davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

Navient has send XXXX of my Student loan to XXXX XXXX XXXX XXXX when I remain in College at this with other Student Loan from Navient. Also, my co-signer received the same letter. They should not even be part of my Student Loan. They state that if I pay XXXX that the Loan would be settled. I know this is Not true.
Consumer complaint received 2016-05-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (MD)

Sometime XXXX XXXX, I secured a {$1000.00} loan from Mariner Finance in XXXX MD. In addition to the original loan, I also opted to pay for the supplemental insurance ( Unemployment ) should ( unfortunately ) this should occur. Due to unforeseen circumstances, I fell behind on 1 payment which prompted numerous and repeated phone calls to both my cell, home, and work. Each time-especially work, not to contact me here for phone calls are monitored by security. The company refused to adhere to my wishes and continued to repeatedly call my job which placed my employment in jeopardy. On XXXX XXXX, XXXX, I lost my job due to downsize-at least that is what I was told. Shortly thereafter, I submitted a letter to the company alerting them to the change and asked for the necessary claim form. Instead of them providing the necessary claim form for payments, Mariner Finance instead chose to allow the loan to continue to accrual interest which the loan has now near {$3000.00}. Complaints were initially filed with the XXXX and MD Dept of Labor Licensing and Regulation ( DLLR ) and had been removed from the Credit Reports. Upon a recent review of my credit report, the account now re-appears on the report dropping the score by a staggering XXXX points. As a victim of identity theft, I regularly monitor my reports for any and all suspicious activity. I am also XXXX and have been in this unfortunate predicament since XXXX/XXXX/XXXX. Since seeing this information reappear on the report, I have subsequently initiated another complaint with the XXXX which does n't seem to be any resolution in sight. However, by virtue of their own admission, the loan should have been paid off in XXXX. I somewhat tend to agree had they processed my claim form for which they did not. Now, after more than 2 years have passed, they are now requesting that I fill out the claim form for processing. Hence, my question : How can this be properly processed-if at all when the loss occurred in XXXX? Moreover, it is my belief that Mariner Finance is attempting to correct a mistake that simply ca n't be undone and ( purposely ) continuing to access interest on a daily basis in an effort to collect more monies that are owed-if at all due to the supplemental insurance.
Consumer complaint received 2017-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I have a federal student loan from XX/XX/XXXX, and no matter how much I pay, I ca n't seem to get this loan paid off. In XX/XX/XXXX it was for {$31000.00}. I graduated from the program ( it was a graduate program ) XXXX years later, and began to pay the loan. In XX/XX/XXXX, I was home on XXXX and since I was working XXXX meant no income. I made arrangements for a forbearance. At no time was there any mention of increased interest or fees. However, when I began to work full time again in XX/XX/XXXX ( I actually began to teach as an adjunct in XX/XX/XXXX, but the pay was very low ), I began to make full payments again, and that was when I saw that my loan had ballooned to {$38000.00}!. I have been paying more than the monthly amount for years now, and the loan reduces very slowly. It does n't seem correct that after all this time, I am still paying this loan back in XX/XX/XXXX. Please look into my situation and see if something is incorrect. Thank you!
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

I cancelled This Equifax recurring Transaction ion XX/XX/2016 at XXXX XXXX and have the Email from Equifax To prove it and the continued charging me almost 4 years later till I called tonight and they cancelled it again.

I tried to get my money back and they refused.

I need help getting my money back to my Credit card
Consumer complaint received 2016-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

I just recently found out that I qualified for deferments instead of forbearances with Navient. I have been unemployed while my Parent Plus loans were due. Navient has applied a deferment once. All other times I was placed on forbearances. I now have a monthly payment over {$430.00}. My current balance is now {$54000.00}, which {$10000.00} is capital interest due to being given forbearances instead of deferments. I still have 13 months of unemployment deferments left. I contacted Navient and asked why was n't I given deferments on my account instead of forbearances, the agent stated that she could not answer that for me. I would like to have the capital interest that has accrued on my account cancelled. 

XXXX, XXXX XXXX
Consumer complaint received 2015-04-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

I met XXXX XXXX in school. We were both attending XXXX XXXX XXXX XXXX and XXXX back in 2007. I was not aware of that I 'm a responsible person for both of her loans until now. She asked me to help her out and be only on her form as reference. She said that she will be paying for her loan and I have nothing to worried about. It was never explained to me that I would be liable for her payments. I was paying for my own school at that time and never missed any payments. I trusted her because she tried to be my best friend and I gave her my personal information such as social security number, address, employer and so on. It was a very big mistake. I defiantly misunderstand the whole process and did n't know that she was taking advantage of me because I was very limited in my XXXX and been recently moved from XXXX was not aware of all the loan responsibilities. She was not honest with me and she did filed multiple loans under my name without my permission. I never signed anything and never got any alerts or notifications from the loan company. Otherwise I would never done it. All I wanted just to help a friend to go trough school and get her education. We only had XXXX conversation about her school loan back in 2007 but after she got needed information from me she filed XXXX loans that I did n't authorized. I have t dispute these fraud activities because it 's effecting my life negatively and XXXX is not in contact with me any longer still taking advantage of my credit history.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I 've been having continuous hardship and problems with paying my student loans. Every time my forbeforbearance period is over I get emails asking if I would like to extend my forbearance. I never knew I could be eligible for any income repayment plan. They have been reporting my loans late on my credit even when I 'm currently under forbearance which my payments are suppose to be deferred bits it 's damaging my credit and putting me in deeper debt.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

There was a discrepancy in the family as to who was paying a XXXX XXXX bill in XXXX of XXXX. After some deliberation, in XXXX XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX/XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by either the XXXX XXXX or another entity, not ourselves.
Consumer complaint received 2015-05-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

While attending undergrad I obtained federal and private student loans. My federal loans are under control thanks to the program available such as income based repayment plans. Although, my private loan is putting a strain on my finances. Without a payment plan I would have to pay approximately {$800.00} a month which I DEFINITELY can not afford! As of now I am in a graduated repayment plan option paying {$370.00} a month which increases every year. It is still putting a hardship on my life but it is better than paying {$800.00}. I am not asking for no one to wipe out my loan due to me using the money and I should be held responsible. Although, I am asking for some alternative plans that would help people who are not financially stabled or who have not landed their career job yet. Or even a program to stop ALL interest rates to allow you to pay off what you currently owe. Since graduating in 2010 my private student loans have doubled the amount due to high interest rates. When applying for loans I did not know the difference between a federal or private loan, I did not know about interest rates, I did not know many things, I just know that I was a young adult ( teenager ) just wanting to go to school to " better myself '' and to " land a high paying job ''. My school was XXXX XXXX University in XXXX, XXXX.
Consumer complaint received 2016-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

Navient continues to have my loan in default status and says I have a past due balance of over {$1500.00}. However, I entered into Rehabiliation with XXXX in XXXX 2015. Payments are current and automatically deducted from my bank account on the XXXX of each month. I have submitted supporting documentation from XXXX to Navient, which I should not have to do if Navient referred XXXX to me, several times and even highlighted the Navient account number on the XXXX documents. It is as if Navient is forcing me to pay the rehabilitation agreement amount AND the monthly payment they calculated, which is not what I was told by XXXX when I entered into the agreement
Consumer complaint received 2016-05-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (GA)

Navient is calling my work. I have explictly told them I am not allowed to have calls at work and to not call me here. They have also sent numerous faxes to my work with my personal information for everyone to see, my full name, social, and birthday, and requesting my employment information without permission or subpoena.
Consumer complaint received 2016-02-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: STATE FARM BANK, FSB ()

For several months I have been trying to get XXXX XXXX XXXX to have State Farm Bank to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that State Farm Bank charged off in 2009. XXXX XXXX XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from State Farm Bank or XXXX XXXX XXXX as an attachment to an email. My email address is XXXXXXXXXXXX
Consumer complaint received 2015-06-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vital Solutions, Inc. (IL)

In XXXX 2014 I entered into a settlement agreement with Vital Recovery. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. XXXX XXXX has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement.
Consumer complaint received 2015-11-09
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CarMax, Inc. (WI)

I purchased a vehicle the first weekk of XXXX 2015 from Carmax. I approved the carmax associate to run my credit XXXX time and that was to get me approved. I got approved then i drove the vehicle and it had multiple problem so with the carmax guaranteed approval of satisfaction i took the car back and got another one. During that process i didnt know they were running my credit all of them times. After i fouind out i called up to the store and asked them why they ran my credit so many times and i was then told when you have multiple inquiries from the same company they will merge together and become only XXXX inquiry.
Consumer complaint received 2015-07-01
Product: Debt collection — Federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: IQOR US INC (CA)

When contacting Allied Interstate LLC to try to resolve an issue regarding my debt they were very unprofessional. I spoke to a representative that was very rude and offensive. It was clear from the moment I made the phone call that no one really cared to help me. After taking a verbal beating from multiple representatives I requested a supervisor and was appalled when the representative told me to basically ask her nicely for one. Once I spoke with a supervisor ( XXXX XXXX ) he was not much help either. He never offered me empathy or apologized for the actions of the representatives. He offered to call me back to help resolve the issue and I have a feeling I will have to call this company back again. This company makes it near impossible to resolve any issue that involve them needing to correct a mistake they have made.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (NV)

I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a debt.
Consumer complaint received 2017-01-20
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)

I took out a XXXX XXXX loan in XXXX to study for the bar exam. I returned to school and then graduated in XXXX. After graduation, I was unable to find a full time job and worked part time and as a temp until XXXX of XXXX when I was unable to work. My loan payment was extremely high and I was unable to pay the required amount. I contacted them on several occasions looking for a repayment plan or program, so for them to work with me as I was on unemployment at the stated time. I provided proof of the unemployment and they refused to work with me. Because I am was not making enough money to even get household items, I could not make the payments. I have had threatening calls, which I reported but got no response from the person who I sent it to at the company. Eventually they placed it in collections. When I became employed I tried to work out a payment plan with them again and after a lot of conversations and negotiations with the creditor I was able to make payments. Even though I make my payments monthly and on time, they refuse to let the credit agencies know about my payment so on my credit report it shows that I am late and not making payments. This is n't fair and it is something that they should work on since it has been raised as an issue with the XXXX committee because it is considered looks a default on a student loan. This is interfering with my career and I am making payments as I agreed to with them. I have tried contacting them about it and they keep passing me around to someone else who is never available and wo n't return my calls. But even if payment is made, they call me constantly to talk about changes or negotiate a settlement, it not about the issues I face. It is very frustrating and I am not working in my field right now so I am not making a lot of money to negotiate a settlement, I just want them to be fair and stop giving me the run around. I are willing to pay, and I have been paying even with their high interest rates and no wiggle room to negotiate repayments. A lot of students end up in debt and unable to make repayments unless it goes into collections, and why donot s it have to get to that point for us to get on a payment plan or are able to show hardship? They are not willing to work with student and that needs to be fixed.
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (TX)

We refinanced our home to pay off some credit cards. A check was mailed to Citi Cards with the payment coupon sheet in the amount of {$9500.00}. Citi did not post the payment. After two full weeks, I contacted Citi and presented the paid canceled check from XXXX XXXX company. I was promised the funds would be applied to my account within 48 hours on XXXX XXXX, 2015. It is now XXXX XXXX with no funds posted to the account. I have called and spoke to multiple account supervisors and the funds are always 2 to 3 days from being posted. They have the payment and have refused to post it in a prompt manner. Let others take note that Citi can not or will not post payments promptly. I will never recommend this card to a friend.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX an unauthorized transaction was made on my credit card through my PayPal account for {$360.00}. Then again on XX/XX/XXXX a second unauthorized PayPal transaction was made on my credit card for {$250.00}. This was a fraud charge, I immediately called my bank and closed my card. I contacted PayPal and their response was no unauthorized use which I find completely unacceptable. The party that received my money dont even sound like real people, the first account was to XXXX XXXX and the second to XXXX XXXX XXXX used to purchase the same good XXXX twice. I do not feel accountable for these unauthorized transactions.
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

I 'm writing to complain about the way Navient treated me and, ultimately, failed to inform me of my rights, when I called XX/XX/2015 to seek debt forgiveness on account of being unemployed. I lost my job XX/XX/2015, and I phoned Navient several times in an attempt to find out about delayed payment options and income-driven debt forgiveness. The operator initially directed me to a federal web site and refused to tell me about any delayed repayment options. I called back, spoke to another operator and only learned about delayed payment options after demanding to know my rights and insisting that such an option existed. I was told by the XXXX operators that Navient did n't offer any delayed payment options for my loans. That was a lie, clearly. 

In my conversations with the customer service agents at Navient, I repeatedly asked about any income-driven debt repayment program. I explained in detail that I was out of work, had a mortgage and was supporting my XXXX year old daughter. Navient 's agents insisted multiple times that there was no income-driven debt repayment program. I made several calls and talked to many agents. They only agreed to have my payments extended after I effectively pitched a fit on the phone. Then, did they say I could reduce my principal and interest payments. Navient caused me undue hardship and failed to offer me an income-driven debt repayment plan when I needed it most. I have gotten a job since then, but I was out of work for 14 months, and I could have benefited significantly from relief that was due me. My dealings with Navient were beyond unpleasant. I have never dealt with a company that refused to tell me my basic rights and obfuscated the truth from me. If I had not demanded repeatedly that they offer me a delayed payment plans, I would have not been able to meet my monthly payments, and my loan could have been thrown into default.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

Navient is reporting that my student loans have been charged off and I owe a balance of over {$40000.00}. Meanwhile, the accounts are over XXXX years old and should be removed from my credit report. I filed chapter XXXX bankruptcy in 2010. I have attached the accounts that Navient refuses to update in their system and remove from my credit report. Some accounts are over 10 years old.
Consumer complaint received 2016-08-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MT)

I am a single parent and received no support from my daughters father. I signed for parent plus loans, and eventually consolidated my XXXX loans with the parent plus loans. Because of current rules related to consolidated parent plus and my loans, I am not eligible for low income rates or loan forgiveness. I spent all of my career providing care for underserved populations, whci normally provides loan forgivness programs. since I consolidted the loans, I am not eligible for any of these programs ... .this is so wrong! Also, apparently my loan and personal info. is availabe to scam people and I got a letter from " XXXX '' a fake agency ... .our persoanl info should be protected from anyone getting it ... my loan agent is Navient. How did this XXXX know my name, address and loan specifics??????? unless it is easily available. At the least, it should be protected personal information ; there needs to be strict laws protecting our private loan info, along with our name and address ... etc.
Consumer complaint received 2017-10-12
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: ALLY FINANCIAL INC. (IL)

Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.