davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CO)

Experian keeps putting unwarranted and unauthorized Extended Fraud Alerts on my credit file because I keep challenging their reporting of inaccurate items. They are doing this to simply discourage me or make me angry. They have done this now twice within the last month after I told them to stop. They are in violation of the FCRA by not addressing my concerns on my credit file. Instead they want to put fraud alerts on my file to get out of removing items. Not once have I asked them to do this. Not once have I disputed an item rather I have asked them to provide verification based on Section 609 of the FCRA for items that I believe to be inaccurate and they refuse to do so. I am requesting that they remove the Fraud Alert and Stop putting them on my file unless I notify them by writing to do so. These guys need to be fined as they are not obeying the law.
Consumer complaint received 2017-09-09
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. (IA)

Equifax, one of the three main credit reporting agencies in the United States, has reason to believe that my personal information, including date of birth, Social Security Number, and other personal, sensitive information, was accessed without my consent due to a security breach. Myself, along with hundreds of millions of other consumers have had their information stolen from one of the nations, to-be-trusted agencies, responsible for accessing and storing this information. 

Please ensure that ALL those affected, including myself, are protected from this point foward, by ensuring Equifax will not have a breach of this size again. CFPB, please help America with this breach, and ensure all consumers that this will not happen again. Furthermore, ensure that Equifax will reasonably and realistically compensate those who were affected in this breach.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

I earned an XXXX Award through service with XXXX for XXXX. The education award was for roughly {$9400.00} and I decided to put it towards loans I took out to earn my XXXX XXXX XXXX. These loans had a higher interest rate, and were taken out through Fedloan. I applied the XXXX award in XXXX XXXX. All the National Trust does with XXXX is send the money to the loan provider, in this case, Fedloan. My online account balance, though, never changed with this payment. It was at about {$11000.00}, and did n't change. Even when I did smaller payments since then, the balance never changed. I was NEVER asked by fedloan how I wanted that money dispersed. I assumed that if I gave them {$9000.00} the balance would then go to roughly {$2000.00}. If I give them my money, it should be used. 

But, I have learned that Fedloan is using this {$9000.00} payment as a " fund '' to take from each month for my monthly payments. When they would send me a " monthly bill '', the statement would read " {$0.00} due ''. Each month this would appear since I submitted the education award. 

When I called fedloan, they notified me that the loan would be in use until XXXX XXXX. So, instead of using money I have given them to pay off the majority of the loan, I am being almost trapped into a consumer relatioship where my money is used to keep me there and garner more interest each month. 

When I asked them to resubmit the payment, they said that they could but it would then put my loan in " delinquent status '' since I personally did n't make individual payments on the account since XXXX, XXXX. I was n't able to make the payments, since each account statement said " {$0.00} balance due ''. 

I feel very conned by this organization. I already paid {$1800.00} in taxes on this education award, as it is considered untaxed income. Now, it 's being used against me to keep me as a consumer with Fedloan for as long as possible. I was n't given a choice for how my money would be applied, nor was i notified.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

My name is XXXX XXXX. I sadly got a loan for schooling through XXXX XXXX which is Navient. I called more then once to get a lower payment on my student loans and they say that there is nothing I can do about it. I try to pay it but I simply can not pay on my salary. Every time I call to ask, they say I should just do a forbearance. I do not want to keep doing a forbearance. I want a reasonable payment. I beg this is all I want. It 's hurt my credit enough. I 'm now going through struggles finding housing because it has impacted my credit so much. Please. Help.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NY)

I have a Mortgage Loan serviced by " Selene Finance ''. I tried for about XXXX Years to get a HAMP Loan Modification. The Loan changed hands of Servicers but my application was declined multiple times. 
I was so frustrated with the process that finally I applied for a Short Sale in XXXX XXXX. This process went on for over a year .In fact the Buyer Offered more than a full offer but they declined the Offer. The Loan outstanding is about $ XXXX. The Buyer progressively increased the offer and his final ALL CASH Offer was $ XXXX. But demanding $ XXXX, Selene Finance declined the Offer, strangely Now, they have scheduled an Auction of my Property on XXXX XXXX, XXXX. I am left with no option but to re-instate the Loan or lose my house in Auction. I got their re-instatement quote of {$220000.00}, only yesterday, although I have been following up through my XXXX XXXX for about a month now. 
I am working very hard to arrange this sum. As it is a very large sum of money, I request your good selves to arrange to postpone the Auction by 1 more month, so that I can arrange this money.
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Collection Bureau of America Ltd. (PA)

The debt collector is attempting to collect a debt thats already expired under Pennsylvania Statute of Limitations therefore in violation of the Fair Debt Collection Practices Act. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). The debt collector was advised but yet still continue to violate state and federal collection laws therefore should be fined to the full extent.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

Citibank ran a promotion whereby a consumer opening a new account by a certain date would receive {$400.00} after 3 months of maintaining a balance of over {$15000.00}. I opened such an account on XXXX XXXX, met the requirement, but failed to receive a bonus. Upon inquiring, I was told that I would have to wait for up to 90 days for a resolution. In the meantime, I was told that I can not close the account, and if I withdraw funds, I would be subject to monthly fees. This is fraudulent behavior, requiring me to keep my funds in the account for an arbitrarily long period of time. Now I face the choice of foregoing the promised {$400.00}, extending my account duration by 5 months later than initially outlined ( it has already been 2 months since I fulfilled the requirement ), or paying monthly fees to Citibank for 3 months if I take my money elsewhere while the institution " investigates. ''
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2017 I deposited {$7500.00} check to Wells Fargo ( check was from my XXXX account ). Deposit receipt ( attached ) clearly stated that all the money was to be available the next day - XX/XX/2017. Relying on this information, I made a large payment as of XX/XX/2017 ( from Wells Fargo to XXXX ) ). The next morning I saw my {$7500.00} withdrawn already from XXXX ( copy of cashed check attached ) but deposit was placed on hold until XX/XX/2017 in Wells Fargo ( due to need of verification - as explained to me ). I went to the branch where I deposited ( with copy of my cashed check in hands ) - they directed me to call the main number to release this hold. I was on the phone then with XXXX people ( customer rep and from Consumer department ; offered be on line while they verify with XXXX if needed ) - was told to go to the branch where I had initially opened the account and ask the branch manager to remove the hold. I went there - the manager was not there, nobody else could remove the hold ( no guaranty that the manager would either ). In the meanwhile, my balance became negative from payment that I have made relying on this availability. As a result of the broken written promise of funds availability, I had to waste significant part of my work day trying to resolve the issue and had to borrow funds in cash to cover negativity on the account. Basically, Wells Fargo was holding my {$7500.00} ( already taken from my other account ) for nine days - free of charge and contrary to the availability indicated on the receipt. Pure deception and disregard to customers.
Consumer complaint received 2017-01-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (FL)

This debt was disputed with all XXXX credit bureaus on XXXX/XXXX/2016 based on the finding " I had no knowledge of the debt ''. All XXXX bureaus updated the accounts as " verified and belonging to me '' also instructing me to contact the creditor if I needed additional information. As instructed I requested validation from Monroe which was received by them on XXXX/XXXX/2016 per certified mail receipt, the company never responded. an additional request was mailed as they received on XXXX/XXXX/2016 per certified mail receipt. As of date not only has Monroe ignored my request to verify the debt belong to me they are reporting conflicting information. Originally the account was reported to bureaus as being opened on XXXX which was then changed to XXXX. They also report to XXXX bureau as a " chargeoff '' where the other account " reports paid on time and in full every month '' but also states the status as a chargeoff with a past due amount and a payment never received. As I have been a past victim of identity theft I have demanded that this company verify the debt belongs to me with my signature as well as verify additional information required by the Fair Credit Reporting Act and they have failed to do so.As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax is reporting the following liens on my credit. I have settled my portion of the liens and therefore they should be removed File Date : XXXX Amount : {$74000.00} Docket # : XXXX File Date:XXXX Amount : {$23000.00} Docket # : XXXX File Date : XXXX Amount : {$5100.00} Docket # : XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

This is n't a personal issue. It 's more of a public sustainability issue because Navient acts irresponsibly towards prospective, current, and XXXX students who have student loans with them. I 've been repaying their loans since I 've graduated and I 'm currently on a five-tiered repayment schedule. My family and I 's financial situation is much different than it was when I initially went to school, so I 've been periodically trying to find out how to change my payment plan to a fixed rate. It bears the least interest payments ( which is revenue for Navient ) and would absolve the issue of higher payments down the road. I 've scoped both of their websites ( one is called " Previous website '', also misleading ), to find out a ) what payment options there are, because nothing about their websites tell me they even offer fixed plans, and b ) how do they calculate the monthly payments for plans in the first place? Their official website, www.navient.com, has no information other than interest rate and principle amount. I have to go to " XXXX '' which is Navient 's " previous website '' to find out what I will be paying in the future. My other payment options are also estimated and there is nothing about fixed payment plans. 

I actually had to contact them via chat ( I can provide transcripts ), to find out if I could have a fixed payment plan. According to the rep, the option would be available if I looked for eligible options. My eligible options were only given to me when I filled out a form which was basically a financial background check. It was discouraging, but I did it while I was chatting. 

After I applied on the previous website, I told the rep that the option still was not available. The rep then said something along the lines of " a fixed rate would change your payment to $ XXXX per month '', which to me has no bearing. I asked how they even came up with that number. All I was asking was where on your website can I even find this number and the details. That 's it. 

This is where you want to listen. The rep told me that the fixed rate monthly payment was calculated by using the calculator located on the Navient home page, BEFORE YOU LOG IN. After I asked, the rep also told me the way to get into a fixed payment plan is by contacting Navient. I literally had to pry this information out of them. Again, I have the full transcript if you want it. 

This is ridiculous. I 'm over 60-70 % of my monthly payment is spent on interest and I want to reduce that for myself. You and I both know Navient benefits more from my current, 5-tiered graduated payment plan, than I do. The fixed repayment option benefits me in paying less over time, but that does n't benefit Navient. I had to jump through hoops to find out any information that benefits me.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Kansas Counselors, Inc. (MO)

Kansas Counselors continues to show a medical bill on my credit report that is in collections and last reported XX/XX/2016. They have been notified by the courts that this was included in a chapter XXXX Bankruptcy that was confirmed XX/XX/2016. I have made multiple attempts via email to have them remove this from my credit report as a current collection account. This is making my score XXXX points less than the other credit report. They do not respond via phone or email. I have also given them my attorney 's name XXXX XXXX and phone number XXXX. They continue to ignore my complaints. Please help me to get this resolved.
Consumer complaint received 2016-06-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC. (FL)

I had an auto loan with XXXX. from XXXX/XXXX/XXXX till XXXX/XXXX/XXXX. in excellent status. Please see letter attached from XXXX. 
However, I do not believe Equifax is reporting this information on my Equifax credit report. I would like equifax to correct this reporting and send me a copy of my credit report showing the new update. 
Thank you
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (MI)

This is not the first time Comenity Capital opened up a credit card for me and then immediately or shortly after closed it out. XXXX XXXX XXXX I applied for a XXXX XXXX card as we are traveling this XXXX and I wanted to get rewards for my spending with XXXX XXXX. Immediately approved for XXXX. Card was mailed out and activated. I did not use it yet. On XXXX XXXX not even using the card yet, I get notice from XXXX that the card has been closed by credit grantor. 
Go back a few months, XXXX XXXX, XXXX. Opened a Redicard for XXXX with Comenity ... seeing I was going to be staying at a XXXX in the near future ... about a month later, get notice that it was - CLOSED by credit grantor due to inquiries. Funny thing is, the inquiry was the one that was for the XXXX with Comenity Bank. 
Same thing happened with my Comenity XXXX Visa. Approved in XXXX and then they closed the account. The only reason why I applied for the card was for the promotion that was going on. I joined the XXXX with XXXX and bought a bed, so I would get a discount. Shortly after, they closed my account and kept the fee I had to pay to join the club, as well as keeping any additional discounts I was going to receive for opening the credit card account and using the card on the purchase of the bed. 
With all this being said- XXXX accounts with Comenity, in the past year, closed by credit grantor ... is a bit ridiculous. Why extend credit to me, if after a few weeks, or a month, decide to cancel. I have no late payments, or accounts in default, so I am not sure why they are doing this. I took the hit to the credit bureaus for the inquiry and immediately or shortly after they close the accounts for 'excessive ' inquiries.
Consumer complaint received 2017-01-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDICO. INC (SD)

A medical bill was sold to a collections agency and they are charging over 45 % interest for one month on their first bill to me. 

My original bill was from an emergency room visit for my son who was in an ATV collision on XX/XX/XXXX. Payments were made monthly of what I could afford. The debt was sold to Credit Collections Bureau on XX/XX/XXXX. The bill I received from the Credit Collections Bureau stated that I had a balance principal of {$1200.00} and an interest charge of {$570.00} for the one month that they had the debt. My mother, spoke to the collections agency and offered to pay the bill of {$1200.00} and {$19.00} interest at 18 % of the principal for one month. They refused the offer.
Consumer complaint received 2016-09-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

DATE : XX/XX/2016 TO : CALIBER HOME LOANS XXXX XXXX, XXXX XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Information Request Mortgage Loan Number : XXXX I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, XXXX XXXX. 

Why did it take your company more than 5 days, to mail a RESPA receipt, in response to a correspondence you received on XX/XX/2016? I am attaching documentation to prove your company failed to respond within 5 days, dated XX/XX/2016, post marked XX/XX/2016. 

If you need to contact me to discuss this request, I can be reached at, XXXXXXXXXXXX, or XXXX XXXX XXXX. XXXX, XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Good Day ... 
I noticed a review/law suit has been done with Toyota relating to minorities getting a higher charge. I was told when i bought my XXXX Rav4 in 2015 from XXXX Toyota in order for them to give me a loan i also had to purchase some other packages. I am a XXXX female and went to the dealership alone. I believe they took advantage of the situation. I already purchased a toyota corolla from them in the past as well. Would my account be reviewed for this lawsuit as well?
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (TN)

I have been trying to refinance my home since XXXX with Ditech. After several months of going back and forth with documents needed, it seems they continue to add additional hoops to jmp thru every step of the way. I was working well th someone tere and complained to their manager about their poor service. The manager never responded to me. They are not assisting me on their end and progress has halted. This has been going on for 6 months and I do n't feel that they care. I 'm not trying to get money back, I am just trying to get a better rate than the one I signed up for in XXXX. I have kept all of the emails that have been exchanged and would be glad to forward anything to you. The last issue was getting some documentation from the other lender on my XXXX split. That lender was unsure of what documents Ditech wanted. Originally, I was to give apprval to XXXX for Ditech to speak with them about what was needed. XXXX does n't do that, but said we can have a conference call with me on the phone, so that Ditech can get what they need. No movement has happened since. I threatened to file a complaint and they responded repeating the same thing against n. I then responded with the same information. I have n't heard back from anyone since XXXX. This seems unfair and i feel that I am being mistreated. I have always paid my bill and I feel that I am getting the runaround.
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I expressed my frustration with trying to get HSBC Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save wife, children and myself, from homeless. HSBC Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XXXX XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note to the Unites States, yet HSBC Bank has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case 10 CH 14885. The Illinois State court have ignored the fact HSBC did not send any notice of acceleration or default notice before filing foreclosure suit. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? HSBC admitted in Court they did not offer me any trial modification, they admitted in court the assignment was created by the attorney XXXX XXXX who is the Plaintiff 's HSBC attorney who is employed by XXXX XXXX XXXX who falsified documents claiming to by an MERS Vice President. What good is the Consent Order agreement if it is intended to be teeth less?