davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (AZ)

In XXXX I needed money to help getting to a job interview in XXXX, XXXX from XXXX XXXX. I had received a flyer in the mail from Big Picture Loans a couple weeks earlier. I took out a {$600.00} loan with a fee of {$210.00} for a total of {$810.00}. I have made {$630.00} in payments thinking that I only had one payment of {$210.00} left. I called today to see what my balance was and found out that it is still {$810.00}. I was never told that I would be paying {$210.00} in interest each month. I was led to believe that my payments were going to pay off the loan in 4 months. WHAT A SCAM
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (CA)

William & Fudge keeps calling me and my spouse. They claim I owe money from a balance of about {$600.00} to XXXX University. I attended XXXX XX/XX/1998. I also contacted the school, 7 years ago because of the hold I had on my account, and they told me that it was an error and released my transcripts. 
It seems to me that Williams and Fudge has tried to add to the balance of a debt they bought from XXXX.
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KS)

I had changed my monthly payment to more than double the original amount so that I could repay my loan more quickly. Two months later they sent me an e-mail stating that they had lowered my monthly payment amount. Then when I called to reverse the change they said that they could not guarantee that the change could be made by the time my next payment was due. 
I was also informed that I would probably not be able to use my regular method of payment. Because the virtual bank card I use falsely classifies itself as a " pre-paid credit '' card I will probably not be able to use it to pay my account.
Consumer complaint received 2016-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

I have a private loan with Navient. They are continuously harassing me to make payment on my account even though I tell them I am having financial difficulties. I pay what I can, but they call continuously through the day, more than XXXX times a day! This is harassment! My parents are my cosigners and are in their late XXXX 's and are constantly being harassed as well. I make my payments they are late sometimes maybe at the most 7-14 days late, but I always pay up my past dues. There has to be a better way to have Navients workers give better options with repayment, not just telling us the only way to defer is to go back to school and or to lower my payments. I have read many reviews about Navient and they are all the same complaints, harassing phone calls, Bad customer service, and no way to better help the student with better options for repayment. I feel moore than 3 times a day calling is harassing. I am looking at seeking legal council regarding this matter.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

This is a duplicate as the attachments I had attempted to send previously did not attach I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XXXX from XXXX. These are specifically marked that the debts were discharged/forgiven and have supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my prior disputes, they updated the items correctly. Unfortunately Equifax reverted back to reporting it incorrectly as originally disputed. I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually while I 'm on the phone and send updated reports to my house. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters freshman year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances since XXXX. Please help me get this corrected permanently. Thank you for your time.
Consumer complaint received 2016-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Problem : In XX/XX/XXXX, Navient changed my Billing and Servicing address without my request, knowledge, or consent, to collect a bill on an open account. After contacting Navient, they responded that " they had the right to do so '' and were not obligated to send me a bill. They provided me a copy of my billing history which shows the change of address, again, without consent nor request, and the address where the bill was changed to was not correct either as it was missing the Apartment/Unit Number. I have resided at the same address since XX/XX/XXXX and have never moved. By not receiving account statements from Navient, i was not notified for three months about the status of the account, which caused it to report to the credit bureaus as an account that was late over 120 days. Navient does not have the right to change a customers billing address in their system on an open account.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NH)

I have been off and on an income based repayment plans with Navient. I have been having problems with them not processing my applications. I submit all info, they tell me that they have received it. Then I would get an email saying my next payment is XXXX. I call and they tell me to wait until I am closer to the due date. I do, and the amount does n't change. I call back and they tell me that they have not received all of the information and I will have to resubmit my application and force me to do a forbearance agreement. They have taken the {$590.00} out of bank account twice. The first time I called I was told that I was on a XXXX mo IBRP. I had to go to my bank and fill out a report that I did not authorize that payment. The second time was " for the remaining XXXX months of the XXXX and my plan expired. '' I again had to go to the bank and file another report. I removed my account information for the auto pay. Then I was told that I had to add my husband 's financial information even though this debt was incurred well prior to my even meeting my husband. He is also an XXXX XXXX XXXX with a security clearance. So I did as I was told to go to XXXX and the IRS would send our tax return info directly to them. I received confirmation from the government that it had sent the information. Navient initially told me that it had received the information and that it had not processed the information yet and to check closer to my XX/XX/XXXX due date. I did, it was still showing the XXXX amount. I called and then Navient claimed it did not receive the information and I would need to resubmit again and again forcing me into yet another forbearance until XX/XX/XXXX and then they changed it to XX/XX/XXXX. My account is showing an amount past due of over {$1100.00}. The short times I was on the IBRP all payments were applied to interest. I owe so much more now than the original loan amounts. I have XXXX loans with them, but I am attaching screen shots of the larger XXXX, but the same thing is happening to the smaller loan. I have been trying to work with Navient since it took over XXXX ( who did not treat me well either ) and have been arguing with them since XX/XX/XXXX of last year, just trying to get these loans paid. They keep putting me into forbearance agreements and, at this rate, I am never going to be able to pay off these loans. I have finally got my credit situated and the fear of Navient reporting this to the CRA 's is devastating. I feel that they are taking advantage of me by abusing the system and waiving the fact that it will be reported to the CRA 's and they should be stopped from this unfair practice. I also have been sending them information to change my name to my married name for almost XXXX years. They have me as XXXX and my married name is XXXX.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (KY)

I have a {$24000.00} 6 % interest consolidation loan through Navient ( originally XXXX ) originating in XX/XX/2001. I have been making payment on this loan for 15 years ( less a few early periods of forbearance and an unemployment forbearance ). I logged in recently to see how much my remaining balance was and was shocked to see that I am after 15 years of payments listed as now owing Navient {$38000.00} in student loans. I have called and spoken with their customer service department asking how this can be the case on a 6 % loan I have been paying for 15 years on, they explained that during my forbearance periods interest was accrued and that for a time I was on an interest only repayment plan. My math still does not add up on how these amounts could lead to such a massive increase in the loan amount. I inquired on how we could get the loan paid in a timely fashion and the best offer they could give me was that I could pay $ XXXX/month for for 170 more months - which would be another {$55000.00} in addition to the 15 years of payment already made - which would be something like four times the amount of the original loan in total. 

I suspect something may have been added to my account or misfiled ( late fees, misapplied payments, etc ). Also, if I had been aware I would be accruing interest during forbearance or that I was paying an interest-only repayment plan ( and with that, if I was, how could I have been accruing interest as they claim ) I would never have agreed to those terms. I am turning to the CFPB as Navient appears unwilling to work with me on coming to a reasonable repayment of these loans. I would like to work out a reasonable and mutually acceptable repayment to get these loans resolved - I have been paying them for 15 years already.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (IL)

On XXXX/XXXX/2016 a complaint was lodge against ally financial inc for allege fraud via complaint # XXXX. Evidently this information was not pass down to its PAYMENT PROCESSING CENTER [ who letter was dated XXXX/XXXX/2016 ] who are threatening me with negative entries to the credit bureaus, this is in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment not more than 10 years, or both '', this is a DEMAND NOTICE to cease all further communication with me concerning the alleged debt that I have disputed with ally financial inc. 's and ally financial inc. 's CFO ( CHIEF FINANCIAL OFFICER ) regarding this matter. The PAYMENT PROCESSING CENTER is guilty of dishonor of my exemption and Bond sent to them on XXXX/XXXX/2016 via registered mail they are also in violation of copyright infringement, breach of trust, and extortion ...
Consumer complaint received 2015-12-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I applied for a payday cash advance for smaller amount but was told the only fund loan in the amount of {$2500.00}. The representative told me that if I did not want that amount then I could give back a portion to lower my loan amount. I agreed and set up weekly automatic payments for an amount to goto principal. When I got the monthly statement I found it was going to the interest only. The following month I lost my job and asked that they no longer do automatic deduct from my bank account. They agreed and stop the withdrawals. However, each week I would get a call about making a payment. I was honest to say that as soon as I got a new job I would start payments again. The representative said they would note the account but might not stop the calls. I said I was would take the calls and keep them informed of my situation. Then the call stop coming. This week I received a call from a law firm that was trying to serve me because they are filing a civil suit for breach of contract and check bouncing. I told the firm I did not bounce any checks because I never wrote any checks. I also explained that I am looking for work and asked could I set up a payoff for after I get a tax refund in XXXX or XXXX. He was rude and said that they will be suing me so that they can garnish my wages when I do return to work. I do n't believe this is necessary and would be an embarrassment for my future employer to receive that type of paperwork.
Consumer complaint received 2016-07-24
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: VEROS CREDIT, LLC. (FL)

Lost my job, Veros credit seized the car, sold at an auction. For eight months they are charging me as if I still possed the car. Reporting each month to my credit report. I receives threathing calls from them daily. They also threatens to send letters to my employer.
Consumer complaint received 2015-08-25
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received an email supposedly from ACE SETTLEMENT DEPARTMENT, threatening to sue me for over {$4500.00} unless i paid a settlement of {$270.00}. Also threatened to press charges and send me to jail for 3 years and seize all of my bank accounts and assets if I do n't reply and pay. They had my correct SSN # and place of employment. I was told to reply to XXXXXXXXXXXX. 

I have used ACE in the distant past and if I owe a debt, I am willing to pay but I need a letter of proof. This email was threatening, as well as major grammatical and spelling errors, very unprofessional.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus claims they paid my property taxes but they DID NOT. They keep saying they have fixed the problem and now I have a negative escrow balance that I do not owe. So unless I send extra money they will not accept my payment. I have been forced to pay them and extra {$180.00} so last months payment could get credited. They said it would be fixed within 7 days and now I 'm forced to pay an additional {$90.00} per month until the {$3300.00} negative escrow balance is paid. I have contacted the XXXX and Seterus has never paid any property taxes. I have documentation showing that I paid them I do n't have an escrow acct. I have forwarded this info to Seterus and they said it was handled and now I find out that they still think they paid property taxes in XXXX of 2015 but they did not. They can not produce any proof of payment either. I feel they are scamming me so I looked online and saw over XXXX complaints of similar nature. They are running a scam where they are adding escrow accts and using the money and will never give a straight answer. I have spent several hours on the phone only to be restarted back ant square XXXX.
Consumer complaint received 2021-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (GA)

The following companies have unauthorized credit inquiries on my report : Ally Financial inquired on XX/XX/2021 XXXX XXXX # XXXX XXXX, MN XXXX
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MS)

I called the agency to follow up with my dispute, I was supposed to be transferred to an agent instead I was hung up on after being on hold for 10 minutes. I than called back and tried to resolve my issue the service agent said he could n't do anything they looked at the bill from the supposed place I received services. I said I disputed this with the other XXXX agencies and had no problems having it removed, because this never happened I did n't even live in the State at the time. I asked to speak to a manager. I spoke with a XXXX XXXX, he stated the same thing, he then called me a liar! I asked how I can prove this information and what he needed from me as I would be happy to send in what he needed. he stated that is for you to figure out, I said XXXX you are the agency what do you need from me. he said nothing, because we already have what we need. I said, but it is wrong and the other XXXX agencies know it 's wrong and this is affecting my credit. He then said here is an email address with no other information or what I needed to send in. He also threatened me by saying he is going to get the right information to the other XXXX agencies as I am a liar. I said sir these phone calls are recorded and he said he did n't care. They refuse to look into this as all they have is some supposed bill from the doctor 's office two years after supposed services took place at an address I had n't even lived at, at the time services were supposedly rendered. I spoke to the lady at the doctors office who admitted they never once called me about a bill nor did they mail me XXXX. EVER. I had a physical with them in 2010, I had insurance and paid a {$25.00} copay during the time of the visit. This bill was filed two years later and the amount is {$340.00}, I was not even living in the State at the time. Please, look into this matter. I am filing a formal complaint for the way I was treated by management as well. I am upstanding citizen with a good credit score according to XXXX.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (DE)

I 'm filing this complaint because Equifax XXXX and XXXX has ignored my request to provide me with the paperwork that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are require to promptly delete all info which ca n't be verified. Please resolve this matter.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (SC)

I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NJ)

I moved to a new apartment. In doing so, I noticed that my social security card missing. I reported the loss to Equifax via telephone. Pretty soon all XXXX credit reporting agencies confirmed receipt of the loss. This XXXX, I applied to a senior housing in XXXX. The application was denied. I did not give it importance. Then I applied for a car loan with XXXX because of their 0 % financing. It was then that I learned that there was a fraud alert on my credit. I had become a victim of my own credit alert. The XXXX reporting agencies never bothered to call me when there arose a credit inquiry on me. I have been prejudiced and was forced to take a 4 % financing on my car loan, instead of the 0 % financing. I am in jeopardy of using up my savings just to pay this loan.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

Equifax is reporting XXXX tax liens ( public records ) that should be removed from my credit report. I have sent Equifax IRS forms XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Both XXXX and XXXX have removed the tax liens, as legally they were supposed to. I have spent numerous hours on the phone with Equifax, including filing both an online dispute and regular mail dispute - all with the outcomes that the tax liens on my credit report are valid. This is illegal and they need to remove these tax liens from my credit file.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have disputed the status of this creditors account '' XXXX XXXX Credit Card ' ( XXXX XXXX ) 'numerous times with equifax and finally received my credit report correct as of XX/XX/XXXX. I have XXXX active XXXX credit card in XX/XX/XXXX, the XXXX from XX/XX/XXXX was discharged. My credit report was showing correct as of XXXX/XXXX/XXXX, showing this account to be in a closed status, and not a revolving. Since XXXX/XXXX/XXXX this account now shows differently and has been placed as a revolving account but XXXX ' out as a line of credit which causing issues with my credit score as of XXXX/XXXX/XXXX & XXXX/XXXX/XXXX it was put back on my credit incorrectly. Equifax placed this creditor under open accounts which actively affecting my credit. This account was discharged in a CHXXXXBK as of XXXX/XXXX/XXXX but the account remains as a XXXX balance but in the incorrect spot on my credit report. I was advised on XXXX/XXXX/XXXX by a manager that this matter along with other creditors would be taken care of and it has not changed and caused my creditscore to tank XXXX points or more due to several inaccuracies. Please see previous report that was correct at the time on XX/XX/XXXX VS XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, as well as phone conversation between myself an equifax management, discharge order, and XXXX.