davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (UT)

We financed an auto Ally and we were excited. A year into our loan we lost our jobs and tried to maintain paying for all of our expenses. We called into Ally trying to salvage our loan and explain our situation. They refused to work with us or give us options to retain our vehicle. We ended up have the car repossed after months of trying to maintain our good standing with Ally. We have been trying to pay down the outstanding balance owed but Ally refuses to give us affordable payment options or give us a pay off balance. On two separate occasions they have asked a judge for permission to wipe out our acts leaving us with less than XXXX to survive on. When we call we can not get through and if we reach a live rep they continuously tell us how they are owed the money. We want to pay off our debt to them but we do not know the outstanding balance. We need real answers in order to hold up our financial ends.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In 2008 I contacted Bank of America for a refinance on my primary residenc. After some lengthy discussion I was advised of a HAMP program that would allow me to lower payments. After further explanation by BofA I was told that in order to qualify for this modification I would have to make payments less than required to be included in this plan. I initially refused as my credit was great and would n't want to damage it. The representative then assured me that they would block my credit reporting so that I could qualify ( received this in writing ). After retiring this in writing I accepted, signed paperwork, made the lowered payments as required for 3 months, and was told my the same representative that I was approved for permanent plan. Around 6 months later my credit began taking negative hits for late/missing payments. I reached out to the represent ice who assured me it would be fixed, 4 months later, still getting dinged on credit report. Now almost 8 years later they continue to report my mortgage delinquent and have ignored my emails, calls trying to hold someone accountable for their deceptive and unfair trickery. I have several emails/ documents showing their explicit deception and how I was let to believe I was approved and credit blocked only to be lied to and now they want to for lose on my home and hold me accountable for almost XXXX in law fees when they LIED to me and tricked me. Please help me hold someone accountable there.
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC (CA)

They have called and sent me a letter claiming I got a ticket 1.5 years ago on a rental car in XXXX. I called the rental car company to see if any tickets were issued against my rental car and they said nothing was filed. I told this to Cedar financial and they continue to leave me multiple voicemails every day saying the same thing over and over. They wo n't give me any information about this claim unless I " confirm my identity '' by telling them personal information. This is getting to the point where it 's ridiculous.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (TX)

I would need your help disputing some charges on my Citi Visa card. Please investigate all charges made by XXXX XXXX XXXX and XXXX. XXXX was my first contact regarding setting up a website. After them other companies started to call me to offer online related opportunities. XXXX contacted me so I could have my online business company officially set up. There are XXXX parts to XXXX : The first XXXX sets up your company for you by getting it licensed in your state and all the paperwork needed to do so. {$1600.00} The second group works with you to get your credit established with XXXX XXXX XXXX. I received a couple of phone calls and that was it. {$1900.00} The third group was XXXX XXXX. They sent a program to fill out to track your taxes. After reviewing the program I called and told them that I did not want to use this program and I preferred to use a local CPA to do my taxes. They declined my request for my money back. {$2800.00}. 

I believe they took advantage of me. They sold me additional business that I did not need it. These companies prey on the elderly and they overcharged for services that I could 've paid a couple of hundred dollars ( price gouging ) and they did not provide the services that I was led to believe that I paid for.
Consumer complaint received 2016-02-03
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (AZ)

Universal Acceptance is inaccurately reporting derogatory information on my credit report and failed to respond to validation and accounting request. 
On XX/XX/XXXX, I requested written validation of an alleged debt that Universal Acceptance claim I owe, but to no avail did they validate the date or even respond. I would like to request your help with a problem that I am having with Universal Acceptance. On XXXX/XXXX/2015 I requested a validation of debt from Universal Acceptance after disputing the illegit account with credit bureau and Universal Acceptance refused to remove the inaccurate information. The request was signed received by XXXX XXXX. I have yet to receive a response - their silence is their agreement to the facts. Universal Acceptance failed to provide me with a legal validation of this account under the rules of evidence and the FDCPA within 30 days 809. Validation of debts. I am demanding that Universal Acceptance delete this account from all credit reporting agencies, because they have not abided by the laws of the Federal Trade Commission. Also, Universal Acceptance failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (GA)

Records with the company will reflect numerous conversations regarding extra deductions from my account, several calls requesting car be started due to incorrect disabling. These problems occurred over the course of calendar year 2022.I was directly and blatantly lied to by customer service as well regarding trading in vehicle and refinancing for lower rate. Sent to dealership in XXXX GA, and advised by staff that would never occur. Finance manager at location further advised customer service for US Auto Sales was incorrect. Account sold to westlake, no information given.
Consumer complaint received 2016-08-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AutoNation Enterprises Incorporated (FL)

I purchased a Chevy HHR for {$8000.00} and financed the vehicle through CIG financial in XXXX of XXXX. I made XXXX payments @ {$260.00} = {$4900.00}. My ex husband took over the car & payments as his name was on it and he could afford it. However, he made no payments. Sometime in XXXX, I started receiving harrassing calls from CIG, which threatened me with criminal action and incarceration for theft, although I was not in possession of the vehicle. The balance CIG claimed was owed on the vehicle was {$5200.00}. they claimed that the I had to pay not only the balance owed, but legal fees since they stated they had initiated legal activities against me and/or my ex-husband. They demanded {$500.00} up front, and monthly payments of {$250.00}. Although I am a single mom, with a child whose medical bills for XXXX totaled {$85000.00}, I took possession of the vehicle, paid the initial {$500.00}. I made XXXX payments @ {$250.00} = {$1700.00}. In XXXX, XXXX, I received a letter from CIG, offering to settle the account for a lesser amount, at lower payments. I immediately contacted them. the representative I had been working with, XXXX XXXX XXXX, tried to threaten and intimidate me into continuing with the original agreement. However, since CIG had offered me this agreement, I stuck to my guns and we changed the contract, so that my monthly amount was now {$160.00}. Although the payment was lowered, the amount owed was not reworked as promised. I made XXXX payments @ {$160.00} = {$340.00}, bringing my total payments to {$2600.00} + XXXX = {$7600.00}. In XXXX of XXXX, the vehicle was totalled in an accident. My insurance company, XXXX paid CIG financial {$2600.00} to settle for the vehicle. This makes the total paid out for the vehicle {$10000.00} I have since recieved letters from CIG Financial threatening me with legal actioin and claiming that I owe a balance of {$2800.00}. They have destroyed my credit, as they refuse to show that any payments have been made on the vehicle, and are showing it as a repossession ( it was never physically repossessed ). They said that even if I paid it off, it would remain so. They have further made XXXX unauthorized hard credit inquiries to my credit report, two within a week of each other. I am frustrated and at the end of my rope ; I do not know what else to do. I have been nothing but cooperative with this company. The payments I made after recovering the vehicle from my ex-husband were made as agreed ; none were ever late. This situation has caused me is XXXX ; I ca n't afford the {$2800.00} and I have no idea what I need to do to put a stop to this.
Consumer complaint received 2016-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (TX)

I have mailed privicay and Opt-Out Instructions for all my accounts Great Lakes XXXX XXXX is servicing to both the Department of Education with whom responded advising me to send notice to my loan server Great Lakes. 
Opt-Out Instructions for Account # XXXX Dear US Department of Education/Great Lakes XXXX XXXX : Following are my instructions with regard to your information sharing and Opt-Out policies : 1. You do not have my consent/permission to share my personally identifiable information with any nonaffiliated third party companies or individuals. I am asserting my rights under the Financial Services Modernization Act the ( Gramm-Leach-Bliley Act 15 U.S.C 1682 and 17 CFR 248.7 ) to opt-out of any sharing or sales of my personal information by your company. 

2. You do not have my consent/permission to share my personally identifiable information about my creditworthiness with any affiliate of your company. I am asserting my rights under the Fair Credit Reporting Act to opt-out of any sharing of this information by your company. 

3. I Request a copy of your company 's Privacy Policy and opt-out methods that states how you handle my personal information. Only what is " permitted by law. '' I wish to limit other uses of my personal information by your company and its affiliates. In particular : * You do not have my consent/permission to disclose any information about me, including transaction and experience information, to any of your affiliates. 

* You do not have my consent/permission to disclose any information about me in connection with direct marketing agreements between your company and another company.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

I wrote Experian by certified mail on XX/XX/XXXX for at least the XXXX time, regarding the erroneously reporting of an item from XXXX XXXX Bank XXXX Acct. # XXXX ). I have made NUMEROUS attempts to resolve this issue with Experian but to no avail. In my letter I sent them all the documentation that I have from XXXX XXXX 's credit protection program showing where this bill was paid by XXXX credit protection in XX/XX/XXXX. I purchased the protection from XXXX XXXX which covered payment of the account balance due to my becoming XXXX which occurred during my protection plan period. Today, I received a letter ( XX/XX/XXXX ) stating that the information had been " updated ''. I obtained a current copy of my credit report from Experian that shows no changes were made. This information is incorrect and damaging my ability to obtain credit. I do n't know what else to do but to turn to the FTC for help. Please help me in getting this erroneous information removed from my credit report. Thank you!
Consumer complaint received 2015-07-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cascade Capital, LLC (CA)

received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.
Consumer complaint received 2016-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (IL)

Since XXXX 2016 as I applied for an income driven repayment plan, I have received conflicting information from numerous reps and multiple managers regarding whether I should I expect an interest subsidy to apply to my account with Great Lakes after my monthly payment amount changed in year two of the income driven repayment plan. After the subsidy did not post in XXXX, I was told that I should still expect the subsidy but that it was delayed because my payment plan did begin until the following month on XXXX XXXX. I called repeatedly in XXXX to confirm and was told I should expect the subsidy by XXXX XXXX, but I did not receive a subsidy by the end of the month. I called on the first business day of XXXX and by the following day and multiple calls, I was told that by XXXX XXXX I should expect an interest subsidy and that there was a delay from the government in posting interest subsidies. After the subsidy did not post by XXXX XXXX, I was told on XXXX XXXX that I would not qualify for an interest subsidy because my new payment amount is higher than the subsidy. This was a simple piece of information that multiple representatives and managers missed from XXXX through XXXX. This misinformation negatively affected my ability to plan financially and has caused me to make payments on unsubsidized loans with lower interest rates because I expected the subsidy on the subsidized loans. As a financial service company, multiple guesses and examples of misinformation over an extended period of time are unacceptable. I am also concerned by the final manager I spoke with advising me to apply for removal from the income driven repayment plan with the idea of letting my loans be forgiven after 20 years. Not only was I misinformed, but I was encouraged to keep up with my minimum payments, which would cause me to pay significantly more over the life of the loan.
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Total Recovery Services, Inc (OH)

My husband and I were denied a mortgage because of credit history problems. This was a shock to us. We found out that a debt collection agency kept abusing my credit history each month without my knowledge. It turned out that when we moved XXXX miles away- there was a medical Bill that was unpaid. I have always been on top of my things ( paying bills, changing addresses etc ). USPS had a forwarding address on file. Somehow the debt collection agency claims that they received returned mail. 

My understanding is that they did not bother to do anything at all to try and contact me. They have no proof that they could provide. In todays world it is not hard to track someone down who live openly online. Why did I not get bills forwarded from the doctors office, or from the collection agency or even phone calls or anything at all for 6 months? 

I had to contact the collection firm to pay the bill! I feel cheated and I know that nobody can help me.
Consumer complaint received 2016-06-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I have roughly $ XXXX of Student Loan debt, $ XXXX of which is Private through Navient. All of my loans are cosigned by my XXXX year old grandmother who lives on Social Security benefits month to month and makes a yearly income of - XXXX ( she dips into savings every year ). My mother has cosigned XXXX of these loans for {$11000.00}. She too makes little ( she works for XXXX XXXX ) and is currently fighting a foreclosure suit on our childhood home ( my dad passed away in 2012 but prior to his passing, he took out a home equity loan for {$140000.00} - now my mom is stuck with this loan, even though she never signed the agreement and is a co-owner of the home - that 's another story ). She has a 401k. 

Navient will not let me lower my monthly payments because both of my cosigners show as eligible to pay the full amount of the loan. I am on a XXXX year plan right now but I need to extend to at least XXXX. After pestering and talking to the supervisor at Navient, I found that my cosigners are deemed eligible to make payments on the loans because they have assets - they are both homeowners and have retirement savings. I applied with XXXX XXXX to consolidate my loans and they will not work with me because I have too much credit out currently, even with a cosigner. I feel trapped and scared and horrified and I do n't know what to do. Do you have any advice?
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I received an offer to apply for a Citibank Citigold Checking Accounting, with a sign-up bonus offer of XXXX XXXX XXXX miles after completing the terms ( a direct deposit, XXXX monthly bill payments, etc ). I completed the terms of the offer and expected XXXX points to post within 60 days. When this did not occur I contacted XXXX and chatted with a representative who assured me I had met the terms and should expect to see points. I then received an emails saying was I not eligible for the offer and therefore would not receive the bonus points. I am not satisfied with this. I have evidence of the terms of the offer I signed up for, a chat conversation with Citi acknowledging that i was 1 ) eligible 2 ) have completed the terms and 3 ) should expect to receive the bonus. I would appreciate your assistance with this matter!
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America closed my account in XX/XX/2014 ( I think ) and placed a suspected fraud/ theft on my name in XXXX making it hard to obtain a bank account with any other banks. I reached out to them on several occasions to have this resolved or investigated and have n't heard anything bank. I spoke with a branch manger on several different occasions and she has called the fraud department and all they tell her is that it is being investigated. They sent me my transaction history showing the money in my account and then coming out but I questioned the check that was deposited, how was it deposited, who deposited the check, how was it cashed, when and by whom. Nobody could tell me anything. I reached out to the company that they say furnished the check to verify that I have no type of business dealings with them or accounts. This company stated that they have nothing to do with myself and they do n't know anything of this check. Bank of America has be so called investigating this far to long. I 've even sent them my police report that I obtained back in XX/XX/XXXX for Identity theft after I found out that someone else had accounts in my name that I found out about after pulling my credit reports. They still have yet to reach back out to me or respond in any kind of way.