davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5800.00}
Consumer complaint received 2016-10-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I was contacted by someone from Navient using an Ohio number asking me about a relative so they can relay information. 
When I said that I do know this person, and inquired about how exactly my information was obtained by them, the call was ended. 
The number was XXXX, the reps name was XXXX and he said he was from Navient formerly XXXX XXXX Help me find out how my information was discovered and to have this company never contact me again.
Consumer complaint received 2016-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

Hello, I recently had my Navient Loans managed by a collection company called XXXX. I made a settlement agreement with them to pay off the loan. Then the day before the loan payment was supposed to be taken out, Navient took to the loan back from the collection company. This was done by a system that automatically removes accounts from collection companies who have not received payment within a certain period of time, I believe that 's the 30 days. However, I had an agreement in place, and I feel that Navient is taking extraordinary steps at trying to make this repayment incredibly difficult for me. I would like my loans sent back to XXXX XXXX XXXX XXXX.I would also like someone to look into this automatic system that 's pulling loans from collection companies that are already in repayment plans. The system should make an exception for those loans, and allow the collection companies to do their job.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MD)

I cosigned for a private student loan in 2009 for my sister. The loan was originally XXXX. It has since almost tripled in interest. My sister has graduated and is working as a XXXX to pay her bills. I reached out to XXXX XXXX ( now Navient ) on several occasions to be released from the loan. I was told I had to make 12 consecutive on time payments and I could be released, but I could n't make those payments in advance. So I have been having a hard time trying to maintain my sister 's loan payments and mine ( I currently have federal student loans from a different service provider ). They would not allow my sister to make income based payments, instead they wanted to use my income. I do n't understand that logic since I am not the primary person on the loan. Needless to say, we are now 3 payments behind with no relief in sight and it is negatively impacting my credit score.
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

Today I called Navient to discuss a new payment because my forbearance is ending in a couple months. I am currently enrolled in an extended graduated plan which I understood to be an IBR plan - I thought all plans besides the normal payment amount were IBR. I asked the representative why interest was capitalized in XX/XX/2015 because interest should not be capitalized ( or accrued or something ) during IBR, unless you get off of IBR. She told me that because I left IBR and got onto the extended graduated plan, that the interest was capitalized. The change from IBR to extended graduated was made over the phone in XX/XX/2015 with Navient. I have no recollection of being told I was leaving IBR, and I most certainly have no recollection of being told that interest would now be capitalized. 

I am really upset that I do n't get a clear answer from Navient on what exactly will happen to my loan and balance until after everything is said and done, until all of the interest is tacked on to my loan. I thought I was making a good financial decision to go onto the extended graduated plan and only now I fully understand that was a bad financial decision. 

STUDENT LOAN REPAYMENT PLAN DISCLOSURES MUST BE IMPROVED : I am a very educated person and even I ca n't seem to make fully-informed decisions on my student loans because the repayment plans and rules are so complicated. These 'repayment ' plans are not designed for repayment ; they are designed to keep the borrower paying interest/fees every month to stay out of default ( to keep their credit score/history from being hurt ). Repayment means the borrower will have a fair/good chance at repaying the principal of the loan. Loan sharking is giving the borrower little to no chance of repayment while still keeping the borrower paying something to the shark. 

For full disclosure, I became extremely angry and cussed out the representative ; I am sorry for that but it does n't change the inadequacy of the disclosure of changes to my loan terms and capitalized interest. 

The phone call in XX/XX/2015 that I made that ultimately lead to me ( I only understand now ) to get off IBR and onto extended graduated payment plan was not enough information, enough disclosure to make this change. More clear written information about the consequences of these loan changes/choices must be implemented so borrowers do n't make the same decision I did that lead to more than {$12000.00} of interest being capitalized on my loan. THE EXACT COST - OVER {$12000.00} - OF MOVING FROM IBR TO EXTENDED GRADUATED SHOULD HAVE BEEN DISCLOSED TO ME DURING THAT PHONE CALL AND IT WAS N'T. 

What are my options now? I will never be able to repay my loans. I want someone to call me to discuss going into default on my loans. Nearly 4 years after gradudation my loan balance is over {$25000.00} more that it was when I graduated. I will never be able to repay this.
Consumer complaint received 2017-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (FL)

I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I con taced Lexis Nexis,     XXXX   XXXX   XXXX   XXXX   they just said it was verified w  ith Lexis Nexis. I wrote Lexis Nexis and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.
The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus. Lexis Nexis, which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false information on my cr  edit report.
Consumer complaint received 2017-05-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc (NC)

XXXX   XXXX   XXXX   is trying to get me to pay  XXXX  for an account I had with a credit card company  XXXX   XXXX . they just keep calling me and being rude even though I tried to work out a plan. I do n't want them to call me anymore for any type of collections. they are using another company to try and get me to pay.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

Repayment issues. 
I was entered into the XXXX program for XXXX years, payments were based on certain criteria and payments were manageable. XXXX ( and circumstances ) have not changed in XXXX years ( I have more debt actually than years past ) and suddenly payments have gone from under {$30.00} a month to over {$300.00}. Seems like Navient 's XXXX program has had a change in calculating their new repayment terms, or I am, again, getting screwed by XXXX/Navient.
Consumer complaint received 2022-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

Im am submitting this complaint on my own behalf, I am a XXXX XXXX  so I'm on the road a lot and my wife contacted me about fact we got denied to refinance our home due to some accounts listed on my credit report that should not be on there. I tried to call the agencies but they are not helping me to reticify the problem. Listen this is affecting my mental health and causing strain on my marriage I need someone to help me get this taken care of before I lose my home and wife.
Consumer complaint received 2015-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

I received multiple private loans from XXXX XXXX in XXXX to attend XXXX XXXX XXXX XXXX in XXXX, TN. Due to medical issues with my son, in XXXX, I filed bankruptcy. My bankruptcy was discharged XXXX XXXX, XXXX. During my bankruptcy, XXXX XXXX became Navient. Since my discharge, I have made multiple attempts to reconcile my student loan debt, including settling several of the loans. When I log into the Navient.com website and XXXX of the settled loans continue to show in a past due status. Another of the private loans, shows current but Navient refuses to apply any of the money paid them to the principal, apply it only to the interest. On the loan detail page, it states that my repayment plan is Full Principal and Interest, yet when I call Navient they state it is in an Interest Only repayment plan. On that same loan, in regards to the repayment, they send me a paper statement that I do not have a payment to make, then but I see on the website that they are expecting a payment. I call to the customer service department and they immediately transfer me to the collections department, who then states that my loans are not past due, so they proceed to transfer me to customer service who continues to be unable to help. I asked to speak with a manager, at which time I was placed on hold, then received a message stating that they were closed.
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

On XX/XX/2022, An electronic item was sold in person. XXXX XXXX was the community where the exchange was arranged. The transaction was made between the buyer and seller in person. The buyer received the item, while the seller ( me ) received the payment on PayPal. A month later, the same person who sent the payment decided to dispute the payment. They claimed that they did not authorize the payment. Afterward, PayPal automatically took back the payment that the buyer originally sent. I reached out to paypal and they said that they could not do anything since the buyer had " rights ''. I ended up losing the Item that was sold and the payment that was originally sent. The original amount sent was {$700.00}. In the following attachment, the note that was left on the payment was " XXXX for XXXX  thanks ''. This transaction was made on XXXX XXXX XXXX In the other attachment, there is a review left by " XXXX '' on the same day it was made. This shows that we did indeed meet as he is able to leave a review AFTER the transaction.
Consumer complaint received 2023-07-25
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: SLM CORPORATION (VA)

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to formally dispute an account that appears on my credit report, which is associated with Sallie Mae. However, I must emphasize that I have never applied for this account, nor is it in my name. This erroneous information is severely affecting my credit profile and hindering my ability to proceed with a significant life event, specifically the purchase of a home. 

I recently reviewed my credit report from all three major credit bureaus and discovered the presence of this unauthorized account from Sallie Mae. I assure you that I have never entered into any financial agreement or transaction with Sallie Mae, and I am confident that this account is a result of mistaken identity or identity theft.
Consumer complaint received 2017-02-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MA)

I was charged late fees when I was communicated over the phone that there would be no fees charged. Specifically, when I entered a special interest rate reduction program with Navient the customer reps told me that i should not make any payments because it would mess up me being approved for this special program. i told them multiple times my account shows delinquent the customer reps told me not to worry that the account would show normal once I entered this interest rate reduction plan. I call Navient to ask about these charges.I was placed on hold for extend amount of time and i was passed from customer rep to customer rep. Then i left a feedback vm that no one follows up with.
Consumer complaint received 2017-02-16
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 had to keep applying for a forbearance because the amount of interest and loan that I owed is just impossible to pay back. Each time I paid, navient would apply more towards the interest owed then the principle amount owed and it keeps adding more to my total! It is impossible to keep up and pay down my loans from navient because they are just applying where ever they want to and not letting me pay down my loans! I feel I have been paying the same amount off for 5 years! They are stealing my money!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

NAVIENT and XXXX have made it difficult to repay the loans they have requested and exuberant amount per month stating that I do not qualify for income based repayment which I do n't understand because I 'm a single parent with a teenager in XXXX. And when I tried to send what I could afford they said it was not acceptable. So I keep putting the loan in forbearance because I ca n't afford the payments and they make it difficult to pay.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

TImeline : XX/XX/XXXX - fradulent charge made to account XX/XX/XXXX - some fradulent charges cancelled XX/XX/XXXX - unresolved fradulent charge posted XX/XX/XXXX - fradulent charges cancelled XX/XX/XXXX - additional unresolved fradulent charge posted XXXX XXXX - fradulent charge still not resolved, impact to credit score due to late payment
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CO)

I am in debt to Navient, or XXXX XXXX - not sure how everything works. Anyways, my XXXX 4 years ago and I submitted paperwork through the Navient site to have my loans dismissed. I guess I got some of my loans dismissed, but others were still active? 

The loan serviced has been ringing me off the hook for months and XXXX me around just as long. 

When they called a few months back and I explained I should have everything dismissed due to XXXX they said that the paperwork I filled out was only for a specific set of loans and not the ones they were calling about. 

I asked them where I could find the paperwork to print out for the remaining loans and they said, " You ca n't print those out, we need to send them to you. '' Alright - cool, that was literally months ago. I 've spoken to them twice since but basically refuse to pick the phone up because of their sharkish practices of calling me at all hours of the day and night. Who calls past XXXX or XXXX - honestly? 

The loan provider somehow is incapable of getting me the necessary paperwork to fill out for my XXXX, but are perfectly capable of getting repayment reminders to my mailbox. 

I 'm at my wits end - I do n't know what to do to try and deal with these crooks. 

Oh, yea, Navient - I know you 're having the pants sued off you as we speak. 

I do n't know if this is the proper channel to go through to try to find some help, but I really hope you can.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MD)

I spoked to the Manager of the Quiet Water Apartments in XX/XX/XXXX before my new lease renewal, that I am going to buy a house, so the Manager told me do n't worry XXXX " you have been paying your rent on time we will take care of you '' I was living there since XX/XX/XXXX. 
He told me most of the time the apartments are rent out in week or two, I said no problem I will pay the 2 weeks rent. 
I moved out from there. 
They did not sent me any bill by mail or called me, neither the collection company sent me any letter.
Consumer complaint received 2023-02-27
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions 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 or 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 2022-08-25
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: EQUIFAX, INC. (NY)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00}
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

After requesting to increase my student loan monthly payment several times, Navient did not follow through. I have been trying to pay off my loans faster since there is no pre payment penalty I called Navient multiple times and requested them to increase my monthly payment amount. Every time I have called they said they will implement it by 1 or 2 cycles but is yet to do it and it has been over 6 months.
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Duncan Solutions, lnc. (VA)

Received a notice for {$100.00} for a express lane violation ( never received the ticket ) when the ticket was for {$28.00} what was the other {$75.00} for? The letter does not say and because I was driving the car and it is registered in both my husband and my name the collection notice came in my husbands name, meaning they would not speak to me and explain the amount. Thought they were required to have that on the paper no hidden fees?