davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NC)

In XX/XX/XXXX-XX/XX/XXXXI was forced insurance when I was covered by my own XXXX XXXX. I was given years of fees, aprox. {$2000.00} and insurance aprox. {$3000.00}. that was added to my auto loan. Not knowing they were being under investigation in XX/XX/XXXX-XX/XX/XXXX for insurance fraud and fees. I was trying to do the right thing by trying to resolve my insurance problem, during this period i provided them with my auto insurance information to the Presidents Office by faxing it numerous times in XX/XX/XXXX. What I did not get, that I did not hear from them and I was still trying to reach out to them with no call backs. Until XX/XX/XXXX i was mailed a letter which they charged of my account, I suppose they did not want me to be aware of the scandal they were having. It is time they take responsibility for their actions and all the stress they caused me.
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (TX)

Premier student loan center did not infrom me that i could fill out the form on My own without charge. They didn't inform me that what they are charging me i could do it for free on student loan.gov. They have already charged me two months of {$230.00}. The dates were XXXX XXXX and XX/XX/2018. I wasnt aware they were a third party. I have been trying to contact premier student loan center but they never returned my call.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (AZ)

This involves satellite service to a rental property I owned. Original complaint was from " XXXX ''. XXXX tenant moved out and XXXX went after me as I originally co-signed for the service, however, XXXX allowed the renter to increase the service and also let her slide for a period of time, increasing the amount owed. I also never received the bills as the tenant notified them that she was the billing party. XXXX made a lot of money on this account for many years and easily could have written this off as a promotion opportunity as this account never would have existed except for my kindness and this is the way they treated me!. XXXX then sent this bill ( about {$91.00} ) to Diversified Consultants IN. They accepted about 1/2 the amount owed and I figured even though I was not the party they should go after, it was better to pay it then have my credit affected. Diversified said they would accept partial payment as " payment in full '' and would remove any negative credit in return for payment. ( Including paid collection accounts! ). It is insane to think they have seriously damaged my credit rating for a less then {$91.00} dollar bill. ( by the way, the bill increased because of late charges etc. ). I ask that they remove this negative credit blemish and maybe I would consider getting service once more from them.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MI)

We agreed to pay up to {$150.00} a month for TV and internet services for 2 years. I also let them know that we were on an fixed income and could only pay so much a month and they said that they could and would keep the bill under a {$150.00} a month. But every month after XXXX XXXX XXXX took over XXXX XXXX XXXX had to call to let them know that that was not our agreement. So after so many months of trying to them to fix the problem my husband and I went elsewhere for services. Now XXXX XXXX XXXX & XXXX XXXX say we broke the agreement I didn't they did.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

I received an email from XXXX alerting me that a credit inquiry from Citibank had been ran using my name, address, and social security number. I do not have any accounts with Citibank. I disputed the inquiry with XXXX and left it alone. Later, I got the " confirmation '' letter in the mail, however it was in XXXX, and I do not speak XXXX, so I knew that someone had tried to commit fraud. I called Citibank and reported the fraud, and they told me that they would handle the situation. However, as of today, the inquiry is still showing on my XXXX and is bringing my score down into the yellow. I want the inquiry removed from my credit report.
Consumer complaint received 2018-04-26
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. (NY)

I contacted Experian on numerous occasions and they refused to remove this fraudulent account from my credit file. I informed ( Experian ) that these accounts do not belong to me.
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I just graduated in XX/XX/2018. Despite me paying more than the amount due each month, Navient increased the principal on my three subsidized loans. I check my student loans weekly and the principal on my subsidized loans were ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, and ( 4 ) {$1100.00} with {$0.00} interest accrued on each of these three loans, as of Sunday, XX/XX/2018. Well to my surprise, I checked my loans again on Wednesday, XX/XX/2018 and the principal for these corresponding loans was ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, ( 4 ) {$1100.00}, with {$0.00} interest accrued on these loans. As I was shocked to see the jump ( and as I have been paying down the loans with overpayments ), I was shocked to see the jump on principal. Right away I called Navient and the representative told me it was all interest that accrued, despite me looking directly at my loans and seeing {$0.00} interest for each of these three loans. Today, XX/XX/2018, there shows minimal interest has accrued for the loans at ( 1 ) {$0.00}, ( 3 ) {$0.00}, and ( 4 ) {$0.00}, which in no way explains the huge jump in my principal on these three loans. The Navient representative was not helpful when I was talking to her and she hung up on me before I was finished asking more questions.
Consumer complaint received 2018-04-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Re : XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX  CA XXXX I am a renter in a house XXXX XXXX illegally foreclosed on. They then tried to illegally evict me, despite a 5 year lease. Under Federal and CA state PTFA, I have the right to live out my lease.

They left me responsible for hundreds of thousands of dollars in repairs, and nearly $ 100K in attorney fees. This house is dangerous and should be red-tagged, despite all my repairs.

During this process I discovered they stole the loan and the house. They withdrew their eviction. Now, they owe me money. I have been trying to get the money they forced me to pay on their behalf since I reside in a house full of issues, since

XX/XX/XXXX. Meanwhile, the former owner sued for Wrongful Foreclosure in XX/XX/XXXX.
I filed two CFPB complaints to highlight the issue - # XXXX and XXXX. They responded I did not have " standing '' which is the right to bring the complaints, even though I have been damaged by XXXX XXXX XXXX illegal activity. They then copied the former owner, in a violation of my privacy. THE FORMER OWNER IS NOT PART OF MY COMPLAINT AND XXXX XXXX   HAS BEEN TOLD TO STOP COPYING HER AND HER ATTORNEY AND THEY DID IT AGAIN.

My personal situation on this house, my PO Box , and the details of my claim against XXXX XXXX  are none of the former owner 's business.

Not only that - they used the wrong PO Box , sending my personal information to someone else. I informed them, and they did it again.

They are violating my privacy. Just like they stole millions of identities ( including for my own kids, separate issue ) -- they now have no regard for my privacy an willy nilly copy people not a part of my complaint against them.
Consumer complaint received 2018-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

XXXX keeps taking money from my bank without my permission. I asked them multiple times to remove my bank account information from their website and even removed recurring payments. When I logged in today XX/XX/2018 I saw that recurring payments were turned off and my bank information was not there so how have they been able to take money from my bank without my permission for the past 4 months?!! There were no legal order for them to do so and i expressed clearly that I am having financial difficult now because of this. I want to know my rights and what legal actions I can take against XXXX because this is absolutely ridiculous. I would like legal advice immediately.
Consumer complaint received 2018-04-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC (AL)

I originally had a title loan with XXXX XXXX of XXXX, AL in XX/XX/XXXX. On XX/XX/XXXX, when I made my payment to the store where I originally received the loan, I was told the next month my payment would be due at a different location, XXXX. When I started getting calls, I did not recognize the number and out of 7-10 received between XX/XX/XXXX and XX/XX/XXXX, I was left two messages that simply said " XXXX, please give me a call at XXXX '' with no other identifying information. On XX/XX/XXXX, I called the number back at XXXX, found out who it was, explained that I was leaving to go out of town, that I would be back on XX/XX/XXXX and I would be in as soon as I returned home. On, XX/XX/XXXX, my mother called me to tell me the title place was looking for me, I needed to call them, etc.. I called XXXX again at XXXX, explained I was still out of town, I had already made a payment arrangement, etc. I offered to make the payment while on the phone with my credit card and was told they could only take debit card payments over the phone. On XX/XX/XXXX, I received another phone call around XXXX, again I explained that I was out of town, that I had already spoken to two other people, and ask that they have their manager call me. On XX/XX/XXXX, at XXXX, the store manager XXXX called to tell me I was getting repeated calls because my account was late, her employees weren't authorized to make payment arrangements after an account was 5 days late, she didn't know who I spoke with because their were no notes on my account, I gave her the dates and times of when I had spoken to someone, and she said ( quote ), " okay, well there's no notes on your account so I don't know who you talked to but they can't make payment arrangements over the phone after your account is five days late. '' She proceeded to tell me that she didn't know how XXXX operated but her store didn't work that way, I needed to come in to make sure I understood how they operated, and again, I offered to make the payment over the phone, and she told me she didn't do phone payments at all, but to make sure I didn't break my payment arrangement. I have proof of dates and times when I spoke with their employees and first, they continue to call five times after my initial arrangemnt, they call my reference after my initial arrangement, and the manager basically calls me a liar when I tell who I spoke with and when.
Consumer complaint received 2018-04-25
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (NY)

the keep spoofing their phone number so I will get three calls back to back to back from GC services from different numbers, I asked them to stop calling me from different numbers and so frequently ... I would actually like to satisfy my debt but the aggressive way they reach out to me has deterred me from communicating with them
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

I have a Discover card, I have a balance of {$4000.00}. I pay my monthly bill on time pay more than the minimal amount. 
Everytime I pay extra money Discover find away to take the money back. I pay over {$100.00} a month and Discover takes it all back in interests. Discover gave me a credit of {$30.00} and found away of taken that back too. 
I have tried to work with them but its not working they trying to fleece me ... I can't get ahead if they keep charging me over {$70.00} dollars in interest. 
I could have paid the balance way down if they STOP making up interest charges. I don't even used the card is the disturbing point. 
I acknowledge I owe them but I don't feel I can get a head in paying off this account if the keep. 
taken the money back as I pay off the balance. I need help with this major issue!
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In complaint # XXXX, which was closed on XX/XX/2018, Shellpoint Mortgage Servicing indicated that my issue had been resolved. The payment of {$2800.00} that was paid from my escrow to XXXX XXXX XXXX was never returned for insufficient funds, as previously stated in my complaint. After 'resolving ' the issue, I had received a rescission of cancellation, though, and, as such, thought this matter had been resolved. 
Today ( XX/XX/2018 ), I received a cancellation for nonpayment in the amount of {$2800.00} issued from my escrow by Shellpoint Mortgage Servicing to XXXX XXXX. I immediately called XXXX XXXX and spoke to XXXX XXXX in customer service who advised me that the check received on my behalf was returned due to insufficient funds. 
I have a new cancellation date effective XX/XX/2018 if payment is not received in the amount of {$2800.00}. I was advised by XXXX that they do not want no check from Shellpoint at this time only a cashier check.

Again, it has been my experience that Shellpoint Mortgage collects money and misappropriates the funds that have been paid.
Consumer complaint received 2018-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

Fraudulent charges were found on my Kohl 's credit card in late XX/XX/XXXX. Kohl 's initiated an investigation into the fraudulent charges, and during period of the investigation late charges were accrued in XX/XX/XXXX-XX/XX/XXXX. Also during the period of the investigation, Kohls customer service rep advised me not to make payments of any sort. Kohl 's investigation ruled that these charges were indeed fraudulent ( see attached letters ). Kohl 's refunded the fraudulent charge and late charges and stated they would contact the credit bureaus to correct the late charges that significantly impacted my credit score. I expressed to Kohls customer service reps the urgency they have my credit score corrected since I am closing on the purchase of a house in early XX/XX/XXXX, and this impact to my credit score is preventing me from obtaining a low interest rate. After ~2 months of contacting multiple Kohl 's reps and supervisors, and them assuring me that this would be corrected with the credit bureaus, this has not been done as of today ( XX/XX/XXXX ).  I have contacted both XXXX and XXXX minutes prior to writing this complaint, and both credit bureaus confirmed that Kohls has NOT reported correcting the late fees. Kohl 's has failed to contact XXXX and XXXX to report they have corrected the charges so that my credit score can be corrected in this urgent time. Kohl 's has repeatedly demonstrated extremely poor customer service, and by not reporting to the credit bureau 's are refusing to take ownership of their fault.
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (NC)

ON XX/XX/XXXX my car was totaled in an accident. I have recently reached the conclusion with the insurance company and they have informed me that they have mailed a check to the loan service company XXXX XXXX XXXX. 

Well called this morning after attempting to access my account online to view the account for payments received ( I wanted to know if they have processed the payment sent by the insurance company, {$11000.00} ). The account this morning said I owed {$800.00} + dollars this would include the may payment and the XXXX I usually pay every two weeks. 

I then attempt to login again this evening I still am not allowed to log into the account online. I then try to make a onetime payment through XXXX XXXX of the remaining {$260.00} and was blocked. I then call the company select the choice to speak to a representative to determine what is going on with my account only to get a response that says, " It says that you all are unable to accept my call at this time? '' Their website clearly says that the call center is open until XXXX XXXX   EST, I called them at XXXX XXXX. 

I am just trying to make the next payment of {$260.00} that I pay every 2 weeks and to make sure they have received the check from the insurance company of {$11000.00}. The payment is not 30 days late until XX/XX/XXXX and I would like to pay what is remaining {$260.00}. 

PLEASE ASSIST ME IN CONTACTING XXXX XXXX XXXX, As I feel they will attempt to destroy my credit over some bogus charges that I can not even pay.
Consumer complaint received 2018-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

Im a co-signer on a loan with AES and tried to get co-signers relief and was told that 48 months of on time payments had to be made. WTH? 4 years of on time payments when most companies on require 12 months. The customer service reps are rude and they only look to ruining your credit. I cant afford to pay for someone loan due to having to pay for my own along with my other bills. This person now has a job and has been had a husband. Im divorced with XXXX kids I have to take care of of and its a hardship on my to continue to be a co-signer. My credit is being ruined that I worked so hard to maintain by someone else and its totally not fair. I personally think I have been added to some other loans this person has with them that I dont have any affiliation with. I want them to send me the contract that I signed to be a co-signer because personally, I dont recall signing one.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

Dear CFPB, Could you please help me to negotiate the amount of this collection with the creditor? I called them but they were not willing to negotiate with me. I would like to pay them as soon as possible. 

Thanks!