davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WV)

I received student loans for the purposes of attending college between approximately XX/XX/XXXX and XX/XX/XXXX intermittently. During this time, and the time since, the option of an income based repayment plan was never made apparent to me : my options were high monthly payments, forbearance, or deferment. As a result, I put my loans on financial hardship forbearances until they were exhausted. Now I can go through the cumbersome income bases plan, but the system seems designed to confuse the borrower. I 'm dealing with multiple loans and different call centers and collection agencies. Navient should be labeled as a criminal organization.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KY)

We made an agreement for a new more affordable repayment in the amount of {$360.00} to which I have been paying, actually overpaying by sending them an even {$360.00}. Navient has thrown me in deliquent status claiming payment is $ XXXX and continues to tell me that our agreement was a 15 month program even though i have paperwork stating that i need to make 321 payments at this rate ... 321 monthly payments that somehow expire in 15 months. They have not been very cooperative and it is the definition of crony capitalism, they have all the protections of the government but none of the regulations that federal loans have. I just want to pay the amount of {$360.00} that we agreed on and for them to quit calling me and fix my credit they demolished by going back on our agreement but they dont see it that way. I simply can not afford the $ XXXX a month that they raised my monthly payment to and i shouldnt have to since im holding up my end of the deal. I have continued to pay them the {$360.00} amount we agreed on, plus an extra {$4.00} on top of that and im in or close to delinquency status because I refuse to give in and let them go back on our contract and bully me into paying more than I can afford when I have made every payment on time for the previously the agreed {$360.00} amount.
Consumer complaint received 2015-08-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KS)

My interest rate on one of my loans is 10.75 %, I pay {$160.00} a month on this loan alone and not a dime of it goes toward my principle amount! I 've been paying over {$600.00} a month for years just on my private loans, and at one point I was paying {$970.00} a month. I did not get help from any adult family members to go to college. I had to pay for it myself, I knew nothing about loans and interest rates. My student financial adviser filled most forms out for me. I trusted my college which was a huge mistake, they were private and for profit only. I am now an adult an feel completely taken advantage of. I am almost XXXX and ca n't even start a savings account. A full paycheck is taken monthly by Navient, which was XXXX XXXX and changed without my knowledge until I was some how delinquent and owed a company I had never heard of money. I can not create a life worth living with this unreasonable debt. I make under XXXX a year, I have bills. I ca n't even afford a car because of my student loan debt. Please someone help me!!!
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (FL)

Pioneer Collection Recovery contacted me about a neighbor of mine, XXXX XXXX? Left a voicemail and asked me tor return a call and gave me a reference number. Clearly by the name of their business I knew they were trying to get me to somehow give contact information for XXXX or something of that nature. Called them back at XXXX with reference number XXXX. Told them to not contact me again, and shared a few choice words about what I think they 're doing. I am not sure if this meets the guidelines for unethical practices, but calling neighbors is just low.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I have been trying to payoff my mortgage with ditech and was given a payoff amount that was good till XXXX. Mailed the payment in and it was drawn from my bank on the XXXX. Recieved a call saying payment was not received till the XXXX and that I owed another XXXX. I have called 12 times and have been given different answers from different representatives. I have spoken with a few supervisors that have told me they did receive the payment on the XXXX and would take care of it. They all say that they will send an email to the payoff dept. and that I am not allowed to talk to payoff dept. Recently received a letter stating that payoff was not enough and that I owed XXXX that needs to be payed by XXXX. Sent certified check XXXX next day with confirmation and they do n't have record of it. Received a new statement saying I owe XXXX so I called again. Same answers. They will send an email to payoff dept. I have payed what they told me by the dates required and I want this resolved with excess money returned. They have created a deceptive system because you ca n't get the correct answer from the dept. that should be answering your question.
Consumer complaint received 2015-04-03
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: DriveTime (NC)

On XXXX XXXX i purchased a leased suv from XXXX. After going over contract discovered down payment amounts i never agreed to within XXXX mins i asked for refund but was refused. After looking at numerous vehicles from XXXX different stores i finally decided on a XXXX. By XXXX the following day i was broke down on the roadside after working a XXXX hr shift.Called to get help and was told i had to pay to get car towed. After confronting manager i asked gor refind again still within my XXXX hrs and the store manager refused .After i threatened to call news station i was put into XXXX. And you guessed it XXXX weeks later this car breaks down i need help i was even still forced to make a car payment after only having the car XXXX weeks
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

We refinanced our mortgage in XXXX of 2016, utilizing Ditech 's option of having payments automatically deducted on our checking account bi-weekly. In addition, we added an additional XXXX dollars over our minimum monthly payment. Ditech pulls out XXXX every two weeks. We have had nothing but trouble with ditech. We receive late notices every other month, along with late payment fees of XXXX for each month they determine our loan is " late ''. We call ditech each time to express our frustration, and they refund the late fee, but the problem still continues. Despite requesting ditech pay for our credit reports and send them to our house, this has not happened, as ditech simply tells us they can see our credit report and there are no late fees listed on it. Today, XXXX, a customer service supervisor acknowledged the issue is on ditech 's end, as she can clearly see every two weeks the money is pulled from our checking account. She further stated that some accounts have issues on the bi-monthly payment system. This is not our fault as a consumer. They offer bi-monthly payments as a service we take advantage of. There is a flaw in their billing system for bi-monthly payments, yet they continue to offer this service. XXXX informed us that while she wishes we would not have this problem anymore, it will probably continue to occur. We have NEVER been late on this loan and this is extremely frustrating. We desire a mortage company that can accommodate bi-monthly payments, and we were signed up to have this service, however ditech is unable to maintain this service on their end without charging us late fees, even though money is taken out every two weeks from out checking account.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (TX)

I XXXX XXXX, is submitting this complaint myself and there is no third parties involved I have been a victim of identity theft pursuant to 15 USC 1681c-2 the consumer reporting agencies must block and remove accounts/inquiries resulting from identity theft within 4 days the consumer reporting agencies failed to do so. My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained posessescision of goods, services, or money as a result of one or more of the transacations that I am seeking to block. The consumer reporting agencies are violating my consumer rights pursuant to 15 USC 1681 ( a ) ( 4 ) I the consumer has the right to privacy. The consumer reporting agencies are infringing upon my privacy. Pursuant to 15 USC 1681 ( 2 ) ( A ) ( I ) reports containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from a consumers report. Pursuant to 15 USC 1681 ( 2 ) ( A ) ( B ) any authorization or approvals of specific extensions of credit is also EXCLUDED from a consumer report. The Consumer Reporting Agencies violated several laws under the FCRA. I am demanding that they remove / block the requested accounts and they compensate me for their violations or else I will be seeking legal action. Attached will be the Affidavit I sent to them as-well as my social, id, and invoice proving that I am who I say I am. I also want to remind the consumer reporting agencies that pursuant to 15 USC 1681a ( e ) the term investigate consumer report means to interview friends, neighbors, or associates of the consumer and a consumer reporting agency can not have any factual information on a consumers report. Yet their claiming they investigated my report knowing damn well they never interviewed any friends of neighbors of mine. I XXXX XXXX, formerly known as XXXX XXXX is fed up and will be seeking legal action please view the attached documents below. I am submitting this complaint myself and there is no third party involved. If the Consumer Reporting Agencies ( Equifax, XXXX, XXXX ) think about rejecting this request I am demanding that they sign an affidavit under penalty perjury!
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: WELLS FARGO & COMPANY (WA)

There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX.  I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast XXXX hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX XXXX right now at the same time and I wan na take this in legal action.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NY)

In accordance with the Fair Credit Reporting Act, the Apple XXXX has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

Filed a complaint about the tactics used with XXXX and XXXX XXXX XXXX XXXX ( XXXX ) and Transworld Systems Inc ( TSI ). XXXX issued paperwork regarding a debt collection to the wrong address with no attempt to certify reciept. XXXX also did not address their connection to TSI. Paperwork from XXXX shows debt transferred to TSI. Paperwork dated XX/XX/XXXX " your debt was certified to the Treasury Offset Program and transferred to our third party collection agency TSI. '' also " If you have any questions or concerns about the account, please contact TSI at XXXX. When contacting TSI, they stated " they do not own the account and can not provide you a statement or history on the account, please direct your questions to XXXX ''. XXXX mailed a letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX ; this address was not valid as I had been in XXXX for a year. No attempt to call or contact was made past this letter. When I was finally contacted via telephone on XX/XX/XXXX, they refused to attempt a repayment and required me to go through TSI.  XXXX/TSI violated 15 USC 1692J for furnishing deceptive forms as to who held the debt/account. 

Debt has been payed completely through TSI. When asked for a finalized statement, TSI, again, could not provide. When contacting XXXX, they could also not provide. The representative did say the account had been closed since the default date.
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: CORELOGIC INC (WA)

There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX XXXX right now at the same time and I wan na take this in legal action.
Consumer complaint received 2016-09-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Navient directly benefited and encouraged XXXX XXXX XXXX to defraud its students using various schemes including pulling students out of class, withholding books and materials in order for students to be forced into higher cost private student loans, this includes the methods detailed in the lawsuit filed by the Consumer Financial Protection Bureau ( attached to complaint ). XXXX XXXX XXXX is now closed and Navient is refusing to discharge the debt under fraud simply because they are a private lender. I believe that Navient is a conspirator in the fraud and should be subject to sanctions and forced to abide by the same laws that protect students who borrowed with federal loans and allow a defense from payment claim.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2016-03-28
Product: Virtual currency — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hi, on XXXX XXXX, I paid XXXX $ in XXXX to my provider. The day XXXX XXXX, the provider sent me back the money because we didnt coordinate the transaction. 
The TX XXXX when I paid to my provider XXXX : XXXX The TX when the provider XXXX me back the money : XXXX XXXX Then, I saw lot of confirmations in the transactions back, but in my wallet my money does not appeared. I wrote an email to coinbase, explanning the situation, I wrote the TX when I paid and TX when provider sent me back the money. 
Coinbase answered me this : " XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX : Hi XXXX XXXX Sorry but we do not support returning funds to a sending output : https : XXXX Sorry for the trouble and in the future please do not have funds sent back to the sending output, as you will not be able to recover any funds send to you that way. Please provide a payment address listed here : https : //coinbase.com/addresses You can navigate there by going to 'advance ' in the drop down found in the upper right of the page. 
Let us know if you have any other questions, and thanks for using XXXX. '' Following the link I read this new rule : https : XXXX " Returning XXXX to a Coinbase account successfully XXXX XXXX, 2016 Coinbase does not support bitcoin being returned to the output address. It 's important to understand how Coinbase handles transactions to ensure the XXXX reaches the account. Due to how Coinbase handles outgoing transactions, the funds will not reach the account if they are sent back to the output address that the funds originated from. 

It 's important to provide a sender with an address from the list of receiving addresses. All XXXX receiving addresses for a Coinbase account can be found on the following link : https : //www.coinbase.com/addresses To learn more on Coinbase transactions please refer to the following article : Why ca n't I see my transaction in the blockchain? '' I Answered the email from coinbase : " I want my mony back. I read your rules, and in next time I will talk with my providers that return my payment to my personal address. But this time I want my money back because is mine. If was a mistake of my provider, you know through the TX that money is not yours. Then, most honest and responsible from Coinbase, is to return the money to the client, in this case me. 
I do not think for about XXXX XXXX you are willing to lose a client in Coinbase. " I wish to make a complaint because I feel scammed, Coinbase knows that the money income to your account is that other people 's money, is mine, and they do not want to return to the original client money. 
I want to contribute to the legality of things, what is right, what is honest and what is responsible. 




https : XXXX
Consumer complaint received 2016-09-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc. (NJ)

The charge was for venous collections {$15.00} ( XX/XX/2015 ) for which my health insurance denied as violating contract with them. XXXX XXXX XXXX ( XXXX ) reduced it to {$5.00}. Neither charge was approved by XXXX. I contacted XXXX the date of the bill and XXXX contacted XXXX and they stated they would remove charge. 1 year later I received a derogatory remark on my credit report by XXXX XXXX on my credit report. There was not attempt to contact me or write me concerning this charge. They claim I owe {$10.00} now. They damaged my credit without giving me notice or the ability to contest the charge.