davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I tried requesting lower payments, on XXXX or XXXX of my loans, but was right away denied and told they do n't do that cause it 's a private loan. Also feels like I 've been paying forever with very little of my debt paid off.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ditech Financial LLC (IL)

Dear Sir/Madame I previously filed a complaint, case  XXXX . The account is now closed however I disputed the companys last response. Their last response was explaining what the origin of the loan was and dates it was charged off. I understand the account was mine and where it originated from that is not my complaint. I do n't agree with the fact that they are still trying to collect on a charged off account and tht after 7 years they still have the right to report on my credit repor ts. Generall char ge off accounts are allowed up to 7 years to report. I want to know how cnan they stil be legally allowed to report this on my credit report and if it is a charge off why are they still trying to collect on this after 7 years. When will they be removed from my credit and what is the legal time allotted to report on my credit for this charge off?     Thank you  XXXX   XXXX   XXXX
Consumer complaint received 2021-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (GA)

1. Previously, I filed complaints XXXX, XXXX, and XXXX. 

2. Since then, the call back that I was promised several times that I was supposed to receive from a supervisor has not arrived - yet another lie by Klarna. 

3. Also, it has now been nine hours since the Klarna chat wrote that a specialist one be available in " one moment, please. '' Another lie. 

4. I spoke with Klarna agent, who put a hold on the combined Financing Payment for the two XXXX XXXX loans for which Klarna continues to demand payment despite the fact that I have already made the minimum payment. 

5. However, despite the payment hold, the Klarna App is still demanding that I " resolve '' the returned payment, and thus make a payment for {$75.00}. Also, it is stating that I can make no more purchases until the payment is " resolved ''. 

6. Basically, Klarna is attempting to threateningly strong-arm me into making a payment that is not due. Even though there was a returned payment, there was a second payment that went through : one successful payment is sufficient ; the return of the second payment does not cause the necessity to make a second payment. 

7. I am currently on the phone with Klarna agent XXXX ; and supervisors are continuing to refuse to speak with me. She says they will contact me " shortly '', but that's what previous agents have said and I've now been waiting nearly 24 hours total. Other agents said by 6 p.m. and that was a lie.
Consumer complaint received 2015-12-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IN)

Enrolled in a XXXX XXXX school ( XXXX XXXX, XXXX, Indiana XXXX ) was lied to about job placement, lied to about how my education would be covered mostly by grants, and they kept pushing this on me. They pushed me into a XXXX XXXX ( Now Navient ) Loan, said I met the criteria with a cosigner, and it was the best loan one could get. When in all truth it was the WORST. Variable rate that is up to % 13 percent, and climbing. I owe more on the debt now than when I first took it out. 

Come to find out there were XXXX loans with FIXED interest rate at 6.8 %, and there was no income requirement. 

This shows that XXXX and XXXX/Navient were in together on enrolling students that could get a creditworthy co-signer to get this Variable interest rate loan. This loan was pushed and pushed on me, and I was n't given many other options, it was then or never. XXXX has been proven to do shady business dealings, and has been fined for it. XXXX defrauded a bunch of students, and is now out of business. These XXXX conspired with each other to get the max they could out of each enrolling student, while constantly pressuring them, and lying. XXXX these companies shady practices have been exposed, so something should be done. They pushed me towards that XXXX XXXX Variable Interest rate because they new I had worthy credit and a cosigner, and income. 

They never mentioned the XXXX loan ONCE! Ask yourself why would I take out a Variabe Interest rate loan, when I could take out a fixed interest rate loan??
Consumer complaint received 2017-01-26
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 have always had big issues with XXXX XXXX and Navient offering XXXX '' at the rates that they do. I was sent offers and decided it was a good option at a time I did n't have funds to move, thinking that I could pay it off relatively quickly. I ended up taking out a {$13000.00} loan at 14 %! The bigger trick to it all is that it is a loan you ca n't refinance. I spent 3 years of XXXX struggling to keep up and having to do forbearance on other loans. I tried to refinance and it was n't an option. I ended up getting a lump sum loan from my wife after we married to pay this off. 

My biggest issues are that these are predatory practices .... aimed at targeting a population that they know is a safe loan ( meaning it should be a low interest rate ) but also know the burrowers ca n't pay off until 3-6 years have passed. Hiding in the inability to refinance these loans is a good business move for them but a shot against consumers.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (GA)

I called them to have some kind of settlement arranged. The representative told me if I payed {$100.00} down the amount would be reduced. I paid the money then recieved a bill and the amount was not reduced. So I did not make the payments. I started recieving phone calls. I asked to speak to superviser told her the situation she told me that her people would not make a deal like that I asked her to listen to the recording she told me no she didnt have to her people wouldnt make a deal like that. Then she offered if I paid the balance in full right then she would make the deal.I told her no. I recieved several calls after that then they turned it back over to the company the debt was created with is what I was told,
Consumer complaint received 2016-03-01
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (OR)

They have already called 5 times today and once at XXXX ( which is out of the time limit warranted ). It becomes very frustrating and I 'm not able to answer when I 'm at work, yet they continue to call during those hours.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

A I have a daughter who just graduated college she has yet to find a job I contacted navient to see what my options would be instead of advising me that I may be able to pay the loan on her behalf they kept placing her in the forbearance mode now she has more than {$2000.00} and additional interest on her loan I would like to know why if it was possible for me to put pay the loan on her behalf it was never advised this is not fair I would have been glad to do so until she is on her feet now the amount of alone has gone from XXXX to XXXX I understand that there was a federal lawsuit navient and it would like to know if a parent of a student can refinance a loan for them company takes advantage of our future generation and because of there an ethical practices the future generation of this country is in XXXX
Consumer complaint received 2017-03-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have over {$130000.00} in school debt. I worked with the XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX. All were with XXXX and XXXX children. I applied for loan forgiveness and I was denied several times over. I 'm not in the business of making a lot of money. I 'm XXXX. I should have a significant amount of my loans forgiven- at least XXXX. I 'm still in XXXX and still helping children. What I have in my XXXX is LESS than what I owe. I will be paying until I die, and I wo n't be able to leave my children without debt. Is that not why we are encouraged to pursue higher education? I was sold false hope, but I did not give up. I 'm still striving for children, and I have debt to show for it. It is n't right.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I 've been working with Navient Loans for over a year now trying to do forbearance and income-driven payment plan. They have requested I complete an application about four times and mail information to them. I 've followed their instructions and mailed all the requested paperwork to support my request and income verification. As of last week they continue to state they are not receiving the information. Now they are not willing to work with me and I can not afford the payments and this is affecting my credit and they are threatening to garnish my taxes and check.
Consumer complaint received 2015-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (WA)

Gila Corp have been calling my home number on a daily basis for the past 2 years. They leave automated messages concerning a debt. They do not advise what it is only a number asking me to call them back. I did return their call but I got nowhere. They continue to call which is giving me emotional distress. If I owe someone money they should send me an invoice or statement and if it 's correct I will pay it.
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. (PA)

Numerous times have called to get a payment that was affordable to my budget. I was told there was nothing they can do to help me with payments at almost XXXX $ a month. That would leave me on the streets! At one point I was in an affordable plan and was told just call to renew the plan I did and was told I can not get back in the same plan! It 's a scam and they do not work with you! And mKe more money by allowing customers to go into default intentionally!!
Consumer complaint received 2015-05-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

My mortgage is being serviced through Seterus Inc . They have reported to the credit reporting agencies as a Chapter XXXX bankruptcy. I am not in bankruptcy and have never been late. My husband and I work in the XXXX and can loose our jobs for poor credit and bankruptcy. I called seterus and they told me that it was a debtor mismatch and it would be corrected. I received a letter from them on XXXX XXXX stating it has been corrected. As of my new credit report is it still showing chapter XXXX and now they have the loan as closed/no balance. I have called XXXX XXXX ( the Seterus rep that sent me a letter ) and she will not return my calls. My credit score has dropped over XXXX points in their reporting error and I can not get any help in correcting. My livelihood is at risk, we ca n't move to a new house and I ca n't re-fi my mortgage to get away from them due to their error.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (IL)

I have been trying to get a loan modification since XXXX XXXX. Half a year later they gave me a trial modification and that in XXXX of XXXX I would get the loan modification. But after making all my payments on time, they told me in XXXX I would have to re-apply again for a loan modification. Since then, they have not completing my loan modification. They continually ask for the same paper work, over and over again. Now it is XXXX of XXXX. I have not giving up, but I do n't know what to do to get this done.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

On XXXX XXXX, 2015, a hard credit pull was done on my credit report by XXXX. I contacted XXXX Credit Card Services and they declined that they were even XXXX. After doing further research, I confirmed that XXXX is XXXX. I have never applied for a XXXX Credit Card, Mortgage or Personal Loan.
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I had a fraud alert and a consumer statement on my credit file and Equifax is reporting unauthorized inquiries on my credit file that I do not have an account with. I advised them this in writing and they have never sent document-able proof with my signature authorizing these creditors to pull my credit file. The following inquiries are inaccurate and unauthorized : XXXX THEXXXXBANK
Consumer complaint received 2015-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

i was a victim of identity theft. i have a fraud alert on my XXXX credit bureaus. i have had no problems at all with XXXX and XXXX.i supplied necessary documentation to all XXXX including police report and a afftidavid from FTC. I am trying to get XXXX inquiries off of my credit report with equifax and they are refusing to remove them they tell me they are factual. well of course they are factual any one with someones info can apply to any company. The company doesnt have no idea if its really the correct person or not. XXXX and XXXX have deleted all of the fraudulent inquiries. Exuifax has told me that i would have to call each creditor who put inquiery on my credit and have them remove them. Well i did that and they all told me the same thing EQUIFAX is the ONLY ones that can remove from my credit report. so i went to dispute all my inquiries on line and to my amazement you CAN dispute inquiries online. so i did this and put reason as fraudulant inquiry. Well then they send me notification that investigation complete in less than 24 hours. and states inquiries will not be removed. I am at my wits end with this company. all the accounts that were on my credit due to fraud were all removed as well as all my inquiries from XXXX and XXXX but equifax continues to fight me on this. seems i will need to get attorney involved now. any help you all can do would be very much appriciated. this whole thing has been very time consuming and im running out of patience with equifax.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Most of my current open tradelines ( revolving and current auto loan ) are not reflecting current information as of XXXX 2016 and still reflecting last reported payment date as of XX/XX/2016 or prior. The other credit bureaus XXXX & XXXX are reflecting up to date balances, payment history etc but Equifax still has not reported this information. This is adversely affecting my credit and scores and current balances and payment history is not being reported. These accounts are open and current and even new credit line increases are not being updated as well. I have disputed this information many times with equifax this past year and still shows in dispute however its been way over 90 days with still no update with correct reporting information. I have made payments on this account all the way up to XXXX 2016 and still shows last payments made were on XX/XX/2016?? this is not correct whatsoever! Equifax needs to update this information to current date.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

I have a significant amount of student loan debt. Over the past few years I would call Navient for assistance regarding my account, how to effectively pay down debt, while at the same time still have money for all other necessities, bills, and various monthly payments. I am a XXXX, and combined my husband and I make a decent salary. Navient would come back with an exorbitant amount to pay. I would express there is no way we can afford $ XXXX a month and they would respond urging a deferment or forbearance, without discussing any other options or possibilities. Being that I was stuck between a rock and a hard place I would agree, and am now facing over {$100000.00} in student loan debt and it is terrifying. My husband and I work hard, and strive to maintain excellent credit. Navient is now affecting my credit rating. I call to discuss my situation and end up speaking with a representative who is typically very difficult to communicate with, and never offered any real solutions. Why is it that I ca n't say we can afford to pay {$300.00} a month and that be acceptable? Would n't they rather have something than nothing? It 's no wonder so many are defaulting-we are set up for failure. Any assistance or advice you may have would be greatly appreciated. Sincerely, XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I failed to be informed by Navient that my income based repayment was up for renewal last year. This resulted in my bank account being deducted a payment nearly {$800.00} more than my previous payments. When trying to resolve this, it took a few months and documentation provided by Navient is unclear and now states I was in forbearance twice. 

After realizing I failed to resubmit my application for income based repayment, I called Navient and explained I could not afford the payment and they suggested I go into forbearance for a short amount of time until the whole thing gets fixed and I will receive a refund from the DOE after I submit my application. This was their suggestion to which I thought was fine. I am now learning that since I went into forbearance, the unpaid interest on my account was capitalized causing my principal amount to to increase almost {$4500.00}. 

They failed to provide me with other solutions and support and I was not aware I would be adding almost {$4500.00} more to my principal amount. 

This seemingly harmless act of forbearance has added years to my repayment and more interest in their pockets.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Since beginning payments on my Navient federal student loan I have called the company multiple times to voice that I was struggling financially, with other debts, with employment, with mental health issues ( precipitated by the prior factors ). They usually swiftly urged me to put my loans in forbearance. I now, nearly 10 years later, owe more than what I borrowed.
Consumer complaint received 2016-05-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I have refinanced my Navient private student loan. The loan was paid/refinanced at the beginning of XXXX 2016. There was an overpayment in the amount of {$1600.00} which is to be refunded to XXXX, the company through which the loan was refinanced. Navient has been contacted numerous times by XXXX and myself requesting they return the overpaid funds. They still have not returned to funds to which they are NOT entitled to. This money must be refunded to XXXX in order for them to make corrections to the balance on the refinanced loan. There is a limited amount of time for this money to be returned and processed as a refund which in turn will decreased the amount refinanced along with the payment. Navient has no claim to the overpaid amount and should return it immediately to XXXX.
Consumer complaint received 2022-10-02
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX ) {$470.00}
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

I, like many others with student loans, was not able to handle my payments so I called Navient to help with this issue. They offered me the option of the " forbearance '' program which would allow you to not make any payments for a certain amount of time and then your payments would be reduced based off your income. Once the forbearance period was over, I would start paying again. I was not given any information that my principal loan amounts would accrue interest during this period time of forbearance. I was under the assumption that every thing had halted once I was in this forbearance period. Now thinking back on it, it makes me realize that this deal was way to good to be true. Nothing comes for free in this world, but I was not notified. I saw that the CFPB filed a lawsuit against Navient recently regarding this same issue of forbearance and posted about it on their website stating that " ... the Bureau believes that Navient steers many borrowers into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Certain consumers with subsidized loans end up paying a heavy price because they could have potentially avoided those interest charges ... ..The Bureau believes that a large portion of these charges could have been avoided had Navient followed the law. '' I posted the link below. 
http : //www.consumerfinance.govXXXX I realize that this is still a pending lawsuit, but I wanted to make known to the CFPB that I was XXXX of those millions of students steered in the wrong direction trying to responsibly handle my outstanding debt. Please let me know what you need from me if anything. I am willing and happy to help with any documentation or explanation.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

My loan servicer is Navient and these criminals are mismanaging my payments. I am SAVING MY MONEY ELSEWHERE until I can pay off the entire loan at once, as making advanced payments with Navient does nothing for you as the borrower. This is unreal and literally criminal.