davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

My original lender was XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? All of my loans have been in deferment and in XX/XX/XXXX-XX/XX/XXXX they claimed they never received my documents to defer my loans but I agreed to it and now I have late payments which is hurting my credit. This is very misleading and shady. Every time you call the representatives are always giving you wrong information.
Consumer complaint received 2022-12-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NJ)

I have fallen a couple of weeks behind in my loan payment. ( less than 30 days and less than a full payment since my last payment was a little over ) I have been receiving calls at work. I asked not to be called there but was called again. Even after I ask not to call me at the work number they continue to argue that it wo n't take long and they say that they can not stop calling me unless I take the time to verify all of my addresses and contact numbers and e-mail. I have not moved or changed my phone numbers at home or work for 15 years.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XXXX, I reached out to XXXX and requested : I request a goodwill removal of the negative ratings on this account due to XXXX. I enrolled in the XXXX XXXX during that time so the account should not have reported late. Please help me as the XXXX late payments are causing a negative affect. 
XXXX  did not respond and the credit bureaus are still reporting the inaccurate information even after submitting proof that the information was inaccurate.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (GA)

XXXX has caused me adverse action by telling Wells Fargo Bank and XXXX XXXX bank that I do not have a credit score. XXXX has caused me financial hard through adverse action by reporting inaccurately to these companies. As a result I have been damaged in the amount of {$100000.00} in the form a Wells Fargo loan that I was denied for and a XXXX XXXX worth {$60000.00} that I was denied. This was all because XXXX gave the companies inaccurate and unverifiable information.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I contacted Navient multiple times asking to defer my my loans. I was told it would be {$50.00} for each loan. And I had XXXX. Then I asked would they take a lesser monthly payment. They refused to take anything less then my bill asked for and it was nothing else that they could do at the time. All XXXX of the people I spoke to were rude and not trying to hear anything I was trying to say.
Consumer complaint received 2023-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (PA)

I am writing to file a complaint against PROCELLECT, INC ( hereinafter referred to as " the company '' ) for their attempts to collect a debt that I do not owe, as well as for their failure to remove the collection record from my credit report and their recent addition of a new record to another credit bureau under my name. 

In XXXX XXXX, I received a debt collection notice from PROCELLECT, INC, claiming that I owed an outstanding debt of {$720.00}. Upon receiving this notice, I immediately contacted the company to dispute the debt, as I had no knowledge of it and believed it to be an error. I provided them with all necessary documentation to prove that the debt was not mine. Following our conversation, a representative of the company verbally agreed to remove the collection record from my credit report. 

However, despite their assurance, the company failed to remove the collection record as promised. Furthermore, they neglected to respond to my previous claim and have now added a new collection record to another credit bureau under my name. These actions have negatively impacted my credit score and have caused me undue stress and financial harm. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against PROCELLECT, INC. I am seeking the following remedies : * Immediate removal of all incorrect collection records from my credit report across all credit bureaus.

* Written confirmation from PROCELLECT, INC that the debt in question is not mine and that all collection attempts have ceased. 
* An investigation into the company 's practices to ensure that similar incidents do not occur with other consumers in the future. 

Please find attached copies of the debt collection notice, documentation provided to PROCELLECT, INC, and any correspondence I have had with the company, as evidence to support my complaint. I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. 

Sincerely, XXXX
Consumer complaint received 2023-04-16
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)

In accordance with fair card it reporting act XXXX  those account has violated my right XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

On XX/XX/2022 & XX/XX/2022 I reported to Discover that I had made payments to them in previous months and they did not properly credit credit my account. Later on they finally gave me a temporary credit and told me to submit documentation, I did and they told me that my account was closed, and I would receive a letter in the mail. It is XXXX and I never received anything. This was for Dispute # XXXX XXXX XXXX XXXXer 1026.13 ( b ) ( 2 ) ( c ) Billing error resolution : 2. Correction without investigation. A creditor may correct a billing error in the manner and amount asserted by the consumer without the investigation or the determination normally required. The creditor must comply, however, with all other applicable provisions. If a creditor follows this procedure, no presumption is created that a billing error occurred.

3. Relationship with 1026.12. The consumer 's rights under the billing error provisions in 1026.13 are independent of the provisions set forth in 1026.12 ( b ) and ( c ). ( See comments 12 ( b ) -4, 12 ( b ) ( 3 ) -3, and 12 ( c ) -1. ) ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.

I have not received anything yet, and they have reported adverse action on my credit report.
Consumer complaint received 2016-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MA)

I received a notice from Navient saying they were changing the terms of my student loan. They added an extra 10 years to the payment plan. This will add thousands of dollars in additional interest to my loan. When I took the loan out from XXXX XXXX in XX/XX/XXXX it was for 20 years and I been paying this off regularly. The loan was to be paid off XX/XX/XXXX. Now Navient wants to move the maturity out another 10 years! I called them on XXXX XXXX and spoke to XXXX ( CSR ), XXXX ( Supervisor ) and XXXX ( Senior Account Supervisor ). XXXX admitted that Navient added the extra 10 years and said he would refer my complaint to a Monetary Report Board for resolution. I have not received a response. I want Navient to honor the original loan terms that I agreed to with XXXX XXXX. Please help.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Dear CFPB : When I went to check my Credit Report and FICO Score I noticed that I had over 13 late payments for my mortgage. I have an automatic payment plan with my bank that pays this mortgage payment on time every month for the past 10 or so years.
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I sent a RESPA Letter to   XXXX   XXXX   XXXX   XXXX   and when I received their response it was incomplete but showed that when then took over   XXXX   XXXX   XXXX   Account 's ...   XXXX   XXXX   XXXX   XXXX    was receiving payments but NOT posting them timely to my mortgage account. In addition,   XXXX   XXXX   XXXX   XXXX   withdrew every penny I had in escrow to cover fees that they said I occurred for the 'late payments '.
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I asked them to correct this information over a year ago and refund the escrow monies. I have not heard a word.
Consumer complaint received 2023-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WV)

This is concerning the recent ruling on Wells Fargo Loan Modification XXXX ( XXXX ) ; I didn't receive any notification involving a lawsuit regarding loan modification approvals that weren't processed instead foreclosure steps were taking place. In XX/XX/XXXX, I spoke with home preservationist XXXX XXXX stated after provide all the information over the phone stated that I would qualify for the loan modification. She stated she was going to send a package for me to complete with supporting documentation. While waiting for the package to me sent I received Notice of Default and Intent of Foreclosure from American Servicing Company via certified ltr notarized. After receiving the certified letter, I received a package in the mail that had documents to complete to start the modification process. On XX/XX/XXXX, received letter in the mail stating my documents have been received and were being reviewed. In XX/XX/XXXX, received letter of assignment of home preservationist specialist to assist me in my process. Then mid XX/XX/XXXX, ASC affiliate of Wells Fargo Bank had sent certified letter concerning acceleration and foreclosure right to cure. After receiving that notification called to check the status of my modification customer service of ASC stating that no notes concerning modification. Since ASC aka Wells Fargo wouldn't acknowledge the communication about the loan modification I proceed with filing a complaint with West Virginia Attorney General Office against Wells Fargo to prevent the foreclosure. An individual work with my state attorney generals office Consumer Protection & Antitrust Division worked with me to stop Wells Fargo from foreclosing. Wells Fargo. I think that I should have been notified about the class action lawsuit with Wells Fargo because they made the error and my state attorney generals office requested that they correct the foreclosure. Wells Fargo process the correction as a modification but only to there advantage didn't assist me with my hardship only reinstated my loan to satisfy the attorney generals office. After the investigation was completed Wells Fargo sold my mortgage to XXXX XXXX XXXX.
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I am sending this complaint against Navient and Navient Solutions Inc. Originally, my student loans were with XXXX XXXX when I was enrolled in school. They were later sold to Navient. After Navient took control of my loans I was never notified by phone or mail. I received a copy of each one of my credit reports during the process of pre-qualifying for a home. At that time they were already reporting late payments to all of my credit reports. I immediately contacted Navient in hopes of securing a payment arrangement that would bring the accounts current. I was presented with a large monthly payment of {$1100.00} and I asked for a reduced payment plan based on my income ; which is what I was receiving for my Federal Student Loans with the Department of Education. Navient agreed and bought the payments down to $ XXXX monthly for all XXXX loans. Upon payment received by Navient, they were still reporting to all XXXX credit bureaus that I was delinquent. I 've disputed these late payments and accounts with both Navient and Navient Solutions several times over the past 3 years. I have not been successful. As a result my mother is not being garnished of her XXXX XXXX Check because she was my co-signer. When asked, Navient or Navient Solutions have not provided proof of loan amount due. Navient and Navient Solutions are reporting to my credit reports that accounts are closed with XXXX balances with late payments.
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. (CT)

I was over charged for paying late when I did not pay kate. I also asked to lower my monthly bill as if was too high and I can not afford to live and pay my bills such as rent gas car. I was told That I could not Lower the monthly payment and could only change to interest only which means I will means I will never have my student loan paid off and can. Of afford to live
Consumer complaint received 2023-02-09
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. (AR)

I have a loan with XXXX XXXX, XXXXXXXX XXXX and XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}
Consumer complaint received 2016-03-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

I received a phone call this morning from naviant attempting to collect a payment on my student loans. They have been in default do to financial hardship this year which I have been in touch with them all along and they know each situation. They told me I needed to make a payment and they needed it now. I said I do n't have the money by I just lost my job they said you need to get the money whether it be a bank a credit card or XXXX paying it for me I said I have nothing and no one who can pay it. They told me to make phone calls and to put them on hold. I said there is no one I can call they became threatening and told me they were going to take action with out telling me what action, and that they needed me to get them their money. I said I could n't have it for them right now they said they were n't going to wait. This conversation took over a half hour in the morning after the day I lost my job. I am a good person but feel like they are making me out to be a criminal. I have no problem paying when I have the money but they hound me and make accusations and tell me they are going to take action I honestly scared. They asked me about my tax return witch I do n't want to give info on my taxes to anyone. I feel violated and harassed with the calls I get and the information they wanted to give them.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Chase has placed a hold on a paycheck that I deposited through their mobile app for 14 days. They notified me via e-mail hours after check was deposited then accepted, that I wont have access to the check till 14 days hold is over. I can see the amount under transactions on hold in the mobile app. 

This is unacceptable as I need the funds ASAP, I usually get them through a direct deposit with my credit union. But I got a physical check this time and tried depositing it with Chase for the first time and got into this mess I have contacted Chase a couple of times and walked into a branch, but the emergency nature of needing the funds and not being able to wait for 14 days has this as my only option Date XXXX Amount {$2100.00}
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I graduated back in XX/XX/XXXX and have been through a number of financial ups and downs. Navient or XXXX XXXX never gave me the options of an income driven based repayment plan. I bought a business back in XX/XX/XXXX and try to complete the minimum payments when I can. My loan has only gone up since I graduated and they only let me defer my payments. My credit score has been affected greatly by this because at points it becomes a burden to pay for something that the bill does not go down on and so instead of going down it always reports the bill going up. I rather invest into my business then throw money at a loan that never goes down. They have me at XXXX different loans at 6.8 % interest on each. When these loans were done I was unaware of the affect that this might have on my future. This loan is the only thing that has held me back from buying a house or car. I have written letters that stated I did not think the loan was fair and that unearned interest was being added on and they assured me everything was being handle correctly. They didnt give me much information.
Consumer complaint received 2023-02-26
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy in confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.