davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (PA)

I closed a credit card from Chase Bank. The credit card is sponsored by Southwest Airlines and I had received a different credit, from Chase, for Southwest Airlines. 
When I went online at the Chase website, I noticed I had been charged a yearly fee for the card I had canceled. I also noticed a listing for another card, sponsored by XXXX XXXX, which I had canceled some months ago. 

When I called Chase the representative claimed no record of my closing the Southwest account but were willing to close it now and reverse the yearly fee charge. The representative told me the XXXX card had been closed but, even though there is no balance on either card, there is no way to remove them from my account listings. 

My suspicion is this is a similar program to the recently revealed XXXX XXXX program. 

Please investigate this as this my be a very big scam by which Chase collects XXXX dollars worth of fees without the consumer, in many cases, being aware. 

Thank you, XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2016-04-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MarkOne Holdings, LLC (MD)

XX/XX/XXXX I accepted a new job with the State of Maryland. Since I had a prior state debt my wages had to be garnished. This caused me to fall behind in my car payment to MarkOne. I have numerous email back and forth keeping them in the loop as to what was going on. I even had to move and provided them with the updated information. Even after making a agreement to bring my account current in XX/XX/XXXX the exact same day I communicated with someone by email my car was repossessed days before XX/XX/XXXX. I was so angry I called and forward all of my communication with a supervisor to MarkOne. They realized their mistake and instead of making me pay the storage fee and late charges to get my car out the nice supervisor instructed me to make the payment of the missed car payments totaling over {$1100.00}. She advised me that she would place all the other charges on the end of my loan note. I did just that and was able to get my car back days later. Now I am being harassed EVER SINGLE DAY AND NIGHT for the late fee amount. Not even my car payment amount. They are calling my job several time a day threaten to turn my account over to the recovery team. My payment is {$390.00} for a XXXX Honda Accord with over XXXX miles. Because of everything I went through financially I am still trying to recover so when I send them {$300.00} in a payment they still call and harass me saying they payment wo n't post because it 's not the full payment so its still as if I have n't made a payment at all. This is ridiculous. I need my car to get back and forth to work however I do n't need this emotion stress of trying to pay my bill and still looking out my window wondering did someone get it wrong again and send someone to get my car. I have had it. I am a single mother. My income is the only income in my household. I ca n't afford to make a payment every two weeks I make a payment once a month and I should not be harassed in doing that. I received another letter on Friday stating the late fee and charges have totaled over {$1300.00} is this is the case why is it not on the end of my loan agreement as agreed when I got my car back? This was even stated on my repo recovery sheet when I went to pick my car up so why am I still being harassed to pay this amount. If I had it I would have paid it by now. I have even tried to refinance this through my bank and was told I could n't because the car was sold with over XXXX miles on it. Then I tried to trade it in. When the dealer called Markone they said the pay out on my vehicle was over {$8000.00}. This car not even work {$3000.00}.
Consumer complaint received 2016-11-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (WV)

I spoke with a representative on XXXX XXXX, 2016 about canceling a payment that had been previously set up as the funds were not available. She advised me to put the payment on a credit card and I told her I was unwilling to do that, she the proceeded to tell me what credit card options I had available to me. I never authorized for my credit to be pulled or looked at by the representative. 

While I owe over XXXX in student loans, ( over XXXX in interest and fees ) I have attempted to reach out to the company about trying to make some sort of payment, and while they have offered reduced payments to me they are still over {$650.00} a month which is unaffordable to me. The agent I spoke with informed me that since I had credit card availability and would not use it I did have the means available to me to pay and I simply refused to pay. The was berating and abusive.
Consumer complaint received 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

During my XXXX degree, I was unable to pay for my education in its entirety. At the time, my school advised me to look into loans with XXXX XXXX. The interest rate were reasonable ( not higher than 7 % ) and XXXX XXXX would practically approve ANYTHING! I had no idea that I would be setting myself up for failure once I completed my education. XXXX XXXX transferred my loans to a company called Navient. This company is the epitome of HARRASSMENT. Not only do they call you about payments ... they harass the co-signer as well no matter what time of day. I have even received a phone call from them at XXXX.! The only way to not have Navient call and harass me or my co-signer multiple times a day is to put the loans in forbearance or try to make a monthly payment.I have tried on numerous occasions to try and lower my payments but I was told and I quote, " You are going to have to figure it out and there is no way for you to lower the payments! '' The worst part is that once Navient took hold of my loans, my interest rates jumped to 9.75 %! There is no way a student in their right mind would sign up for a loan with this high interest rate ... not even a desperate one! The company 's forbearance policy is very interesting. The fee is always {$150.00} but sometimes the forbearance can last 30 days and then there are times it can last 90 days. It 's just up to them and whatever they decide at the time. Well, considering that I have other debts to pay because I paid for my XXXX degree out of pocket ... there is NO WAY I can pay XXXX XXXX and survive. I NEED HELP!
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

For the past 3 years I have been trying to pay my student loan from Navient. Some months I would pay twice to try to bring down my principle. Over the course of the three years, I have not been able to bring down the principle at all. It 's actually gone up. I would like to know why when I pay double one month that second payment is n't added directly to the principle? It 's very frustrating to have this happen time and time again. Only to have to talk with Navient ask them to do it and once, I put a double payment on and the same thing happens.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

FYI I will not except anything pretending to The FCRA 609 IN WHICH I been asking for since XXXX 2016 When I first ask for the information. You have lied stating that you did n't know what I was disputing using the FCRA 609 I mean It 's plan and simply to understand. to You have verify the accounts involved in this case.. You also claimed that verified account 's and One of the accounts involve is not even my account.. So I asked you to remove the XXXX items that I have asked you to asap You have gone as far as to contact the credit to ask them to send the info. The law DO NOT SAY THAT THE CREDITORS HAVE TO SEND IT. IT CLEARLY STATES THE REPORTING AGENCIES YOU REPORT AND THAT WOULD CERTAINLY BE YOU. ONCE AGAIN I WILL NOT EXCEPT ANYTHING FURTHER SO PLEASE REMOVE THE LISTED ACCOUNTS XXXX closed account XXXX closed XXXX XXXX Thanks Equifax
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AR)

I started school online in XX/XX/XXXX with XXXX, I received a grant and a loan supposedly. As a matter of fact, I have several loans but do n't know how ...? I only went for an XXXX and finished it in XX/XX/XXXX. But since then I have n't been able to make the outrageous payments they are asking of me. I have begged them over and over for help, for the most they helped me at first but now they have tacked so much interest and stuff on my loan I will never be able to pay it. I only make XXXX a year at the most and I am a mother of XXXX. The loan is so expensive and they are ruining my credit, the only thing that I do have left. I ca n't even use my degree here in Arkansas because the college I went to is n't an accredited college and they were under fraudulent doings. So I do n't know what to do .... I am currently stuck with over XXXX XXXX dollars in debt to a college that is no longer in good standings and has law suits against them. Please help me if anyway you see possible. I appreciate your time and any advice you may have.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MN)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XXXX XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I was a struggling XXXX who wanted ro do the right things towards my loans. I uderstood that I took the loan and must now repay it. Nonetheless, XXXX XXXX, now Navient, has made that quite difficult to do by refusing to work with me in any way for a better repayment plan. I have tried everything from trying to change my payment date to trying to lowere the interest and they wo n't budge on anything stating that because I have a Private Loan, there is nothing that can be done.
Consumer complaint received 2016-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I am in the process of purchasing a home and my student loan payments are showing 90 plus days late but it not showing any 30 days late. You cant be 90 days until you are 30 and 60 days late. I would like my payments posted correctly. I am trying this first before paying someone hundreds of dollars to do this. I had loans with the Department of Education and Navient now and they are both reporting incorrectly.
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. (DC)

I have XXXX loans with Navient with vastly different balances. They will not let me pay separately on each loan when I make my payments. Meaning, I can not pay more for the smaller one to pay it off quicker, which is what i 'd like to do. I 've called them to ask why I 'm unable to designate my payments differently, and they claim it 's because they 've been consolidated. However, when my loans were with XXXX, I was able to do this and the consolidation status did not change. Further, customer service told me that I could pay separately if I were to mail in checks each month along with payment slips, and offered to mail a payment booklet to me. I have not received that booklet, and it 's been several months. 

The balance on my smaller loan is under {$3000.00}, and I 've been paying off it for years now, yet even though I 'm paying extra each month, the amount automatically allocated to this loan is minimal that the balance has barely moved, given that interest is still accruing. 

This has been very frustrating to me. I would like to be able to take charge of how payments to my loans are allocated. 

I attended XXXX XXXX University.
Consumer complaint received 2015-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

XXXX sold my private student loans to Navient. Navient continues to refuse to provide me with a statement that will show each of my loan statements on one document. Navient will not provide me with TPD discharge information.
Consumer complaint received 2015-08-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NV)

Experian refuses to provide me a copy of my Annual Credit Report and/or a copy of a credit report when denied credit. This is an ongoing issue with them ... sometimes they follow the law and provide it to me and other times they do n't. This is the XXXX time they are requesting a copy of my Driver License. Why??? Nothing has changed since the last time. They are purposely depriving me of my Annual Credit Report under United States law and they need to be made to follow the law like every other citizen and business operating in our country.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NV)

This On-Site company has abused this service that reports inaccurate and bogus credit reporting information to a leasing agents by the name of XXXX Apartments and whomever else they have accounts established here in XXXX XXXX, NV. They asked me to submit documentation to support my disputes for all disputes and discrepancies, and have submitted from both official documents from the US Federal Bankruptcy court of the list of debts discharged in my BK-XXXX on XXXX XXXX, XXXX and a XXXX XXXX XXXX Police report dated XX/XX/XXXX and XX/XX/XXXX of my stolen/lost ID and various other personal information for accounts opened in XXXX that are not mine. Yet XXXX did not do their due diligence to review my official documents to clear my credit file and gave XXXX XXXX a recommendation to not lease to me at the XXXX XXXX. Also, they are incorrectly reporting an old case that was erroneously filed by XXXX XXXX, where I initially leased back in XXXX. That situation has been RESCINDED and cleared from XXXX County public records. And should not have been filed in the first place since the situation was taken care of and paid in full prior to filing the Summary Motion from XXXX XXXX. XXXX XXXX will be addressed accordingly. On-site rental reporting company has created damages to my reputation and integrity to have their damaging and inaccurate report. sent to prospective landowners/leasing agents. I have been in the mortgage lending industry since XX/XX/XXXX, and On-Site.com is violating FCRA and XXXX Credit laws, US Federal Bankruptcy laws and now stated defamatory remarks to my personal character and integrity on their ill reports which in turn prevents me from living a safe and comfortable lifestyle They have not properly researched for truth or accuracy, yet refuses to accept my official supporting documentation. Nor has XXXX conducted reasonable investigation of my disputes, they are reporting incomplete and inaccurate information, and have refused to accept my documentation to verify and report debts that are paid in full.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

I wrote and asked Experian to remove the address " XXXX. XXXX XXXX, XXXX, PA XXXX '' from my credit report as there are no active or inactive accounts reporting it. Experian wrote me back and stated that if I believe an address in my credit report to be inaccurate to contact the source of the information directly. The " source '' has been inactive for over 6 years and IS NOT REPORTING. But a dispute -- XXXX -- is using the address only because they found the address on my Experian report. I have NEVER used a " XXXX. XXXX XXXX, XXXX, PA XXXX with XXXX. This is why I want the address removed. Keeping this address on my credit report puts me in jeopardy of fraud. I still dispute the XXXX charge and they have no right to report or use an address I have never used with them. I would like the " XXXX. XXXX XXXX, XXXX, PA XXXX removed from my Experian credit report as it belongs to someone else.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

I would Like to File a complaint on behave of Experian. I was reviewing my Experian credit report and came across the length of credit History you are reporting 4 Years of credit History How could that be Possible? You are reporting a XXXX account XX/XX/XXXX on my report and a kohl card was open in XX/XX/XXXX and I do n't believe they are reflecting on my score so could you look into that
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I would like to file a complaint about Experian. I am so upset, and am hoping you can help me. Experian still will not let me dispute my credit report information online, even though they encouraged me to go to : XXXX. I also was unable to get help over the phone. There are so many incorrect items on my Experian report, I hardly know where to begin. 

The incorrect items include : an incorrect spelling of my name, a p.o. box in XXXX. that I never opened, several credit card accounts that I never applied for, XXXX incorrect phone numbers, and a statement that my current apartment address in XXXX is a business related to automobile service! 

As stated previously, I am the victim of major identity theft. I filed fraud alerts and security freezes with all of the credit reporting bureaus on XX/XX/2015 and XX/XX/2015. Yet, my latest Experian credit report, received today and dated XX/XX/2015, lists a " XX/XX/2015 '' application for a company called " XXXX, XXXX '', in XXXX, XXXX. I never applied for such a loan. I thought that a security freeze and fraud alert would prevent someone else from using my identity or accessing my Experian report. 

I called " XXXX, XXXX '' today, at both XXXX. PDT and XXXX. PDT -- although sympathetic to my situation, the company told me I had to dispute the fraudulent item directly with Experian. 

I realize I can dispute items in my report by mail to Experian in XXXX, XXXX. However, it would be much faster to file the dispute online. 

At this time, I am taking care of my mom, who has XXXX XXXX. I really can not take too much more XXXX. 

Any further assistance from the CFPB would be greatly appreciated. Thank you.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TN)

The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the XXXX Bankruptcy Court XXXX XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2016 we applied for a RV loan of {$35000.00}. We were denied. Our bank informed us that my husbands income could not be verified. We met with the bank and they could n't understand the problem with our application. It sounded like our social security numbers were mixed up and my husband has an additional social security number. Ca n't tell when this happened. My husband submitted a dispute to Experian online and so did I because it effected mine also. We have not been contacted by anyone from Experian and the bank ca n't do anything. We know this is a problem but we can not fix it.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I tried to start a dispute with Experian but they refuse to give me my report or answer the phone. Because Experian have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Experian are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is XXXX times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over XXXX hours on the phone with XXXX or some such place telling the same story over and over again to people who hardly speak English and have no idea about the XXXX postal system. Eventually I got connected via XXXX back to the XXXX and had to start all over again. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

EXPERIAN continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they still fail to address the situation. I have contacted the IRS and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. The Tax Lien showing on My EXPERIAN CREDIT REPORT IS NOT MINE. 

This is causing substantial harm to my credit report and yet XXXX XXXX continues to violate the Fair Credit Reporting Act and will be held liable if this does n't get removed immediately. 

I have also contacted and filed a complaint with the FTC and also the ATTY General both here in Texas where I reside and where EXPERIAN maintains their main corporate offices in the United States XXXX XXXX XXXX