davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I have been trying for months to get this company Navient to backdate the posting dates of my checks. My bank has faxed them the front and back of every check sent from XXXX XXXX XXXX for the entire year of 2015. These checks are stamped on the back by the XXXX Treasury. Navient sees the date on the front of the check, the date stamped by the XXXX Treasury on the back of the check, and yet posts my check days later. They keep reaching out to their financial department with the advice like the bank should only send XXXX big check instead of XXXX individual ones for XXXX different loans. When I do this, I get the same posting late problems. The associate backdated my check right away as recently as last month. I have had some associates backdate some checks and others are more reluctant. I know this is a huge compliance issue because I am being charged daily interest. These discrepancies concern the majority of my payments ; as much as XXXX percent. When you multiply my daily interest by thousands of other customers who are paying through bill pay like me ; it is an issue. I have been informed by my bank ; XXXX XXXX XXXX ; that they are directed under contract by Navient to only send paper checks, thus setting me and thousands of customers like me up for failure. I tried to send my payment through their website with the very first payment and Navient said they do n't know why it was unsuccessful. They have a record of this. When a company asks for proof of payment and the bank faxes proof, why ca n't they fix this? I have paid more than the required payment every month, yet they sent me a letter about if I need financial help and want to go into forbearance! What is wrong with this company? To add insult to injury they have taken away some kind of credit for not paying my loans on time! Is anyone out their paying attention? This is unethical, not to mention illegal. Think about daily interest times thousands of customers. This is fraud and needs to be addressed by a good lawyer.
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (VA)

I was accepted into the PSLF program, had my loans transfered to FedLoan Servicing, and was eventually told that the last 10 years of payments I made while working for a qualified organization would n't count. I was told my repayment plan ( Extended ) was n't one of the ones on the list. That makes no sense! The program was described as being income contingent when I signed up for it but according to PSLF ( as administered by FedLoan ) the repayment plan did n't count. Someone needs to explain to me how the Extended plan is n't income contingent. The purpose of the plan is to ease the strain on borrowers ' finances ( versus Standard repayment ). At no time in the last 10 years of my repayment did anyone tell me not to proceed with my application or promote PSLF options that would have benefited me. I want my loans forgiven. I did my part and made 10 years of payments while working for a qualifying organization while under a repayment plan that was based on my income at the time of payment enrollment.
Consumer complaint received 2017-03-15
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA (OH)

XXXX private student loans were taken out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was ever made on the account, so it immediately went into default as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the loan agreements, the first payment is to be made 60 days from separation from the school. I dropped the classes the first week they started. Essentially at this point the loans are out of the statute of limitations. Because they sold the debt to a different company in XXXX they are deeming that to be a payment. This should no longer be on my credit profiles, and I have wrote numerous letters. The collection agencies took it off of my credit when I provided them with the validation of the contract, but the original credit is still reporting derogatory.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Albert Corporation (TX)

On XX/XX/XXXX my paycheck ( {$1000.00} ) was direct deposited into my Albert card. I spent approximately XXXX dollars and lost all access to sign into my account also lost the ability to use my card. I have since been told that my account is closed and that I have multiple accounts which I do not and that an email that is unknown to me is attached to my account. Also I was told that my phone number is not the one that is attached to my account. I have since been told that my account is not closed and that they were sending it to a specialist. I haven't gotten a response since and I still have no access to my account. I need my money for my bills and I have no idea what is going on. The only way to contact these people is by text or email and they don't respond by email at all and text takes forever I mean days or longer for someone to respond, if they respond at all.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (PA)

My husband died on XX/XX/2017. I called Navient and talked to a very nice young man who gave me a deferment until XX/XX/XXXX and said I should complete the Income Based Reduction forms to lower my payment. I did as he asked and my payment went up {$57.00} to {$650.00} and change. I called and talked to XXXX. She said I had no options. I said I have paid every payment for 10 years and all I was asking was for four months of no payments so I could figure out my finances. Her direct quote was " You need to prioritize your finances '' I asked for a supervisor and I waited forever and finally hung up. I contacted Navient by email and received forms back with condolences and that over the years I had used up my deferments and forbearances and if I tried to get an income sensitive there is no guarantee that my payment would go up even more. I bring home {$XXXX} every two weeks after taxes, insurance, union dues, etc. But my gross is XXXX which is what they are going by All I was asking for was four months. It is disgusting that they could n't see their way to do that. I did was I was asked to do by XXXX and was punished for compiling.
Consumer complaint received 2017-04-07
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC (IA)

I have been contacted by mail from XXXX representing National Collegiate Student Loan Trust on XX/XX/XXXX. They are asking for balances of {$26000.00}. This is the same company that tried to collect from us back in XX/XX/XXXX. These are loans obtained while attending school. Not student loans. Notice was mailed to them on XX/XX/XXXX to stop contacting us on a loan that was discharged in a bankruptcy in XX/XX/XXXX. According to a letter sent to us and a phone conversation from XXXX XXXX regarding these loans I nor my husband XXXX XXXX owe anything to NCSLT.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX I spent XXXX $ at crate barrel retail store as part of the promotion ( XXXX $ refurbishing store credit ) for new card bonus run by American Express. I kept checking with the representative many many many times after I made the qualified purchase and every time I was told I will get the credit after XXXX weeks. However on XX/XX/XXXX they told me my purchase is not eligible so they couldnt issue me credit. 

The specific reasons they provided are : XXXX. The store I purchased from is an outlet store which is not qualified.

2. My purchase was for business purchase However, I purchased at crate barrel store located in XXXX XXXX XXXX in XXXX which is not an Outlet store. Also I have attached the receipt for my purchase. It clearly shows what I purchased at which store and it is for personal use not business order. 

However, the Amex representative just refused to check my receipt. 

I am very disappointed by how Amex treated its customers. If you dont have enough budget you shouldnt run such promotion.
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (MD)

American Education Services refuses to push back pay date for student loan. I am currently in the process of consolidating loans from American Education Services to XXXX XXXX. I was initially told I was approved to change my due date so that it will be due after the consolidation payment was completed. It was also told this process would take 2 business days to complete. However, this did not occur and my account became delinquent. Moreover, my cosigner was notified 5 days after this occurred while I received this notification 10 days later. After speaking to another representative, I was told that I would have to make the request to change the due date before the new due date is posted. That means customers only have a week to submit a due date change before the next payment is posted in the account, which occurs 20 days out. AES was not willing to wave the late payment fee even though I was provided with the wrong information by their customer representative. Additionally, I never received any warning notice that my income based student loan payments were ending for my account. As a recent graduate who lives in a big city and a significant portion of income goes to rent, it is grossly inappropriate for AES to not send any notification that this offer is ending nor does it give graduates enough time to be on the plan ( i.e only lasts a year after graduation ).
Consumer complaint received 2023-02-20
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. (NY)

I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry ) - XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Inquiry ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Inquiry ) - XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX ( Inquiry ) - XX/XX/2021 XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-04-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

MISSING A {$130.00} OR MORE FROM MY BANK ACCOUNTS BEGINNING ON XXXX XXXX, 2016 XXXX XXXX XXXX PAYMENT REQUEST CAME IN FOR XXXX THE BANK TRANSFERRED {$40.00} FROM MY LINKED OVERDRAFT PROTECTION SAVINGS ACCOUNT AND ANOTHER {$20.00} FROM MY REGULAR ASSIGNED SAVINGS ACCOUNT BUT INSTEAD OF PAYING THE MERCHANT REQUEST AND CHARGING THE BANK {$5.00} TRANSFER FEE. 
THE BANK RETURNED THE MERCHANT ITEM AND CHARGED AN INSUFFICIENT FUNDS FEE OF {$35.00} WITH THE TRANSFERRED XXXX ( IMPROPER ACTIVITIES ) ADDITIONALLY ONCE XXXX MERCHANT REQUEST RETRY CAME IN ON XXXX XXXX, 2016 OF XXXX THE BANK USED FUNDS FROM MY CHECKING ACCOUNT TO PAY MERCHANT. 

SECOND PART : XX/XX/XXXX ; CONCERNING THE BANK BILL PAY DEPARTMENT. 
FEED THE CHILDREN {$37.00} and RELATIVE CHECK {$100.00} TOTAL DUE. {$130.00}. 
I ALREADY MADE ARRANGEMENTS WITH THE BANK BILL PAY DEPARTMENT. 
BECAUSE MY EMPLOYER HAD ERRONEOUSLY MISSED UP MY BI WEEKLY DIRECT DEPOSIT CHECK I WAS GOING TO MY EMPLOYER HEADQUARTERS TO GET A PAPER CHECK FOR MANUAL DEPOSIT INTO MY BANK ACCOUNT TO COVER THE NEGATIVE - {$130.00} BALANCE. BUT THE BANK IMPROPER CHARGED ME XXXX SEPARATE INSUFFICIENT FUNDS FEE OF {$35.00} FOR EACH BILL PAY ITEM. AS THIS IS NOT RELATED TO A RETURN MERCHANTS ITEMS FOR AN INSUFFICIENT FUNDS FEE CHARGES. 
ADDITIONALLY, THAT IS AN ILLEGAL BUSINESS BANKING PRACTICE. 
TO CHARGE A BANK FEE PER EACH ITEM OF {$35.00},, IF THE INSUFFICIENT FUNDS FEE WAS APPLICABLE, THE FEE OF ONLY {$35.00} WOULD HAVE COVERED BOTH ITEMS FOR THAT DAY TRANSACTIONS, IN CONCLUSION : I HAVE SAVED TEXT MESSAGES IN MY CELLPHONE TO THE BANK CUSTOMER SUPPORT UNIT CONCERNING THESE ISSUES MATTER IN THIS COMPLAINT THANK YOU.
Consumer complaint received 2016-07-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (FL)

The XXXX XXXX Hospital sent me to collections for {$750.00} for medical services that was not provided to me on XXXX XXXX, 2011. I was never seen in that hospital. Also, XXXX XXXX XXXX XXXX is sending me a bill for {$50.00} for services for XXXX XXXX. I never received any care or services in these mentioned facilities. I want them to correct this matter.
Consumer complaint received 2021-09-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, 1 LATE PAYMENT THAT IS NOT TRUE AND 2 ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: National Credit Adjusters, LLC (MI)

NCA National Credit Adjusters were listed on my credit report and also this was a pre paid debit card reloaded at any XX/XX/XXXX or XXXX XXXX  to reload cash amounts this is still listed on my credit even though I have documentation of this being closed XXXX
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (GA)

This is my second time submitting a complaint about student loan serviced Nelnet. The information that they responded to about my first complaint undeniably backs up my claims of the unlawful practices that this company displays and the 90-day late fees should be removed from my ALL XXXX of the credit bureaus. The information that they provided backed up my original complaint that they had contacted me via the incorrect contact method, the details that I will provide show that the email address that they used was one letter away from my correct emailing address. This was simple human error on their end. Although mistakes happen, my credit score is suffering immediately because of the mistake and this issue should be resolved expeditiously!
Consumer complaint received 2021-09-27
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/27 I recieved notification from XXXX that my credit report was pulled by Syncheony Bank. I did not provide authorization for them to access my credit report. I gave them my last 4 digits of my SSN but at no point anywhere did it mention that thwy would be accessing my credit report history. Please remove this inquiry from my credit report.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (MI)

Through Wise, formerly TransferWise.. On XX/XX/XXXX, completely after their 5 day process they put me personally through, giving them all my life info, ID, picture of ID, passport, passport photo with my face in photo, bank statements, proof of funds, my account was set and i initiated the transfer of {$14000.00} in USD to XXXX  pesos transfer to someone i've met in person and know. I sent the money to them on XX/XX/XXXX. It fully left my bank account. On XX/XX/XXXX i woke up to log in to my account which was blocked, de-activated and shut down without notice. Nothing to track my money, over 32 calls with these terrible customer service representatives who all had nothing to say or help, finally once said a refund was issued XX/XX/XXXX ... complete lie to get me off the phone,12-15 emails until tagging CC : XXXX and someone's name high up in the company i found online, they finally wrote in email said they are holding my money for 60 days.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed :
Consumer complaint received 2016-07-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to TransUnion on XXXX XXXX, 2016 and another follow up letter on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

Since falling victim to the XXXX, XXXX XXXX, Experian, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Trans union is reporting a bankruptcy on my report, I called the court, the court does not report this information, not now not ever, trans-union received this information from a 3-party reporting agency, I request it be DELETED, ASAP.
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (ID)

Discover company claims I agreed to a payment protection plan in 2003 but ca n't give me proof. They have cancelled the plan on my request and have offered a refund of the past 6 months chargesture. This plan represents a great deal of money charged me with no benefit to me at all. My husband pays the bills and did not realize this was a scam charge.
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

I have on three occasions sent a letter to Rushmore requesting that I should not be paying XXXX instead of the monthly XXXX which I had been paying. They said this is the escrow for my taxes. They claimed that my taxes have gone up. How did my tax go up by XXXX dollars? I also sent a letter to them requesting that I will pay my own taxes but they have not done so and their agents keep harassing me about my payments. Rushmore is a third rate company that is trying to get more money out of me and others. It is enough to look at internet about the comments on them. I never signed any paper with the other company ( XXXX  ) which is now being sued that I agree to a payment of XXXX. Hud representative was also involved in the whole affair.

I demand that they reply to my letter and that I will pay my own taxes.
Consumer complaint received 2017-01-13
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: YKS Acceptance, Inc. (IA)

We leased a vehicle from XXXX in XXXX Colorado with the option to buy. The car was a salvage vehicle. We could not license the car. Not only was it a salvage title the car was in XXXX major accidents and they did not inform us of any of this. When we asked for the car fax they said the computers were not working but assured us that it was a very good vehicle. The car had electrical problems, we drove it back to Iowa for a family emergency and we could not drive the vehicle back to Colorado. After going back in forth with XXXX we came to an agreement. We would get the vehicle fixed and the place of their choice!!!!! We called the repair shop and they would not work with this particular warranty company. They requested we pay the amount to fix the car and then be reimbursed from the warranty company. We were not in the financial position to do this at that time. XXXX agreed to pay us our money back and we would go our separate ways. Instead XXXX from XXXX sent XXXX men to my elderly mothers home to reposes the car after we had already made arrangements. They took the car we had all of our personal items in the vehicle and I have emailed XXXX numerous times asking for our things back with no response. This car dealership is dishonest, corrupt, and take advantage of their customers. They knowingly leased us with the option to buy a salvage vehicle that was in XXXX major accidents.
Consumer complaint received 2021-09-25
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.