davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I have sent XXXX letters to Equifax credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified XXXX accounts each time equifax mail me my dispute results alway say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. 
Equifax have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. 

Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( XXXX XXXX XXXX XXXX XXXX seems to be false representations and inclusion of inaccurate information this violating federal laws. 

Equifax is unwilling to verify any of these accounts, then under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply with this XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Each letter I sent had a copy of my SS # and driving license inclosed
Consumer complaint received 2017-04-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (GA)

In   XXXX   I applied for financial aid to attend  XXXX   XXXX  College. I applied for a student loan to cover the total cost of my expenses for the semester. A month and a half into the semester, I received an email stating that I had received too much money from the school. When I emailed  XXXX   XXXX ,  Direct Loan   Financial Aid Specialist, a bout it and asked for proof of why I owed the school, He could not provide me with anything. He wrote me an email, where he spelled my name wrong ( I do n't think it was intended even for me! ), and vaguely stated I owed the school money! Fast forward 4 years later, they have sold that debt to a debt collector nam ed Williams and Fudge to  the tune of {$3000.00}, which is negatively impacting my credit and also have held my grades so that now I 'm not able to continue my academics! When I disputed this account through the credit bureaus, they refused to delete it and sent me a faulty ledger, with dates out of place, and no signatures! I have done the math and It was not proper validation of debt that I owe then anything!
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MS)

On multiple occasions, Navient has not run my bills properly. One example of this being that I was told on XX/XX/2017 that my bill had already been pulled from the Bank. As of XX/XX/2017 there has been nothing pulled from my account. I have tried to figure this out multiple times and they refuse to help. This is after it took them 3 months to notify me that there was a plan I could enroll in to help pay of my student loans. This has happened for both federal and private loans. They are preying on recent college grads who are struggling to survive.
Consumer complaint received 2016-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

As a result of this error, I have 9 late individual marks against my credit score. They only sent one letter for the loan, not 9 notifications for each loan. At the time I was unemployed. If they are marking 9 late payments they should be required to send 9 separate notifications. They do not notify customers that they will have separate negative marks on credit if they do not pay the " one '' bill on time. 
The result of these 9 late marks on my credit have made it very difficult to qualify for housing, utilities, and access to credit. I am enrolled in auto payment and able to pay my loans. 

I was marked late for student loans while enrolled in XXXX. They refused to updated because they need a form from university, previously the university sent a form but since it is not official form, did not have enrollment status, it had the classes I was enrolled in for each semester. I offed to provide them the tax form from the Department of the Treasury ( Internal Revenue Service ) according the the university tells them I am enrolled at least part time for the year. I also offered to provide them my grades. 
Navient makes it extremely difficult for customers to get issue fixed. They email you a form to give to the university to send, but the email does not come for another hours. Then the university requires you to sign a form to let them fill out the form. 
It is a hardship because it requires me to have a printer, scanner and travel to the school to explain what they need to send. Navient offers no good will for people only trying to fix credit, they do not care about customers.
Consumer complaint received 2017-10-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (CT)

In XXXX my daughter, XXXX XXXX XXXX, filed for a student loan from Wells Fargo Financial. She was attending graduate school at XXXX XXXX XXXX in XXXX, AZ. Because she did not have a job, I co-signed on the loan. Since that time she has completed her masters, has a full time job and has been paying on the loan faithfully for the past 6 years. Now that I am XXXX XXXX XXXX, I want to be released from the note. She has submitted 2 separate applications for me to be released but they have denied the requests. When we each called for clarification they have refused to explain why she was denied, insist that we are not entitled to an explanation and there is no one to talk with. They have been rude, dismissive and arrogant.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK (CO)

Commerce bank returned a payment made through billpay on XX/XX/2022 claiming my account never existed using the ID number on the bill. They would assess a late fee and deny I ever sent a payment and insist the late charge stay. They would promise to let me speak to a manager and then hang up on me and not answer any call since that incident. About an hour later Commerce Bank would call me and try to coerce me into paying this illegal late fee and deny that they ever returned a payment once again. I have stated that refusal to accept the balance transfer payment for the balance due minus the illegal charge would be their voluntary forfeiture of the balance and hang up. Commerce Bank has had me blocked from having online access to my account for 2 years because I am XXXX  Responses to this resulted in nothing more then their ban being left and Commerce Bank continuing to send me prewritten instructions on how to set up an online account but kept failing to address why I was blocked from having an online account. This was in retaliation to me winning a fight against their attempt to block a legal name change by simply ignoring it and claiming me changing my name XXXX XXXX affirmation purposes is against their security policy.
Consumer complaint received 2015-05-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

Dear Madams, dear Sirs, I took a loan of {$200.00} with a fee of {$50.00}, in total {$250.00} from castle payday. 
I already paid {$50.00} on XX/XX/2015Yesterday I wanted to pay off the rest of the {$250.00} but was told they do n't take my credit card and I owe {$320.00}. 
When calling collections they told me that every XXXX weeks I will be charged a " Finance fee '', which I heard at that point for the first time. They said they would send an HS form so I can fill in my new bank account info ( I closed mine 1 week ago ), but never received that form. 
I sent XXXX emails to support @ castlepayday.com as advised from their collections department, but have not heard back from them. 

When signing up for my account I asked the representative XXXX if I will not be charged extra if I only pay {$50.00} bi-weekly and he said no, I will only be paying off the amount of {$250.00}. I told him that I could pay the full amount, but he said that wo n't be necessary. 
Last week I checked my balance and called, asked the woman on the phone why the XXXX payment of {$50.00} does not show deducted off my balance and she said : I should not worry cause I would not see that online. 
Believe me if I would have known I would have paid the full amount on XXXX XXXX. 
I want to pay it off and forget the whole nightmare already. 
Please help! 

Thank youXXXX
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WI)

When I have a little extra money I want to apply that extra to one of my loans that has the highest interest rate and the lowest balance. When I made an extra payment instead of putting it towards principle it had advanced my payment due date out so I did n't have to pay on the loan for months. I found out this was happening when I reapplied to the income based repayment program and it was declined. I was told every time I made an extra payment I needed to contact navient and ask them to apply my payment the way I want them too. It was so much hassle to do that and people were getting it wrong and not understanding what I wanted that I gave up. I was able to get that particular loan down to almost {$500.00} and since I gave up on the extra payments it is now around {$800.00}. I set up auto payments because it is too XXXX to look at all the loans. I have way more loans than I should and feel there was something odd going on while in school and it caused me to get more loans than I should have. I started going to The XXXX XXXX XXXX Minnesota, XXXX XXXX online division and the XXXX XXXX online division. I feel the XXXX XXXX kept making loans in my name withought signing anything because I rarely had to agree to new loans and just remember signing stuff when I first started but not after that. All of a sudden I have {$71000.00} I owe and have an XXXX degree.
Consumer complaint received 2017-03-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I have been repaying for years almost XXXX a month. When I call they tell me to do a forbearance and everything I pay never goes to any of the the loan I first took out. In fact the loan amounts are higher. They add the interest to the principal no help from navinet at all. They just tell me to pay more then the min. I have switch to auto debit pay and there is no discount as I was told when I sign up for their autopay. I graduated 2010 and my loan is now higher then what I took out. I have paid them almost XXXX so far for a XXXX loan and I still own them XXXX ...???? I would have been better with a loan shark. On top of that when I was in school the loan I got was not enough to cover everything. I had to get a private loan to cover more or else they would n't let me go to school
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

I have been repaying more each month than is due. However, Navient still attaches late charges to the month that I paid after my due date. Even though my account was paid in advance. They also make impossible to speak to a representative who is within the United States who I can understand. I emailed them and they do not respond.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I have attempted more than  10 times thru the last year to get my credit reports from all   XXXX    credit agencies aND everytime I 'm told there is n't e nough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year thoug h. Get S.S.I disability at this  adress, goverment assistance at this adress, pay bills in my name at this adress, ext ext so there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.
Consumer complaint received 2017-04-03
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Navient Solutions, LLC. (MO)

I attended Missouri College in 2008 for the XXXX. Since I graduated I have yet to find a job in the field. I was mislead by Missouri College because they promised lifetime job placement. I am hesitant to further my education because the credits from Missouri college does not transfer in which they also informed me that they were fully accredited. The XXXX was originally $ XXXX which was overpriced compared to others schools in MO. I have n't been able to repay my students loans since graduation and now my loans have almost doubled. Now the school is closed and I am stuck with paying student loans that I ca n't repay.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (MN)

In the middle of XXXX I placed FREEZES on XXXX, XXXX, XXXX. 

Today I received a notice from EQUIFAX the freeze is not in place and someone is trying to get a credit card. I called both XXXX XXXX XXXX  and Equifax who were absolutely NOT HELPFUL. 

I want the FREEZE in place. 

Thank you, XXXX XXXX
Consumer complaint received 2016-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NM)

I have a loan with Sallie Mae ( XXXX ) that I 've been struggling with for years. I 've been able to make payments again recently but still have a small balance past due as they will no longer grant me forbearance. In addition to calling me and my cosigner at least 7 times per day, they have begun calling family members of mine who are not on any of my loan documents. Specifically, they have begun calling my father 's girlfriend on her private, unlisted home phone. My father did not cosign my loan. He had nothing to do with it. He 's not even on my birth certificate. He lives XXXX miles away. I 'm not sure how they found him or gained access to their private phone number. It 's terrifying. My loan is roughly {$20000.00}. I 'm past due on about {$1000.00} but have been making payments. This is effecting my mental health especially now as they seem to be stalking me and somehow gaining access to my personal information outside of my loan documentation.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have attempted more t han 10 times thru the last year to get my credit reports from all   XXXX    credit agencies aND everytime I 'm told there is n't enough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year though. Get S.S.I disability at this adress, goverment assistance at this adress, pay bills in my name at this adress, ext ext s o there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.
Consumer complaint received 2017-12-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

I was a resident at XXXX XXXX XXXX Apartment Complex in  XXXX, TX. 

I was planning on moving out within the next 3-4 months and my lease was ending in 30 days. The leasing office advised me that it would be more economical if I renewed my lease to keep the 12 month rate, as opposed to month to month and I given I provided notice I would not be hit with any move out fee 's or the like. 

When I moved out, I was charged 2 months rent and it was pushed to collections. The lady working in the leasing office was new at the time and advised me incorrectly. As a result, I 've had to suffer with a collections balance from Hunter Warfield. 

They call my phone constantly despite telling them I am not going to pay and to take me off of their list. I blocked their number but they keep calling on other numbers. 

I have never had any issue with collections besides this bill. I 've always remained in good standing and have been issued credit cards from all the major banks, without defaulting on any payment.
Consumer complaint received 2017-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

Both my husband and i went to ace express, inc. # XXXX at XXXX XXXX XXXX XXXX, XXXX ohio XXXX, XXXX XXXX XXXX XXXX on tues XXXX XXXX to make an interset payment on our payday loan. we were informed that the interst payment had doubled. I paid my {$21.00} and was told that my interest payment went from {$21.00} to {$33.00}, my husband was told that his would be doubled from {$50.00} to and extra {$50.00} to make his interest payment {$100.00} a month. If we already have a payday loan and paying on it how can they raise the interest payment higher untell we pay it off. We can understand if we paid the loan off and reloaned. next month my loan will be paid off but there is no way im paying the extra {$33.00} with the {$100.00} i borrowed. It should be only {$120.00} not the {$130.00}. My husband will be paying an extra {$100.00} on his loan before he pays it off in full. With this comp when you get a payday loan you pay 4 interset payments before you pay the loan off that is how it has been for the past 2 or 3 yrs. If they are raising the interest payments they should wait till we pay our loan off and ask us if we are reloaning, if we are reloaning then they can inform us that the interset payment will double, if i had knowen it on the 3rd i would have paid mine off in full the {$120.00}.
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. (TN)

I have two student loans, one is with Dept. of Ed. and the other is serviced by NAVIANT. When I asked Naviant if I could consolidate my two loans I was given a run-around no one could understand. I gave up. I also do n't know if my payments are being credited in a timely manner, I would have no way of knowing.
Consumer complaint received 2017-02-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. ()

I have communicated with the organization, Pioneer Credit Recovery, in XX/XX/XXXX regarding an alleged debt. This was immediately after a 3rd party contact they had made. I requested that they discontinue contacting 3rd parties and I provided my all of my current contact information and requested that communication continue via mail. In XX/XX/XXXX, they once again contacted a 3rd party contact even though I had contacted previously and provided all relevant information and instructions.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

In the beginning of re-payment, payments were misapplied. Co-signer was harassed with 30+ calls a day. It took at least 5 phone calls to several different people for them to figure out it was there issue. Two years later, I 've never missed a payment and asked for a 6 month deferment due to attending the XXXX and was told " NO, get you cosigner to pay it ''.
Consumer complaint received 2017-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Navient has been allocating my auto-payment incorrectly- skipping payments on the Principal for XXXX loan with the highest interest rate every month. Also in payments made by mail with specific instructions on a separate letter in the same envelope, they have failed to allocate the payment according to the instructions, which were to apply the full amount of the loan to the Principal only of a certain loan. They took part of the payment toward the interest. Navient also makes it exceedingly difficult to gain information or support for paying the loans in the fastest and most efficient way possible. There is no way to allocate extra payments online to only the Principal, no way to increase the amount of auto-payment, etc. I am highly dissatisfied at the service for taking advantage of me as a student who needed to take out loans in order to pay for education- they are irresponsibly handling payments and making people suffer / pay more than is necessary, and hold people in debt for longer than is necessary.