davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

After I graduated from XXXX ( which also lied to me about the whole process of the loans ) I was given a suppose 6 month free period but the interest was still going thru that time period. I had reduced my XXXX debt down to XXXX after graduating thru means of grants and such for good grades and now that I have this diploma that does not even work since XXXX was a fraud and I 'm stuck here with the debt I was baited into and I just feel cheated and Navient will not work with me to maintain my payments at a recent amount, my options are pay over XXXX dollars a month, get a deferment which would just increase my loan or not pay at all and get harassed by them daily. Just seems like no one is there to help me after graduating, I 'm just a customer number to them that they want to extract money from. Perhaps talking about XXXX in this complaint about Navient ( XXXX XXXX ) but I just feel cheated by both companies, I can not attend school anymore with a loan because of it and I can not use the diploma either, it is just a piece of paper now.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

Sallie Mae was the original loan source until they changed their name to XXXX. I called and asked for help repeatedly and I was never offered help until they sold my loan to collections, which we all know is still Sallie Mae, but they charged exorbinant amounts of interest on top of my already 16 % rate. When I graduated they wanted me to make a payment of over a {$1000.00} a month. Not to mention the fact I could not find a job as my school falsely advertised I would making what thwy said I would. I was taken advantage of and did not have the priviledge of informed and involved parents to tell me this school was a bad idea. My original loan was near XXXX which has ballooned to well over XXXX. Not to mention the hundreds of thousands of harrassing phone calls every single day. Even Sunday. No day is sacred. Even after XXXX. I wanted a better future and now I am strapped with a loan I will never be able to pay until the day I die, then it will be erased. Unless I get a loan modification it is utterly hopeless and now my credit is destroyed because of this loan shark.
Consumer complaint received 2017-01-19
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: IQOR US INC (CA)

First issue is this company used multiple numbers without caller ID in attempt to find me Calls from XXXX ( Arizona ), XXXX ( ohio ), XXXX ( Texas ), XXXX Minnesota. 

Then when they did they identified themselves as debt collectors. My statement was Affordable care act said it would be 10 % of Student debt - I was told the first time it was more like 15 %. 

Next time i was contacted the person tried to verbally guilt me into giving them my debit card and make a payment on the spot ( without any documentation or anything to say who this company is ) I suspected a scam artist at the works and yes they are. I was transfered to a supervisor who wanted my email so she could email the information. 

I asked for a hard copy I want all documentation on what you have. The company printed the email. Then sent me a loan application for consolidation with an expired date from the date they mailed. never saying clearly what interest rate they are offering. Shady business for sure ( I had to ask for hard proof multiple times to the supervisor proving who they are ) Under my present loan I am at 3 % and another and 3.5 - They want me to agree to their terms and raise it to 15 but be on the loan rehabilitation program. Did I get anything that said the interest rate offered? NOPE. They will not give it. 

I had to log into student loans and check the debt myself - which actually thier numbers does not match Student loan debt. 

I am one of these people I need to read over with a highlighter and see what actually pertains to me. There is a small print in my laon that says i have the right to consolidation with a mean inbetween the 2 interest rates. They did not follow any of that.
Consumer complaint received 2016-08-17
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (FL)

They are calling at least 10 times a day every single day.Probably even more often. They call every hour. They used to call from the same phone number but started calling using numbers from different states : like XXXX or XXXX etc. It is the same lady calling though and the only message she leaves is " XXXX, Hello. Hello, XXXX. XXXX, heeeeloooo ''. Every. Single. Message. Does not leave her name or her company name or why she is calling. I had to call back a couple of the numbers she called from, and all said Allied Interstate collection company. I only got XXXX written communication from them on XXXX XXXX, 2016. I called them back and told them I already had a payment plan set up with credit card company itself. They ignored me and continued calling and harassing me.
Consumer complaint received 2017-04-30
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: Experian Information Solutions Inc. (TN)

XXXX   XXXX  offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither  XXXX   XXXX  nor the  3  credit bureaus (  XXXX ,  XXXX , and Experian  )  will honor removing the inquiries even though I was solicited by   XXXX   XXXX  . The  FACTS stat es inquiries can only be pulled under certain conditions and " firm '' offers are  one  of those conditions. Here is a reference to the code under ( c ) (  1  ) ( B ) ( I )  : 15 U.S. Code 1681b -  Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agenc y may  furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) (  3  ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ;  ( ii  ) the consumer reporting agency has complied with subsection ( e ) ;  ( iii ) th ere is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and  ( iv )  the consumer report does not contain a date of birth that shows that the consumer has not attained the age of  XXXX , or, if the date of birth on the consumer report shows that the consumer has not attained the age of  XXXX , such consumer consents to the consumer reporting agency to such furnishing.
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. (MI)

At this point in my life I am realizing that I will never in this lifetime be able to pay off my student loans. There is no exit strategy or repayment option that will ever work. Furthermore after years media coverage on the issue, I am realizing that I have been steered in the wrong direction several times by the loan company. They have almost forced me into categories several times being forbearance or payment plans. My best interests were never a concern, it was always about them. I know I am just one of many situations like this. They have never been clear about their policies nor have they communicated any real options in the past. Had I known of certain options previously, my loan situation may very well be different today. It is a trap set up for young people trying to make a future ... too bad its a future of paying off debt to the mob that is loan companies.
Consumer complaint received 2016-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I received an email from Navient Loan Servicing on XXXX/XXXX/16 about placing my delinquent loan into a 2 month forbearance plan and they only thing I needed to due to accept the offer was to reply " yes ''. I replied yes on XXXX/XXXX/16 and assumed my loan was in deferment. I received another email to say my loan was in default and past due for XXXX payments. Once I contacted Navient I was first told that they did not see where the email was sent out to me but then was told they see where something was sent out and I replied on XXXX/XXXX/16 but there system did n't recognize my responds and they deferment was not placed on my loan.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability XXXX {$0.00}
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Hunter Warfield. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
Consumer complaint received 2023-03-23
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. (NJ)

This Account on my credit report is frauds and should not be on my report. A car was financed in my name fraudulently and was not authorized by me I was a victim of the XXXX  Equifax data breach and my identity has been stolen and used back in XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Prospect Mortgage, LLC (NY)

I obtained a XXXX Mortgage from Prospect Mortgage in XXXX thatincluded 3 months of mortgage payments. Prospect transferred my loanto XXXX who did not apply those payments so that when I made mypayment in XX/XX/XXXX they returned the payment saying I wasin default for not paying the first 3 months. I called Prospect and was toldthey no longer service my loan and referred me back to XXXX. I wentback and forth like that until I hired an attorney to assist me in XX/XX/XXXXto see if I could get a Making The Home Affordable Modification. Aftermy attorney did research it was found out that XXXX failed to applymy 3 month payment that was sent to them from Prospect Mortgage andthus made it seem like I did not make the first 4 contractual paymentsunder FHA. As the loan was a gut rehab XXXX loan with $ XXXX towardsthe work to be completed I could not live in the home until the house wasat least habitable ( with working toilet, kitchen and bedroom ). Prospectdue to XXXX 's negligence in handling my payments was informed ofthe forced delinquency and then refused to pay my contractors. So Ithen had to come out of pocket to pay them for the work they had done. 
XXXX stated they could n't give me a Modification because they didn'tfind evidence of my first 4 contractual payments which would have beenthe case had they appropriately applied my 3 month mortgage escrowand my XX/XX/XXXX payment which they returned. When evidence of thenegligence on XXXX 's part was presented their next argument wasthat I did n't live in the home. Which did not have any working plumbingnor was habitable due to their incorrect classification of me as a delinquentborrower. Prospect Mortgage has not released any money since XX/XX/XXXXfor work repairs. I need to have my home complete before the end of yearas I need to put in my boiler for the winter.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

I have called and tried to lower my payments or find ways to help me because I wanted to try and make payments. Their concern was about pay due owed and if they did offer to help I had to pay something which I did n't have.
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I had a check deposited into my Venmo account and I haven't been able to use or access any of the funds. They wanted ID and social verification and I sent that to them twice and still haven't been able to access the XXXX $ that are in this account.
Consumer complaint received 2016-10-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Navient Solutions, LLC. (CA)

A person took out a student loan in my name. This is fraudulent activity. Below is the letter I am sending today : XXXX XXXX, 2016 Navient Attn : Fraud Department XXXX. XXXX XXXX XXXXXXXX XXXX RE : XXXX XXXX Fraudulent Activity Against Me by Navient Dear Fraud Department : Today I was contacted by a Navient representative regarding Account # XXXX with an address as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never lived at this address nor do I know anyone who lives at this address. Remove me immediately from this fraudulent loan. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (OH)

XXXX UniversityXXXX XXXX, OHLender is Navient ( formerly XXXX XXXX ) I have been fighting for 9 years about a loan because I was not aware of any students loans being private loans. When I was in school, I only used FAFSA and I used loans from XXXX XXXX and XXXX. I was not notified that these were private loans. In fact, all of my loans had to be cosigned because I had no credit. I spoke with them many many times about this loan and explained that I did not request private loans ever. In 2011, my parents filed for bankruptcy and all of the loans that were cosigned by them, were dismissed in their bankruptcy. I no longer have XXXX loans on my credit because of this. Unknowingly, XXXX more loans appeared on my credit and my mom 's credit recently. When we talked to them about it, Navient told us that they were cosigned by my stepdad, who is deceased, and that they have always been loans with them. To my knowledge, these XXXX loans were not my loans nor were they loans my stepdad cosigned for because they would have been put into his bankruptcy and discharged along with the XXXX loans. These loans are now hurting my credit because I ca n't pay them back. I am a XXXX Veteran and am on a fixed budget. My federal loans have been discharged due to my XXXX and I can not get Navient to forgive these loans. They have continued to rack up interest and shows past due because they will not fix it. According to my report, Navient has reported that the loans have been written off or charged off as bad debt but yet the interest continues to rise and past due amount continues to rise.
Consumer complaint received 2017-02-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CO)

I was contacted by Navient a month ago and told my loan payments were in default and I needed to pay {$1000.00}. I told the woman on the phone that I had not received anything from them previously. When she gave me the contact information they had on file, it was an address that I had n't lived at in over 10 years. I said I did n't have that kind of money sitting around and I felt that I should 've known about the payments before they were late. She then became threatening about my credit and disregarded the fact they had the wrong contact information. My husband was in the XXXX and the address they had was our duty station in XXXX. He was XXXX XXXX and we now live in XXXX. We had to file bankruptcy and I did not know I had a payment due.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

Hunter Warfield has be unable to provide proper documentation validating this account. 
I am seeking immediate action and for them to remove this inaccurate and negative information permanently from my credit report. I have asked for the company to send me verification of my original lease and all I have received is a copy of a lease without signatures from XX/XX/XXXX-XX/XX/XXXX. I have sent Validation Letters on XX/XX/XXXX ; and XX/XX/XXXX for this company to provide proper validation and I have yet received a response. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge PIte Haan, LLP (FL)

I received at letter from A.P.H LLP 0n XX/XX/2017 informing me that they represent XXXX XXXX XXXX for a debt 0f $ XXXX.I never have acct, loan or credit car from XXXX XXXX XXXX
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc. (CA)

I received a notice from Credit Bureau Associates ( CBA ) on XXXX XXXX, 2015 regarding a debt that is not mine ( {$3000.00} ). I checked my credit score, and it already had shown the negative mark for this debt. This is the first time I had heard of the debt. The debt is not mine, and I had no knowledge of the debt or the service prior to the letter from CBA. The letter references a XXXX XXXX, in XXXX CA, which I had never heard of. I first called the Federal Trade Commission ( FTC ) to find out what to do. They said to dispute the debt, and that the company would have to produce evidence within 5 days, or I could file a complaint. I called CBA on XXXX XXXX, and no one answered, so I left a message, with details and disputed the debt. XXXX XXXX ( from XXXX ) returned by call on XXXX XXXX, at approximately XXXX ( the call was recorded by CBA ). I confirmed my dispute of the debt, and requested their evidence. XXXX said that their evidence was from DMV, and that it would be sent to me within 5-10 business days. I told her that I expected it in 5 days, because that is what I understood to be the law. I confirmed my current address and phone number to CBA on that call. Since that time I have received, or heard, nothing from CBA. I sent a letter to CBA on XXXX/XXXX/15 describing the above, and again requesting evidence of the debt. 
I also called XXXX XXXX, in XXXX CA, on XXXX XXXX, regarding this notice. They said that they had sent all of their files regarding this account to CBA, and that they would call CBA on the same day and get back to me. They said that it would be faster for them to contact CBA, and hear back, then it would be for me. They said that their evidence was from DMV that I owned an XXXX Suzuki motorcycle that they had towed and still had in their possession. I have never owned an XXXX Suzuki motorcycle, never had a motorcycle towed, and never heard of their company, and I told them that. I called XXXX XXXX two days later to follow up. I never heard back from XXXX XXXX either. I sent them a letter on XXXX/XXXX/15, describing the above, and disputing the debt and requesting evidence.
Consumer complaint received 2017-02-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focus Holding Company (SC)

There was a claim issued against my State Department of revenue by a debt collection agency for a medical bill that exceeded the statue of limitations in my state of south Carolina. According to SCCLA XXXX it is 3 years. Secondly there was not proper notice of such claim provided to me by this agency or the original debtor which would have afforded me the opportunity to dispute such claims according to SECTION XXXX of South Carolina laws.
Consumer complaint received 2016-01-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

My loan service company Navient agreed to lower payment based on my income XXXX 2015. I was forced to agree to their terms over voice recording and was not allowed any other method. I then asked for documentation of the agreement so I have proof of this agreement. After 4 months of calls and emails I only now received a letter and it states ab agreement to higher payments I never agreed to. When I requested the audio, I was told I need a court order.