davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

Good Morning, So here is my issue I 'm more concerned with how to fix the problem with private loans as I have no issues with the one small loan I have as a XXXX federal fixed rate loan. I graduated in XXXX XXXX and it 's like I 'm paying a second mortgage back ( over $ 40K ) after consolidating years ago on several fixed rated loans through XXXX XXXX, now known as Navient. I wanted one bill instead of several so I made that mistake, I will never consolidate again!! Learned my lesson. I have reached out to Navient multiple times and they keep saying the same option and only option I have. Their forbearance option is a joke!!!! Why would I want to raise my interest as it sits for 4 months unpaid and pay them {$50.00} more dollars to set that plan up!!! Navient is not willing to work with me on anything to get a lower monthly paying and it 's almost up to {$300.00} a month as the interest on this loan as has risen 3 times in the past 3 to 4 months. My husband and I both work FT and very hard but this bill has given us nothing but grief and if it sends me/us into collections and screws up my personal credit we will never be able to move forward in any way, new house, new car if needed, any medical expenses we are trying to pay off etc. We have a house to pay for, cars, medical bills, daycare expenses etc. and two young ones to make sure they are taking care of at Drs. appt., when needed etc. This is making it very difficult for us to keep up with other bills, their daycare expenses, paying our mortgage on time and putting food on the table among other unexpected bills that can occur through the months. I know there are many people, students in this predicament and I feel this needs to be addressed immediately and taken very seriously. I ca n't even transfer this loan to a personal or to another lender if I want to as it 's too much money to pay off anywhere else and I ca n't get a personal loan in this amount, it 's not allowed. The interest rate on this loan has risen at least 3 times in the past several months and if the bill goes up to {$300.00} as it 's already XXXX, I will have no choice but to not pay it as food on the table for our boys and being able to keep our house and have heat from oil deliveries needed is more important. I do n't want this to affect our credit as we hope to move within the next year or two. However, if we lose our home etc. because of them it would be a tragedy and I would be very furious. This is unfair!!!!!!!! PRIVATE LOANS MUST BE ADDRESSED!!!!!! I ca n't stress this enough. SOMETHING MUST BE DONE BEFORE THEY DESTROY MY LIFE AND SO MANY OTHERS!! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-08-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SYNCHRONY FINANCIAL (OK)

my loan is with synchrony bank who finances XXXX. the loan was done XXXX XXXX of this year. they called me and notified I had over XXXX worth of late charges. At the time of the phone call I could not pay the XXXX so I set up an auto payment for XXXX and XXXX to pay the charges off. The first payment of XXXX was deducted on XXXX XXXX per our agreement. Then on XXXX XXXX they sent through a monthly autopay of XXXX which sent my account into overdraft. I called my bank and told them this was not authorized and they rescinded it. Synchrony then charged me XXXX for stop payment. When I called them and complained they did rescind the fee of XXXX. now in XXXX they took the XXXX payment to pay off the late fee, and turned around and again sent through the monthly payment of XXXX. When I called to talk to them about this they said the auto payment continues for 60 days after the loan is completed. Needless to say my bank had already stopped this autopay and they have again charged me for return fee and they will not rescind this XXXX fee. I tried to tell them that they had sent through 2 days after the last payment for late fees had cleared my bank so the loan is over. I am so frustrated with this type of banking. All I want is for them to rescind the fee. I 'm afraid I was not very kind over the phone with them but oh well.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

After the Equifax breach, I logged into my account to place a freeze. Now, I would like to unfreeze my Equifax account. When I attempt to login to my account, Equifax states : " We can't complete your request at this time. Please call the Customer Care team ''. When I contact the Equifax Customer Care team, they are unwilling to allow me to log into my account, nor are they willing to unfreeze my account ; demanding unreasonable documentation be faxed ( who faxes anymore? ) that has never been requested before this issue arose.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

The problem relates to denying me access to online information about my account. I have had a Citibank Credit Card since XXXX. Recently I fell behind on my payments but and am more than 30 days behind ( for the first time in 11 years ) but less than 60 days behind. I promised to pay on XXXX which is still less than 60 day. This promise is in Citibank 's Data Base. All my statemets are delivered on line and that is how I access my account info. I receive nothing by mail. For some time when I login to the Citibank credit card website I can only see a screen that informs me that I am past due and gives me only the options of setting up automatic payments or paying now. Today, XXXX/XXXX/XXXX i called customer service about this. I was transferred to XXXX ( his Citibank ID number is XXXX ) who supports the website about XXXX EDT. He listended to my concern about not being able to see information about payments or any of my statements. He then went offline and came back to say that since the account was over 30 days past due, online access was denied. He said he could mail me a past statement but could not allow me to see my past statememts or payment info online. Mail obviously would take several days. He then transferred me back to customer service who verbally relayed the information I was seeking from my most recent statement. I told XXXX that it seemed wrong that I would deny access,, since I have no printed statements or anything else in writing from the company. I also pointed out that no other credit card company I deal with does this. If I am past due, they flag it on my homepage on their website, but the functionality of the website is unchanged. He said he was sorry, but that was their policy and he could not change it. He said he would mention my concern to his supervisor. In short, my complaint is that the company cut off electronic access to all information about my account because I was late on one payment in 11 years. This seems arbitray, not customer friendly and costs both the company me and time as I have to wait online for a live person to answer my questions. I think this policy of Citibank 's should be eliminated, to bring them in line with industry norms ( and perhaps banking regulations?? ) Thank you
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

Since I graduated in XX/XX/XXXX ( payments due in XX/XX/XXXX ), Naviemt calls about three times a day and does not leave messages. I checked the FASFA website, looked at all of my last and, and they are not due until XX/XX/XXXX.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In may of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (FL)

On XXXX XXXX 2017, I was denied an auto loan based on some company called SageStream LLC.?? Never heard of them before, and ca n't contact them, only by mail. I know on XXXX XXXX 2017, my scores were XXXX XXXX, XXXX XXXX and XXXX was XXXX. This company sagestream has my score at XXXX??? are you kidding me, after all the fuss of making sure my credit is the best it can be, here comes some interloper who I never heard of, who wo n't take a call and no response when written to. Please help in this matter. Now I have XXXX inquires and 5 denials! Can I sue for fraudulent reporting. Thank you XXXX XXXX
Consumer complaint received 2017-08-18
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: Navient Solutions, LLC. (FL)

DISPUTE LETTERS WERE SENT TO NAVIENT FOR {$15000.00}, XXXX XXXX {$110.00}. AND XXXX XX/XX/XXXX AND NAVIENT AND XXXX AGAIN XX/XX/XXXX. NAVIENT AND XXXX XXXX FAILED TO PROVIDE ME WITH PROOF OF REPORT, CONTRACT OR ACCOUNT. INVESTIGATION TO XXXX XX/XX/XXXX REMOVED ITEMS FROM MY REPORT HOWEVER FAILED TO SHOW PROOF OF THE REMAINING ITEMS FROM XXXX XXXX OR NAVIENT WHICH WERE CLAIMED VERIFIED. A SECOND DISPUTE LETTER WAS SUBMITTED XX/XX/XXXX AND THE ITEMS WERE YET UNVERIFIED. VIOLATING 18 US CODE 1962-1964 15USC1692c 805 ( a ) ( b ) 15USC1692e 807 ( 9-10 ) 15USC1692K 812 ( a ) ( 1 ) 15USC1692e 807 ( 12 ) 15USC1692K 813 ( a ) ( 1 ) NAVIENT HAS NOT RESPONDED TO ANY OF MY LETTERS, XXXX XXXX MAY HAVE SENT ME A LETTER SHOWING ME AN ACCOUNT I HAD WITH ANOTHER COMPANY, I AM UNSURE OF HOW XXXX XXXX AND NAVIENT RECEIVED MY INFORMATION AND WHY THEY ARE USING MY INFORMATION TO EXTORT MONEY FROM ME. I AM UNABLE TO ACCESS MY CREDIT DO TO THESE FRAUDULENT AFFAIRS
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

For many years, I have been paying an extra amount ( {$100.00} I believe ) a month as to pay off my student loans early. Two years ago ( XXXX 2015 ) I was purchasing a home and my lender told me my student loan payments were too high. I called Navient and requested that they return my payments back to the original agreed monthly amount ( $ XXXX ). I was told by the company that this was not possible. The only option they offered was a solution to reduce my payments over the following two years and then increase them. I protested several times and they continued to say that this was the only solution they could offer. My payments have now ballooned to $ XXXX a month. Now that I am aware of the lawsuits against this company I realize I have been defrauded by misinformation. I called them again today and requested that they reset my loan back to the original terms and they refused.
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (HI)

Fay Servicing forced me to obtain hurricane insurance so I ended up back in XX/XX/XXXX. They threatened me with obtaining expensive outside insurance. I cancelled my existing with XXXX XXXX via XXXX XXXX XXXX in XXXX XXXX, Hawaii. 

I signed a policy cancellation in XX/XX/XXXX the company sent a refund of {$920.00} and sent it to XXXX XXXX XX/XX/XXXX. 

I never once received a new policy from Fay Servicing or showing where that refund went and the amount of the policy. I have called numerous times with no success and believe they are crooks and refuse to show me where all the money went. I got a refund from them of {$260.00} because I sold my house in Hawaii which closed on XX/XX/XXXX and I plan to call tomorrow again but do not believe there will be much success. At XXXX years old I have never dealt with such a horrible mortgage company. 

I want a detailed schedule of where all my money went monthly of {$440.00} plus the {$920.00} that I sent them in XX/XX/XXXX. 

I believe that Fay Servicing owes me more money so hopefully you can contact them and get them to give me a detailed listing of where all my money went.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Credit Card has an unpaid account and its ruining my credit. I never knew about the account, I never received a credit card, I never received bills from them, I never knew it existed until I ran my credit. I 've contacted them several times they will not give me the account number they will not let me have the invoices for the charges. I do n't have any credit cards on my report that I 'm not paying on. I certainly would n't have a {$500.00} credit card and not pay on it. But here I am fighting for my credit and they are charging me {$670.00} they closed the account for non-payment because I never knew about it. I just want it deleted from my credit report asap.
Consumer complaint received 2017-08-18
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. (NY)

I was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected
Consumer complaint received 2017-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (NV)

On, or about, XXXX, I applied for a loan for {$500.00} on line from " Big Picture Loans ''. On XXXX they deposited {$800.00} to my checking account. The first payment of {$230.00} was deducted from my account. None of this payment was applied to my account. They claim to charge no hidden fees, this fee was hidden from me. Appearantly their interest rate is approx. 800 %. I was not informed of this interest rate until after the payment posted. I thought an interest rate like this would be illegal. I was never informed that this co. basically opperates outside of XXXX law.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (TX)

**I attempted to add the last four of my SSN for the company to pull my file but, I kept getting an error and it would not allow me to add that information. I am not sure what all information you may need from me so, if more information is needed regarding this situation please email me at, XXXXXXXXXXXX. ** EOS/CCA keeps adding a debt to my name that is not mine and I have previously disputed and removed it from my credit but, they keep forcing it back to my credit causing me problems. A friend XXXX XXXX moved into my apartment in or around XXXX of XXXX and I disconnected my service with XXXX XXXX for my friend to transfer their service ( also with XXXX XXXX ) to my address. Prior to disconnecting the service it must be paid in full so, I paid my bill and cancelled my account. I later opened a new account after my friend moved out and I still currently am a customer with XXXX XXXX on that account so, I obviously was and still am in good standing. In XX/XX/XXXX I saw this collection on my account for {$120.00} from this collection company stating it was an unpaid balance from XXXX XXXX. I asked XXXX XXXX about this and they said they did not know what it was, that I was in good standing, and that I could not have opened a new account if I owed them money so, I disputed with the credit bureau and had it removed. I thought the issue was finally resolved. Now, onXX/XX/XXXX almost a year later, it showed back up on my credit report from EOS/CCA for the same amount and that they are representing XXXX XXXX but, I do not owe any money to XXXX XXXX. My account is in good standing, my previous account was paid in full, and I have not missed or been late on a payment but, this collection company insists I pay them money I do not owe and do not know where it came from. Basically to recap, this company keeps adding this collection account to my credit and ruining my credit. My account with XXXX XXXX was paid in full and closed. When I decided to get cable services again, I opened a new account with XXXX XXXX. When this collection showed up on my credit I asked them how if I owed them money could I open a new account with them to which they replied that, I could n't open an account with them if I owed them money because they run your credit, your social security number, and cross reference their own system every time you start an account with them. If I had owed them any money I would not have been able to open a new account. So, to conclude, I feel like this company is trying to take advantage of me and is holding my credit hostage for a false debt.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmWest Funding Corp. (CA)

I own a XXXX unit rental property in XXXX XXXX California, and recently, I refinance to get a better interest rate. Upon the closing doc I was made aware that my payment would be {$4.00}, XXXX which covers interest and principle, insurance and taxes. 

Then I received my first monthly mortgage payment which is way higher than what I signed at closing and the new amount is now {$5800.00} I have already written to them and am yet to get an answer from them. In that letter I sent, I made them aware that I will continue to pay for what I signed for which is {$4900.00} and not the new amount. 

Name of escrow : KEY ESCROW XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX Fax XXXX XXXX XXXX Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX My Info XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Long Beach CA XXXX XXXX : XXXX XXXX XXXX Cell : XXXX XXXX XXXX Property Financed : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Agent : XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2017-08-18
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: JPMORGAN CHASE & CO. (AZ)

This is a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding chase billing dispute and false statements report to credit bureaus and to CFPB. Chase stated to CFPB THAT my slate account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to XXXX  stating that the slate account could not have been sold to XXXX in XXXX cause on my XXXX report XXXX XX/XX/XXXX the slate account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent chase XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to XXXX that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's Chase Freedom Card but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to Chase where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with disabilities act also. They have sent different letters with different facts that are completely false and they know it
Consumer complaint received 2022-08-05
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. (MS)

I am victim of the data breach and now my rights have been further violated by EQUIFAX due to their submitting false and inaccurate information to lenders. This has adversely impacted my credit worthiness and hinders my natural right to credit. They are falsely reporting late payments and inquiries on my consumer report.

According to 15 USC1681a ( 3 ) EQUIFAX assumed the role in assembling and evaluating my consumer credit. I never consented for them to assume this role and I never instructed them to construct any report and I never consented for EQUIFAX to furnish anything. Pursuant 15 USC 1681b2 EQUIFAX is in violation by not having permissible purpose to do so. EQUIFAX is also in violation of my privacy pursusant 15 USC 1681a ( 4 ).