davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

1. Over a period of eight years, Navient ( and previously XXXX XXXX ) has consistently mis-enrolled my loans in an automatic repayment plan of a limited-term nature, INSTEAD of a plan of indefinite length, as I had requested. The effect of this error has been that, though I had believed monthly payments were being made continually and always on time, in fact, they were not ; thus, the loans became late ( and once even delinquent ) without my knowledge. Additionally, sometimes when the full payment due WAS extracted from my bank account, Navient misapplied those funds -- overpaying some loans, and contriving delinquencies on others. Over time, I learned to monitor the account and catch and report these errors. However, these errors have been so constant, despite my exhausting advocacy, and the potential financial consequences for Navient so rewarding, that I can no longer believe that agents there are not misrepresenting terms to me and/or intentionally trying to 'push ' my account into negative standing. 

2. Navient, without any knowledge of my financial situation, discouraged me from seeking income-based repayment options on my federal loans. Their agents told me that they 'thought ' I 'likely ' would not qualify, but, despite my asking, did not walk me through the details of the program or resource me to make my own choice. 

3. Some years ago, my federal loans were refinanced by XXXX XXXX ; the process was already completed before I was informed that some money, borrowed at the lowest, subsidized rates, would, upon consolidation, come to be financed at a HIGHER rate, that, while some rates would come down, others would go up. I was not given the option to exclude them from the refinancing, or told that they were being enrolled at a financially disadvantageous rate. I was not made aware that I could see the existing rates on the federal database to 'double-check ' the counsel and work of the agents. 

4. In speaking with Navient about how I could not afford to make my monthly payments because my private loans with them were financed at the usurious rate of over 10 % (!!!!!!! ), an agent informed me that refinancing elsewhere would hurt my credit score by disrupting the continuity of the loan 's lifespan and end up hurting me more in the long run.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$770.00} XXXX XXXX XXXX XXXX .... Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX . Balance : {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX & XXXX XXXX Balance {$160.00} XXXX XXXX XXXXXXXX Balance {$4800.00}
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I have requested on multiple occasions to have the PMI dropped from my mortgage at Wells Fargo. I have had the mortgage for 9 years. I called and spoke to several people. The last was an individual in executive mortgage at XXXX, opt. 1. She confirmed that I am at a 77 % loan to value based on my original purchase price but because it is an investment property they will not drop the PMI until it is at 65 %. This is not what was disclosed to me at closing. I was told once it went under 80 % loan to value it could be dropped. Instead of dropping automatically as it is supposed to do Wells Fargo is stating that I have to get an appraisal done or wait until I am below 65 %. This is after they posted on my online banking account that I was at a point that it could be dropped. This is very frustrating and I have paid them approximately {$10000.00} in PMI since my loan started. A waste of money.
Consumer complaint received 2016-12-23
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery called my mother and convinced her that it was urgent they sneaked with me. My mother was called at XXXX CST and frantically handed me the phone. I asked who was calling for me and the lady only gave her name repeatedly. I specifically asked who she was representing and finally said Portfolia Recovery. I 've told them to stop calling me as the statue of limitations is passed in Alabama, 3 years if I remember correctly. I 've filed a claim through a credit reporting agency as I 've never received any paperwork via mail from them. I will now send them a written cease and desist.
Consumer complaint received 2022-02-25
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. (CA)

My credit scores appear to drop significantly by 50 points or more anytime I use a little bit of my available credit. I'm talking about less than 15 % of my available credit. For instance just recently I had a balance reported of {$2400.00} on one of my credit cards to the credit agency and my credit score dropped XXXX points. this is not the first time this has happened. It happened to me about four months ago on the same credit card when I temporarily used half of my credit available on that card for five days and then paid it off. My credit score dropped XXXX points and has never gotten back to anywhere close to where it was before. I pay my bills on time I pay my mortgage even in advance and I keep large balances in my checking and savings account but nothing seems to work with regard to keeping my credit scores up. Now my wife 's credit course never dropped significantly. She's on the same accounts that I'm on and her credit score may change by a point or two but never anywhere close to XXXX or XXXX points let alone XXXX plus points. The only significant difference between my wife and I is that I am XXXX XXXX and she is XXXX. We have been watching this trend for several years and thought well maybe it's just something going on with the credit agencies but I have tried everything and I'm frustrated with the continued dropping of my credit scores far below where they should be. There doesn't appear to be any system in place to help someone like me. I'm just tired of having to take it and having to pay higher interest rates because my scores are low. I need someone to help me.
Consumer complaint received 2022-02-25
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. (IL)

I have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2016-07-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I was first informed to set up an account with XXXX XXXX and my parents were paying a monthly loan to them on my account. We have been paying them since XXXX XXXX XXXX. We were not given any monthly request but we continued to send money to my account. When I called in after 2 years of paying the monthly payments, XXXX XXXX said that they no longer do student loans and have transferred that over to Navient. We were not notified of this at all. 

The worse thing is, that they somehow link my account to another person 's account. Thus, I no longer have an account and have been paying this other person 's account. I called in asking for a refund. We faxed our bank statements to Navient in order to verify and support our refund. We submitted the fax papers on XXXX XXXX, XXXX. We were given a refund back but not the entire amount. Navient 's claim was that they did not know where the rest of the money went. They held off our refund request. I called in continuously asking what is going on, their response was, " our research team is still doing work on this issue. '' They claimed that they would call back after a certain amount of days in order to inform me of the situation, but they did not. 

This company is lacking in its customer service. I was on the phone for about an 1 hour and 40 minutes. I always have to explain my issue to the recipient because they would not give me a direct line to a manager/supervisor. That wastes another 20 minutes or more of my time. 

They claim that they will give the rest of the refund by this Thursday, XXXX XXXX XXXX. I do not believe it. But we will see. 

I am complaining about their customer service, their productivity, switching my accounts, and their lack of communication.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (MS)

ERC ( enhanced recovery company ) has been calling me from spoofed numbers. They are trying to collect a debt from XXXX that I Incurred in XXXX and that was discharged in bankruptcy in XXXX. The collections agent named XXXX told me that it was impossible for the debt to be discharged in bankruptcy because it went delinquent in XXXX. 

He threatened to put the item on my credit report. Again the debt was discharged in bankruptcy. I have since opened an account with XXXX for cell service that is in good standing. If I had bad debt with att I would not have been able to open cell service with them on XX/XX/XXXX.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-02-25
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (CA)

The company called ERC - Enhanced Resource Center - calls me several times a week asking for someone named XXXX XXXX. I don't know who that is. Maybe he had my phone number before I got it last XXXX of 2019. I keep explaining to them that I am not XXXX XXXX and that I don't know anyone by that name, but they keep calling me. They have even given me XXXX XXXX XXXX  account info - reference number XXXX - which seems really messed up as I am not XXXX XXXX. I have asked them each time they have called to please take me off of their list, and I have reported this company to the FTC as I am on the Do Not Call registry and to the XXXX  as I don't think companies should be allowed to treat random innocent people like this. The harassing calls keep coming and there seems to be no way for me to get them to stop. I am not XXXX XXXX. I don't owe a dime of debt to anyone ( never have in my life ). I don't know why I am being harassed by these people. I just want them to please stop.
Consumer complaint received 2016-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (TN)

I have a collection agency trying to collect a debt that was paid for by the insurance I had at my job. I am now XXXX and the collection is on my credit report with XXXX. XXXX has eliminated it, and as far as I know so has XXXX. I submitted a statement to XXXX. I called the collection agency and was told if I came up with proof they 'd take it off of my credit report. However, I was homeless from XX/XX/2015 until XX/XX/2015. I lost my home because I fell behind in rent, due to my XXXX XXXX. The proof I had that the debt was paid is gone because I was unable to carry all my paperwork in my car. My car 's transmission went out and I no longer had nor do I still have any transportation of my own. I 'll keep fighting this because I was told the insurance company took care of this in the paperwork I no longer have due to circumstances beyond my control.
Consumer complaint received 2022-11-22
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. (AL)

transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates. 
I never gave Equifa written consent to furnish any inquries on my credit report they are in violation of the FCRA.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated (NM)

On XX/XX/22 I reported fraud on my account. They shut down my debit card and replaced the funds. The fraud case was closed. They have since placed a suspension on my account. I have done everything they have asked me to, but they still refuse to give me access to my account or any updates on when they might grant me access. They will not allow me to speak with any upper management, but tell me to keep calling back to check up on it. Every time I call, they charge me a fee for calling. They are holding roughly {$14000.00} with no end in sight. This is concerning the New Mexico unemployment Eppicard which is owned by XXXX XXXX.
Consumer complaint received 2022-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

On XX/XX/22 I contacted Equifax, XXXX, And XXXX Regarding my viewing my credit report, and seeing some inaccurate and false info on my credit report. It has now been over 30 days, and have not received a response. This false information has severely crippled my ability to obtain credit, secure housing, or even apply for SBA Loans.
Consumer complaint received 2015-12-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP (CO)

I have opted out of debit card overdraft, meaning they should decline all debit card transactions when there is no money in account. They put through a XXXX charge which overdraw my account by {$3.00} and they assessed a XXXX dollar fee. I called and they were able to reverse the fee and it left my account negative. I was not informed if I left it negative they would then assess another XXXX dollar reacurring fee. Now because they waived the XXXX fee there is nothing they can do I ca n't even close my account until it is paid, because I will receive another fee because I only get paid once a month.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

The notice I received on XX/XX/XXXX was vague. It only says the original account was with XXXX XXXX. I never received a bill from then. It says the date of service was XX/XX/XXXX. When calling TSI they would not give me information without me giving them my birthday. Im not giving private info to a stranger.
Consumer complaint received 2020-04-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Fri, XXXX XXXX, XXXX XXXX  ( 7 days ago ) to me paypal Dear n/a, Congratulations! Your withdrawal limit has now been lifted. You can now withdraw unlimited funds from your PayPal account. 


Yours sincerely, PayPal
Consumer complaint received 2022-11-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (CA)

Real Time Resolutions ( RTR ) has accrued over {$22000.00} in deferred interest on the XXXX loan on my primary residence, which Im preparing to pay off. They concealed this accrual until I requested a payoff statement, as it never appeared on any of my periodic statements. I was given to understand that they are not allowed to do this on a loan that was discharged under a XXXX  XXXX bankruptcy filing. The principal amount is {$30000.00}. 

I've already spoken with Real Time Resolutions on this matter on XXXX XX/XX/XXXX, but they would not provide any information that's not already on the payoff statement. 

I've been trying to find an attorney who can advise me on this, but expertise in this area has proven scarce.

My questions at this point : ( 1 ) Are there any circumstances under which a lender can continue to accrue deferred interest on a loan that was discharged in XXXX  XXXX bankruptcy? 

( 2 ) IF YES, does the 2nd loan on a primary residence fall within the legal envelope of such circumstances? 
-- Note : My bankruptcy attorney ( no longer practicing ) said Yes to both of these questions. 

( XXXX ) IN EITHER CASE, why did the loan servicer both accrue and conceal its accrual of deferred interest on my 2nd loan until I requested a payoff demand? 

Attachments : -- XXXX  XXXX discharge notice dated XX/XX/XXXX -- Latest periodic statement dated XX/XX/XXXX -- Payoff statement dated XX/XX/XXXX Loan Servicer : -- Real Time Resolutions, File # XXXX. 
-- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX -- XXXX Borrower : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX CA XXXX -- XXXX XXXX
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (IA)

My original XXXXXXXX debt which is now managed by transworld services inc was discharged in a XXXX  XXXX bankruptcy in early XXXX and they have been garnishing my income tax returns for 11 years now on this debt that was discharged.
Consumer complaint received 2018-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX was forfeited on XX/XX/XXXX. XX/XX/XXXX I received an alert XXXX XXXX XXXX XXXX entered a derogatory collection account due in the amount of {$340.00}. In result of Equifax dispute, XXXX XXXX XXXX back dated account to XX/XX/XXXX in the amount of {$340.00} with Original Creditor name being XXXX. XXXX XXXX XXXX XXXX is not in good standing in the State Of Maryland.
Consumer complaint received 2016-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

I was currently enrolled in a program through the student aid institute where they charged me XXXX for the entrance fee and XXXX dollars a month to maintain. Student aid institute was shut down with no warning and now my loans say I owe XXXX dollars for two months. I want my money back and to get into a program and I cant get a response from anyone. I need help