davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (TX)

Hi, I relocated to XXXX from XXXX in XXXX 2015. Shortly after moving I transferred my insurance and registration to the state XXXX as required however I was not instructed to return my old tags to the State XXXX and they continued to send letters of insurance cancellation to me however I sent the documents there was never a lapse in coverage but come to find out it was because of transferred my registration XXXX and did n't return my tags to the state XXXX. Now they are requesting {$650.00} for the tags that were never returned and now they are threating suit / garnishments / etc for the unpaid balance however I feel that this is predatory in more than XXXX way. Can you please research this issue and see if there is anything that can be done.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

navient offered assistance to payoff my student loan as I am XXXX. I refused the assistance, and I continue to pay my student loans. however, I noticed that navient did some sort of finance change, as my payments per month were reduced in amount to be paid from, approximately, $ XXXXmonth to $ XXXXmonth. my principal was increased by a few hundred dollars when this payment change was made. I did not request any sort of refinancing on the original loan, but I feel something of the sort may have occurred.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have contacted Equifax advising them of fraudulent accounts on my credit report for the last two months. They have screwed up my report twice by having my name spelled incorrectly. On XXXX XXXX I had a report where my accounts I disputed were removed then on XXXX XXXX all the accounts were added back on and even my name was spelled wrong again. They never sent me a notification within 5 days which is a violation that the accounts was going to be added back. I called and they told me I needed a police report with the accounts listed that was fraud. I filed police report with accounts on there that needed to be removed. I called spoke to XXXX and he was very rude not compassionate about someone stealing my idenity he stated i needed a police report with a officers signature. Which is incorrect because they do n't sign police reports. I have sent everytging to prove im me and they still will not block the fraud accounts which they added back to the account after it was already removed
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: Navient Solutions, LLC. (ID)

I saw the lawsuit against Navient in the news, and wanted to provide you with information on my own account with Navient. On two separate occasions, I 've had to battle with Navient about the proper allocation of my student loan payments, on both occasions, I was ignored until I reached out to the customer advocate and threatened to take it further. ( I believe I still have the emails ). I also was told that I was ineligible for anything other than forbearance when I had lost my job and become unemployed. I tried finding an income based re-payment option, but was told I was only qualified for forbearance. I have tried to keep track of this company and their charges and fees, but the truth is, because the interest is added daily, it 's hard to maintain a balance. I feel like this company is corrupt and you can see from my payment histories that whenever I have made a complaint, all of a sudden a sum of money appears as a credit. I 've tried to make several calls over the years to speak to representatives, but they are incompetent. The only helpful people have been at the advocate office, and even then, I still feel like I 'm being cheated. If this lawsuit allows my record to be checked over and audited, I would be so grateful. I never chose Navient as a lender, I was passed on after XXXX XXXX. I really feel like there is something wrong with this company, and they are certainly not out to help the borrowers. Their practices are confusing, and I feel like I 'm being scammed.
Consumer complaint received 2016-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

I applied for a small mortgage through Iberia Bank ( on XXXX XXXX in XXXX XXXX ) in early XXXX. I sold my current condo in order to pay off all of my debts ( $ XXXX ) and lower my monthly expenses. The condo I found was $ XXXX and I had $ XXXX cash to put down ( 50 % ). My credit score was very low so XXXX XXXX at Iberia Bank said that he could work with me to qualify for a loan because my debts would be paid ( see e-mail attachment # 2 ). He was hard to reach, did n't return calls, and the process dragged out for a month. My brother was willing to either co-sign or take on the mortgage himself as he owns a small construction company, several houses, and has a credit score of XXXX. So XXXX talked to him and asked him to submit all of his information ( XXXX pages in all ). 
He faxed it to Iberia on XXXX XXXX at XXXX. The next morning about XXXX I got an e-mail from XXXX . No greeting, no closing, just one sentence, basically " you do n't qualify and neither does your brother ''. ( See attachment e-mail # 1 ) No explanation, no signed form, no phone call. I 've attached XXXX e-mails showing this unprofessional ( and illegal in terms of nothing in writing? ) behavior.
Consumer complaint received 2016-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I have consolidated my federal loans under a private lender, XXXX XXXX ( Navient ). My account shows XXXX consolidated federal loans but payment can not be differentiated between the XXXX. XXXX consolidated loan, which is subsidized, is a lot higher than the other consolidated loan, which is unsubsidized. I 'd like to direct more $ toward the higher amount but Navient says that they are unable to process payments this way. I would like to be able to instruct the lender in how to appropriate my payment, but they are not complying. Navient claims this is a limitation set by federal regulations and it is out of their control.
Consumer complaint received 2016-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

My student payments automatically withdraw from my account for my consolidated federal student loans that are currently being serviced by Navient. I have never had a late or missed payment in over 11 years. When I looked at my bank statement, Navient increased my payment from XXXX to XXXX without my permission. When I called to ask for an explanation of the increased payment, Navient stated that 11 years ago they miscalculated my payment. I have no way to verify, and also believe this to be the issuer 's error, and not my own. I agreed to an original payment amount, and have honored my commitment for over 11 years.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect (FL)

AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, approximately XXXX I was grocery shopping at XXXX around the same time someone had my debit card information and purchased item ( s ) at XXXX in the amount of {$2200.00}. When I got home from shopping at XXXX, I turned on the XXXX game and they were losing so at half time I went to check my emails and that's when I saw the email from Chase stating the charge. I immediately called chase to dispute the charge and file a claim. While I was on the phone with Chase I receive another email stating I added my card to XXXX XXXX  and there was another charge at XXXX XXXX XXXX for {$70.00}. I never had XXXX XXXX  and I don't have a XXXX membership. Chase did credit back the {$70.00} but they said I authorized the XXXX charge of {$2200.00}. I faxed information from XXXX to Chase fraud stating I don't have a membership and the one I did have expired XX/XX/XXXX and my last purchase was at the food court. That was faxed on XX/XX/XXXX at XXXX The next day I filed a police report with the XXXX, Detective XXXX is assigned to my case. I gave all this information to Chase and they said they will reopen the claim. I called Chase on many occasions to get the status on the claim, only to be told the investigators are still viewing the claim. on XX/XX/XXXX again to get the status only to be told the claim was never reopened, the claims rep. escalated the claim and transferred me to a supervisor in which the Supervisor treated me like was the criminal. From what I found out the investigator never contacted XXXX and/ or XXXX XXXX to confirm if I have a membership or an account with them. I'm doing all the investigation to prove I did not authorize these charges. I really need help with this, I feel they're saying thing just to get me off the phone.
Consumer complaint received 2016-05-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (TX)

I have paid on a consumer credit student loan since XXXX. My school did not accept federal or private loan disbursement of funds. This was living expense. After XXXX for over 10 years I am on XXXX XXXX. Consumer loans earmarked as student loans disbursed directly to me are not dischargable in ch. XXXX bankruptcy. ACS services my loan and ca n't make discussion in regard to discharge, and they will not provide me with the of the bank who owns the loan, who makes those decisions. THE PROMISSORY NOTE HAS BEEN LOST BY THE SERVICER AND THE OWNER OF THE LOAN. THEY HAVE PAGE XXXX AND XXXX. THE TERMS ARE LOST. THEY TELL ME THEY ARE UNDER NO OBLIGATION TO TELL ME ANYTHING. IF I STOP PAYING, I CAN HAVE CONTACT WITH THE OWNER OF THE LOAN. Federal loans are discharged in my situation. In bankruptcy this is no longer a consumer loan. The rules that apply to federal loans would benefit me, but now I found out the XX/XX/XXXX bankruptcy reform only punishes those with a consumer credit loan and does not afford those of us with the private loan the benefits afforded for a federal student loan holder. OF ALL OF THE RULES PERTAINING TO CREDIT, THIS IS THE MOST UNJUST AND INCONSISTENT. THERE IS NO PROTECTION OF THE INDIVIDUAL FROM BANKS WHO CREATE LAWS FOR THEIR BENEFIT. UPON MY DEATH I AM NOT EVEN ALLOWED TO KNOW WHAT WILL BECOME OF THIS LOAN. XXXX XXXX currently claims they hold the loan, but my SERVICER will not confirm or deny. Banks can change legal documents even after agreeing upon the terms and they do n't even have to keep a copy of the promissory note.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I get XXXX accounts with XXXX with XXXX different amounts who supposed to be removed and still showing on my credit report with Equifax. I want this accounts to be closed and removed immediately on the 10 days turn around. When a company removed some account for a credit agency every credit agency should do the same.
Consumer complaint received 2016-06-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (VA)

On XXXX/XXXX/XXXX I contacted ACS in order to get assistance with bringing my account current. I was told that I did not qualify for a forbearance. On XXXX/XXXX/XXXX at XXXX I called back with a rep from the loan guarantor on the line. I spoke with XXXX XXXX who said that I was eligible for a forbearance for 4 months. She further represented that my accounts would be brought current, the forbearance had been re-submitted and was pending and she had expedited it. In XXXX I received a bill from ACS requesting a payment for a date that had already passed. I began calling ACS immediately to correct the errors to my account and deterine why it was past due. I was told that the forbearance was not applied for XXXX as I was told it would be. In addition I was told that the income based repayment that I applied for was not applied until XXXX XXXX {$13000.00} ) and therefore, I was past due for the standard amount ( $ XXXX ) for the month of XXXX. I made an immediate payment as instructed in order to prevent my account from being reported more than 30 days late. I made payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have contacted ACS twice a week each week in order to attempt to reach a resolution on my account. Each time I am told something different. Most notably, on XXXX XXXX, XXXX, XXXX of ACS, informed me that the XXXX payment would be corrected to reflect the payment due of {$130.00} and that the negative credit bureau reporting for the months of XXXX, XXXX XXXX and XXXX XXXX would be removed. I was told on both XXXX XXXX and XXXX XXXX, XXXX that internal investigation requests had been submitted and that XXXX would recieve results within XXXX10 business days. Despite following up on many occassion in writing, I have yet to recieve results. I requested a copy of my promissory notes on XXXX XXXX, XXXX. I have not recieved a copy as requested. I have rquested a copy of all correspondence that was sent to me since XXXX XXXX and was told by XXXX as well as a supervisor, XXXX, that ACS would not and could not provide correspondence because it had already been sent to me and ACS does not keep a copy of correspondence. My loans are being reported as 165 days days past due on XXXX XXXX, XXXX and today I was told they are 168 days past due. Each time I call the loans are past due for a different amount, a different number of days, despite making payments on time for my current payment amounts.. I have contacted this company trying desperately to resolve my account without success or response.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

On XX/XX/XXXX Ditech Financial LLC opened a escrow account for our mortgage without our authorization and paid our Homeowners Insurance without our authorization. XXXX XXXX, our Homeowners Insurance, sent Ditech a proof of insurance form and Ditech paid for it without our authorization. Since XX/XX/XXXX I 've been on the phone for hours with Ditech to get this resolved, to be sure XXXX received our payment from Ditech on time before we got additional charges from XXXX for late payments, we had to pay Ditech back for the homeowners insurance payment to close the unauthorized escrow account, and I sent Ditech a letter to close the escrow account. Later, I started to get charged {$81.00} to my mortgage bill for this escrow account, which I previously closed, both for my XX/XX/XXXX and XX/XX/XXXX mortgage bills. I 'm currently working to get this charge removed again for my XXXX mortgage bill payment. I was advised by the representative that there is no guarantee this wo n't happen again XX/XX/XXXX when my homeowners insurance is due again. I was advised that if Ditech receives a bill or a delinquent statement from XXXX, or any company, in the future they will reopen an escrow account without my authorization and make this payment before I even have a chance to pay it directly to XXXX or any company. I was previously advised by XXXX XX/XX/XXXX that my agent NEVER sent Ditech a bill or a delinquent statement. Farmers simply sent a proof of insurance form to prove we have homeowners insurance, which is legally required. Ditech has refused to look at the actual documents XXXX sent them to prove what XXXX actually sent them, while XXXX has checked their system and sees that they simply sent a proof of insurance. The Ditech representatives simply look at the title Ditech representatives post on their own computer system but they refused to open the actual document to read the actual forms sent to them.
Consumer complaint received 2015-08-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (SC)

I purchased a vehicle from Kia motors ( XXXX XXXX ) in XXXX, SC. In XXXX XXXX, I totaled the vehicle. I informed my insurance company ( XXXX ) regarding the accident. Together they paid Kia all of the remaining balance of the vehicle with the exception of approximately {$600.00}. After finding out that I had to pay the remaining money, I paid all except {$300.00}. I checked my credit report and was amazed to find that Kia Motors had my balance remaining at over {$21000.00}. They refused to remove it and put the correct balance on my report. I had been turned down for credit and did n't know why until I saw my report. I called Kia Motors and they refused to change my report until all my balance was paid. No one at Kia mentioned anything about deductibles, or that my credit would be impacted until all monies had been collected on my loan.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I am XXXX years old. I have been using banks all my life. I had trouble paying my bills sinceA divorce and XXXX. 
I could not get credit until recently. All my debts have been paid through payroll deductions. 
I have bought a home and I do have some credit. 
It seems that both Equifax and XXXX do not have this on record. 
They say that I have a credit history of 6mo. And 3yrs. 
I have been paying both NEw York Dept ofSocial services for 20 years and have payed them much more then theReq {$210.00} per moI also paid IRS the full amount after they realized I was on XXXX. 
I have paid all debts and I think I should not have a 1-2 year history and a remarkThat I do n't pay on time.
Consumer complaint received 2015-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AZ)

I started contacting Hyundai Motor Finance on XXXX XXXX, requesting payments applied to my principal balance. Each time I was informed it would take XXXX days to be processed. I called XXXX times in the past month requesting to have the XXXX payments adjusted as instructed by the HMF representatives. As of today XXXX XXXX, only XXXX payment has been applied to the principal & I keep getting promised that they will be escalated & corrected. I have refinanced my vehicle and have been charged excess interest due to the previous payments not being applied to the principal balance, in combination with HMF not being accessible for close to a week due to incliment weather & having to wait to receive the payoff information. I feel HMF has dragged out the completion of correcting my payments in hopes to continue charging more for interest. I would not refer HMF to anyone looking for good and trust-worthy customer service.
Consumer complaint received 2016-11-01
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

1. I leased a car from XXXX XXXX in XXXX XXXX on XXXX/XXXX/2016. 
2. The vehicle had XXXX miles. The vehicle has a previous lien on it from XXXX, which prevented Title to be sent to XXXX DMV. I had n't driven the car outside of XXXX or XXXX.. I have incorrect plates on the car. 
3. When I Leased the car on XXXX/XXXX/2016, I requested XXXX registration. But changed my mind 4 days later. I went through the procedure and got Power Of Attorney from Hyundai Finance to sign when the title came in. 
4, The Title from XXXX never came to the XXXX DMV. The DMV told me it was on hold because theer was a lien in the Vin #. 
5. I called the Lien Holder and they said the Lien was on Hyundai Finance. 
6. Hyundai Finance does not acknowledge the lien. I had n't driven outside of XXXX or XXXX. I had n't taken it to XXXX. XXXX XXXX in XXXX, said they had no record of me, XXXX XXXX. The lien was n't mine. It was Hyundai FinanceXXXX 
7. neither the Dealer, XXXX XXXX , or Hyundai Finance has acknowledged the lien as theirs. 
8. They have done npthing to resolve this. I LeASED A CAR WITHOUT A CLEAR TITLE. 
9. Furthermore, if the car had been towed and been in an accident ... it was not disclosed to me. 
10. I am driving with XXXX plates and XXXX insurance ... unable to get XXXX plates. 
11. I am about to go to XXXX for 4 months. If I have to come back to change plates and registration, it will be an expensive airline and rental car expense. I think the Hyunddai Finance Co or XXXX XXXX should pay this expense, because it is their fault ... not mine. 
Please help me get a clear title, have my lien expunged, and enable me to get XXXX plates, and compensation for the additional travel expense. 
Thank you, XXXX XXXX