davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

This issue is with Equifax. They are not updating records in a timely manner. I have XXXX dispute that is 6 months old. The information in my accounts are correct with XXXX and XXXX but Equifax is not correct on several accounts that have been paid and closed. They list them as open paid but it is affecting my FICO score. The FICO score with Equifax is almost XXXX points lower than the other XXXX reporting agencies. This ongoing issue is making it hard for me to get financed at a normal interest rate or with getting financed at all..
Consumer complaint received 2016-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MI)

I obtained a student loan through XXXX XXXX for my XXXX XXXX expense in XXXX. The loan was taken over by Navient student loans in XXXX or XXXX. 
Recently there was a balance of {$50.00} due. Navient Student loans has harassed my phone by calling me Everyday from Sunday-Saturday including holidays from XXXX, every 2 hours or about 6 times a day or 42 times a week and 168 a month nonstop. Navient also call and when voicemail comes on to record the message, they do not leave a message. So, they have called so much as to leave my voicemail full with empty responses and block my ability to receive messages from other persons. 
This is harassment and I am reporting them so this type of practice will stop starting with me. 
These type of phone calls interrupt the general use of my phone, harass me and interrupt my phone use. Navient has other ways of contacting me, they have my addresss and email and have contacted me by email and even went as far as to sent letters to my old address that I have not lived at in 20 years. Currenlty my relative is XXXX in the hospital and my phone needs to be freed up for this and other purposes.
Consumer complaint received 2015-05-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

I went to XXXX XXXX in XXXX New Mexico from XX/XX/XXXX - XX/XX/XXXX. While I was there I earned degrees in XXXX, and my XXXX. XXXX a year I would go in and sign paperwork for my upcoming loans. Never was I given information regarding the interest on the loans, or how much my monthly payments would be. By the time I finished school I had over {$100000.00} in student loan debt principal and another ~ {$50000.00} in interest. Now I pay so much money I ca n't buy a car or a house.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

I can not get a paperless copy by pdf of my monthly statements easily. This is my second complaint. I just want it fixed. 
I travel XXXX XXXX XXXX so I hope to keep a business card with them, but CitiBank is inept.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Cadence Bank (TN)

I have disputed an alleged outstanding debt that is held by Bancorp South on several occasions, per my rights as stated by the FCRA. Bancorp South has failed to provide me with support for the debt that they allege that I owe, including a calculation of my balance from the origination of the said debt to the present time. Instead of providing me with this documentation, they have harassed myself, my family members, etc. They have called us pretending to be the US Postal Service, etc in order to obtain or address. They have also filed a civil suit to collect the debt, rather than provide us with proof of the debt.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (CA)

Paypal flips your purchase to PayPal credit several times during the checkout process. If you miss XXXX of the clicks you use PayPalCredit without knowing it. 
I did this and got hit with {$2.00} minimum interest and {$5.00} late fee. I paid to get my account in good standing. 
When I called to request the charges be reversed I was told that they would not refund the {$2.00} interest ever and they could n't refund the {$5.00} late fee now because I paid it. 
So I paid a total of {$7.00} " interest '' for 2 months on a {$17.00} purchase. 

I think that this is predatory lending.
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WA)

Our home went to Auction at the XXXX XXXX, WA XXXX on XXXX XXXX, 2015. I contacted XXXX XXXX and gave them our case CFPB case number XXXX. 
On Monday XXXX/XXXX/2015 We were served an Eviction Summons ( residential post-foreclosure ) that we need to respond to by XXXX XXXX, 2015. It is from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. Phone number XXXXXXXXAs being included in a Class Action Lawsuit against Green Tree Servicing LLC , I am informing them in writing of such and we will not be leaving our home until this is resolved. We have worked with them diligently to keep our home to no avail. We will be appealing this process with the XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CO)

I anticipated bill problems a number of years ago due to upcoming surgeries. It was suggested I " default '' on payments and seek forbearance after the surgeries/rehab. I did. I was under the impression it would not negatively affect my credit scores. It did affect my credit history negatively! ( XX/XX/XXXX and XX/XX/XXXX an the next year XX/XX/XXXX-XX/XX/XXXX ). 
I attended the University XXXX.
Consumer complaint received 2016-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (NC)

Original CFB Complaint # : XXXX & XXXX On XXXX XXXX 2016, I received notification from the MT AG, whch stated that Stellar Recovery notified them that they contacted the OC and was not able to verify this debt. And that they have ceased all reporting and collection activity. Somoene is lying, because this is listed as a closed case, that is PAST DUE on my CR, which affects my credit. Stellar Recovery needs to properly send a cease and remove letter to ALL CRAS that they reported this debt to IMMEDIATELY! IT DOES NOT BELONG TO ME! Therefore you are aiding in ruining my credit! Remove this NOW! 
Record # : XXXX.
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RSI Enterprises, Inc. (CA)

RSI Enterprises continue to call my home early in the morning up until late night from various different numbers, they leave a message advising that they are a Debt Collector. I have not spoken with them but I do not have any business with them and would like them to discontinue calling my phone number
Consumer complaint received 2015-05-06
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CHECK INTO CASH INC. (OH)

Collections representative working on behalf of Check Into Cash called my ex wife and told her that I may have committed fraud and that they were looking for me, even though this debt and the checking account in question were either acquired after our divorce or before our marriage, in clear violation of Section 805 part b of the FDCPA.
Consumer complaint received 2015-08-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Short sale regarding Chase - submitted in XXXX and still do not have any movement - Chase is the XXXX and has been informed there is a foreclosure sale date on the XXXX lien - the file has been escalated with no response
Consumer complaint received 2017-02-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (IN)

I setup my account for auto draft back in XX/XX/XXXX with Fay Servicing XXXX. This month my account was drafted XXXX payments within 3 days causing my account to go into the negative status of {$690.00}. I contacted the office the first day it occured with the accound manager XXXX when they first opened with no resolution. I called the XXXX day and asked for XXXX manager and spoke with XXXX. who was very rude and said they were working on it and I needed to call the bank and explain to them what happened. Ive asked for the money that was taken from my account at all fees be reimbursed by the end of the day and no one ever called to follow up. Here it is day XXXX with my account still negative and no way for me to receive monetary funds from baking institution to provide for my family. This is the XXXX time this has occured where funds were withdrawn from my account leaving my account in a negative standing. I would like a letter and an apology for the unprofessional customer service in addition to a letter for my financial institution for Fay Servicings error. As of now, no funds have been deposited back in my account.
Consumer complaint received 2016-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

Why do you have to keep reapplying to have your loan discharged when you 're XXXX? 
Some of the letters I have written addressed to the " lender '' have been returned to me.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

SunTrust bank refuses to reimburse me for fees they took from my Signature Advantage checking account which is supposed to be free. I have talked with XXXX branch managers, XXXX XXXX and XXXX XXXX several time during the past six months since I discovered in XX/XX/XXXX that SunTrust was mistakenly charging fees from my account. Both branch managers said that the fees were charged in error, that they would make sure that the erroneous fees would be refunded to my account, and that they would follow up with me ; neither of which has happened. XXXX, XXXX, the current branch manager at the XXXX XXXX XXXX XXXX Location ( XXXX ) told me that Suntrust frequently mistakenly takes fees from free checking accounts, and that she has known about the problem for years. 

I 'm unable to determine the amount of money that Suntrust has erroneously taken from my checking account because their website only displays my account record since XX/XX/XXXX. As far as I can tell Suntrust has taken at least {$200.00} from my account, but it may be more.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

XXXX sent a collection of about {$600.00} to a collection Agency in XX/XX/XXXX. This Optimium Outcome Collection company sent collection requests to all XXXX credit bureaus and damaged my credit score!!! The debt of {$600.00} has already been PAID OFF by my health insurance company in XX/XX/XXXX!!!!!!!!!!! I called together with my insurance company to XXXX ' billing department in XX/XX/XXXX, and they confirmed that it was their mistake and they had already received the payment in full in XX/XX/XXXX. I do n't know XXXX they sent to this to the collection agency again!!!!!!!!! I request monetary remedy from both XXXX and Optimum Outcome for damaging my credit with their mistakes!!!!!!!!!!!!!!
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (SC)

I did not authorize any of these transactions nor do i have any knowledge of these inquires XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX, Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (IL)

During my last recertification of IBR, ACS reported my gross income as {$XXXX} using my paystubs. They said they based it on a 12-month work period. The only problem with this is that I am a XXXX and XXXX only work from XX/XX/XXXX to XX/XX/XXXX in our XXXX. My income should have been based on around XXXX instructional days. Also, XXXX do not earn on XXXX break, XXXX break, XXXX break and holidays in between, including training days for XXXX. 

As a XXXX, sometimes I get to work as a XXXX. I may earn the first year XXXX rate working as a XXXX, but nowhere near XXXX as ACS claims I earned. My concern with this unearned amount reported by ACS is that it may influence the standard repayment plan to a higher amount. ACS claims that they ca n't go back now because it is too late. I requested them to put the amount back into the loan, but they wo n't do it. This amount is now past due even though I am under IBR and recertified with them. While I tried recertifying, I had paid a previous standard repayment due to my late recertification. ACS denied my IBR forms claiming I did not select the correct check mark. I feel ACS failed to help me 3 times within 45 days to help me correct the issue by delaying the acceptance in order for my account to get hit with another standard repayment plan due to lateness and collect a little more from me. I want the Bureau to investigate this further to find the discrepancies that appear in my account.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I have requested that previously DISMISSED CH XXXX filings be removed off my credit report due to the age of the records. The filing dates are over 7 years old and the clock starts ticking from the date of filing not the date of the discharge or dismissal. The Trustee 's office stated the same to me and suggested that I file a correction through the XXXX reporting credit agencies. 

I am currently in a CH XXXX and will be successfully discharged in XXXX/XX/XX/2017. I am trying to clean up my credit report before I get the discharge.
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (ME)

The loans started with XXXX back in XX/XX/XXXX then apparently have moved all over Navient, PHEAA, AES, XXXX 
Back in XX/XX/XXXX I contacted your office XXXX was very helpful and was advised what to do to bring this loan out of default which we successfully did and per advise from your office we applied for and was granted the IBR program XX/XX/XXXX, paying ever month {$120.00} to AES among other names. Which I believe these companies change to their benefit. 
XX/XX/XXXX recertification came up and we again were granted the IBR for {$30.00} XX/XX/XXXX let me add here this was all done by a higher up supervisor at AES who had all information in front of her .This payment was based on family size and other considerations. Only to have this rescinded XX/XX/XXXX. When I called AES this supervisor said they had made a mistake, but I said I had been on the same program for over a year. 
My husband is XXXX, our son has XXXX which is why he went to XXXX which promised him education leading to a good job in XXXX which never happened although he did graduate in XX/XX/XXXX with his XXXX. The only thing to come out of it was a tremendous debit. Which we keep trying to pay, but the rules keep changing to the benefit of these above mentioned companies even when one does what one is guided to do. 
Today I get a letter from PHEAA stating that default consequences now are 19 % and {$8300.00} this is in addition to an already growing balance of {$43000.00} it never goes down only up. 
My husband who is XXXX since XX/XX/XXXX was granted a XXXX back in XX/XX/XXXX from XXXX only to have that rescinded in XX/XX/XXXX He is however still XXXX, I work partime as a XXXX and bring home {$XXXX} a week. 
Yes I have called my Maine Senator XXXX to no avail and Senator XXXX to no avail. 
Why when regular people like us do that which we are guided to do, then the rules change to the benefit of these loan companies that do n't want a family to succeed .Just go further into debit which can never be paid back and they know it. Does anyone really care? I beg you to please help us. All we want is a level playing field and debit relief. 
Ironically this letter today from PHEAA clearly states a repayment option of IBR which we were already on. I do pay the {$30.00} every month. 
I know one should not get emotional about the above, but these companies are playing with everyday peoples lives. I have loads of documentation to the above and wish I could go in front of congress to show what is going on with this outrageous dealings of these lenders. Please I do not know how to attach documents, but have many to submit for someone to look at. 
Thank you for your time and I hope you or someone can help. I am sure I am not alone. 
Kind Regards, XXXX XXXX, Maine
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

I have not received billing statements via mail nor by email for several years. Yet PayPal Credit c/o Synchrony Bank has made withdrawals from my checking account and have let interest accrue during the same time period. After attempting contact Synchrony Bank I received the first mail correspondence in years.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

Someone fraudulently applied to Amazon/Chase Bank for a credit card against my Chase account. On XX/XX/XXXX Chase ran a credit check, then approved an Amazon Visa credit card. XXXX notified me of the credit check. I called Chase,, they deleted the card before any charges were accepted. The only personal data breach I can recall is the XXXX issue regarding XXXX accounts that they reported compromised some months ago.
Consumer complaint received 2016-10-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (VA)

Earlier this year I had fallen behind on my lease payments with VW Credit. As of XX/XX/XXXX the total balance on my bill that I had owed them was XXXX. I made a payment of {$700.00} on XX/XX/XXXX. I made another {$700.00} payment on XX/XX/XXXX. My statement due for XX/XX/XXXX showed I had a remaining {$690.00} to pay. I paid the full amount on XXXX. My XX/XX/XXXX statement showed I had a XXXX balance and my next payment was due XX/XX/XXXX which would be XXXX. Today I checked my account and it is showing that I now owe {$860.00}. The additional money they are tacking on is {$210.00} personal property tax and a late charge of XXXX. I do n't know how I could have a late fee due or a personal property tax amount due if I had paid in full and my account was showing a XXXX balance due for XX/XX/XXXX. I do n't believe VW credit is being honest with me on this.
Consumer complaint received 2023-03-23
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: LEXISNEXIS (IL)

LexisNexis has been reporting an old inaccurate bankruptcy on my credit reports since XX/XX/XXXX. I have sent them a letter regarding the inaccuracies that's being reported to XXXX and on XX/XX/XXXX I was sent a response from XXXX that the incorrect information has been investigated and is accurate. I responded to XXXX and explained that LexisNexis is reporting the wrong date and it's been 10 years reporting these inaccuracies and should be deleted by now. The other information that's incorrect is the status of this bankruptcy that was immediately discharged due to me not pursing it so it should've never been reported. XXXX did not do an investigation before reporting to XXXX. This bankruptcy was removed from XXXX XXXX as it has inaccuracies. I called XXXX on XX/XX/XXXX and spoke to someone named XXXX who said they will start a dispute and that's when LexisNexis reported that this over 10 year account is accurate when it's reporting inaccurately. The account # XXXX. I called the XXXX Bankruptcy court on XX/XX/XXXX & XX/XX/XXXX and was informed by a person named XXXX that they do not report to credit bureaus but LexisNexis gets consumers information and reports and don't always report accurately. XXXX also told me that bankruptcies only remain in the system for 7-10 years and what was reported for me was passed 10 years. This should immediately be removed and not continue to report inaccurate data & dates to deframe my character.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (MN)

I owed an amount of {$950.00} to XXXX XXXX. This account was opened in 2015. This bank was closed, and my delinquent account was sold. I am being sued by a law office that I was never in contact with. The bank is no longer in business and I do not have a contract with this law firm. They are suing me for the amount above. Can you help?
Consumer complaint received 2017-10-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (GA)

I 've personally written numerous letters to this company and all XXXX credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my XXXX XXXX and my quality of life