davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (LA)

I am writing in concerns about a student loan that was taken out in 2009. I attended XXXX. Before the sign up I was promised that my credits were transferable and they would assist me with job placement. Neither of the promises were honored. I was told they were an accredited college they were not that either. The loan taken out was supposed to pay for me to get my certification. It cost a {$100.00} out of my pocket to become certified. I feel as if I was told all this information just to sign up for the program. I have gone to the location several times, nothing was accomplished. XXXX XXXX were supposed to contact the graduates to verify if they had job placement. No one never called. Until this day I do not have a job within the field of my XXXX XXXX. I had to work odds and ends job just make ends meet. I thought me attending school again with guaranteed job placement would help. Instead, I am stuck with debt and empty promises.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I order an item on line item never arrived file a complaint dispute they gave me temporary credit received letter saying they gon na take credit away because merchant provided tracking number went to postal office tracking number is in another address and in someone else name plus is and envelope it is impossible that 2 night stand tables will fit in an envelope that is what I order I go to bank fax proof with photos of all this they still won't give me my money
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

I called first XXXX XXXX and told them I needed help paying my loans they consolidated my loan but the interest rate kept going up then Navient took over and when I tell them the payment is too high they put me in forbearance for a month or 2 at a time and I end up with a debt of XXXX from XXXX. I ca n't pay my loans it will be XXXX if I make my payments of XXXX a month I ca n't afford that
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

The loan repayment process has been a long painful struggle. When applying go my federal, non-Federal, and Navient loans it was not made clear on what is expected of the borrower and payment process. When initially applying for loans, it was not noted nor was I informed that the loan would be broke up into many smaller loans. The interest rates for the loans have been so high that even paying the bare minimum does nothing on the principle balance. I have tried to make my payments and have applied for forbearance 's when struggling but my principle balance and interest continues to grow. When looking at my accounts, it is completely confusing to understand the loan process. Since I have had to apply for forbearance 's, my interest has added XXXX dollars to my loan since graduating. When applying for repayment plans for certain lengths of time, the long-term actions of the borrower is made unclear. When the repayment process is over, the loan payments and interest rates skyrocket to make paying the monthly amounts unrealistic. I recently have been paying monthly on my loan, however I keep getting calls several times a day about non-payment. When I call and talk to a person, I keep getting different answers and nobody seems to really give me an answer. Last time I called, the person told me that I have not been making payments and there is no record of me making payments, however it have been debited from my bank account for several months. The whole process is overwhelming and I know I will never come out ahead.
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. (LA)

Was paying XXXX and Navient $ XXXX+ faithfully every month. I went through a financial hardship and called in several times to see if I could get the monthly amount decreased. XXXX and Navient told me that they could not grant that request and that I would have needed to reach out to another financial institution such as my bank to see if they could possibly refinance it with a lower interest rate.
Consumer complaint received 2015-12-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

I have been in contact with Ally Financial 's overseas customer service department, then their fraud department, then several supervisors, and never received several return phone calls as promised about the fact that they have erroneously reported that I paid XXXX payments thirty days late to the credit bureaus, when even by their latest missive that is INCORRECT. A single car payment was {$660.00} per month at that time. Many attempts to have this rectified have them ascertaining that they reported it correctly ; when from what they 're saying and what they sent to all of the credit bureaus {$1200.00}, is not reflective of what they, themselves is incorrect. I have been going on with this issue for two months and either they are n't doing the math, or they 're just refusing to correct their errors. Thank you.
Consumer complaint received 2016-01-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (VA)

I have fraud alert on my Chase Visa card, which I appreciate, but I DO N'T appreciate how they use it! I made a credit card purchase from an overseas internet vendor -- whom I have used before and who I know is reliable. Instead of just alerting me that this purchase looked suspicious and asking me if it was valid, Chase DECLINED the transaction -- even when I verified that it was legitimate. This put the burden on me to re-contact the vendor and start all over again!!! Also, it delayed the shipment of time-sensitive items. Obviously Chase did n't want to be exposed to fraudulent charges so instead of just putting a hold on the transaction until they verified whether it was legit, they declined it, making more work for me. NO OTHER credit card company I do business with uses this procedure.
Consumer complaint received 2016-09-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. When I initially spoke with someone they lied and told me that they were accredited. Had I known that they were not I would not have attended that school. I was also pressured into attending the school, when I left I had people contacting me for weeks. When I completed the necessary paperwork to attend, they told me I was not eligible for any grants and that I would have to take out student loans. I later found out while attending another institution that I was eligible for grants and did not have to pay out of pocket or take out loans. I Do n't think it is fair that I was basically taken advantage of and received a degree that is now laughed at when on interview. Fortunately I continued my education at other public universities. I hate that I fell prey to their scam. I also has a private " genesis '' loan that was paid in full. What can be done to help me with the loans that are now due for payment for a degree that I ca n't even use and Is n't even considered while searching for employment.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

i consolidated my loan through XXXX XXXX, I had XXXX loans, they were charging me interest on each loan and when I talked to them to do this my understanding was that they would make the loans XXXX, so I was told to pay {$2500.00} to start with I which I could n't even tell where that was deducted. We have been paying more on the loan than they asked each month and we have been paying for about 16-17 years and still owe alot ... so each year we get a payment slip for 12 months, this year we did n't get one so I called and I was told that when it was time to make another payment we would get them, we are payed ahead to try to save on interest, so I tried to make payment on the phone and she wanted to charge me for the payment {$14.00}. I have never had anyone charge me to make a payment, because I did n't have slips to mail in ... .said I was paid up so until an actual payment was due they would not send payment slips ... and interest on XXXX accounts is not cheap ... this is not a consolidation.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have repeatedly asked for evidence to support your reporting, but yet again, your company have failed to provide me with a copy of any viable evidence, substantiating their claims. 
Given that I believe you are acting in bad faith, and have not complied with the Federal Trade Commission ( 15 USC 41, et seq. ), I will filed a Small Claims lawsuit against you for failure to validate late payment on credit report. ( FCRA Section 611 Part ( A ) ( 1 ) I have maintained careful records of your company actions, and you are now required to appear at Superior Court of California , XXXX Dept. BM XXXX California XXXX on I am seeking {$5000.00} in damages for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Navient Solutions Inc. has failed to validate the late payments. Failure to remove item off credit report. Fail to provide proof of item. Deformation. Violation of the Fair Credit Reporting Act, Negligent Establishment of Identify Fraud. On other separate occasions they failed to provide me written proof of any late payments which I requested in writing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OR)

I have had multiple issues with XXXX. Now known as Navient. 
I have been unemployed since XX/XX/2017. My payment on my private loan is due XX/XX/2017. I contacted them and spoke with XXXX agent # XXXX to notify and inquire if I could miss 1 month without derogatory marks on my credit. I have not missed XXXX payment in 5 years and have paid off XXXX of my loans. She proceeded ask inappropriate questions such as as my living arrangements. Why my adult children were in the home. 
What did they pay to be here IE : utilities & rent. She brought up my credit report and proceeded to scold me for my debt. I did point out that I was being proactive in calling Navient about my employment status to inquire about any possible arrangements. And, if she looked at my payment history, my credit report was at 100 % payments on time. I did not call for financial advice. Nor was my debt ( other than Navient ) and my adult children 's living arrangements any of her business. She seemed to enjoy rubbing salt into the wound of a customer who was trying to do the responsible thing and who DOES take her debt and credit report seriously. If I had wanted financial advice, I would contact an expert. 
Not XXXX # XXXX who works a call center. They can change their name but it is the old XXXX!
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Navient is the worst company, you ca n't even pay additional loan amounts unless you call in a payment or send in a check. It 's been going on over a year since their new website launched, it is like they are doing it on purpose so they can milk more interest out of me. They have severely failed their customers, I work in XXXX as a XXXX at a college so I am not some novice when it comes to this field. I am being punished because of their faulty practices, I spoke with XXXX who has followed up with me after my complaint to the XXXX. of XXXX and she has been helpful but she does n't run the company. How is it that a website can ONLY allow you to pay what is due? If I wanted to add {$50.00} to my payment I can not unless I send a check or call them, this is a ridiculous solution in XX/XX/2017 when everything is online and mobile. I never had issues before they broke off from XXXX XXXX, XXXX XXXX was no treat but I could at least pay more money monthly into my loans. I do n't even know if my loans have been properly serviced over the years, if I was a betting man then I would guess there are all kinds of errors on them and the payments have n't been properly allocated. I really feel I am owed something from this company, I myself have thought about legal action which would be expensive but I have family who work at law firms as well as friends who would most likely be willing to assist. I am sick and tired of the excuses I get from Navient, telling me I do have options to pay additional principal via phone or sending in check is a pretty weak solution to their website seemingly purposely not allow you to pay off your loans quicker. No other servicers have this issue. I really want this to be seen because I am in the party who is trying to pay their loans off ASAP and Navient makes it XXXX near impossible and their solutions are horrible.
Consumer complaint received 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NE)

After my Nelnet loans came out of forbearance following my graduation I was billed my initial payment of about {$700.00} on around {$70000.00} of student loans. I was unable to pay such a large monthly amount and submitted paperwork for income based repayment ; however I was still responsible for that first payment. I did not have the money to pay it so I opted to put my loan in forbearance until Nelnet processed the paperwork. The employee read the disclosure and it sounded like it said my interest would be added to my principle balance-I asked for clarification and was told that no-nothing on my account would change I just would n't have to make the payment so I agreed. The representative lied to me and the interest obviously was moved to my balance increasing my loan amount to about {$75000.00}. My recalculated payment ended up being $ XXXX/month. Each year I have to fill out a form to reassess my income based repayment amount ( many other loan companies have a form you fill out once, not annually ). While this paperwork was processing I once again ended up with a monthly payment of about {$800.00} -it 's conveniently higher now because I owe Nelnet more money because they lied to me-until my income based payment was reassessed. My new monthly payment is now {$200.00} a {$67.00} increase from last year which I can only assume is because I owe more money because my income has not increased from the last assessment and I still owe the {$800.00} payment. A representative once again tried to convince me to put my loan in forbearance, glossing over the fact it would add nearly {$10000.00} to my principle balance and when my loan is reassessed next year the payment would no doubt increase, not to mention the obvious-the amount I owe would go up to {$85000.00}. This representative was at least honest when I asked about my interest. I can not make this {$800.00} payment. There is no waiver of the payment and my only options are : pay money I do n't have, do n't make the payment and ruin my credit, or put my loan in forbearance and owe Nelnet even more money. There is no way to make a formal complaint at Nelnet. I feel like I was tricked into owing more money, representatives misinform and persuade customers into allowing their interest to capitalize, the annual paperwork only serves to create a month where customers are vulnerable to high payments and more likely to be forced to make a poor financial decision to protect themselves in the moment as well as their credit in the long term. Nelnet does not serve or care about their customers-they are only using them to continue to make money and increase their student debt.
Consumer complaint received 2015-09-29
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (PR)

I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming a XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender XXXX XXXX to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX College, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX COLLEGE due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness XXXX practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.
Consumer complaint received 2016-05-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc. (CA)

CarMax auto finance has taken advantage of our family, gave us a high interest rate, we have paid over 4 years now and tried to work a settlement offer and refinance for a lower payment and they will not cooperate whatsoever. We are having financial hardships, my husband has been on XXXX leave and I am a XXXX XXXX XXXX that works only 9.25 months a year. We have tried to contact the company with a reasonable settlement to deliver the car as a voluntary repo with a settlement paid status so they do not come for the balance since the car has been paid in full from the price sold, they can still sell it and make more money off the interest. We have spoken to over XXXX customer service representatives and XXXX managers and have had no luck in getting any type of arrangement made in writing. They will not work with us at all and are very unhelpful. We feel they have discriminated against us because we are minority with this high interest rate and we have paid and made payment arrangements in good faith. They are unwilling to help our family in need we have XXXX children and my husband still remains on XXXX. We feel the offer was fair and given our circumstances and true inability to pay any longer and our family is now in a desperate situation requesting the company 's assistance to come to an amicable arrangement. We know it can be done and has been done.
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D&A Services, LLC (NC)

Repeated phone calls looking for someone by another name. I have had this phone number for over three years. Most recent harassment is from D & A Services, LLC., but they will sell the information to then next set of thugs to continue the harassment. When confronted with the wrong number, they claim " we do n't have this number in the system. '' This is a fraudulent claim, since they had called less than XXXX seconds before and hung up before I could get requisite information to formalize a complaint with their organization. 

If this were an incidental wrong number, this would not be an issue, but this is a concerted effort to harass by so-called debt collectors who keep selling this bad number and refusing to remove it from the database.
Consumer complaint received 2015-05-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Texas Guaranteed (TX)

I defaulted on my student loans when I got out of school, because I did not have a job. 
Texas Guarantee has sidestepped every effort I have made to get these loans out of default. 
My original loans were about XXXX. Texas Guarantee wage garnished me for 5 years and took almost XXXX from my checks. Texas Guarantee refuses to set up a payment plan and is about to wage garnish me again. They say I still owe over XXXX on my loans. It is easier to wage garnish me, and much more profitable, because I qualify for a low payment. Texas Guarantee is running a racket and has ruined my credit. The people that work for them have no idea how to follow instructions. The new case worker has telephoned me one time. I have asked them to email me repeatedly. I have sent my income tax to them and answered every single question they have asked. It is not an advantage for them to get people out of default, so therefore, they do not put much effort into it. I requested a hearing, and they have given me less than a weeks notice. I tried to get it scheduled for another date and they refused. They are the most difficult company I have ever tried to do business with. If they do n't set up a payment plan for me, I will not let it go back to wage garnishment. I will quit my job and go on food stamps, before I ever let anyone take money from my check that I do not get credit for. Texas Guarantee is a governmental agency which is allowed to steal from the public and has no oversight. All I have asked for is a payment plan and to take my loans out of default.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (NJ)

I currently have my loan serviced with great lakes, the website is very hard to understand, nor is there a way to see an amortization schedule to see how much principal/interest I am paying into the loan, there is also not a way to pay down principal which seems to b e in violation of the higher education opportunity act of XXXX.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.