davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I contacted navient several times over the last two years advising that due to medical reason, XXXX in 2015, that I was not able to make my loan payments because I was XXXX and due to hospitalizations, my income was lower. I was advised to take forbearance for those times which I did, not knowing I could have entered into an income based plan. Also, I received a notice from navient of a forbearance period for a natural disaster in my area, but I never requested that. I was shocked when I received the letter. I attempted to contact navient but never received an answer. Finally, navient could not have made it more difficult to enter into an income based repayment plan. The website where you are supposed to upload the application and tax returns for proof of income states that the application is too large to accept ... .its their application. And would not accept tax documents. Took days, numerous phone calls to get a fax number to send documents. Then I was told to pay {$50.00} as a good faith showing so they would not put me into default while my application was pending bc they were n't sure they would have application complete within XXXX 30 days I had before going into default. I did finally receive notice of the I come based repayment plan. However, I am concerned about the forbearance done without my request or permission and the 2 years I could have been on a repayment plan.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Requested to have my school loan income lowered based on my income. I make XXXX $ an hour and can not afford XXXX $ monthly. My school loan was in forbearance for 2 yrs because I could not afford payments on a single income living in the XXXX XXXX area.. 
Naviant denied my request saying my income was to high. 
I had read about Naviant just minutes before calling them about how the deny rights for income driven repayment and lawsuits pending against them. When I called them they kept trying to deny my request for lower repayment until I brought up the lawsuits and the rights they are denying. They now are saying they will lower my payment to XXXX $ for two years and will increase after. In which I can reapply to have them lowered again.
Consumer complaint received 2017-03-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I was living with my brother when his house caught fire in XXXX. I went to the hospital for treatment. XXXX told me they would provide me with housing, my medical bills would be paid and I would get paid for all my belongings lost in the fire. As of today I have not received anything. It came to my attention that a check was issued for me. XXXX cut a check made out to my brother and his wife, ( they were divorced XX/XX/XXXX ). My brothers wife endorsed the check, deposited it, and took the money for herself. My brother never endorsed the check or saw the money that XXXX said was intended for me. This incident was reported to the XXXX on XX/XX/XXXX.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Experian has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Experian as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Experian has continued to report this along with a civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Experian but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Experian credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which experian has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both mentally and financially.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: College Assist (CA)

My student loan has been transferred to various lenders. I have been trying to find out the history of where my loans ordinated, and who " touched '' it along the process. For over 5 years I have had collection companies call me wanting me to aggressively pay the debt or go into a rehabilitation program and could have 5 dollar monthly payments, yet they will tack on additional 3 grand for their fees. So I 'm in debit and can only pay 5 a month, yet they get to add on 3 grand more. Most recently I have been dealing with XXXX/College Assist. Here are my complaints and have audio phone calls to support my claims. 
Companies miss represented themselves to me throughout the process. 
College AssistXXXX would never allow me to talk directly to them. 
I asked multiple times for information of my loan about where was it, who had it or even give me a financial balance statement since its conception. 
Company sent me financial document via email to me that was not mine, which causes concern of credibility and I believe it violates Electronic Communication Act of 1986 ( ECP ) 18 U.S.C. 2510-22 This last Credit Recovery Company XXXX in XXXX states they are a Government Acency, but they are a Credit Collection Company. Not part of the USA Government. 
As a result of College Assist/XXXX practices, I have accrued over {$1800.00} in extra interest and {$2800.00} in recovery fees. 
One credit company XXXX XXXX did not respond to my letter stating that I disputed the claim and XXXX failed to respond and " sat '' on my loan for over 12 months. 
There are many other deceptive practices that have happened. 
I do have recorded phone calls with these various credit collection companies to document their false claims and deceptive practices. 
I am in the process of hiring a transcriber for these calls. For presentation in my case. 
I also have other written communications to Credit Companies and they failed to respond or act on my inquiries Federal Student Aid website says College Assist owns my loan. They are then acting With XXXX ... but XXXX has turned over the loan collection to XXXX. See above complaint. XXXX has totally violated my rights. 

Lastly..I looked at my credit report and shows XXXX Student Loan has been reporting to the credit since XX/XX/XXXX as negative. So who is this company now??? 

Now do you see why I have n't been able to get any reliable information and support to rectify my student loan delema? 

Who really owns my loan???? 
XXXX College Assist XXXX Since XX/XX/XXXX my loan went from XXXX to now XXXX!!!!!! 

PLEASE HELP ... ..PLEASE HELP ... .WHAT AM I TO DO??? 
College AssistXXXX has started the Garnishment process ... ..
Consumer complaint received 2022-08-25
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. (FL)

I have attached a highlighted picture of an account that is reporting to my 3 credit bureaus incorrectly. Almost every single line is different on each bureau and this is a huge violation of the FCRA. I have highlighted all of the discrepancies
Consumer complaint received 2022-10-01
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX : {$1100.00}
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

I called Navient on XX/XX/2017 to advise that I had lost my job and wanted some options for repayment. They offered to put me into forbearance for 2 months, which they only did for one. I have another Federal Student Loan that is handled by My XXXX and I made the same call to them, and their representative XXXX told me about the Income-Driven Repayment plan and sent me the application and talked me through all of the steps and benefits. XXXX also talked me through the Public Service Forgiveness Program, which I greatly appreciated and he spent over 30 minutes on the phone with me. Further, XXXX explained that I could benefit by consolidating my loans, and also that if I did so I could choose a loan servicer. These were all things I did not know about. 

I called Navient back on XX/XX/2017 and their representative, XXXX, talked down the Income-Driven program and tried to steer me away from it and was not helpful. Additionally, she denied that Navient had only given me one month of forbearance, and while we were on the phone she corrected it to two months, as evidenced by the emails and updates I received while we were talking. I was not offered any helpful information about the Income-Driven payment option ; rather, XXXX told me that my monthly payment would INCREASE by {$1.00} per month if I went into that program. I felt like I was being bamboozled, as XXXX also appeared to try to discourage me from using the Public Service Forgiveness Program. I am currently working to consolidate my loans and will choose My XXXX to service it, despite the fact that the interest rate is a bit higher, but Navient should be called out on how they handle customers.
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

The original dispute was filed years ago. As I have matured and become more aware of my rights regarding the FCRA, I 've realized how long and how egregious Equifax 's error has impacted me. I have been patient and this is my XXXX complaint against Equifax with CFPB. Equifax keeps making a false claim that they have either corrected the information or that it does n't appear. They have deleted the XXXX XXXX bills that appeared in error. They have not corrected the Student Loan accounts that appear inaccurately. In fact, they report duplicative records of the same student loans and have re-aged these accounts extending the time they have appeared on my credit report. These loans were incurred during my XXXX and XXXX studies ending in XXXX 2002. My student loans have remained in deferment, and even during a period of consolidation and being assigned to XXXX XXXX, for reasons permitted by the US Dept of Education.
Consumer complaint received 2017-01-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IN)

I took out private student loans from XXXX, now Navient, and have been paying them off while I completed my XXXX and XXXX degrees. I have never been late for a payment and have even paid double what was owed several times in the past although not lately. Over the years my monthly payment would increase by a few dollars at a time, but then in XX/XX/2016 my payment tripled. In order to be able to qualify for a more manageable payment amount, I applied to release my cosigner of the loan. I met every single requirement that was listed on Navient 's website and provided them with every document needed in order to do so, but when I called Navient a few weeks later, I was told that they found something in my credit report that disqualified me. They never specified what they found in my credit report and certainly did not list credit status as a qualification for the release of aforementioned cosigner. I would have never entered into such a one sided agreement where the rules are arbitrarily dictated by the lender.
Consumer complaint received 2017-01-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (FL)

After my uncle was put in the XXXX I found out he had n't paid land taxes since 2012 and the tax commissioner was going to auction my family heirs property to settle the debt. I was told by ebay customer services reps and mangers that I had completed all the requirements necessary for my funds, to not be held after a sale. I listed my tractor for sale on ebay, and a buyer contacted me from XXXX. I live in XXXX and we both agreed to meet in XXXX at my property for him to check out the tractor. We agreed upon a price and he submitted a offer while we were in XXXX and I accepted while we were there. He paid on the spot thru Paypal and now eBay is holding my money saying I only have XXXX transactions. According to their rules it does n't say XXXX transaction in a 12 month period it says XXXX transactions which I have. 

XXXX XXXX law states that proceeds received from the sale of payment instruments or money transmission net of fees charged and retained by the authorized agent shall be remitted to the licensee or the licensee 's depository financial institution by such means as the licensee shall require within five ( 5 ) business days from the date of the sale or issuance of payment instruments unless more frequent remittance is required by the Department or the licensee. 

The buyer has the tractor, and has left positive feedback and has called ebay on my behalf to pay me. ebay and paypal is just making money off of my money.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I disputed account with Experian and XXXX that were reporting incorrectly. Accounts that were not mine. XXXX deleted the accounts. Experian has refused to even acknowledge the accounts were disputed as attached will show in the comments section that there is nothing listed. Ad part of the FCRA it is my understanding that it should show the account is in dispute. The Attachments I am submitting will show the accounts. Hopefully they will do their job and remove the accounts just as transunion and others have because they do NOT belong on MY report. Thanks!
Consumer complaint received 2015-07-02
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I leased my car with XXXX XXXX.  I gave them a 
check for $XXXX for down payment of a new car.  I was called in their
office and they changed the terms on me.  In addition, I found out from
KIA FINANACE that I was over billed for $XXXX.  I put a stop payment
on the check immediately. I went back and forth
with the dealership to try to resolve this matter.  I got the run around.  It 
took several months after calling their corporate office and complaining 
to KIA headquarters.  I have paid this debt and they have reported to the 
credit report agencies.  It was their lack of integrity and unwillingness to
resolve this issue in a timely manner after also jacking up my 
monthly payment by having me re-sign new papers.
Consumer complaint received 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (OK)

They place repeated robo-dialed calls to my cellular telephone, sometimes as many as XXXX in one day. Each time I answer, the computer voice asks me to hold while it connects me to an agent. The dates and times of the calls are:
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (IL)

After several attempts of trying to remove a debt on my report that did n't belong to me, I agreed to pay off the debt at a reduced rate. I was told that it would be removed off my credit within XXXX days and it was n't removed. It does say XXXX balance but it 's listed as a collection. I called the agency and they told me to call the credit bureau. Should n't it be the collection agency who should contact the credit bureau?
Consumer complaint received 2017-03-23
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I purchased XXXX XXXX {$100.00} giftcard back in XXXX from paypal_digital_gifts for {$85.00} each. 

I use one of the giftcard ending XXXX back in XX/XX/XXXX for about {$10.00} and I also used it for {$8.00} in XX/XX/XXXX. I should have total left of {$80.00}. However, I found out today XX/XX/XXXX mysteriously that I have {$0.00} left. 

The other XXXX XXXX giftcard should still have {$100.00} each. One ending in XXXX. Another one ending in XXXX. They are both now showing {$0.00} as well. 

I have total of XXXX XXXX giftcard that I purchased back in XX/XX/XXXX for {$85.00} each which total to {$250.00} in my out of pocket that should worth {$300.00} in XXXX gift card minus spending of {$19.00} which equal to {$280.00} total giftcard value. 

I recently learned that there have been a data breach on gift card certificates purchased from Paypal Digital Gifts. XXXX They are not admitting this incident and prefer to hide it from the customer.