davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX was once deleted on all three credit reports ( experian, XXXX & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I am a XXXX Veteran living out side the Untied States in XXXX XXXX I have paid for the Services of Experian Credit Report and noticed a few Items that are not mine I have called the Experian and was told to mail it in I asked for a fax number because they dont have regular mail here and I refuse to pay XXXX dollars for XXXX .I was told they could not provide me a fax number and those items would stay on my credit report. this Is not fair to me as a Veteran of this Country. I am a U.S Citzen but feel like a am a Undocumented Citzen.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I was given ( 2 ) checks to deposit into my checking account. {$20000.00} & {$15000.00}. These checks were written to me by my mother with the same last name. I deposited the {$20000.00} check on XX/XX/21 around XXXX XXXX. I was TOLD that it would be a 2 day hold. I then deposited the {$15000.00} check on Friday XX/XX/21. And again I was told a 2 day hold would be applied. 

HOWEVER, the {$15000.00} check cleared BEFORE the {$20000.00}!! The paying bank shows the {$20000.00} cleared on XX/XX/21, BUT they are still holding my money. I have made several phone calls, most unanswered during business hours and then when I finally get a person all they say is they can not do anything and I need to wait! This is unacceptable ESPECIALLY since the money was taken out of the paying bank the day AFTER I deposited it!! So, now my mothers account is not earning interest and I am not earning interest in my account. I am unable to access the funds for my closing of my house and all Chase bank keeps saying is wait. 

They said that the back office needed to do a rereview!! What was wrong with the first review? Why would they need to do ANY review since the paying bank already sent the money!?!?!? This is not the first time Chase Bank has displayed improper business practices. I have been in contact with their executive office in the past over their jeopardizing my life due to CONTINUOUSLY declining my debit card at gas stations. 

I would like to file a complaint about JP Morgan Chase conducting themselves in an unprofessional manner and having poor business practices and continued prejudice towards me and my accounts and my ability to access MY MONEY!
Consumer complaint received 2020-04-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (CA)

XXXX XXXX I was unable to complete the full course due to health issues I was pregnant at the time and I had to take along medical leave so I was dropped I was in the hospital and can provide medical paper upon request. Company name : Nelnet loan services inc I. The amount of {$3800.00}
Consumer complaint received 2016-03-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is a vehicle loan with a company called Ally Financial which is in default and that i am not familiar with. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account holder so that i can verify this debt.
Consumer complaint received 2015-10-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Delbert Services (TX)

I received a voice mail from " investigator '' threatening me with sending sheriff to arrest and process me. He said he was sending sheriff to my job and/or home. I called number provided and agent said that they had called, sent emails and sent letters. I have not received them. I only received call today, XXXX XX/XX/2015. I live in XXXX and they said that there was n't anything I could do to stop XXXX from arresting me. I asked for date and place so that I could appear and face judge and he said no, I have to wait to be processed by XXXX 's office. They said they submitted paperwork in XXXX XXXX XXXX XXXX. They gave me docket # XXXX. Investigator called from XXXX and instructed me to call XXXX. I called a XXXX time and asked for address, they said XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Illinois.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

Upon XXXX and starting my job, I contacted Navient to begin repayment of my loans. The representative stated that I could not begin repayment until the grace period was over ( an additional 5-6 months of interest accrueing ). I asked if the representative was sure of this, and she reiterated that I would not be able to make payments on the loans yet and that these terms were agreed upon in the loan contract.
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I got a call in XX/XX/XXXX from Procollect in XXXX, tx stating I had a charge of {$490.00} in collections from XXXX XXXX for a move out fees. I gave XXXX a forwarding address and my number to be notified of any charges. They never sent me anything in the mail or called so they sent it to collections because it never got paid. Procollect said I could not dispute it. They had already dropped my credit score 60 points the same day they notified me of the charge. I asked to speak to a manager or supervisor and procollect told me no. And they would n't send me proof of my bill unless I sent a written request.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

experian credit report has a list of accounts that are not mine nor have i ever had an account with. Also, when i print out the report the cover page doesnt have my name on it. It displays someone elses name. There is also a judgment out in my name and when i contact the company they say that they cant find me in their system and they searched their database using my name and SSN.
Consumer complaint received 2016-06-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MN)

My sister and I opened loans at the same time. XXXX XXXX ( now serviced by Navient ) messed these up in their system. My sister has a loan that showed up in my account and on my credit report, but does not have my name on it. I have a loan that showed up on her account, but never showed up in mine. It was paid by her for years before Navient caught and fixed this error, and this loan shows up on her credit report. This loan does not have her name on it, but Navient denies that anything has changed on our accounts, even though we are fully aware of the changes that have happened within our individual logins. My loans are for XXXX, my sister 's loans are for XXXX. Navient has so far denied any errors or mistakes, and this is not the first time we have needed to go to them to try and sort out our accounts. We now have no confidence in what they are telling us and we need help sorting this out. The loan in question was paid by the wrong person forever, due to Navient 's error. They have denied anything is wrong. I have attached my bank payments over the last year showing that I have never paid the loan. Payments stopped in XXXX because this loan disappeared from my sister 's account, but there was no past due notice until XXXX when it showed up in my account. Navient 's system only showed the loan 17 days past due even though my account says XXXX. While I am the cosigner and student borrower on the loan, Navient has refused to give me any information on past payments of the loan, even though they have confirmed my name is on the loan. I am also attaching XXXX of my credit reports showing loan ending in XXXX with an original {$10000.00} balance which is not mine, yet is showing on my credit report.
Consumer complaint received 2017-04-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

I was having a hard time paying my student loans. I was trying to make payments as I could each month but was not able to pay the full amount some months. I missed a few payments due to financial hardships. when I attempted to call Navient to come up with a financial plan, they told me the amount i was supposed to be paying was the fixed rate and would not lower my monthly payments, even though i could not afford to pay that rate. Navient then cancelled my co-signers credit card which also cancelled two other family members credit cards. This negatively affected both my cosigners credit scores and reports, as well as my own. I then got approved for a payment plan from navient, however when navient reviewed my income, they also included my cosigner and their spouses incomes when figuring a monthly payment amount. My cosigners are not assisting in paying this loan, they are " cosigners '' only obligated to pay if i can not and default on the loan. Navient has done nothing to help me attempt to get back on track with payments that i can actually afford. My income is too low to pay the amount that Navient has specified. After Navient enrolled me in this " repayment program '' they did adjust the payment slighty, but still not affordable to me, due to the inclusion of my cosigner and spouses incomes. Navient also told me that this new amount would only be temporary and the rate would go back to the " fixed amount '' in a few months. I have recently changed jobs with a lower income, and navient told me i was not eligible for any payment plans based on my new income.
Consumer complaint received 2017-02-11
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 was approved for the XXXX $ repayment based on income. Both my student loan companies are charging more interest than I believe should be charged. I am unemployed at this time. Navient is not looking to help and I had to go through the actually student financial government website to find the help that I need. Even with XXXX I had to do the same tjhing. I wish instead of putting people further behind when it comes to repayment they would help people.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HOPE BANCORP, INC. (CA)

I received a notice of a delinquent secured property tax bill XXXX. This was the very first time receiving a delinquent notice after many years of paying property taxes on time. When the initial property tax bill was mailed to me in XX/XX/XXXX, I mailed in : Installment # 1 in the amount of {$35000.00} on XX/XX/XXXX ( check # XXXX ) Installment # 2 in the amount of {$35000.00} on XX/XX/XXXX ( check # XXXX ) When I received the delinquent notice, I looked online at ttc.lacounty and noticed that I was delinquent on installment # XXXX because the amount due was now {$39000.00} ( including the late fee because it was never received ). It also showed that installment # 2 was never received and recorded by the tax collector.

Below I have attached the two copies of the cancelled checks, printed from my checking account, and both have been cleared on my bank statements. The 1st installment check, sent in on XX/XX/XXXX, was forged via a fraudulent endorsement, and deposited into a bank account. The bank teller that handled the deposit failed to review the name on the check that I had written and compare it to the fraudulent person 's bank account that he/she was depositing it into and also failed to review the endorsement signature on the back of the check, which was merely scribbles. The name on the check was " XXXX XXXX XXXX Collector, '' which can not be easily mistaken for an individual or company 's name. 

When the tax collector received the 2nd installment check, it was applied to the first installment, and late fees were added for both installments.

Further, Bank of Hope has not agreed to take responsibility on this case and has been stringing us along for over six months.

Attached below you will find all of the necessary documentation.
Consumer complaint received 2017-01-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

A company calling themselves Pioneer Credit calls me with a recorded message every day for weeks ( XXXX ) asking me to call them back at XXXX regarding a debt. Since I do not owe anyone, I do not return the call. However, I would like them to discontinue calling me.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

I have been trying to get my payments lowered to where I can afford them. Navient is telling me I am basically out of options and that I need to consolidate my loans with direct loans to get other payment options. I have no problem paying on my loan, but I can not give them the amount they want at this time. They are not working with me.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2020 & XX/XX/2020 my 2 Chase credit cards number 's XXXX & XXXX were hacked ( through identity theft ) of {$19000.00} to a XXXX XXXX? with a foreign transaction fee of XXXX ( XXXX ). 
And on card XXXX a charge of {$21000.00} to the same XXXX XXXX  and a foreign transaction fee of {$650.00}, these were and are preposterous theft charges not of my doing! After 2 months of fraud investagation they ( the Chase fraud department ) decided that I had gotten some sort of a benefit which they have refused to return my emails, telephone calls and faxes with the proof that I have asked for and have the right too. Isn't chase required to provide proof of my guilt before making me pay for something that I had nothing to do with?! During this time it seems as if they ( Chase XXXX feel that if they ignore the problem ( that I did not cause ) that I will just pay what I don't owe and go away. Since I am not in the wrong I just want the two bills cancelled because I will not go away until that happens. I also need from Chase Bank copies of my checking and savings accounts ckng # XXXX and sav # XXXX for the months of XXXX, XXXX, and XX/XX/2020 XXXX these accounts are closed after they to where cleaned out! ) for 2 police departments for the identity theft investigation. I have asked for the latter but to no avail! 
I understand if Chase is too busy to answer their phones in over 2 hours or emails but I need to help the authorities catch these people and they need the information from Chase!
Consumer complaint received 2022-12-14
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Repeatedly a debt collector started calling since XX/XX/2019, regarding a debt with XXXX for {$470.00} by a company called I C Systems. A company Ive never heard of have been harassing me to pay a debt.
Consumer complaint received 2017-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

In XXXX I took a loan for {$8000.00} from XXXX XXXX to cover the remainder of my college tuition that my federal aid and family contribution did not cover. At some point the servicer changed to Navient. Over the course of time I was unemployed in XXXX once and could not afford to make payments on my account. I recall calling customer service and asking for a forbearance and I was told that it was not a federal loan and therefore I did not qualify. That I could pay {$50.00} to apply for a partial forbearance and I could just make payments towards the interest or something. I was worried about all of this impacting my credit score so I agreed to do whatever was necessary to keep the account in good standing. Over the years the loan literally doubled. The balance is now over {$16000.00} as of XXXX and I have been making a payment of {$200.00} for as long as I can remember each month. I called customer service some time again to ask why my loan had gone up so much and the answer was unclear and confusing. At this point I calculated what I would be paying for the {$8000.00} I borrowed as a college student by the estimated loan payoff ( XXXX ) and it 's close to {$75000.00}. The customer service reps have not been helpful over the years explaining my concerns or answering questions I have. They have not offered much help towards making my payment more affordable or how to get a handle of paying off this loan affordably and in a reasonable time frame. Please offer any suggestions and or help you can. I feel quite helpless and frustrated and regret ever taking out a loan with this company.
Consumer complaint received 2017-01-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

I currently have XXXX private student loans being processed by Navient totaling XXXX. 
I have been on XXXX as of XX/XX/XXXX. I receive a total of XXXX a month in XXXX insurance. I currently pay private Medicare Advantage insurance of XXXX a month. I have attempted four times to seek financial forgiveness of my loans under the Total and Permanent Disability Act with Navient. Navient has forgiven XXXX of my loans for which I have attached documentation of along with my original diagnosis from my XXXX. 

Navient 's claim for not honoring the Total and Permanent Disability Act is that the current existing loans are not eligible for the TPD program without stating any reason why this is the case of their claim nor providing requested documentation showing proof of their claim. 
It is my understanding after talking with several persons at Navient that it is up to their " private discretion '' as to honoring forgiveness of my loans under the TPD act. 

I am reaching out for any assistance as to the veracity of their claim under my medical and financial circumstances. 

Thank you for your attention to this matter. 
XXXX p. XXXX e. XXXX
Consumer complaint received 2020-04-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UHG, LLC (CA)

I was notified by a collection account United Holding Group by a they made to my wife I requested that all communication be made via U.S mail and that any phone called would be recorded sense they threaten sue me and put lien on my home, i ask them to forward any paperwork to that showed i owed them money or had a debt with them, they could not show me any thing and didn't supply me with the paperwork i requested. now after almost sense months later they have team up with another collection company never giving copies of the debt they are trying to collect on and threatening legal action with a company called persolve legal group with have a tendency to file lots a law suits to try get a judgement against you.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I paid on a {$17000.00} loan for 11 years, and when I got divorced and was not get my mail my account was put into a program. I paid {$200.00} a month for a year then they add {$4500.00} to the balance to reinstate the loan. I Had to pay child support so I had go into forbearance for 4-5 years before I was offer income based repayment which I have been in for two years now. My loan is now over {$50000.00} which is 3x my original loan which I had paid on for 11 years.
Consumer complaint received 2015-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (CA)

This debt is on my credit report and I would like to dispute this matter. The account is Jefferson Capital SY - XXXX XXXX for the amount {$2600.00}. Please help me fix this. My email is XXXXXXXXXXXX. Phone number XXXX. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TN)

My loan amount has increased significantly and it shows several loans on my credit like I have taken out XXXX to XXXX loans when I truly have n't. And they also have not tried to work with me as far as some type of income based repayment plan but keep putting me in forbearance and charging me ridiculous interest rates.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

After my deferment I called navient to see if there was anything that could be done with my incredibly high monthly payment and they insisted that they could n't help me. I 'm a single mom and my monthly payment is more than I make in a month.