davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (FL)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady. I can recall once I was in prison which was suppose to be covered under either forbearance or deferment but I was denied eligibility. The school is also saying I owe them for loans that were returned to the lender and I had to drop the class but still show in my balance. Something needs to be done about these predators.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

I 'm complaining against Equifax for their negligence in not making sure that my credit report is accurate after I have proven to them time and again that they are reporting these XXXX public records inaccuratey. I am including the letter that I sent to them as well as my credit report. Here is the body of my letter to Equifax : *you can see the public records section on page XXXX of the report XXXX XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/001 '' as well as the court that you have listed must be accurate which it is not - " XXXX ''? XXXX what? You also have no plaintiff! 

XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/0001 '' as well as the court that you have listed must be accurate which it is not - " XXXX count ''? I 'm also including the proof that this account is paid and that you are reporting a balance when it has been XXXX released and paid! You also have no plaintiff!
Consumer complaint received 2016-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (UT)

Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. 
I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AR)

My orginal lender was XXXX XXXX then my loans were turned over to Navient at that point various changes occured. I have seen them listed multiple times on my credit report even after asking for a forbearance or deferement. Due to inconsistency and multiple inquires I have been turned down by lenders and my credit score has dropped significantly. the multiple loans for the same amount on the same day is very misleading Furthermore If I contact them as requested and make arrangements why do they still report days later as negative on my credit report
Consumer complaint received 2016-09-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

NAVIENT TOOK ABOUT EXTRA {$110.00} WITH RESPECT TO THEIR OWN MAILED INVOICE AUTOMATICALLY FROM MY CHECKING ACCOUNT, " SINCE XX/XX/2014 ''. THEY REFUSED TO REFUND THAT MONEY TO ME. I WROTE TO THEIR CEO AND GOT NO ANSWER. THIS IS A FRAUD. NAVIENT ALSO REPORTED 60/150 DAYS DELINQUENT IN FROM ONE LOAN PROGRAM TO ANOTHER LOAN PROGRAMONE STUDENT LOAN. NAVIENT ALSO REPORTED 90 DAYS DELINQUENT FOR CHANGING FROM ONE LOAN PROGRAM TO ANOTHER LOAN PROGRAM
Consumer complaint received 2016-03-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (FL)

FLAGSHIP CREDIT : I am being called on a regular basis by a lending company that I have no loan with. I was apparently used as a reference without permission. I have asked on at least five different occasions to be removed from the account and to stop all calls, but I still continue to get calls. I want to file a formal complaint. The company continues to harass me and leave messages. Several of their supervisors have confirmed that the account reads -- do not call -- but they continue to call.
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. (PA)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX : XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7900.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (TX)

On XXXX XXXX, XXXX I went to a VW Dealership and leased XXXX vehicles. This was a week before the Public announcement of VW Diesel Vehicles having an emission problem. As a " Lessee '' of XXXX affected diesel vehicles I was quite concerned. My concern was that I would never get money back when I turned these cars at the end of the lease. XXXX XXXX I received a " Goodwill '' offer, as did the rest of America to which left me even more concerned. All the while making my payments on time never being late. I reside in the State of Texas and did extensive research on the Lemon Law. On XXXX XXXX, XXXX I sent a certified letter to VW requesting termination of both leased vehicles due to all the problems.I received a letter back from VW stating they would not assist me so I then went ahead & filed a Lemon Law complaint. I received an immediate response and was planning on preceding that route. XXXX XXXX VW announced their intentions of some sort of settlement. I withdrew my complaint with the State of Texas and anxiously waited on how to proceed with my claim. I submitted in XXXX thru the online portal all of my documents and received confirmation of my submission. Few days later I checked the portal and it showed my claim missing. Plus there had been several media outlets stating owners of the affected vehicles did not need to make a monthly payment due to the car being payoff. I also confirmed reports on the FTC website. I thought the best answer would be from an actual VW employee. So I called the XXXX number and waited over 45 minutes. I finally got someone on the phone and I explained to her what I read and heard from Media outlets. The Volkswagen Representative informed me I was CORRECT and I did not need to make a payment. The vehicle would be paid in full at the time it was returned. Unfortunately I was informed incorrectly because VW is now reflecting on my Credit report that I was 90 days late on the XXXX and I am 150 days on the XXXX. I had a PERFECT payment history with Volkswagen Credit. Never was I late! Now I go from having XXXX credit scores to XXXX credit score. Furthermore when I went to speak to the General Manager at the dealership back in XXXX when I originally discovered how my credit looked, I explained to him the situation and was visibly upset. He told me that Volkswagen was loosing so many clients he had heard that the XXXX number was giving incorrect answers to customers so that the customer would have to keep the affected vehicle. Then he started pressuring me to buy another VW. Volkswagen 's actions are completely egregious and reckless. I am asking for your assistance with the following ; I would like for my credit cleared up so that I can purchase another vehicle & not to be forced to purchase another Volkswagen. Plus I want Volkswagen to be held accountable by filing a formal complaint. If you read on the FTC website I am not the only customer out there that has had problems with this company. When is enough enough?
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MO)

My student load debt through Navient is {$55000.00} ( principle plus interest ). I asked them if I pay the principle amount, in full, will they forgive the remaining interest. They told me no. They said I have to pay the full amount. They were not willing to negotiate at all. I believe this is unjust and unfair. Note***My principle amount is around $ XXXX. Can someone please assist me with this?
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

interests rates are too high and it seems as I will be paying my loans until I retire. I 've tried to work arranging a payment I can afford on a monthly basis and have n't been successful accomplishing it. It is overwhelming.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX 2015, I received a letter from CHASE saying I was pre-approve for a home loan. Since I needed to get a refinance loan for my XXXX Mortgage with CHASE, I decided to meet with the CHASE representative in XXXX XXXX. I paid XXXX dollars for the appraisal and I want a refund of this money since I was assured the loan ( on XXXX XXXX, 2015 ) was a positive based on the material and documents I submitted. The appraisal came in at XXXX on XXXX XXXX, which was more than enough since the loan was for less than XXXX. On XXXX XXXX, 2015 I was informed I could get the loan if I came up with XXXX. As I informed the representative I would not have paid the appraisal if I knew in advance I needed to an extra XXXX dollars for the loan. 
Subsequently I applied with another Bank, XXXX ( XXXX XXXX ), and was able to refinance thru them. 
I did sent a XXXX page letter to the representative with attached documents supporting my claim and he inform me via e-mail they could not refund my appraisal fee. CHASE has not responded in writing regarding my refund.
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

Every year since I got my home my escrow has been screwed up one way or another by Chase bank. Every year my mortgage goes up and down but this year now they are telling me I am over {$1600.00} short and to keep my payments they way they are I need to come up with over {$1600.00}. Per them it is for taxes ( not due until XXXX of 2016 ). How am I short for taxes not due for over a year? Do n't my payments build up my escrow so that there is money in there come XXXX? This happens every year. I said that does not add up and they tell me I am wrong and will not clearly prove to me where they are right and where I am wrong. I called a lawyer and per him I am just screwed as there is nothing in the law that protects me. I also tried several times over the last several years to refinance my home because the rate is 6 % and it is killing me. So far Chase tells me they can help me and that someone will call me but I have never been called back and the XXXX time I did talk to someone they told me it would cost {$1800.00} to refinance. The part the confuses me about that is my neighbor refinanced his home and it only cost him {$400.00}. He too is with Chase and he owes more on his home. I have no idea what to do or where to go and if this does not get addressed I will lose the house as I can not afford the new payments while my wife is out of work dealing with medical problems.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DC)

CHASE mortgage offers all kinds of alert features, that can be sent to customers via phone email ; HOWEVER, they DO NOT offer customers the option to schedule alerts for payments for that are late, at least until after they can charge you a late fee ( i.e. after the grace period ). This of course would be easy to provide by writing a few lines of code. But no. Instead, they will only alert the account holder until AFTER they can charge a late fee. No other financial services company I use does not offer a pre-penalty alert feature. No one. Chase should be ashamed of this obvious tactic to fleece its customers of fees.
Consumer complaint received 2016-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (VA)

I received a letter from AARGON Collection Agency attempting to collect {$1300.00} for services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No bill or statement was attached to this collection agency 's notification. I have not been in XXXX, XXXX in 25 years and have not used any services by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever. I did a search on this collection agency online and through the XXXX and there seems to be many other collection complaints about AARGON Collection Agency in XXXX XXXX, XXXX. ( AARGON Collection Agency, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) This debt is not mine.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

This is my parents phone number. I setup a payment plan and gave them my phone number and told them that I ca n't be reached at the number they have been calling and to stop calling. They stopped for awhile but are now calling my parents multiple times per day.
Consumer complaint received 2017-03-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I went into a XXXX Branch at XXXX. to open an additional checking account. The banker saw all of my accounts with them and offered a Home Equity line of credit product. I gave her and her manager my information on my home. I advised them that XXXX had my mortgage and my Principal balance was $ XXXX. They estimated my properties value at $ XXXX without an appraisal. The were working on their calculators and insisted I had enough equity to apply for the line of credit so I started the process. I received a call 2 days later from the manager and he told me I could not move forward with the application. I asked why not? He said there was an issue because my mortgage was not with Citibank. I said I told you from the beginning it was not with Citibank, that it was with XXXX. You even told me that was OK and did n't matter. Then he stated because there was not enough equity on the property. I asked how much was needed? He gave me a number over $ XXXX. I said you already knew I did n't have that because I gave you the numbers. No I have unnecessary inquiries on my credit report. He stated it would n't impact my credit because I had such a good credit rating. I stated I 'm not comfortable with what they did and I wanted them to contact the credit bureaus and have them removed. He said he would get back to me in a few days. 

They should have known that I was not even going to get far with the application process. They knew the numbers were way off to getting approved. With the numbers they had through our conversation, the equity was somewhere around 9 %. When he called me, he said 25 % or 30 % was needed. 

I feel like they just wanted my application to meet some quota. They submitted my application knowing I did n't have enough equity. Is this what Citibank is coming to?
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (VA)

I have filed a credit card with Citi and was approved. The problem is they gave an APR of 20.99 % after the introductory period. I have excellent credit history and credit score and I have called them and tweeted them about why is the APR so high. If a person with excellent credit history gets 20.99 %, who will get the best APR? 
Also the problem is there are not giving any answers why is the APR set at 20.99 %. 
If I 'm the consumer of the product I should how I got the that APR. 
I have closed the account. The problem is my credit scorer decreases a few points because of the credit card application and closing the account. Why should I lose points? They are not answering any questions which I ask. 
Thank you.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NC)

I was traveling over the holidays and my sister was hospitalized with an emergency. I had a friend send me my bills so I could pay them long distance. I sent, from my " pay bills '' account with my bank, a check for {$3800.00} to the WRONG account. It was a different XXXX XXXX card than the one I should have paid. In fact, the money went to an account that had been closed. I did n't realize the mistake until I got a notice from the correct account that my payment had n't been received. I contacted the Citibank Advantage card company which I 'd incorrectly paid. They 'd accepted the check. After several calls they finally saw what was going on, then credited my active account rather than returning my money. It took another couple of calls to convince them I needed the money back, not a credit in an account that I seldom use. After several more calls I still do n't have my money, they claim the long delay is due to " policy. ''
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (NY)

I recently set up a new checking account with Citi as part of a promotion to earn additional frequent flyer miles ( I already had a credit card ). As part of that process, I set up an " external account '' so I could transfer money between my new account and an existing account with my credit union -- this was to be the source of my initial deposit. I mistakenly thought I had to verify the accounts both ways ( I 'm still not sure whether this was true or not ) -- that is, to have each institution verify the other, which they do by making small debits/credits to the account, and then I 'm expected to verify the amounts. As part of this process, I mistakenly overdrafted my Citi account since it did n't currently have any funds in it -- which is why I was trying to set up this external account in the first place! I was charged {$68.00}, which seems excessive for an overdraft that was less than {$1.00}. I complained via Citi 's chat help, and after first telling me that it was a valid charge, they offered to refund it as a " one time courtesy. '' However, they only refunded {$34.00}. When I chatted a second time the next day, they said that they had only offered to refund " XXXX '' of the overdraft fees -- apparently there were XXXX for {$34.00}. On closer look on my account activity, there were XXXX places that said " overdrawn '' -- however XXXX was a credit ( not a debit ), so that did n't make sense! -- and still only XXXX line that said Overdraft Fee - {$68.00}. They eventually refunded the remaining {$34.00}. However, I believe Citi should be censured for these policies which are clearly predatory and trying to extract money out of customers who do n't have the time or energy to fight them on this. They use misleading language and reporting ( including apparently putting XXXX separate fees as XXXX line item ) and at no point in their help process did anyone offer me an explanation as to why these things are reported this way. I also do n't think that overdraft fees should apply in cases like this, which are clearly part of the initial setup of an account. And customers should n't have to spend several minutes arguing to get back money that was essentially stolen from them. I informed Citi that I would be closing my account as soon as I receive the promotional mileage ; I do n't understand why anyone would trust a bank with such shady and unfair business practices with their hard-earned money.