davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WA)

I've had nothing but bad experiences with Navient regarding my student loan. I am currently behind in my payments because of an emergency move. I can not make any payments until the XXXX of XXXX. However, when I have tried discussing anything with the Navient workers, they've been anything but helpful. I previously had two payment arrangements made but the money was unable to be taken from my account. I have paid {$6000.00} in order to move into my new rental home. I also just started a new job. Navient calls my parents five to ten times per day asking about the loan. They told my father that my loan would soon be going to a third party if I don't pay soon. Yet, when I tell them I can pay on the XXXX, that's not good enough. I literally do NOT have the money until the XXXX. I can pay it at that time. When I contact my federal loan people, they are more than accommodating because they understand that life happens. Everyone I talk to about Navient says the same thing ... that they're horrible and rude. Please, just help me out here. I have every intention of paying this off, but life happened and all my money literally went to moving into a new place. I've even thought about going to the local media to explain my situation ( not that it would do anything ) but I'm so frustrated. AND STOP CALLING MY PARENTS TEN TIMES PER DAY!
Consumer complaint received 2017-10-15
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. (MO)

on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, Equifax, XXXX concerning the XXXX XXXX XXXX/XXXX accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month.
Consumer complaint received 2020-04-21
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: BARCLAYS BANK DELAWARE (ID)

I have 2 hard credit inquiries that showed up on my XXXX account that I dont recognize nor did I authorize. One is from XXXX and the other is from XXXX
Consumer complaint received 2022-12-15
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. (SC)

I received a letter from these companies stating they will not remove this unverifiable account from my consumer report. I have been requesting validation of this account and I have not received anything in regards to it. According to 15 USC 1681e ( b ) Accuracy of report, no one assured maximum possible accuracy of this alleged information. Also, 15 USC 1681b permissible purpose of a consumer report, I never gave anyone written instructions to report anything on my behalf.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (ID)

I have 2 hard credit inquiries that showed up on my XXXX account that I dont recognize nor did I authorize. One is from Synchb/amazon and the other is from XXXX.
Consumer complaint received 2018-09-17
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. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IL)

I 've been on the Income Driven Repayment Plan for 3 consecutive years. I had re-submitted my annual documents in a timely manner for the Income Driven Repayment plan, so I can remain enrolled. However, XXXX XXXX XXXX DID NOT process my renewal properly, and as a result my credit score declined 100 plus points. I 've contacted XXXX XXXX XXXX   about this issue. They have only assigned my Account as current, yet, they have not removed the PAST DUE dings on my credit. I now have 10 student loan accounts they have negative markings, resulting in a lower credit score.
Please help me with this matter. Thank you, XXXX
Consumer complaint received 2020-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB Corporation (AL)

i am a XXXX  this school and i have tried them to set up payment arrangement 's to at least pay a little something to show them that i am trying to catch everything up to standard and i have tried to call them plenty times to let them know what i can pay and i have also informed this school that i am on a fixed income and that i have other financial obligations like purchasing food and other things as well. but when i have tried to talk with someone no one never answered my phone calls and i have even left messages for them to returned my calls but the phone phone calls was not returned. but every since this virus is out here in this world they want me to pay all this money and i would not be amazed at all if they are charging interest due to this virus. no not at all. and that is what all are the companies are doing. these day 's. using this virus as a excuse to over charge the consumers for services that the people and the consumers did not cause. i feel that as consumers should not have to pay for a virus that they did not cause and i feel that they should not be over charged for services and for people that are on a fixed fixed income and struggling to feed their families and loved ones. and there is no work going on right now due to this very deadly virus that is taking the lives of family member 's and loved ones. and keep in mind that this company and all other companies are not the only ones that has to eat and provide for their families and loved ones. and now these companies are using these scare tactic 's to get more money to support their families.
Consumer complaint received 2016-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

In XXXX 2015, I logged into Navient to find that my monthly payment ( or " amount due '' ) had tripled in size from XXXX. I contacted Navient to discuss my options, and they explained my only option was to apply for an extended repayment plan. To do so, I had to submit some paperwork and pay a {$150.00} forbearance fee, which would nullify my amount due for XXXX and give them time to review my account. I called them back a few days later and found out that my extended repayment plan was approved. When I logged into the account, however, I was still seeing the extremely high amount due that caused me to call Navient in the first place. After several phone calls, it was finally explained to me that due to a billing error, the wrong amount was showing in their system, but they assured me I had been approved for the plan. I monitored the amount due in the days up until my XXXX payment was due, but it never changed. As I 've had several problems with their billing before, I wanted to be proactive and call to make sure my payments were received and in the correct amount. Multiple members of their customer service team, including managers and directors, assured me that I should pay the amount due from the new extended payment plan, and not the incorrect total that was displaying on their website. They made countless promises that the issue would be resolved and there was no chance I would see a " past due '' amount and certainly would not be charged late fees. Two months later, I am being harassed on a daily basis by debt collectors and on top of that, they had the nerve to charge me a late fee. That 's not only something they promised me would n't happen, but the error is theirs to begin with. I 've made more than XXXX calls in the past month to correct the issue, and every conversation ends with a promise from a Navient employee that the issue will be corrected. It still has n't been. It 's amazing that they have the time to call me and email me - from blocked phone numbers and third party email addresses, no less - on a daily basis, but no time to correct their own issues.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

In XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, PNC " ADVISED '' me the only way to help was for me to let my mortgage go into FORECLOSURE process. This was because my house was worth WAY more than I owed. My financial hardship reasons did not concern PNC. I just had to show I could NOT pay my mortgage by not paying. This caused me to pay 2 years of attorney fees collected by PNC. A re-structuring amount charged by PNC, late fees, court fees and interest fees to LOST income by PNC. As of late they are charging me to pay electronically or by check PLUS additional fees due to the loan. I have amassed well over {$5000.00} in fees, and extra interest paid to PNC.
Consumer complaint received 2016-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MI)

In XX/XX/XXXX I was charged by XXXX nearly {$700.00} for services I did not use. Thru multiple telephone conversations XXXX finally admitted that the bill might have been improperly charged. Being that no debt appeared on my credit report I assumed the matter was cleared. Now I find nine years later an attorney in XXXX, Stillman Law Office, has garnished my State income tax return. The most incredible part is this situation is the " debt '' is outside the statute of limitations. Even if it were legitimate The Michigan Judicature Act of XX/XX/XXXX clearly states that this is an attempt to collect a bill that was charged to me nine years ago. Would you please help me with this?
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

Hi - I have contacted XXXX XXXX in XXXX, Nevada multiple times about an identity theft that occurred through their apartment complex. I have sent them a fax, called a number of times and they give me the run around. The managers name is XXXX XXXX and their financial person 's name is XXXX. I spoke to a women named XXXX who seemed helpful and asked me to email my information that I had faxed the week before - which I did. I have yet to hear back from XXXX XXXX. A woman by the name of XXXX XXXX XXXX stole my social security number and used it to get an apartment at this complex. The apartment complex did not do the proper background check or they would have realized that she was a fraud.
Consumer complaint received 2016-04-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (GA)

M & T BANK purchased my mortgage loan for my home XXXX XXXX XXXX XXXX GA XXXX loan XXXX ) XXXX XXXX, XXXX the principle balance transferred from XXXX Mortgage. $ XXXX XXXX statement showed I owed XXXX There were no missed payments.I contacted M & T numerous times who transferred me to XXXX XXXX XXXX XXXX XXXX They instruct me to write a letter, I do but they never send the information explaining how the principle went up by $ XXXX Little Mortgage Customer Support, Retail loan Servicing did mail me a letter stating the principle was {$230000.00} when M & T purchased the loan. After written request my questions where never answered why the principle when up on a 30 year fixed mortgage.I called today XXXX and was told the request would need to be in writing again. XXXX XXXX wrote me a letter, confirmed the starting balance {$230000.00} XXXX. She referred me back to XXXX XXXX if I had further questions, which is there General Customer Service line, they tell you to write another letter.What I keep asking them is how did the fixed mortgage increase by {$5600.00}. with no missed payments.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

I stopped college because of financial issues. I had low income for many years and XXXX XXXX just kept deferring it, but intrest kept occruing. I paid off an on. When I first stopped school I think I owed XXXX, which ballooned to XXXX over the course. I had some medical issues later on and I just kept deferring. I think my loan balance isXXXX from my original XXXX. I am on ICR plan paying XXXX/month and in XXXX will owe almost XXXX. At which point I think they will forgive that amount but saddle me with an IRS income tax bill of approx XXXX? I tried to get answers from them about why I owe XXXX ....
Consumer complaint received 2015-07-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Capital (HI)

Keep receiving telephone calls from debt collectors for a person with the same name, but different SSN and date of birth. 

Received calls from XXXX XXXX/Direct Capital ( # XXXX ) and from an unknown caller ( # XXXX ). 

I never received a letter regarding a debt collection, but continue to receive telephone calls.
Consumer complaint received 2015-05-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (WA)

I checked my credit report and found EOS CCA had been submitting a collection report saying I owe {$90.00} to XXXX XXXX bill. 

I called them to ask what it was for, and they told me for XXXX XXXX bill from 2008 or so. I let them know I have not had XXXX, and I asked why they had n't ever contacted me. They said they tried to previously, but I 've never received a message from them or any letter saying they were attempting to reach me. 

I requested verification of the debt from EOS CCA 3 months ago, and they still have not provided this. I called XXXX XXXX and they were not aware of this bill.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ResidentCollect, Inc. (TX)

I have a debt of {$1600.00}. I called to find out options on settling. They informed me XX/XX/XXXX I could settle for {$1000.00}. After seeking counsel, I was told to call back and speak to a supervisor to try to negotiate payment since I am a XXXX single female who is working hard to improve my quality of life and pay off debt acquired during my XXXX/ XXXX time. I called back XX/XX/XXXX to speak to a supervisor. My agent was incredibly rude and said they would n't transfer me even though I 've requested numerous times to speak with a supervisor. Naturally I called back multiple times to see what other department could help me. The different departments apparently were all the same 3 people, ( did not know that ), so the other agent yelled at me and was so rude. Stated that I was harassing them and they would take further measures if I called back again. He would not listen or answer any of my questions regarding a supervisor or how to make a payment. I have yet to be given any payment details. He stated that he would be getting me and was going to advise that the settlement amount was removed cause of harassment. I want not rude nor did I even yell, let alone did not harass anyone. He yelled, talked over me and would not allow me to speak or ask any questions and eventually hung up on me. Shocked at this treatment I figured maybe he needed to cool off. I called back shortly after to ask how to make a payment and the moment they answered said they were emailing admin to report harassment and hung up. They continually refuse payment and these are the people supposedly collecting payment for debt?? I simply need a reasonable amount to pay as a person recovering from XXXX in a car accident ( not at fault ), XX/XX/XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX in XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and lasting effects. Just need a reasonable abut and how to pay. They refuse to speak to me to accept payment. I will gladly provide my details if needed.
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

SCA Collection is reporting 4 collection accounts on my credit report that should not be there. The account numbers are XXXX, XXXX, XXXX, and XXXX. All four of these accounts are subject of a medical malpractice lawsuit, and should not be reporting on my credit file. I have asked SCA Collections, and XXXX XXXX, to remove these accounts from report. So far, they have refused to take any action.
Consumer complaint received 2020-04-21
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: EQUIFAX, INC. (PA)

For many years i can not get credit report. The last time i tried was XX/XX/2020 i sent copy License and Social security number as per a phone call to equifax. Tried again today to check report still not available Equifax stated they did indeed receive documents and they want them again. Since i was not able to answer questions of accounts on my report correct. The accounts asked are not mine so I answer none of the above. I spoke to 3 people today very hard to understand
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On  XXXX   XXXX   XXXX   XXXX  through  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  AZ  XXXX  reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. I Remembered that I was employed by  XXXX  on  XXXX / XXXX /  XXXX   as an  XXXX   XXXX  until  XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers to  XXXX   XXXX  who was my immediate supervisor.When I became aware of this information on my credit report, I reported to Equifax about the in accuracy of the report.  XXXX  have never contacted me about any debt after I have separated from them. I want this inaccurate information remove from my account.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CO)

I am filing this XXXX dispute in referenced to the accounts listed above in my original dispute to Experian. I have disputed these alleged accounts information as inaccurate with Experian, and Experian has come back to me and stated that you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, along with XXXX XXXX XXXX myself and have been unable to get them to verify that these alleged accounts are indeed my debts. 
I enclose copies of my requests for them to " Validate '' my debts, and the receipts showing that I sent these letter certified signature request. These alleged debts are not mine and I was given any evidence of my obligation to pay this debt to the collection company 's listed above in my original dispute letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NY)

Chase has been charging me late fees for three years in excess of {$1200.00} for a returned payment of {$28.00} dating back to XXXX XXXX. I had been assured that I would not have to worry about fees under their AutoPay system, which I enrolled in sometime in XXXX. I called up to inquire about why they XXXX my account, again, as well as why there was still a balance on my card. They also had n't sent me a new card, as my old XXXX had expired at the end of XXXX. Instead, I 'm told that I 've been assessed late fees for 30+ months and that returned payments are can not be processed through their AutoPay system, which I was not aware of. They repeatedly XXXX my user account and I was unaware of the issue with the payments or that late fees were being assessed. They charged {$35.00} penalty monthly and refuse to assist any further with late fees apart from a credit for this month. I have paid more in late fees than the limit on the card of {$1000.00}.