amount should be less than what was stated in the e-mail I recently received. I was told the previous representative gave me wrong information and there was nothing they could do about it. The previous representative FAILED to tell me that there was a deadline to submit my paperwork in XXXX, because one of my loans was close to repayment around the time I called Navient in XXXX and if my paperwork was submitted after the that loan entered repayment, I would no longer qualify for the 30-day grace period. Additionally, the previous representative FAILED to tell me that she was not including one of my more recent loans in her repayment calculation and that is why my repayment amount was {$100.00} more. I was led to believe the plan I selected would have a less expensive repayment amount, when it actually did n't. Now I am stuck struggling to pay my loan payments each month ( late ) because their representatives intentionally misled and misinformed me.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

My loan has been put into forbearance under the behest of Navient. Multiple times Navient has denied me the ability to pay the loan according to my financial situations. Rather, Navient, has forced me into expensive forbearance programs which have run into arrears. I was put into default and have had to pay a 14 % fee to return the loan back into good-standing in order to just to apply for IBR. Why was this not available to me beforehand? Why has Navient been unable to counsel me into a better program. I was directed into a debt services company for Navient ( XXXX ). A 14 % fee has now increased the loan by $ XXXX which has now allowed me to enter into IBR only after this fee has been assessed. This is not right and is unethical.