davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (PA)

When I called Navient to lower my monthly payments or temporarily postpone my payments so I can start saving my money they would not work with me. It was their way or nothing. Very upsetting and frustrating as I have other school loans and obligatory bills.
Consumer complaint received 2017-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

My previous Income Driven Repayment Plan was {$66.00}.
I joined XXXX XXXX and my monthly salary significantly decreased so I updated my Income Driven Repayment Plan on XX/XX/2017 to lower my monthly payments which should have been decreased to {$0.00} a month. I provided all documents including proof of income and was told over the phone my payments would in fact be {$0.00} a month due to my low income. On X/XX/2017 my repayment plan was approved but had increased to {$180.00} and was automatically withdrawn from my bank account on X/XX/2017. I contacted Navient to ask why my payment plan had increased when in fact should have decreased to {$0.00}. I was told to resubmit the Income Driven Repayment Plan Request form and proof of income. I submitted the documents on X/XX/2017 and on X/XX/2017 my request was approved but only after financial hardships living on such a low salary.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have disputed this items several times with Equifax. To date, Equifax states that the item is valid and it remains on my credit report. However, neither Equifax nor the debt collection company ( XXXX XXXX XXXX ) have provided any documentation whatsoever that proves ( 1 ) the debt is valid and ( 2 ) the debt is mine. I HEREBY STATE THAT THIS DEBT IS NOT MINE, AND IT SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

My loan is serviced through Navient. To my understanding, you are in the middle of a lawsuit with them and I completely agree with all of the grievances that you 've made. If there is any way I can provide information about this case, please let me know. 

The first issue I have is that Navient deliberately postponed my loan payment without me knowing the ramifications. Although I asked them to do this in order to process my Income Based Repayment Plan ( IBR ), I was not aware that I just used the only time I could pause my loan payments without gaining interest. It felt very deceptive. 

They did n't even ask if that was okay to pause my payments, they just did it and told me that I would start paying after my IBR plan was processed. If I was aware that pausing would use my only chance to do this without accruing interest, I would not have had them pause my payments. All in all, it felt that they were just trying to get me to use up my one time to pause in order for them to make money on interest if I paused in the future. 

I also received notifications about my loans to an outdated email address that I had changed and confirmed with them before. So Navient sent me information about my IBR plan to an old email address that I had changed with them over the phone, so I did n't receive it. 

All of this is just frustrating because they make it seem like it 's easy for me to manage my payments ; however, I feel deceived and wronged at every turn. I just want clarity - and when they deliberately use my penalty-free payment pause without my permission and send notifications to an old email address that I knew I changed, it feels deceptive.
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

JEFFERSON CAPITAL SYSTEMS TOOK OVER A XXXX XXXX ACCOUNT THAT WAS REPORTED TO BE OPENED ON, XX/XX/2021 WITH AN OUTSTANDING AMOUNT OF {$2600.00}. I HAVE TRIED TO CONTACT XXXX AND THEY KEEP ASKING ME TO SUBMIT A FRAUD PACKET. I SHOULDN'T HAVE TO SUBMIT ANYTHING CAUSE I HAD SENT OVER DOCUMENTS STATING " SOMEONE STOLE MY IDENTITY. ''
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

Navient demanded payments on loans while in deferment status, while in school, and recently consolidated all plus loans 8 months before agreed upon date. Now am being billed XXXX/month regardless of income based repayment agreement. This has damaged my credit score stopping me from obtaining additional XXXX loans needed to finish last year of XXXX program.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AL)

It takes over a month for them to post payments that are made in excessive of what is due, so they can continue to charge more interest. I made the payments online, so I should n't have to pay a penalty for them taking so long. I also do n't agree with the interest charged. The interest should be less each month due to my overall loan status going down, but it is n't. When I was making payments through the mail, Navient would post the extra money I paid on the lower interest loans as well. This should automatically go towards the higher interest loans.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (PA)

I had the same problem last year getting my annual credit report from Experian. I never had this problem with XXXX or XXXX. In the process of printing out my credit report, it was interrupted by an " Error Report, XXXX '', message and I could n't get back on the Experian site. Attempts to contact them were ignored. I think this is a disgrace!
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NJ)

I have sent letters and spoke over the phone with Experian Customer Service Reps. I have explained to them that XXXX of the addresses do not and have never belonged to me. I stated to Experian that they are the only credit bureau that is reporting these XXXX addresses that do n't belong to me.,
Consumer complaint received 2015-09-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TX)

Seterus is not applying my mortgage payment to my account correctly and is trying to apply late charges to my account. I have called several times to try and correct the issue and they will not correct the issue. They will also not remove the PMI on my account even though I have federal requirement for having the PMI removed met
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I have collection from XXXX XXXX on my credit report. I send XXXX XXXX a validation letter and they responded saying that they have suspended all collection activity and credit reporting on this account. I sent the letter from XXXX XXXX to Equifax ( other XXXX bureaus already deleted it ) and Equifax responded on XXXX XXXX saying they verified the account. This should have been an easy fix and I am having to spend all this extra time during work hours trying to get Equifax to follow the rules and laws. My understanding is that if I have a letter from the actual collection agency that states they can not validate the account at this time therefore they are ceasing all collection activities then according to the FCRA, FDCPA and the Texas Finance Code, the credit bureaus including Equifax must delete the account. It seems thy are ignoring my proof and simply sending an auto generated letter to me. If they would have taken the time to read the letter I sent them from XXXX XXXX they would have deleted the account. I am requesting CFPB, read the letter I received from XXXX XXXX and then request Equifax to remove this from my credit file or ask them why they have not removed an account that is clearly not verifiable as there letter to me states. Thank you soooo much for your help.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

I have been disputing the fraud information and sending in all the information requested and nothing has been done. I have sent in all the information more then enough times, and the company keeps sending me the same message asking me the same things over again. I have been treated rudely by the wokers about this matter. I have paid off all of my debt in 2013 with a home loan and should not have anything negative reporting.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MO)

On Equifax, there is still a " XXXX, TX '' address. I have never even been to Texas. That is not mine. I contacted someone in the past, it must have been XXXX, as I see it is not on that one anymore. I need that removed. I have paid off XXXX large debts within the past 3 months and my credit score keeps going down. Why?
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

On credit report XXXX Equifax, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for XXXX treatment hospital care, and sent to collections feeling I was billed XXXX dollars for XXXX treatment at non VA hospital my question when my employers and veteran payee pays over XXXX, XXXX dollars in XXXX payments WHY cant XXXX pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

The Consumer Financial Protection Bureau 's actions and response to my ongoing complaint, in regards to Case Number XXXX is deliberately confusing and false. You claimed both Experian and XXXX at XXXX, GA XXXX could not be found and my problem of having a fake debt on my credit report is not one known to you. False. In fact, Experian is a publicly traded company ( EXPN on the New York Stock Exchange ) that harvests and sells credit information globally. Additionally, Experian is one of XXXX credit bureaus whose complaints by others they have bullied, harmed, harassed and refused to respond to can be reviewed by consumers. Their violations of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act are in the thousands, and the Consumer Financial Protection Bureau has turned a blind eye to their abuses. 
Your denial of their abuse of power, abuse of the credit financial system and wanton disregard for all consumers including me is reprehensible. We know these companies are cheating and abusing customers with your consent, daily. We are very aware of this. We are also aware that your benign neglect and purposeful refusal to perform your fiduciary and lawful duties, by falsely claiming that you have no idea what Experian and XXXX are doing by placing false debts with no contracts, proof, evidence, validation ( either written or otherwise ) with your permission. The CFPB has failed and refused to force them to remove the fake debt from my credit report for more than 1 1/2 years. They are committing a fraud with your blessing and expressed permission, because the Consumer Financial Protection Bureau does not protect consumers. You have separate rules for companies and consumers, by stated today XX/XX/2016 in your email to this consumer, " ... we can not help you because we do n't have an address for these companies. '' Experian can be found on XXXX, XXXX, XXXX. 
Although we have no past due debts, it does not matter. Experian and XXXX have kept a false debt on my credit for years, and you condone it with your crooked policies. This helps no consumers, but it serves to protect companies like these two that act continuously in bad faith, steal consumers ' ability to do business and obtain loans, and continue to be a threat to every citizens ' life and livelihood. You do not look for problems facing consumers or enforce Federal Consumer financial laws. That is not what you do. You submit emails to protect predator companies like the two listed in this complaint, in the form of a scripted email that does not address a problem ( created on XXXX 2016 by a computer, not a human being ). Federal and state employees never work on XXXX and this attempt to ignore me, and cheat me further has been duly noted.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MA)

I received my monthly statement from discover for  XXXX   XXXX  the to  XXXX   XXXX    XXXX  . It had an additional fee charged as minimum interest charge fee. I called to ask  Discover  what the charge is about and I was told by  XXXX   ( EMPLOYEE  ID #  XXXX  ) that it was for my  XXXX  purchase on  XXXX   XXXX . I argued that a purchase in the current statement should not be charged interest until the statement bill is due. I was told that since I did a balance transfer in  XXXX    XXXX  , all purchases after the balance transfer will be charged interest immediately. I reported that I wasnt told about this and this sounds pretty deceptive. She told me it was in the fine print of the balance transfers.   It just seems that this is another way of credit card companies to make money by not disclosing the terms and charging fees at very high interest rates.
Consumer complaint received 2016-06-28
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NY)

Hi, I noticed that Paypal is engaging in a deceptive practice and I wanted to bring it to your attention. If you make a payment on a retailers website, for example -- I purchased a television on XXXX, the money is withdrawn from whatever credit card or debit card you have connected to your Paypal account. 

However, if and when the merchant refunds you, for example, you return a television to XXXX paypal does NOT refund you, it keeps the money within its own system and says that you have a " positive '' paypal balance. Why are they holding on to my money? Paypal is not a consumer bank! I have no idea how to get Paypal to give me my money back, they should not be holding on to it. It 's deceptive and unfair.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MD)

WELLS FARGO AUTO LOAN My XXXX XXXXXXXX XXXX XXXX XXXX was Charged Excessive Fees that I was not aware of GAP coverage for accidents etc. Several payments not applied correctly applied to the balance. Ridiculous Late Fees. 

I was NOT given any payment for Early Loan PAID OFF. 

I am requesting Reimbursement for ALL Monies Owed to Me. 

Sincerely Grateful
Consumer complaint received 2023-04-08
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: Chime Financial Inc (AR)

Dispute Type : Debit - Unauthorized TransactionDate Error Reported : XXXX Amount : {$6100.00} Respected Sir/ Madam, I am writing this to bring into your concern that on XX/XX/2023 at approximately XXXX several transactions of {$2200.00} was debited from my chime account. I filed a dispute with chime and advised them that my vehicle was broken into and all my valuables was stolen out of my car my phone which has All my accounts saved in my phone wallet, wallet, id, and social security card. l beg to inform you that this transaction was not carried out by me in any physical or online form. 

I explained I went out of town XX/XX/XXXX and my car was broken into several belongings stolen out of my vehicle including my phone, wallet with social security card, birth certificate, other bank cards various other personal items that mean a lot to me, which the thieves probably burned, buried, or broke. The worst part was that they have my drivers license and my address, and I lived in fear for about a week after it was stolen. I had to wait till I made it back home to get a new phone which was XX/XX/XXXX that's when I noticed all these unauthorized transactions in my accounts. My accounts was locked due to whomever tried to reset my password or attempt to login again on top of stealing my identity which I reported to Chime. Chime credit my account provisional credit which I wasnt going to use until the dispute was over. On approximately XXXX chime emailed me stating no error occurred and they will refund the provisional credit back. 
I had not accessed my account since the XXXX  of lasting speaking to an agent about this matter! And I havent had access to a phone since XX/XX/2023 due to the natural disaster tornado that hit Arkansas everything I owned or did own was blew away On XXXX XXXX I noticed someone logged in my account once again with multiple unauthorized transactions bringing the total to roughly XXXX and notified chime right away the next following day they denied my dispute again after I have sent them my identity has been stolen. I sent in police report, Id, letter and selfie of myself as asked both times! I asked for documentation on how their decision was made and they advised me it would take 10 days to provide. I asked why 10 day and I was giving a decision today, how can a decision be made and there is no supporting documentation provided for the decision. I have been with chime for over XXXX years and never had a problem no I get denied without a explanation for why is not acceptable when I send supporting documents the transactions was fraud
Consumer complaint received 2022-09-30
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. (AL)

XXXX XXXX XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX On XX/XX/XXXX, I received a letter in the mail concerning the unauthorized inquiries on my account. You stated that they all were factual. If they were factual and you did the proper investigation can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. I expect to get this information by not later than 15 days. Thanks for your time.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

From about XX/XX/XXXX when I notified Discovery Bank that I am calming XXXX on their payment protection plan they have tried to take more money out of my bank then I authorized. I would authorize a {$100.00} payment on each of my card to them, they would try to take from {$100000.00} to {$10000.00}! then would charge my cards with that amount as if it was a transfer to my bank! I would call them they would say " computer error we fix ''! they did not fix the " computer error. They even got {$5000.00} from one of my other credit cards that I did not authorize. Seems that Discover has been sued a number of time for stealing for consumers!
Consumer complaint received 2022-08-03
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: WELLS FARGO & COMPANY (WA)

I fell victim to a credit card scam on XX/XX/22. I had just started a new job the week prior, and I got a text from someone purporting to be my boss asking me to go get gift cards for a presentation, that he was in a meeting so he couldn't talk, and I would be reimbursed by my employer. Because he was using them for a presentation, he needed me to send him pictures of the gift cards. He made the request sound very urgent. Without a second thought I was on my way to purchase these gift cards, I didn't want to make a bad impression on my boss. First, I went to XXXX XXXX and purchased {$600.00} for XXXX XXXX ( XXXX {$500.00}, XXXX  {$100.00} purchase ) and {$600.00} for XXXX ( XXXX {$500.00}, XXXX  {$100.00} purchase ). XXXX XXXX total : {$1200.00}. I started to get suspicious when he asked me to go to a second store. He would always text back really fast or repeat text if I didn't answer immediately, not giving me a moment to think. I went to XXXX and got {$800.00} for XXXX ( XXXX {$200.00}, XXXX {$100.00} ). He wanted me to get more from the XXXX, but the system locked me out. XXXX total : {$800.00}. Thats when I fully realized it was a scam. He wanted me to go to a third store. that's when I called the office and confirmed I was not texting with my boss. I told him I couldn't get more and needed to get back to the office, he was insisting I get {$200.00} more. As soon as I got back to work, I disputed the transactions with the bank and made a police report. Since I was still communicating with the person via text, I called the Police 's nonemergency line, but it wasn't being staffed. I filed a report online. I called the number I was texting but it was a XXXX number. Grand total : {$2000.00}. 

Wells Fargo is holding me responsible for the {$2000.00} that was stolen from me because I was a victim of a gift card scam. They " can not '' do anything because the merchants denied the dispute because I made the purchases, and because there are no funds left on the gift cards. Of course there are no funds left, it's a SCAM.