davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

I have a complaint with Fedloan Servicing. In XXXX, I consolidated my loans with Direct Loan for public loan forgiveness. I have worked for a XXXX since XXXX, and I currently still XXXX for the XXXX XXXX XXXX XXXX. I qualified for the public loan forgiveness when it started in XXXX according to Direct Loans, who was servicing loans for the U.S. Department of Education. I, along with many others, were told that we had to make XXXX payments ( 10 years ) of payments to qualify for the forgiveness program. That was the only direction stated to us verbally over the phone. I have never missed a payment. In XXXX, my loan was transferred to XXXX, who became the new server for the U.S. Department of Education. According to my paper work, we just continued with the same plan. 
In XXXX, my loan transferred to Fedloan Servicing, which again was servicing the loans for the U.S. Department of Education. After the transfer, they stated that Direct Loans did not set up my forgiveness plan correctly and are not honoring any of my payments that date back to XXXX towards forgiveness. I am not the only XXXX is facing this problem. There are many people who were apparently set up wrong by Direct Loans, which to my understanding, was just the former name of Fedloan Servicing. I did contact XXXX, but they just seemed to pass and forward my complaint to different members of their group. I have also had many discussions with current Fedloan that has not reach a fair agreement with the original forgiveness program. 
All XXXX companies that have held my loan represented the US Department of Education loan forgiveness program. Overall, there is a big cover up and story here that affect many people. I and many others need your help.
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)

I went to school at a school that has since closed. It went by many names ... ..XXXX, XXXX, XXXX ... ..to name a few. Anyway, I went to school XX/XX/XXXX and had a loan through Navient and have been paying them since then. They have threatened me with garnishments, made harassing calls to me, and forced me to set up payment plans. I recently went on a .gov website for some help because as often as the companies change, I can not keep track of who i 'm paying and how much or how long i 've been paying each company. Anyway, the .gov site chat sent me to NSLDS.ed.gov where I could see my loan history and there I found that Navient was paid off thru a consolidation loan XX/XX/XXXX! But they 're STILL TAKING MY MONEY, every month, right out of my bank account. I have requested my transcripts so I can try to get loan forgiveness since the school I went to just suddenly boarded up one day. I am also looking into Public Service Loan forgiveness, since I have worked in the XXXX since XX/XX/XXXX. But in the mean time, Navient has taken my money, for 11 years without me owing them ANYTHING. I have attempted numerous times to call them via their XXXX and local numbers and can never get a live person.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have notified Experian that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  or  XXXX   XXXX  . Please remove these addresses from my credit file.
Consumer complaint received 2018-05-30
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: AFNI INC. (GA)

In XX/XX/2018, I retrieved a copy of my credit report and noticed that AFNI had placed an entry on my report and did not provide me a dunning letter nor any notice regarding an alleged debt. To that end, I sent AFNI a letter dated XXXX.XXXX.18 whereby I disputed the validity of the alleged debt that they had placed on my credit reports. To date, I have not received any communication from them. I have never did any business with this company, never heard of this company and as previously mentioned, never received any correspondence from them. Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI as required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. 

As such, AFNI should have provided me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherin he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and and name and address of the bonding agent for collection agency in case legal actions become necessary. All requested document must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete this erroneous, unverifiable entry from my report and send a letter communicating such. For AFNI to blatantly violate my consumer rights by placing this entry on my report  directly violates FDCPA.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R.M. Galicia, Inc. (CA)

This account has been reported on my credit and should not have been. This was originally a hospital bill. After sending in my insurance information they should have corrected the issue. Back in  XXXX  I contacted my insurance and on a conference call with progressive management they agreed to fix the issue. According to law this should never have been reported. This situation was discussed and cleared and was stated it would be removed from my credit report.
Consumer complaint received 2023-04-15
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. (TX)

On XXXX, I sent in dispute letters to all 3 credit bureaus, only to receive 3 letters from XXXX, and XXXX on XX/XX/23, XX/XX/23, and XX/XX/23 advising they thought the dispute letters had not come from me, and the letter from them stated, they would not investigate my inaccuracies on my credit report, a clear violation of the FCRA. This is a continuing tactic of the credit bureaus, especially with XXXX and XXXX. I included a copy of my ID and proof of address with all the letters sent.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (MA)

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: MOHELA (OH)

I was unemployed from XXXX XXXX, XXXX to XXXX XXXX, XXXX requested monthly help from Mohela telling them I had number money for any payments for my student loans. They did n't inform me until XXXX XXXX that I could defer with any penalty monthly. In XXXX XXXX I was informed by a Mohela agent that I could have submitted for a 6 month deferment the day that I was unemployed due to my unemployment.
Consumer complaint received 2022-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

The servicer AES will not report the balance of the loan to XXXX so that the loan can be pd. based on my father being totally XXXX. The loan should have never been in default, It was on income based that was XXXX for the last couple of years and then for some reason it was denied and went into default. I have called AES for the last couple of months, put in a complaint through the US Dept of education and still nothing. I am livid. Please help. 
XXXX XXXX, POA for XXXX XXXX
Consumer complaint received 2016-12-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (CA)

I was a student of XXXX College whose parent company is XXXX Colleges between XX/XX/XXXX to XX/XX/XXXX. XXXX has shut down due to issues beyond my comprehension. Upon signing up for XXXX, I was told that I would be getting lifetime job placement through the program and other various promises. While in school, I had exhausted my federal loans. In order to continue, they told me I needed to sign up for private loans. Now that I 've been out of school, the interest and the amount of loans are affecting me financially. I 'm afraid to default on these loans as I 'm aware that it could ruin me financially. I just recently lost my job and have never been unemployed for more than a decade. I 'm seeking for a refund and reduction to these aggressive loans as the financial office made an ultimatum that if I did not sign up for the student loans, I could not finish. After hearing that XXXX would shut down, I asked the Dean whether the school would shut down or not. He said no and to continue my education. I know I 'm a little late on filing this complaint, but the form I had previously filled out was strictly for my federal loans only. I 've been doing this all on my own and no longer have access to documentation to my time at XXXX, other than my statements from the Private Loan company. It used to be genesis, but then it got moved to University XXXX. Please help and advise.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

I attempted to get my free annual credit report online. I was told it was not possibleto do it online and I needed to submit a huge host of documentation via standard mail. 
When I actually paid for a report. The same bureau had no problem deliveringthe same credit report without the same lengthy requirements. This seems like adouble standard and an attempt at driving sales to their site to make you pay foryour report. I had no problem with the other bureaus. Report # XXXX
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Ive had issues with fees being reversed by Barclays XXXX Mastercard. They dont keep track of previous calls and dont do calls backs. Interests fees that were supposed to be waived were not applied and balance kept rolling over with late fees.
Consumer complaint received 2016-12-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (TX)

I took a private loan out for specifically daycare expenses XXXX, my school XXXX COLLEGE had there own daycare where my son attended. XXXX day i received a notice he was closing daycare for good, so after that i looked for a new daycare for my son to attend while being enrolled in school at XXXX i went back to my finical advisor to ask if i would be awarded the remaining balance due to my son not attending there daycare. The advisor told me that they were gon na meet with all the affected students, and they where gon na hold a meeting the following week and he would notify us with more info. The week was coming up when we received a notice that the owner XXXX XXXX posted on the student portal that he was going to voluntarily close the school. So my concern is what type of legal actions can be done due to him closing and me not getting any info from the advisor or XXXX? He was granted ch XXXX bankruptcy and now on XXXX XXXX he will file his ch XXXX i was never given a exact amount of what was paid to XXXX in total, and why was i never given the remaining balance paid out to apply to my new daycare my son is attending.
Consumer complaint received 2016-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC (GA)

This account was discharged in bankruptcy XX/XX/2010 over six years ago. The account was XXXX INC AND RECENTLY TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX ( a collection agency for XXXX ) has sent a threatening letter demanding payment for really I have no clue what. It does n't break down what its for or why we owe this amount. Its been over 7 years since we had XXXX service at a home that was discharged in the bankruptcy as well. Ive since contacted my lawyer and if another letter is sent we can sue and get paid for harassment. After all bankruptcy is hard but its for a fresh start and not to be harassed nearly 7 years later.
Consumer complaint received 2018-05-30
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc. (RI)

On XX/XX/2018, I applied to refinance my student loans with SoFi and was denied. According to the adverse action notice, the people at SoFi " carefully reviewed my application '' and could not currently grant me credit. The reasons are unknown, because I need to submit a letter to them requesting them. This is very unfair, as I believe they should automatically tell me these reasons in an adverse action letter.

The company did a soft credit pull and put this information on the adverse action letter. The credit score there was lower than any score I've ever had ( I frequently check - my score is typically in the 720-750 range, and this was less than 700 ) and noted serious delinquency. When I looked at my free credit report, there was no indication of any delinquency at all. If this was a reason I got denied, then this is ridiculous since it is untrue.

I did speak with someone when I originally applied, and they stated my working less than 2 years would be a reason for denial. I have worked a little over a year and a half because I graduated college two years ago and spent a semester in grad school. I found a job within weeks of leaving school, and was " unemployed '' for less than 2 months. I don't understand how a company that works to refinance student loans can penalize an applicant for working less time because the time up to when I started working was made up of me attending college, which is why I have the loans in the first place. This seems very unfair.
Consumer complaint received 2017-03-10
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 have reached out to Navient many times over the years. They have never given me anything but heartache and hassle. I explained to them that I was barely making enough money to survive and therefore it made it very difficult to make the ridiculously high payments they were DEMANDING each month. They actually agreed with me that I could barely survive off of what I was making financially. So they told me they could " help '' me. They said I qualified for {$0.00} a month payments but that as a result, the interest I would 've been paying would now HAVE TO BE APPLIED TO MY PRINCIPLE BALANCE. I did n't really understand what this meant at the time. All I knew was that they were threatening to take me to court or garnish my wages or worse put me in jail! I was so scared I did n't know what to say or do! I did n't have the money to pay so I had no choice but to agree. Now my education that I initially borrowed UNDER {$100000.00} is going to cost me almost {$300000.00}!? and that 's just SO FAR! I am so sickened and disgusted by this. It makes me afraid. I know if I get a better job they will take the money they want and demand right off the top. At this rate I will never catch up or get ahead in life. This is beyond XXXX. College should n't cost so much, it 's not like I went to XXXX or XXXX! It 's ridiculous! I am surviving off credit cards and that 's only making my debt worse. I ca n't go on like this for long, I do n't know what to do ... Please help me!!!
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (KS)

I received a collection notice fro m Hunter-Warfield claiming  that I owed {$700.00} principle and {$51.00} interest. The debt was supposedly being collected on behalf of  XXXX   XXXX   XXXX , the owner of an apartment I rented, the notice was dated  XXXX / XXXX / XXXX .   I moved out of the apartment in  XXXX   XXXX , the end of the lease, and the property  manager  told me everything was fine and I did n't owe anything. A year later I received the collection notice. I called Hunter-Warfield and requested a copy of the contract, and validation of the debt, which they are required by law to provide, according to the Fair Debt Collection Practices Act (  15USC1692  ).   On  XXXX / XXXX /   XXXX     Hunter-Warfield  admitted over the phone that they do not have the contract or validation of the debt. They told me they would stop trying to collect, and would contact the credit bureaus to correct the situation. They said they are unable to provide a written statement that they have done so, and they also are unable to close my case, all they can to is stop trying to collect.   They claim that they are unable to cancel the collection. If they do n't have the contract or validation, they have to cancel the collection.   I am pretty sure that in 6 months to a year they will attempt to collect this debt again, that is why they wo n't provide a written statement or close the case. They were illegally trying to collect a debt that I never owed, and they certainly never had any evidence that I did, and they are keeping the case open so they can try to harass me again in the future.   I am certain their response will be " company believes the complaint is a result of a misunderstanding ''.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three.

15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Last year, Barclays bank agreed to waive ann ual fees on my Black Card, Gold Card and Jet Blue c ard for the duration of my presence in the military. A few weeks ago, they 've sent out a letter revoking this agreement and have started charging me annual fees. I do n't believe this is fair or just.
Consumer complaint received 2016-10-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA (GA)

I consolidated a portion of a federal loan to a private loan for a better rate in XXXX. The company I consolidated this loan to was XXXX ( XXXX XXXX Bank ). My loan was then transferred to a management company called MOHELA XXXX of XXXX. There were many issues with XXXX and a number of errors that occurred during the transfer to MOHELA. Two things have not been corrected. One - the transfer from XXXX to MOHELA now shows my original balance with XXXX to be double the amount I actually owed ( owed approximately {$100000.00} ; now shows {$200000.00} ) and they have not corrected this with multiple requests and even their acknowledgment by phone that it was incorrectly doubled. They have not given me a print out of the payment history of the XXXX account from the original consolidation in XXXX to the transfer to Mohela in XXXX - these records were wiped clean with the transfer. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MI)

CITIBANK STILL OWE ME {$200.00} BECAUSE I OVER PAID THEM.I SEE THAT THEY HAVE DELETED SOME OF MY INFORMATION TO SUIT THEIR GREED..I WAS WAITING FOR A REFUND CHECK WHEN INSTEAD I SUDDENLY RECEIVED A CITI BILL FOR XXXX XXXX.I ACTUALLY STILL HAVE CITI STATEMENTS PROVING MY POINT.MY ONLINE CITI ACCOUNT HAS BEEN CHANGED SEVERAL.I HAVE PAPERWORK SHOWING THAT THEY SUBTRACTED INFO AND ADDED CHARGES TO MAKE A POINT THAT I MUST PAY OR I WILL RUIN MY CREDIT IF I DON'T.I AM WRITING YOU TO AVOID THAT FROM HAPPENING.I HAVE ALREADY FOUND THE EXACT SAME COMPLAINTS ON THE CONSUMER WEBSITES.I HAD NO IDEA THAT CITIBANK WAS A SCAM.I NEVER WOULD HAVE APPLIED FOR A CREDIT CARD, IF I KNEW BETTER.I HAVE FINALLY BUILT MY CREDIT UP, AFTR A LIFETIME OF IDENTITY FRAUD FROM UTILTY BILLS ALL THE WAY TO TAX REFUND FRAUD ISSUES.I AM VERY HURT AND DISAPPOINTED THAT CITIBANK WOULD SINGLE ME OUT TO CHARGE MONEY I DO NOT OWE..ANYWAY THAT YOU CAN HELP ME, PLEASE DO.THANK YOU IN ADVANCE.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (WI)

I received a direct mailer from Citibank offering a Costco Citi XXXX with 0 % APR. In addition there is printed offers in stores and the offer is still on Citi 's website. 

I received my Costco Citibank card and discovered on the 1st statement that Citibank is not honoring the 0 % APR.