davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

I need to file a complaint on behalf of Equifax. I asked them about 2 months two months ago to investigate a account by the name of XXXX I Never got any results or feed back on this fraudulent account I would Like for Equifax to delete this info since it has been well over 30 days.. And I never got response or a updated credit report with an update this is a violation of the FCRA
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

After multiple letters sent to Equifax credit bureu hard inquiries and accounts are still showing please help remove from my credit report. 
The following inquiries were not approved by me and I do n't have accounts with them : XXXX The following accounts should be deleted : XXXX
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Was looking to getting a car. XXXX ran my credit through their banks, when I was told it would only be ran through them. I ended up with 6 inquiries from that transaction. I have spoken to both experian and XXXX and they have said the other entity would have to delete it. The following are the accounts in question : XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Consumer complaint received 2017-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MO)

Talked with company, told the situation company contacts me on my cell but is now calling my work number. This is federal government number. All calls are monitored and recorded through my work line. We are not to receive or make calls out side of work at work. Contacted on XX/XX/2017 at XXXX. They can not call my work number leaving voicemails. I have a cell phone number it is XXXX. I have spoken with them and they know my phone number.
Consumer complaint received 2017-04-17
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Several checks were issued from XXXX for possible claims reimbursement or some type of distribution of money. These checks were signed by another person and my signature was forged on others and the checks were cashed. After speaking with XXXX, they said it was Chase 's job to create an audit/test the process from the check cashing. Chase also released my personal information after it was changed to another party causing further distress.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I purchased a XXXX queen-sized mattress from Macy 's in the XXXX in XXXX, VA for {$1500.00}. This purchase was part of a special promotion that was interest-free for 24 months. However, in my XX/XX/XXXX statement, Macy 's charged me {$31.00} in interest. I contacted Macy 's consumer line ( XXXX ) to bring this to their attention, and was informed that this was an error and that it would be corrected and the {$31.00} would be credited to my account. I received a letter from Macy 's dated XX/XX/XXXX also noting this. 

Unfortunately, when I received the statement for the XX/XX/XXXX payment, I noticed that not only had the {$31.00} not been credited, but I was still being charged interest, this time in the amount of {$28.00}. On XX/XX/XXXX, I again contacted Macy 's on the phone and was told that this would be corrected. I spoke with " XXXX '' ( id # XXXX ) and was again assured that the wrongly charged interest, now in the amount of {$60.00}, would be credited to my account and that interest would no longer be charged. 

I am now contacting you in the hope that you can help with this matter, and I do not have confidence in Macy 's accurately fixing my account and refunding me the money it has erroneously charged me.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (KS)

I received XXXX from the XXXX for student loan forgiveness. Fedloan Servicing agreed to apply the amount to my loans and set it up so that I would not have to pay again for 4 years. I have made numerous calls to them and they tell me everytime that it is fixed but they still show my account as in forbearance and I can not see where the money was applied on the website. I have emailed them as well but they do not respond. I am now trying to purchase a home but this is causing an issue now.
Consumer complaint received 2017-04-16
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA (TN)

Original loan was created by us Dept of Education on XX/XX/XXXX. I filed for Chapter XX/XX/XXXX. At some point during the Chapter XXXX my loan was transferred to Fedloan Servicing. My Chapter XXXX was fully discharged XX/XX/XXXX with all debts satisfied. Fedloan shows that I owe them {$870.00} on the loan and the court shows paid in full. Payments from the court were paid to US Dept of Education. When I spoke with a rep from Fedloan Servicing, I was informed that it was not their fault the payments were sent to US Dept of Education and they were not recovered to them and it was not their responsibility to research this matter and that I pay it or it will go into default. My credit report shows the original loan from US Dept of Education was rendered and that it is closed. Fedloan Servicing shows the original loan amount and dates as US Dept of Education but the account is past due. I have disputed this with the credit bureaus with no success. This is also preventing me from rebuilding my credit.
Consumer complaint received 2017-04-17
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 have been dealing with Navient trying to repay my loan for over 2 years now. They have been nothing but rude and unhelpful every single time I have to call them about my loans and I end up in tears by the end of the conversation. I am a single mother of XXXX children and am only able to work part time. I have a co-signer on XXXX of the loans but she is a small business owner, still raising children and can not help me at all with my payments, but Navient seems to think that money just grows on trees. I have to make two separate payments every month, one for {$93.00} and the other for {$160.00}, I bring home {$120.00} a week..that 's {$480.00} per month and I have to pay rent and put gas in my car to get to work. But it gets better, Navient seems to think that the money I receive from Child Support for my children should be used to pay for my student loan every month. This is what has sent me over the edge with this company. They are taking 85 % of my earned income every single month and they think the money I receive to feed and cloth my children should be used for myself instead of them? I have a few choice words for Navient because I am not one of those mothers who thinks its appropriate to use child support money for anything other than my children. I will be writing a letter to President Trump regarding the unethical use of children 's money to pay student loan debt by these rude sharks. Child Support is not my income, my part time job is my income and I am deeply offended by the fact that this company thinks they have a right to money that is for my children. We can circle back to the XXXX these rude customer service people who talk to me like a piece of dirt cause me every time I call asking for their help. I am not trying to default on my loans, I have already filed bankruptcy and my credit is nothing but I am trying, in good faith, to pay back my debt and they are literally robbing me. I just want someone to listen, someone who cares that they taking child support money away from children with separated parents. My children already have it bad enough only having one parent and Navient wants to take it a step further and rob them of money they are entitled to for their own selfish gain. I only made {$15000.00} last year and will only make {$5000.00} this year, Navient will take over {$3000.00} from me, more than half of my earned income. This is not right, this is going to negatively impact my innocent children and this is so, so wrong. Please hear my concerns..Please assure me that something is going to be done about this unethical use of child support monies by this company. I just want to be heard and I want my daughters ' child support money to be used for what is intended to be used for.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (SC)

Citifinancial fa iled to participate in the  XXXX  Help mortgage relief program and not only me, but to others as well. I was unable to receive help from the mortgage relief program in  XXXX  which caused me difficulties, because you would not participate.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CarMax, Inc. (NC)

CarMax Business Services LLC  sold a car on   XXXX   XXXX   XXXX   and provided financing to someone who they should have known was not qualified to borrow any money. The person they provided the financing to has not had a job for over  XXXX  years and has never had a credit card or a loan. If they had done even the most basic credit check, they would have been able to determine this. Instead, the buyer was given a loan at almost 12 % interest. He will not be able to repay the loan and his family members had to assume the debt to avoid the risk of having the car repossessed.
Consumer complaint received 2017-08-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

1. This XXXX is a XXXX XXXX VA XXXX Veteran entitled to the lowest Interest Rate VA Home Loan by Federal Law because of my COE but Wells Fargo who has VA Home Program refuses to process a VA Home Loan for this XXXX. 

2. Wells Fargo as a Financial Institution is abusing this XXXX and Family with XXXX Discrimination and Extortion Practices when collecting their mortgage payments from Families like ours which violate Federal Law. On XXXX XXXX, 2017 the Supreme Court ruled against Wells Fargo for these practices and Wells Fargo has agreed to pay Settlements to families like ours who have been victimized for their illegal practices and that have violated Federal Law. This XXXX is in desperate need of a Lawyer of Law Firm to help us secure our portion of these settlements. 

3. This XXXX is presently fighting Wells Fargo in Chapter XXXX U. S. Bankruptcy Court in order to protect our home from an illegal and Wrongful Disclosure Procedure and not lose our home. This XXXX XXXX VA XXXX XXXX Veteran is in desperate need of Legal Counsel who is willing to fight with us and is familiar with The Federal Law in Title 38 USC Sec. 5301 ( a ) ( 1 ) which states the following : " he shall be exempt from the claim of creditors, and shall not be liable to attachment, levy, or seizure by or under any legal or equitable process. '' The Legal Counsel or Law Firm must also be familiar with Title 38 U.S.C. 5305. states Because XXXX benefits, unlike retirement pay, are exempt from taxation, 38 U.S.C. 5301 ( a ), such waivers are common. See XXXX v. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ''. 

To Learn more please visit : http : XXXX
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

They removed XXXX XXXX AFTER MY DISPUTE INVESTIGATION. OF ALL XXXX ACCOUNTS THAT DO N'T BELONG TO ME. I AM ASKING THAT THEY REMOVE THE OTHER XXXX ACCOUNTS LISTED AS XXXX FROM MY CREDIT FILE. 
ALSO ACCOUNT XXXX XXXX DOES NOT BELONG TO ME. THIS ACCOUNT AS BEEN REMOVED THROUGH XXXX CREDIT BUREAU AFTER THE INV ESTIGATION OF MY DISPUTE. PLEASE CONFIRM THIS STATEMENT WITH THAT CREDIT BUREAU. I have attached proof of certified letter I sent regarding this concern. Also evidence of the REMOVALS that have occurred by EXPERIAN regarding those accounts.
Consumer complaint received 2017-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NY)

I receive 7-9 calls a day but the final straw was on XXXX Sunday after XXXX. I called navient today to let them know they had done this and I was told by a rep named XXXX XXXX that nothing wrong was done. I was with my family enjoying food and on a holiday and was interrupted.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, XXXX I received a bill for XXXX charges made on Citibank Credit Card XXXX in the amount of XXXX and XXXX made NOT BY ME at XXXX in Wisconsin. I have never been to Wisconsin. I did not make these charges. The account had a XXXX balance, I had cut up the card and I had not used it since XXXX. I contacted Citibank Credit Card then, in XXXX XXXX, about the fraudulent charges and they said they would resolve the problem. I continue to receive bills for these XXXX charges and now monthly late fees. I continue to call Citibank to no avail. I just spoke to another operator in XXXX who was no help. I have talked to operators in XXXX, XXXX, Kentucky, and other cities in the XXXX speaking world, told them about the fraudulent charges and the late fees and nobody has done anything about it. I continue to receive phone calls, text messages, and bills on these charges and the late fees which accrue upon them.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

I had an account in collections that was paid. Exquifax has not updated or removed the account. I submitted a dispute, which they " investigated '' and responded with the information being " verified '' and an overdue balance. I contacted the creditor, who verified that the account was paid over a month prior and that the account had been updated with all XXXX major credit bureaus. I again contacted Equifax, they refused to update their information or attempt to resolve the misinformation.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I mailed a Multiple Inquiry Removal Letter by mail to dispute information, regarding hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. I also mailed out a letter disputing inaccurate reporting items on my credit that was received at their location on XX/XX/2017 but the request was also completed on XX/XX/2017. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have provided proof of the letters I sent along with the date it was received at their location. Also, I provided proof of the date that their response was written back to me. If I received it on XX/XX/2017 that means it was mailed out before this date.
Consumer complaint received 2017-04-12
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (ME)

JP Morgan Chase admitted to making an error, in regards to the Assignment of mortgage. Also, in regards to communication tactics, JP Morgan Chase stated a message was left via voice mail. JP Morgan Chase claims this message was left on XXXX. I am NOT the legal owner of said number, which could possibly reflect my personal information, in regards to my account could have been disseminated to the incorrect party. My contact information, in regards to prior complaints, was the same then, as is now. In regards to notes on this account, I am in possession of a certified check receipt, issued to JP Morgan Chase, on behalf of the XXXX, on or about XX/XX/XXXX. Also, I am possession of payment receipts made, in regards to this account, from several financial institutions. I have also been able to obtain the exact copy of the VA Streamline application, which was sent to me from JP Morgan Chase, which hereby provides concrete proof of the second mortgage not being subordinated. I have also managed to obtain all copies of my credit reporting files, from XX/XX/XXXX, until XX/XX/XXXX. Inside the body of these credit reports, there are serious, as well as major irregularities, with the manner to which it is being reported. I have also obtained cell phone records from XXXX The time period is from XX/XX/XXXX, until XX/XX/XXXX. JP Morgan states there were several attempts to contact me, via telephone. I am in possession of a letter, sent by JP Morgan Chase, any and all attempts to contact me via telephone, would cease. Also, JP Morgan Chase states I attempted a loan modification under the Soldiers and Sailors Relief Act. Knowing that I left the military, in XX/XX/XXXX, I knew applying for this loan type would be of redundancy. I recently returned from cleaning out my storage area, and every document mailed to me, from JP Morgan Chase, and any party involved in the life of the loan, dating back to XX/XX/XXXX, were in boxes. Uploading of these files are considered cumbersome, as the total size of the files are over 26 gigabytes.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (GA)

I was asked on Experian and XXXX security questions about a car loan that I possibly obtain in XX/XX/2015 and about the lending Institution and I have not obtained a car loan in XX/XX/2015 or any other kind of loan! I was denied access to my credit reports. I encountered this same issue about three years ago and was never able to come to get my credit reports. However today I was able to access XXXX credit report but I seriously need my other XXXX. I 'm afraid I am a victim of identity theft or something and I need some answers immediately, I 'm scared.XXXX
Consumer complaint received 2017-04-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (CT)

I got my car from the dealer and I realized 6 months down the road when no bank wanted to refinance my vehicle, that I was truly duped with my car. Inspite of my very good credit they just would n't do it because the other banks said my car was sold way over its value I have been paying my car faithfully even before the due date but the lender refuses to give me a better percentage. I 'm stuck at 11 percent. My car has been to the mechanics for factory problems since day one. But I do n't want to ruin my credit so I continue to pay it. I 'm hard working productive member of society and it needs to be looked into. The loan company has gotten sued many times from the research I made.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NY)

I called XXXX to have a credit freeze lifted on my account. While all other credit report companies were able to complete this with no issue, XXXX told me it would be a XXXX dollar charge and that they would not do this for me indefinitely. They wanted an " end date '' so that the next time I needed a credit inquiry I would have to pay them an additional {$5.00}. They then without my consent charged me an additional {$39.00} for a credit report package that I never agreed to and did not want or need. When I saw the charge hit my bank statement, I called them and they refused to refund me the {$39.00}, citing that I had agreed to a " verbal contract '' for the charge. When I asked them to read me the " verbal contract '' I agreed to, they refused. They also refused to investigate the recorded phone call I initially had to see if I had in fact agreed to anything at all.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (OR)

I noticed that Experian had, unbeknownst ( and unauthorized ) by me, had signed me up for monthly credit monitoring. I did n't notice it until the second month, at which time I contacted the company. I was able to get the account cancelled and to get the second month 's charges reversed. However, the customer service rep was " unable '' to reverse the first month 's charges. She transferred me to a supervisor, but that person never picked up, so I abandoned the call and submitted a dispute through my credit card company. I 'm still waiting for the results.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I disputed the referenced accounts above on XX/XX/2017 and XX/XX/2017. The credit report and alert received on XX/XX/2017 showed the item was removed between the date of XX/XX/XXXX - XX/XX/2017. The credit report and alert received on XX/XX/2017 showed the item was removed between the dates of XX/XX/XXXX-XX/XX/2017. As of XX/XX/2017, Equifax now shows the items have been reinserted on my credit report on credit file confirmation # XXXX Therefore, I need your assistance in having Equifax remove the negative item due to violation of the FCRA.
Consumer complaint received 2017-04-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc. (TN)

I did a little research on repossession of vehicle ( automobile ) and came to the conclusion that there was NEVER a loan ... but an extension of my credit for the purchase of the automobile. Carmax took me to court and was awarded the automobiles back. General sessions court had NO jurisdiction because the amount was well over {$25000.00} dollars at that time I made the judge aware and she said she did. And identity theft. .fraud!