davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

XX/XX/XXXX I took out a XXXX student loan in the amount of {$17000.00} to finish attending my XXXX at XXXX XXXX. I had trouble paying it back initially when I finished school, but came into some money XX/XX/XXXX and paid off the loan in full at a quoted amount from a XXXX representative of {$42000.00} to close the account. That was processed and completed XX/XX/XXXX. Just XX/XX/XXXX, nearly 8 years later, I received a bill from Navient stating that I owed an outstanding balance of {$1300.00} against this particular loan ; a combination of a principal as well as late fees and interest which apparently are accumulating daily while I try to resolve this. I had not received any communication from Navient ever up until this time, nor did I receive any communication from XXXX after I paid off the loan and closed the account back XX/XX/XXXX. Frankly, I thought Navient was junk mail, but I have communicated with the company and am being told that I owe this money. My bank no longer has the cancelled check because it was greater than 7 years ago. I have only a payment history to prove it. I feel as though I am being scammed for this money and I actually do not have the funds to pay it now, nor are they offering me any kind of solution that will allow payment plans and slow down the interest progression. They are claiming the amount is due to fees incurred during " transit '' of my last payment from the time I wrote the check to the time it was entered into the system and placed against the loan.
Consumer complaint received 2016-03-31
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (GA)

Back in XXXX I sent a CEASE & DESIST LETTER to General Revenue Corporation for the said XXXX XXXX - Online debt. I also explained to them per the letter of separation provided from XXXX I have no debt owe to them or me. This is legal document stating that. In XXXX XXXX sent this same debt to another debt collector and when I fax that debt collections company the letter of separation they agreed that they cant do anything because of the letter of separation. Now once again in XXXX of XXXX I received another letter from GRC attempting to collect on a fraudulent debt. As stated above I sent a letter of CEASE & DESIST back in XXXX and on the phone dated XXXX XXXX XXXX I was told that my account will be placed in CEASE & DESIST but I received another on XXXX XXXX of XXXX after I already asked in XXXX for GRC to CEASE & DESIST communications with and again on XXXX XXXX of XXXX I was told that they would CEASE & DESIST communications with me. At the end of the day the debt is not mines and if I did owe any money to school why would n't they have taken out of my check if I owed them since XXXX and I was still employed there till XXXX of XXXX? If I owed them money AGAIN WHY DID'NT TAKE IT OUT OF THE SEVERANCE PACKAGE THAT I RECEIVED???? XXXX is harassing me know and this needs to stop. I have shown proof that XXXX can not collect on this. I show proof that the debt is bogus because it has no type of late fees and or collection cost. They know this is some XXXX and GRC should leave me alone. 


I have attached the dispute from XXXX and all documents along with a screen shot of the recorded phone between GRC and I. I have attached the letter I sent to XXXX XXXX stating the reason why this debt is not valid. IF you do n't stop and I mean never contact me again, I will seek legal representation and provide them with all the legal documents, files, statements from former XXXX employees and file harassment charges against GRC with GEORGIA ATTORNEY GENERAL OFFICE and US Government.
Consumer complaint received 2016-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MI)

I have a XXXX XXXX loan that was sold to the company Navient. In XX/XX/XXXX I set up a recurring monthly payment of {$170.00} to be taken out of my account for 12 months on the payment assistance plan. After two payments I received a call to set up another payment plan for {$140.00}. Shortly thereafter I received a call stating that I could not be on two payment plans so I decided to keep the {$140.00} payment plan. I then received a phone call saying that the higher up managers denied both payment plans after I had already been set up and paid monthly amounts. When I spoke with managers ( XXXX different ones to be exact ) I was told that it was nothing that they could do because the higher up managers made the decision. The last manager I spoke with told me that it was a computer program and that they could not change the interest rate for my loan. I did not ask for my interest rate to be changed. They offered me a payment of {$190.00} a month, but I think it is unfair for me to be forced to take this payment considering the relationship that has occurred. I offered to return to the {$170.00} payment, but was refused. They said the difference was only {$20.00}, but that difference is big because I have other private student loans to attend to. I can not agree to that. I told them I would continue to pay the XXXX every month because that was the last agreement that we had. 

I would like a separate mediator to intervene so that we can find a solution. I made an agreement to pay a certain amount of money every month to this company every month and they changed the terms. That is not fair. 

I have yet to speak with a higher up about the decision that was made even though I requested it.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. 

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you. I will await your reply.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AL)

I had Direct student loans and had them transfered Navient .Before it was transferred my federal income tax was garnished to pay towards the debt and I never saw anything showing that the money was paid towards my account. No statements did n't show on my credit report either.And It was over {$2000.00} which was taken.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, my name is XXXX XXXX. Beginning around XXXX till around the middle XXXX was having a serious of mail theft on and off which had gone unnoticed by my family until creditors began to contact us regarding late payments and overdue statements. We promptly contacted the Police and the USPS and filed complaints and criminal reports and promptly paid off all overdue accounts and supplied the creditors all with our Police Report number given to us by the USPS XXXX XXXX. This case is filed under XXXX XXXX. The XXXX and only creditor which has been giving me a hard time and refusing to refund my fees and correct the late reporting on my credit reports is CHASE. Even the initial representative informed me that in the case of mail theft all fees would be reversed and all late reporting would be changed to current and on time. They are refusing to reverse some fees that had incurred last year from XXXX till about XXXX and the refuse to correct the delinquent past due status from my XXXX and XXXX credit reports from 2015. This is not fair an every unprofessional. I feel like I went through XXXX and back since last year and Chase is not complying with state and company laws and understanding that we were not receiving statements and payment were being mad blindly at the branch according to what the tellers were saying to us. I am very traditional and can not access online statements an such without my children and they are away at college and this company made me feel so distressed and I was in disbelief at how every time i escalated this situation i was being shot down and told NO. I am a great customer, I have never had missed payments before this unfortunate incident. I bank and save with Chase and i was paled at their lack of graciousness or professionalism. Many many times they made me cry and yet they had no heart or curtesy to correct that which was in their jurisdiction to correct. I would like an investigation into their REFUSAL to follow the law and their own optics and even the states policy on mail theft and creditors. I have attached my apology letter that the USPS informed me to give to Chase and all of my other creditors and i gave attached it to this complaint along with my ID and Social Security number. This letter contains my postal police 's case number on it. Which can help verify my situation. Please force this awful and aggressive company to follow the law and not treat its own customers like suspects and understand that things happen and they are responsible to help customers not hurt them.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

Navient has lost an automated payment made to my student loan account, and refuses to correct the situation. My bank has provided Navient with documentation showing the payment was made yet the issue is still not resolved a month after the lost payment.
Consumer complaint received 2016-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates (PA)

L J Ross will not stop calling me. They called me countless times during work and I am unable to pick up. Every time I called them back, they said my number is not in their system and I do not have an account and their IT department would resolve this issue. I finally sent a cease and desist via certified mail and still continue to receive calls. I am now pursuing civil action against them for their numerous violations against the FDCPA laws.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates (MD)

I sent several letter for L J Ross Associates to validate the date because I never had a XXXX, they sent me a final bill with an address that I never lived at, I then sent correspondence to them asking them to let me know when it was opened and when it was closed and explaining to them that the account was not mine, they never responded after that and the are still reporting on my credit report as well as sending updates to the credit bureau, How can they verify and send updates to the credit bureau but fail to respond to my correspondence.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nair & Levin, P.C. (CT)

I 've contacted Nair and Levin about a debt they state I owe. I requested from them in writing several times verification of the debt and which they failed to provide. My most recent one was after I sent them a letter stating that I would like verification and this time I faxed it over and still did n't receive a response from the debt collector. The debt collector has violated the fdcp by not validating the debt. If this matter is n't resolved I will file a federal lawsuit. I 've ask for validations to be sent in the mail, verbally, by mail and by fax. This was not done, therefore the debt is not collectible. I have also filed various other complaints regarding the business.
Consumer complaint received 2016-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC. (CA)

Cash Call frequently keeps calling for a man named XXXX XXXX even after I had repeatedly told them to stop calling my XXXX year old son 's phone, looking for a man that we do not know. It has gotten to the point where we tried blocking the numbers but they kept calling from new numbers. This has been happening since XX/XX/2015, and we are tired of it.
Consumer complaint received 2015-12-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (CA)

I co-signed on a Cash Call loan for my XXXX XXXX in 2013. My brother immediately defaulted on the loan and I was left to pay it off. Unfortunately, I was layed off from my job shortly there after and was unable to keep up the payments. 
So, now I have a Cash Call amount of XXXX on my Credit Report. I have contacted Cash Call to set up a Lump Sum payoff, but they refuse to speak to me regarding this loan, since I am not the " Primary Signer ''. I need this Cash Call off of my Credit Report to move forward with a Refinance that I am attempting to complete. 
In short, I need your office to contact Cash Call and find out how I can pay of this debt & how long afterwards before their company is off of my Credit Report.
Consumer complaint received 2015-08-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation (PA)

Spoke with third party. Representative lied and said they were unable to process a dispute on the amount claimed to be due. Amount due was wrongfully thrown on my credit report prior to my being notified of the amount " said-to-be due. '' The issue turned out to become hostile with the third party agent and she insulted me and told me they will just have to collect the money by " other means. '' This caused me much anxiety, even with my existing XXXX. I felt as though I was undermined and treated with disrespect regarding the amount due. I was ultimately unable to communicate effectively with the third party billing collector.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX I XXXX I am trying to submit a disputes on this accounts because accounts not related to me, but Experian said accounts was verified and not accept any disputes on this accounts, supporting documents was sent to experian but they are rejected to dispute this accounts anymore
Consumer complaint received 2015-12-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (SC)

My name is XXXX XXXX XXXX telephone number XXXX or XXXX address is XXXX XXXX XXXX XXXX SC XXXX email address is XXXXXXXXXXXX XXXX 2015 I was contacted on my cell XXXX by an automated dialer from number XXXX Ally financial XXXX times with a span of 1hour on all occasions .. this is considered harassment. They are only to contact my XXXX a day between XXXX and XXXX I am requesting {$10000.00} for the XXXX offenses after the XXXX call. Total {$3000.00}. On XXXX the called my home telephone # XXXX as well by an automated dialer XXXX times as well. I am requesting {$10000.00} for the XXXX offenses after the XXXX call. Total {$3000.00} ... ... .I 'm requesting XXXX on for this date On XXXX I was contacted by an automated dialer from Ally financial from XXXX on both my cell phone XXXX and my home phone XXXX XXXX times I 'm requesting {$6000.00} total for this dateOn XXXX the contacted XXXX more on my cell phone XXXX from XXXX $ XXXX would like a total of {$14.00}, XXXX Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. ( FDCPA 15 U.S.C. 1692d ) Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d )
Consumer complaint received 2015-06-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

I purchased a car from XXXX, when I purchased I was under the impression that I had XXXX insurance but it turns out I did not. The sales person did not fully explain and apparently marked that we declined on the application when that was not the case. My car was totaled in a weather related accident that was not our fault approximately XXXX days after the purchase. My insurance company did not pay off my loan balance - there was about {$6600.00} left. After the accident I called Ally Financial several times to discuss options. I was told by bother customer service reps and the total loss department that I would be able to make payment arrangement after the insurance company settled the claim. I was very worried about purchasing another car because I knew I would have a remaining balance and even tried to finance a new car with them. They stated that I should just go to a dealership and get financing through them and that I could make arrangements for the remaining balance at a later date. I have now received a letter stating that I must pay the remaining balance in full or continue making the $ XXXX/month payment and I have no options to restructure the loan to make lower payments when that is not what I was told in the past. If I knew that I would have purchased a minimally priced car so that I could pay this loan off before getting another loan. I can not afford to continue making the monthly payment at {$420.00} or pay the amount in full at this time. They also initially sent me statements stating payments would be due in XX/XX/2018 so I assumed they were allowing for a delayed re payment since the car was totaled then I received a letter in the mail stating payment in full or installment was due XX/XX/XXXX
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I 've sent 2 dispute letters to Experian. One on XXXX/XXXX/2016 the other a copy of the same dispute on XXXX/XXXX/2016 and now a third on XXXX/XXXX/2016. Since my first request ( over 260 days ago ) I have yet to see any investigation of any of my accounts in error or in question.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

Credit reporting agency Experian would not validate any information for XXXX accounts that I have asked for validation of on 4 separate occasions. By law they must validate with documentation any accounts that are reporting to my credit report but they have not complied with my requests.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I filed an official dispute with Experian on XX/XX/2016. I stated that XXXX XXXX XXXX, a creditor on my file, has misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Experian return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Experian has not provided any further information to explain why they have decided not to update their files.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

XXXX line identified as XXXX appears on my credit report, however, the alleged original creditor has FAILED to supply proof of a debt. Additionally, I asked Experian to provide me with the 'Method of Verification ' for the disputed item, as attached - yet the trade line was somehow 'verified '. Since neither the data furnisher nor Experian can provide me with ANY proof that I signed a contract for debt, Experian needs to permanently delete this item as FCRA does NOT allow for unverified items to remain on consumer credit reports.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/2017 XXXX There is ( XXXX ) reporting on my Credit XXXX XX/XX/2017 XXXX XXXX/XXXX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

I had made a complaint regarding this issue before I believe with Consumer Financial Protection Bureau Case # XXXX in which XXXX stated that they were going to put in my file that I had a dispute regarding their claim my payments were late. According to the records that esperian is displaying in their records there is no such statement and I still dispute their claim I was late. I remember speaking with customer service representatives in XXXX, XXXX or XXXX and there was an error on their part receiving and receipting my payments at that time. I am requesting that this information be removed from my credit report being this happened in XX/XX/2010 and I am under the impression also that in the State of Georgia that adverse information is suppose to remain on your credit report after six ( 6 ) years not seven ( 7 ).