davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Delbert Services (OK)

This is almost a 3 year old problem. I was told it was n't a legal loan, and they ca n't collect it, nor do I remember it. They have threatened to take legal action, several times. Called today 6 times, then I answer a local number and told they receive page work to have me arrest by other party was given 24 hours, that XXXX felony charges was to be filed on me tomorrow. This was XXXX mins after they email my sister XXXX XXXX, I said no during the call last week, he said he want to talk to my sister and I said no, he said he was going to call. Called local DA and was told to contact you. 1. I asked for some proof 3 years ago. Repeated calls, send email to my sister with all info and she was asked to sign it. I was yell at not allow to say XXXX words. Call on XX/XX/XXXX or XX/XX/XXXX told they had a SS ATM card demanded I give it to them. There is no way legally they could know that. Told them I did n't and only a saving account that they could n't debt. I asked for more info because I was told it was n't a legal loan in the state of OK. I do n't remember it. The call got worse they demanded I get a pre-play card. I informed them I was n't because I did n't have money to be put on it. They asked if I had one I said yes but NO MONEY WAS ON IT. I was threaten again I told him I could give him one but no money was on it. They caused XXXX dollars worth of damage to my bank account 3 years causing return fees, bills not paid and ACH run daily racking up fees on me. I 'm told those are hot checks. I 'm on XXXX and they ca n't garnish it, which did cause a garnish of a federal bill because they were cleaning out my account. I 'm still trying to dig myself out. I was asked if I owned a house, I said no, I do not own a house. His name is XXXX. 2 years ago after I asked for proof never heard another word until last week.
Consumer complaint received 2022-10-02
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: Exeter Finance, LLC. (GA)

In accordance with the XXXXair Credit act EXETER FINANCE Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-04-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

I took out a loan from CashCall in XXXX at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so XXXX payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XXXX XXXX XXXX as of today XXXX XXXX XXXX, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.
Consumer complaint received 2016-08-07
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALLY FINANCIAL INC. (MI)

Ally Financial, their representative XXXX XXXX XXXX refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, Ally Financial made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
Ally Financial refused to acknowledge any issues and upon request, sent inaccurate information in response.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OR)

My FICO score had been rising steadily over the last two years due to my being quite responsible with the utilization of credit and immediately paying my credit card balance in full every month. A few months ago, my credit card company increased my credit limit. They did this WITHOUT asking me or getting my permission. Now because the ratio of my credit usage vs available credit has changed, the bureaus tanked my FICO by XXXX points! In other words, I 'm NOT in debt. I pay my balance in full and on time, but because my monthly charges are now XXXX % usage ( vs XXXX % ) against available credit, I get punished with a drop in my FICO? This is proof that the credit bureaus need to be investigated and sued. What they are doing is damaging to people NOT in debt. It 's almost as if they rather we accumulate massive debt, which makes no sense. PLEASE do something about this. Obviously their algorithm is broken.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I am part of the many Americans that grew up in the middle class. My parents made enough to pay their bills but not enough to pay for all XXXX kids to go to school. Because they were middle class, I did n't qualify for federal loans, therefore private loans it was. 

I began my career immediately after graduating from college, but unfortunately a year later the position was eliminated due to budget cuts. I immediately called XXXX XXXX/Navient to discuss an income based repayment option. They told me that income based repayment was not available to me due to having private loans and my only option was forbearance. They made me pay {$150.00} to put my loans into forbearance. I had no other option so that 's what I did. The forbearance only lasted 3 months and despite attempting to lower my payment after that 3 months, Navient continued to refuse. At that time, I was making XXXX a year and paying over {$500.00} a month for my Navient student loans. That does n't include my federal loans from another institution. To this day, I make less than XXXX a year and still pay almost {$500.00} a month in loans. The only way I am making ends meet is because I married a man who helps me make sure I make those payments. 

The fact that Navient is not flexible with their customers and has had no repercussions for their actions is sickening. Many people are struggling to pay these loans back and they do n't care because they continue to get their money. Loan forgiveness would be awesome, but we all know that is n't possible. I 'm not asking for the XXXX ... I 'm asking to be able to go out on a Friday night with friends and not have to worry about not having the extra spending money due to having extremely high student loan debt. 

Between my husband and I, we pay {$2000.00} a month in student loans. {$2000.00} a month. Could you imagine if we were able to put that money back into the economy? Could you imagine if other Americans in the same situation could put their money back into the economy as well? 

There needs to be consequences for their actions.
Consumer complaint received 2016-12-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ERC (MD)

Gradated undergrad in 2007, into the recession. Could not find a stable good paying job to keep up with my private loans. My private loans where sold to XXXX in which XXXX sold them to another collection agency. I was contacted by ERC in an attempt to collect the debt, and they wanted to settle for what was the balance of my all my private loans at XXXX. I agree and borrowed more money to pay the debt that was agreed for XXXX, but ERC Lied and allocated the funds to other accounts that were NOT discussed and changed the parameters of the settlement without notifying me prior. It was only after I had paid them, that they sent a cryptic letter saying what account the funds had really been allocated too, thus furthering ruining my credit score and lying. IS THIS LEGAL.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I did a dispute on a company on my credit with information showing it was a false report and they failed to respond to credit reported from XXXX for a XXXX housing authority she sent proof as well it was false reporting they failed to respond to me with in 30 days they said they sent it to my email but when I went to email and clicked on there link I was blocked from my account to check status then I called and they said I had to send originals of birth certificate and drivers license to prove identity I said not even so they said the can not release my account to check status not a copy an original This is the information showing all transaction took place as of XX/XX/2016 and we were moved out by the end of are 30 day noted and the credit reporting agency said ok but they did not contact company or respond to me so I called them and said they did not respond to me within 30 days and they said they didnt care and hung up on me 8 times. 
Then they sent it to the special handling unit and the man refuses to return calls or respond to the problem when I do get him on the phone he gets my name then hangs up he is the man in special handlings unite assigned to my account when they added a fraud alert I did not request. 
And when I sent the information showing it was false reporting same as what I attached to this complaint they sent it back and said the can not use this information so they are returning it to me.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MS)

I have filed a dispute 3 times with Experian to get removed a collection account that has reached the federal statue of limitation. The original invoice stopped being paid on 2002, but is being reported on my credit report as a collection account with XXXX, XXXX XXXX XXXX. The federal statue of limitation has run out twice before the collection company even got the account. It should not be reporting on my credit report. Each time I dispute it comes back as verified. However, the debt has been re-aged in order to show up on my credit report.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MA)

XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( Experian, XXXX, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I asked Experian for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with Experian asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like Experian to follow suite .
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CO)

I had a Tax Lien which was incorrectly placed when the XXXX sent tax payment money to the IRS as I had paid two years taxes ( a XXXX and a XXXX ) with the same check. They processed the XXXX return and then found they were short the money they sent to the IRS - go figure. 
I have had the tax lien released XX/XX/XXXX and notified Experian in both XX/XX/XXXX and XX/XX/XXXX. It is still on my credit report. Again, the credit dispute process is a joke. There are no penalties for the credit bureau putting erroneous information nor in simply ignoring disputes made through their website or by mail.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

Experian has reinserted the creditor XXXX XXXX on my Credit Report. I contacted both XXXX XXXX XXXX and Experian notifying them that the debt does not belong to me. The address that XXXX XXXX XXXX had associated with me is not my address and has never belonged to me. They also attempted to add and report a new address to my credit report file after they were removed from credit report and now they are reporting back on my report. XXXX XXXX XXXX has used different tactics to add information to my report even though it does not belong to and Experian does not provide their methods of a reasonable investigation. Accepting the electronic answers via XXXX is not a reasonable investigation. I would like to know what type of investigation has been conducted by Experian to report XXXX XXXX XXXX on my report and why are the back on my report. How can they attempt to report different addresses on my report. They are phishing for information so they can report on my credit report they do n't. XXXX XXXX XXXX needs to be removed from my credit report.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (OH)

Experian Credit Bureau charged {$21.00} on XXXX/XXXX/16 and {$39.00} XXXX/XXXX/2016 to my XXXX XXXX XXXX. This is excessive charges that I would like to dispute.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (AZ)

I have an account from Great Lakes Higher Education on my XXXX credit report that shows in collections. When I call Great Lakes they tell me there is n record of any amount due and refer me to XXXX. When I call them they also do n't show that I owe any money. When I dispute this with XXXX they say information is correct. Complained with Ombudsman they say it is n't a private loan and told me to file a complaint with Consumer Finance. If I owe I am ready to pay. If account as been satisfied then would like the Great Lakes account updated to reflect paid in full.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX claim they had me in collections for my XXXX bill. I paid the original creditor in full XXXX. Never once did I pay XXXX. They sent me a letter saying I was in collections but the balance was wrong so I wrote them a letter asking for proof of original debt. Which I never received so I went and Paid XXXX off in full. I would like helvey and associates to show proof that I paid them. If they ca n't show proof which I know they ca n't so i want th collection account taken off my credit report. I paid only XXXX. They are making false statements that I paid them. I did n't know I was in so called collections since they never sent me my letter asking for my original debt which is against federal law. Maybe they could have cleared it up of they would have sent me a letter. I know they received my letter because I sent it certified. Once again if they ca n't show proof i paid my debt through them I want the collection account taken off my credit reports.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I requested Experian provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (CA)

Several months back I went to Experian to get a copy of my credit report for my husband myself, using XXXX of my credit cards. Over the last 9 months Experian has been charging my card for a monthly membership fee that I was unaware of in the amount of {$43.00} a month. They automatically enrolled me and my husband in a monthly membership without my knowledge or consent. The only reason I did n't discover it until recently is because I put that card away and was trying to pay it off. When I realized the balance was going up instead of decreasing, I checked my online statements and realized what Experian had been doing. When I called to dispute it. They said that it was an automatic enrollment and I was out of luck. I had to jump through a bunch of hoops to cancel it getting my credit card company involved to assist me. They 've charged my card {$350.00} over the last nine months. I was so upset that they would do something so underhanded. I had no idea that they automatically enrolled me in a monthly membership. Saddest part is I thought they were supposed to protect the consumer not take advantage.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (MN)

BB & T has a policy where, if the full amount of a mortgage payment is not received, they place the payment they did receive in a suspense account rather than crediting the partial payment to the mortgage loan. They leave the payment in suspense until subsequent payment is received ; they then deduct the shortfall amount from the current month 's payment and add it to the prior month 's payment and apply it to the loan and then move the current month 's payment into suspense. In our case, our payment increased due to an escrow increase ; we did n't realize that when we paid the escrow shortfall in full that our payment amount was still increasing, so we did not change our monthly remittance. As a result, we now have negative information that was reported to the credit bureaus making it seem as if we have not been paying on our mortgage at all. I believe the payment application process is an improper business practice.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (WA)

I 'm bothered by the fact that Experian sent me an updated letter stating you had verified this inaccurate repossession account. What happened to the new and relevant information I sent to your company, which proved this account is inaccurate? Did you pass this information on to the furnisher during your investigation? I 'm starting get upset and frustrated at the way your company is handling my complaint. I did what you said but you sent me another letter stating that it was verified. I 'm starting to feel really stressed. 

I really do n't want to file complaints but it seems that I do n't have a choice at this point. 

I believe you use a system called XXXX to handle investigations. Please do not rely on this system because it 's not 100 % accurate. I see that there is a lot of data on the net about this XXXX system. We are real people and not just numbers, ok. I have feelings too, and this affects I ca n't get approved for a home. 

From my research on the FTC web site, you ca n't parrot information from the creditor and collection agencies. You must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA. Please do a new investigation on the following repossession account. 



If you choose not to act, I will have no choice but to file more complaints and seek legal advice from an FCRA attorney.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I sent several letters to Experian disputing erroneous information that I believe is the result of a relative. I asked Experian to provide me with verifiable information per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) including1 ) The name of the creditor ; 2 ) The person 's name that the dispute was verified with ; 3 ) The address ; 4 ) The telephone number ; and5 ) The documentation used to verify the dispute. 
I understand that per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) that Experian must remove the items in dispute if they can not provide me with this information. They did not provide the information above and did not remove the disputed items. In addition, I sent a letter from XXXX XXXX XXXX that states that they are adjusting the reported late payments that were in fact not late. After sending the letter twice, Experian still will not remove the derogatory information. Lastly, they are reporting a collection with a company called XXXX XXXX XXXX. When I personally investigated this, I found that it was reported under a completely different social security number! I explained this to Experian and they still refuse to remove the collection. It appears to me that no real attempt to obtain verifiable information was made by Experian. They simply acknowledged that the derogatory marks are mine.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MS)

I have asked for assistance in reducing my payment due to a reduction in income ; however, Ally is not interested in helping. I was told I could make a principal reduction equal to at least 4 monthly payments, but this would not even reduce my payment by {$100.00} per month. Also, I have a reduction in income. If I could afford to make 4 payments at once, I would n't be asking for help. I was told I do n't qualify for a re-write because I have more than 36 payments remaining. I have made on time payments for the past two years and my credit score has increased since the loan was made. I see no reason why this lender ca n't assist in reducing my rate from 10.95 % to something more reasonable and affordable, rather than causing me to have to surrender the vehicle and ruin my credit.