davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Equifax continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I leased a XXXX through Ally Financial with XXXX miles per year ( XXXX total miles ) that was left in immaculate condition on return with about XXXX miles on the vehicle when returned in XXXX. I had previously taken the vehicle to XXXX to review the tires wherein I was informed that there was plenty of tire tread to meet typical safety standards and was advised by XXXX that I should not need to replace the tires, etc. as the tread was in excess of XXXX '' tread remained above the tire safety line. In addition on return I paid a {$0.00} per mile overage charge on the vehicle to Ally. Ally claims their lease contract requires XXXX '' tread and are wanting to charge {$830.00}, or {$200.00} per tire. On returning to XXXX I learned of XXXX things, 1 ) the tire cost at XXXX is {$110.00} per tire, or {$450.00} total and 2 ) the XXXX '' tread requirement is impossible to achieve on a XXXX mile lease and in fact, in XXXX 's professional opinion, that tread depth could not even in all likelihood be achieved on XXXX miles per year ( XXXX ). I feel that Ally is misleading consumers with the tire XXXX '' tread lease requirement, as well are overcharging for tire replacement costs versus the market and finally are double dipping by adding both the {$0.00} mileage overcharge and replacement tire charge.
Consumer complaint received 2017-04-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP (FL)

I have made a numerous attempts in trying to get Elan Financial Services to validate this debt that they say I owe {$15000.00} On   XXXX   I mailed a certified letter  XXXX  and on  XX/XX/XXXX  and certified mail  XXXX  I mailed a certified letter  XXXX  to Elan Financial services and I confirmed that both were signed for. I requested that they validate this debt that they say I owe and in validating this debt I am requesting competent evidence bearing my signature showing that I have or ever had some contractual agreement to pay. And asking them to comply with the FDCPA if they can not validate the debt then they must delete it. Well they have yet to validate this debt. On  XX/XX/XXXX  I contact  XXXX  certified mail  XXXX  sending them proof that I have disputed this debt with Elan Financial Services but they refuse to validate the debt or delete it. On  XX/XX/XXXX  I got the confirmation of the dispute from  XXXX  #  XXXX  and I noticed that not only did they not delete this debt that they can not verify but they violated the FDCPA by not marking it as " disputed '' within 30 days as you will see on my the attached results. This violation is {$1000.00} in damages owed to me for this occurence
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

We feel that we are being treated unfair and that there are deceptive practices happening with the  1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a so lid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you  XXXX   XXXX  and  Ditch for ta king the little guy out even though they have worked their hardest to pay their obligation in full back to you.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TN)

I accepted a promotional 0 % interest for a {$11000.00} transfer. I entered my credit card information correctly but they transferred the money to someone elses account. I reached out immediately and was told several different things. The dispute took almost 2 months and they never reached out by phone email or mail, but closed the dispute. had I not been calling every week I wouldnt have known. They closed the dispute stating the money was transferred correctly to someones XXXX  loan.I do not have a XXXX  loan. I called and spoke with 7 different people over the last 2 months and no one could help me or send me to anyone who was working on the dispute.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

Nelnet has a auto-payment option that is not favorable to borrowers repaying loans. This auto-payment option, if you have prepaid your loans or if you are paying more than the minimum, distributes your payments to favor paying off lower interest loans instead of higher interest loans that will ultimately cost the borrowers more money in interest. I have aske d NelNet 's customer support multiple times to favor paying off the high interest loan when I have overpaid and when I have prepaid. However, NelNet has never honored my requests. NelNet has instead continued to distribute my auto-payments to favor my lower interest loans, thus forcing me to pay more in interest on my higher interest loans. Anyone with basic math skills could tell you that paying off your higher interest loans first is better for the borrower, so it is really confusing to me why NelNet  continues to favor paying off lower interest loans.
Consumer complaint received 2017-04-20
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (TX)

This account was paid in full and is in good standing on my credit report but it has  XXXX  duplicates of the same exact account still remains negative on my credit report showing that I owe when it 's paid in full and it 's effecting me making big biggest
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (SC)

Debt was written off. Company purchased debt that I do not owe. I have no agreement to pay debt with a company I did not assume debt with. Repeatedly call asking for payments and money while refusing to give information as to who they are.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (NC)

I have sent multiple letters  to ENHANCED RECOVERY CORP in  regard to an collection on my account some letter have come back address not valid. by law if they have not sent any information to validate my debt then it should. be removed. I have no knowledge of this account nor do I have an actual contract with this company..       Under the Fair Credit Reportin g Act, 15 U.S.C. 1681g I have the ri ght to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ).  By publishing these inaccurate and unverified items on my credit report and distributing them t o 3rd pa rties yo  u are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have   on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.   has an consumer I have the right to dispute any information on my credit report that In fact think is not valid at all.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

Since incurring my student loans - I have been called, harassed, and disrespected every time I had an interaction with anyone from Navient with the exception of the la st 3 or 4 phone calls. After exiting college ; I knew nothing about how to pay back student loans or what my options were. When I called Navient they told me that if I could n't afford to pay the loans I could easily put them into forbearance. They made it sound like this wa s my only option. After I did it the first time, they would just text or email me and tell me to reply " YES '' to keep my loans in forbearance, so that is exactly what I did ; what I thought I had to do. I could not afford the payment they wanted from me, and I was worried about what my loan status was going to do to my credit. I did n't know that during forbearance my already high interest rate was going to continue to accrue at a rate so fast that by the time I realized what was going on I owed almost as much in interest as I did in original principal. In    XXXX   XXXX   XXXX      I attempted to work with  Navient  to pay off my loan in one lump sum. I offered to pay them {$21000.00} if they would " forgive '' the remaining  XXXX   XXXX  dollars I owed them ( which would be a very small portion of the exorbitant interest I had accrued ) but they refused to work with me at all stating that they were not allowed to negotiate any deals. Had I not been steered wrong from the beginning, my credit report and I would both be in much better shape than we are today. In  XXXX    XXXX   I finally applied for a different repayment plan and I 'm still waiting to see if I have been approved. I truly believe  Navient  is a scam of a company and only out to benefit themselves and turn the largest profit possible at the cost of the student borrower.
Consumer complaint received 2017-04-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Allgate Financial, LLC (CA)

I was sued and had a wage assignment for a credit card issued by  XXXX  that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done b y Equable Ascent Financial LLC  and  XXXX    XXXX   XXXX  . I want to recover my funds.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I made a student loan payment th rough Navient 's online payment system. They duplicated the payment, taking it out of my bank account twice. I 've called and emailed several times and provided proof of the duplicate payment. They keep saying that I made two payments, which does n't make any sense at all, and have not refunded the money. My loans have been up to date for years and I am not behind on any payments. I can not afford to make two payments in one month since each payment is close to {$600.00} and I am in the income base d repayment system. This has caused me financial hardship and I just want the money returned to my account.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc. (MA)

I have a 60 month loan fro m Carmax f or my   XXXX   XXXX   XXXX  , which was opened in Georgia in   XXXX   XXXX   XXXX  . This loan is in good standing and is in fact more than paid off in terms of the equity outstanding on the loan than would have been due at this tim e (   XXXX   XXXX   XXXX   ). T here are however late payments being reported to   XXXX   and  XXXX  alleging late payments in   XXXX   and again in  XXXX  even though the loan is in good standing. These allegations are hurting my score and I have repeatedly asked the credit unions to remove these.   XXXX   has removed them a couple times to ensure fairness but unfortunately they keep re-appearing on  XXXX .  XXXX  has not removed these items at all. These need to be removed forthwith from both   XXXX   and  XXXX  and   XXXX   too, although I am not sure the status on  XXXX .  Carmax give s the run-around and refuses to deal with the issue. My loan is in good standing and I should not have alleged late payments from the past hurting my scores. I ask that  XXXX ,  XXXX , and  XXXX  be instructed to remove these from my reports.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NJ)

I was the victim of aggravated identity fraud per th e US  Department of Justice. I was advised to fill out paperwork on the FTC website and I did and correspondedly sent letter to the affected accounts of mine. I sent letters  to 6 of my cr editors in early   XXXX  . Since then  4  have deemed  the U  S  DOJ and the Internal Revenue Service as accurate that fraud took place regarding my name and my wife 's name. For some reason Barclays and  XXXX   XXXX   (   XXXX  is still in review ) are the only ones who have n't refunded me my money. Barclays flat out denied my claims all the while disregarding the paperwork the federal entities have provided.  XXXX   XXXX  in the  Executive Office  has n't followed through on my request that I get the reason for denial with the corresponding reason why each charge is being stuck with me. I 've reached out to several of the vendors on the list and they have inaccurate information on me whether it 's the wrong name, address, etc . Barclays c learly did n't do a full review on these charges. I 'm submitting this again so this file can be reviewed again in full. I 've Also submitted these papers to the Delaware state banking commission that also regulated Barclays on the state level. They 've received my paperwork and based off our hour long phone call, they were in agreement that  Barclay  's has n't been forthcoming among other issues. I 'm submitting this through the CFPB to get further help so the money stolen from me can rightfully be returned. Many thanks for your review
Consumer complaint received 2017-04-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: WINN LAW GROUP, APC (CA)

XXXX  was notified by my employer about a possible wage garnishment regarding a judgement I had never made aware of. I was shocked when I found it this legal action was filed in  2012.  I was not properly served, and I have a very strong suspicion that they purposely lied about whom they served in order to push this lawsuit through and obtain a default judgement. Furthermore, the law firm has engaged in unfair and shady practices by attempting to use outdated writs to try to seize my property. When I spoke with they  Winn Law Group, a nd asked them why they did n't serve me personally or attempt to contact me back in  2012    to resolve this, they were extremely rude and condescending. The debt has grown to enormous amounts and it is a clear attempt to use the legal system to inflate the debt and force me into paying close to triple the original balance.
Consumer complaint received 2017-04-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Local Chase  branch continually calls me when I have 'large ' sums of money in my checking account trying to get me to setup either an additional savings account, investment account, or something similar. These calls come from multiple people, and it 's not acceptable. I get these calls throughout the year due to being self-employed and paying my estimated taxes, as those payments come out of my checking account.
Consumer complaint received 2017-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alpine Credit, Inc (CO)

I payed the debt with the agreement it would be removed from my credit report in 2013, but to date have been unsuccessful in getting them to remove it. Each time I call, they just tell me they ca n't remove it and they never agreed to that. Creditor is Alpine Credit in XXXX, CO. Phone is XXXX and address is XXXX XXXX XXXX, XXXX, CO XXXX
Consumer complaint received 2017-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MN)

Navient continues to make it impossible to pay off my debt. The company has raised my interest rate to 10 % on several of my private loans. When I called to discuss interest rate lowered program the representative wanted all of my co-signers information as well. I am unable to give financial information for my co-signers. Also as co-signers they have no obligation to assist with my loans unless I go into default.
Consumer complaint received 2017-04-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK (TX)

I co ntacted Discover Card to g et a debt loan consolidation. I was quoted 11.99 % and 10.99 % with direct deposit. I decided to shop the loan around for a few days and called back to accept. When I called back, I was again offered the same rates, but I inquired about getting something even lower than 10.99 %. After speaking to a supervisor she ensured me that 10.99 % was the lowest rate they could offer me. I decided to accept the offer and when I received the paperwork I noticed they kept the rate at 11.99 % and did not lower to 10.99 % as promised with direct deposit. I have all of this on a recorded line and they are refusing to honor their initial request.
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc. (KS)

I contacted RGS regarding an item on my credit bureau. I advised them I did not believe the item was not mine. RGS never disputed the account and then tried to use deleting the tradeline as a ne gotiation tactic to get me to release any legal claims against them.     The attached documentation will clearly show that  RGS  is not disputing, disputed accounts resulting in unfair reporting to credit bureaus and additionally has created an un-fair collection practice for which the least sophisticated debtor would have to use " Magic words '' in order to have their account disputed. They are friverously disregarding FDCPA and FCRA in conjunction with their attorney  XXXX   XXXX .
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (WA)

Hello, For several years, I 've paid $  XXXX  to Experian for their credit monitoring service. If you look at the attached document, printed directly from Experian 's website, they say my score is  XXXX . You can see the url on that document.     I am also a member of  XXXX  and signed up today for Experian 's free credit monitoring service that they offer to  XXXX  members. The reason I signed up for it is because the  XXXX  website was showing my Experian  credit score  at  XXXX . ( I have also attached the document that shows that score, directly from Experian 's 'USAA only ' site, with url ).     A  XXXX  point differen ce is HUGE!!! I  want to know whether my Experian credit score is  XXXX  or  XXXX . Furthermore I want all of the money back that I 've paid to Experian for their credit monitoring service throughout the years since it is innaccurate.     If I do n't get my money back, I 'll request copies of the credit reports that  XXXX  pulled yesterday and that  XXXX  pulled  XXXX . Since I was rejected for both of those credit cards, I am certain that my Experian score will not show as  XXXX  which is what the Experian  Credit Monitoring Service t hat I 'm paying $  XXXX  for says it is.     It seems like I 'm paying for eith er 1 ) inaccurate information, or 2 ) a type of credit scoring model that no one is actually using to determine my credit   worthiness.     Please give me my money back.     Thank you.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Equifax is reporting incorrect unverified incorrect Bankruptcies on my credit report i have requested several investigations into my correcting my report but the issue still hasn't been investigated or corrected and was claimed to be verified through XXXX i recently obtained a copy of my XXXX report which show no Bankruptcy being reported so i am requesting and investigation to correct the issue
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

I 'm a veteran and my gi bill was supposed to cover my schooling. Not only was my gi bill never used, like i told them to, but i was also a single parent and should 've qualified for a pell grant, but instead they did n't even offer that to me. They persuaded me into doing these loans.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I tried to get a loan fr om Ace Cash Express a nd was told I had to give {$200.00} to start the loan process, and I gave it, then I was t old I needed to give {$400.00} for insurance purposes because I have poor credit, and to send it to a person located in the bank department, and I did along with {$25.00} for  XXXX , they got it a man named  XXXX   XXXX  was in charge, and he received it, now we are talking {$620.00} before I even get the loan. Now  XXXX   XXXX  says he wants another {$470.00} for a sponsor because of my poor credit!! I refused and said I just want my {$620.00} back and forget the loan ( this has been going on  for 5 w eeks now ) and now the chase is on for my money back,  XXXX   XXXX  has not answered my repeated phone calls and texts all I want is my {$620.00} back please help me thank you!!