davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

In XXXX, i signed an agreement to be a coowner on a auto loan with someone. The original lender was XXXX Bank. They are now Ally Bank. I 've paid this car note on time XXXX the term period which ended in XXXX. The primary borrower on this loan made an agreement to keep the leased vehicle and convert it into a loan with only the primary borrower on it. This agreement was made when the company was XXXX. This request was not honored and the vechile was returned to Ally Bank. Without my knowledge or consent, the primary borrower made an agreement with Ally bank concerning the surplus charges that were owed. I did not agree with this nor was i advised or asked to sign anything concerning this. I made the required payments in which i was obligated to pay. Never a late payment or bad history. This is on my credit report and it should not be, I never agreed to anything concerning the unpaid amount or surcharges. My name should be removed from this debt since the primary borrower has agreed to pay this debt. The agreement did not involve me.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

Company : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX Number : XXXX Opened : XXXX : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been asking for an instrument bearing my signature from Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale ( attached ). 

RespectfullyXXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NV)

We submitted a short sale offer at {$200000.00} to GreenTree on XXXX/XXXX/2015. The file was assigned to a XXXX XXXX. On XXXX/XXXX/2015 GreenTree countered our offer at {$250000.00}. We received a copy of the BPO and the value was {$230000.00}. Our buyer increased their offer to the appraised value of {$230000.00} on XXXX/XXXX/2015. The file was transferred internally at Greentree to a new negotiator by the name of XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX sent another counter offer of {$250000.00} on XXXX/XXXX/2015. We have received an updated copy of the BPO that shows the updated value is now {$230000.00}. GreenTree is clearly committing fraud. based off the appraised value each time our offer met or exceeded value, yet each time GreenTree counters above appraised value.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

I have disputed several times that Equifax has business inquires listed on my personal credit file. I use my XXXX number for all business inquires why are they on my personal credit file. There is also XXXX small medical bills that should n't even be listed. I need help
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (GA)

Loan Number XXXX was Paid in Full on XXXX/XXXX/2015Seterus has not returned Reconveyance / Escrow for $ XXXX have faxed them copies of their own records in order to eliminate any question ( s )
Consumer complaint received 2016-02-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Summit Financial Corp. (FL)

SUMMIT FINANCIAL REPRESENTATIVE XXXX XXXX CONTINUES TO LEAVE DETAILED VOICE MESSAGES ON AN OPEN ANSWERING MACHINE. XXXX XXXX HAS THREATENED ACTION, TAUNTED FOR NOT ANSWERING PHONE, AND LEFT BILLING ARRANGEMENTS ON THE ANSWERING MACHINE NUMEROUS TIMES. AT NO TIME DOES HE STATE IS ATTEMTPING TO COLLECT A DEBT, OR ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
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. (NC)

In 2009 I got married and changed my last name from XXXX to XXXX. I faced over my new license and marriage certificate over with my new last name, XXXX. When I began receiving statements my name was listed as XXXX, I have never been a XXXX. I called and spoke several times about my name being incorrect and nobody could figure out how my last name was changed. I was repeatedly told to fax over my information, which they should have had on file since I already faxed it over. They said the fax never came through ( each time I called I was told this ). I do n't understand how they were able to change my last name to something it never was. 7 years later it finally got changed. I also called to explore my options when I stopped working full time and had XXXX kids to care for, I was told I could put my loan in forbearance but was not given other options available.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MN)

I always paid my Citi Card online and opted out of paper statements. About three weeks ago my online payment option was NOT available to me. It said " service not available '' when I clicked Payment option. I got a late fee XX/XX/XXXX and was due for another late fee in XX/XX/XXXX. I called CITI CARD at XXXX. I asked them to get rid of my late fee. They told me they had NO idea why my payment option did n't work. They refused. I said cancel the card. They bumped me to a manager. She also did n't waive my fee or assist me. Said I would have to call tech support. I said cancel my card and pass me to tech support. She was rude and cancelled my account. After she cancelled I refreshed my browser and all of a SUDDEN MY PAYMENT OPTION WORKED. I paid off my balance and the payment went through. I was SCAMMED by CITI CARD. It was a XXXX. I had the account for 7 years. I was scammed by CITI.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

The employees at Experian is selling and exchanging information with XXXX XXXX and reporting adverse information in my credit file.They have refused to verify the adverse information they are reporting.No one has physically verified the actual signed contract account documentation that they are suppose to have on file already, before reporting the adverse information violating my rights under the Fair Credit Reporting Act.They refused to honor my Identity Theft Affidavit omb # XXXX, Blocking Request, and Identity Theft Reprt on file with the US Postal Inspection Service.They continually send me form letters threatening not to investigate ignoring my Identity Theft Report and Blocking Request .They also refuse to do a proper investigation.This account is inaccurate because it has not been verified.They are violating my civil rights and breaching their Legal and Lawful Fiduciary Duty by not doing proper investigation before reporting this adverse account.Federal Trade Commission Identity Theft Affidavit does not have an omb # issued by the director in accordance with the act.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filling this complaint because Experian has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

Tried on several times to get my service sailor act rights. I was told to defer them I was not eligible for. I was told I must defer them and change to higher percentage rate. This also made more charges on my account. This has made my account increase and not helping me at all.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

XX/XX/XXXX Dear CFPB, XX/XX/XXXX, I took a few loans out to cover the cost of my 1st two years of college. The loans were ( XXXX ) Direct Loan - Subsidized, Direct Loan - Unsubsidized, and a Stafford - Unsubsidized. We were told these were all a fixed interest rate. However, it seems that they have increased throughout the years. We originally took out {$13000.00} ; this will exceed well over {$18000.00} by my paid-ff completion date. Next, I had another issue XX/XX/XXXX with Navient regarding a deferment. I took 1 semester off of college, which is perfectly fine to do as long as it does n't exceed that time. During this grace period, I received letters from Navient ( XXXX XXXX ) saying that I have to start paying back my loans. I called and told them that I am just taking a semester off and that I will be returning the following semester ( Which i did ). I was assured that everything would be taken care of, to disregard the incoming bills, and that this would not effect my credit in anyway. In the end, nothing was handled, and it was turned into my credit as a default. This hurt my credit tremendously and I 've been battling to get it up ever since. Naivent did not provide the correct information to my credit reporting company therefore my credit suffered, ultimately costing me thousands of dollars throughout the years. I believe I will be getting a lawyer to help with this issue and help retro pay me for any inconvenience I 've had to experience throughout the years I 've had to deal with Navient. 

Thanks XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AP)

Navient has lost my payments on several occasions, then taken away the benefits that I should get for paying on time. I 've had to fight them multiple times because this keeps increasing my loan balance. I 'm also on an income based repayment plan. Every year, they miscalculate my income, and they try to force me to pay more than I should. I spent three months this year getting that straightened out and called several times a week. I was literally in tears thinking I had to pay over {$700.00} in loan payments instead of {$78.00} a month all because multiple people did n't know how to calculate a loan payment, kept doubling or tripling my income, and refused to listen when I explained to them what they were doing wrong. On top of this, I live overseas, so they 've made it incredibly difficult for me to resolve issues. I 've had to get up in the middle of the night more times than I can count to call about one issue or another. It placed undue stress on me. This last fiasco happened the month I delivered my baby and went on for two more months. Instead of sleeping a XXXX, I was staying up late and dealing with their mistakes. Right after they fixed this one, they went on to lose two of my payments that were made on time. Furthermore, they have called and harassed my grandparents about my loans even though I 've repeatedly asked them not to. I 've put in several complaints and asked them to remove their telephone numbers and contact info, but they refuse to. My grandparents are in their XXXX 's! The worst part of this was that they were calling to say my payments were late even though I 'd called several times, letting them know the payments had been made earlier than required but they 'd lost it, or, in one case, misallocated it. So, they had their money and still continued to call for months ...
Consumer complaint received 2016-10-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Navient re-amortizes my loan every quarter so they can keep making money from interest. When my loan started, it had payments around {$100.00} per month. I have been making separate individual extra payments and as a result my auto-debits got down to about {$30.00} a month. This should be illegal as they recalculate the payment based on amount and time remaining on the loan for the purpose to keep my loan alive as long as possible to make as much money from interest as they can.
Consumer complaint received 2016-04-13
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA (AZ)

Due to a medical issue, I was forced to quit my job. XXXX bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for XXXX XXXX XXXX. On XXXX XXXX we received an XXXX form from XXXX, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from XXXX telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. Late XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with XXXX. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they XXXX agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client National Collegiate XXXX XXXX Trust ( XXXX ) owned the loan that was sold to them by XXXX back in XXXX. 

While there, the attorney XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently XXXX is appealing the ruling and we have another court appearance this Friday XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can XXXX sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to XXXX XXXX dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (CA)

I had a private loan dispersed with National Collegiate Trust. There is not phone number to contact them or anything like that. I deal with American Education Services to pay my bill and apparently they give National Collegiate Trust the payment. I ca n't afford the payment and they are not working with me to lower my payment. My interest in 7 % and my loan is too high due to interest. the Original loan was taken out for {$28000.00} and has now increased to {$51000.00} They have doubled the interest and will not work with me. I have tried to work with them by paying some of the payment, however, they still call and harass me to make payments I ca n't afford. My account number is, XXXX. My name is XXXX XXXX.
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NC)

On XXXX XXXX, 2015 I XXXX XXXX XXXX opened up a CHECKING and SAVINGS ACNT AT SUN TRUST BANK BRANCH XXXX nc XXXX, CSR XXXX XXXX XXXX XXXX. She did not give me all my bank opening ACNT PAPERS nor MY beneficiary page in WHICH SHE DEMANDED MY CHILDRENS SS #, DOB AND NCDL #, JUST FOR THEM BEING THE BENEFICIARIES ON MY ACNTS, SO I WENT BACK THE XXXX, withdrew {$350.00} from each ACNT CHECKING and SAVINGS WITH NO PROBLEMS THEN ON XXXX XXXX, 2015 SUNTRUST BLOCKED ME OUT OF MY ACNTS AND PLACED " A NO DEBIT STATUS '' ON MY ACNTS AND TOLD ME THEY WERE CLOSING MY ACNTS BUT I HAVE {$50.00} in each ACNT AND WAS TOLD THEY CANT GIVE ME A TIME FRAME ON HOW LONG IT WILL TAKE FORM THWM TO MAIL ME CHECKS FOR MY TOTAL OF {$100.00} combined money in my aunts that was CASH DEPOSITED IN THE FIRST PLACE ON XXXX XXXX, 2015. HOW IS THAT NOT STEALING, BANK MONEY LAUNDERING, FRAUD ON THE BANKS PART BY XXXX XXXX XXXX CSR XXXX BRANCH!!! 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (AR)

Even though Navient set, mandatory monthly interest payments have been paid, my total repayment amount has increased due to massive interest increases. My repayment went from {$45000.00} to {$52000.00} in a year. How can this happen? I 'll never be able to have a life. Help me.
Consumer complaint received 2015-08-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CL Holdings LLC (AL)

XXXX has been reporting my past due bill since 2008. This year marks the 7th year that is suppose to fall of my credit report. Collection agencies are buying collection debts that are 7 years older and putting them back on peoples credit file for another 7 years. This is causing me a great deal of stress when i know, they ca n't do this. Its being reported back on my credit file but under a collection agency not XXXX. XXXX deleted their account and jefferson put it back on when it was suppose to fall off this year. Not it restarts the 7 year thing all over again. This is not fair to the people, buy using this dirty tactic to keep it on peoples credit report forever.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (WI)

On XXXX XXXX, I received an email from Experian. 
Subject : Notification : Your XXXX Score has changed! 
I clicked the button that read : " Check your XXXX Score Now '' I landed on a webpage with XXXX buttons. " See all XXXX scores '' or " See XXXX score '' There was absolutely no indication I was placing an order. 
No information that my credit card would be charged. 
No visible dollar amounts. 
No please review and confirm your order page. 
No email confirmation that I had placed an order. 
I have been scammed by Experian as they charged my credit card {$39.00} without my authorization. I have sent Experian an email requesting a refund just prior to filling out this form. CFPB, Please see what you can do to facilitate a prompt refund of {$39.00}.