davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

Navient appears to be over charging interest. When I asked for detailed billing to show how the interest charges accumulated they were unable to show daily charges. They provided no documentation. In order to get the XXXX-XXXX harassing calls per day, and to stop the massive interests charges - myself and my grandson borrowed money to pay off the loan. I filed a complaint with the BBB and to date we still do n't have any proof of how payments were applied and how interest charges accumulated.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (DC)

I have been making payments for many years on my student loans to a company called XXXX. Then, last fall they sold my loans to Navient. At that time I owed approximately {$12000.00} - which XXXX records will prove. Now, when Navient displayed my balance with them, they claimed I owed over {$13000.00}. I was n't sure about the discrepancy, but while looking into it I made two separate {$1000.00} payments - I am working hard to be debt free. However, since then my balance has not gone down at all. I have sent them numerous messages to figure out the problem, but instead of being honest and crediting my account and adjusting the balance to what it should be, they are now claiming I owe almost {$15000.00}. They are clearly acting nefariously and have left me in a lurch - if I pay them I will be robbed of thousands, but if I do n't they will ruin my credit and keep charging interest. They are thieves and I do not want to deal with them. Please help me. I 've worked so hard over the last 5 years to get this debt out of my life and its meaningless now if they 're just going to steal from me and use these tactics to keep me from my goal. Anything you could do to help would be appreciated. Thank you for taking time to read this. I look forward to your response.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NV)

I wish to make a formal complaint about entry error on my Experian Credit Report. I wish the following entry investigated as they occurred before my Chapter XXXX Bankruptcy filed in Federal Bankruptcy Court XXXX XXXX, NV XXXX on XXXX XXXX XXXX and discharged XXXX XXXX, XXXX. 
Public Record : CA State Tax Lien XXXX XXXX / Recorder XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Reference # XXXX ID # XXXX Filed : XXXX XXXX XXXX Amount : {$14000.00} This is currently being reported on my Experian Credit File. I have already corresponded with all XXXX credit bureaus and Experian refuses to remove this item ( Report # XXXX ), Date : XXXX XXXX, XXXX. XXXX has deleted this item stating that the tax lien was relieved in bankruptcy ( File # XXXX ), Date : XXXX XXXX, XXXX. 

The CA tax lien is for tax year XXXX and the tax lien was not filed until XXXX XXXX. 
Account : XXXX Original tax amount : {$7900.00} Penalty amount : {$1900.00} Collection Fees : {$180.00} Due to this interest accumulated totaled {$4600.00} I wished this entry removed from my Experian Credit File. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and this negative remark of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete this potentially negative record to avoid further confusion to potential creditors in the future. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

I 'm requesting the support of Consumer Financial Bureau to help me resolve this issue. 
I 've sent multiple disputes to Experian regarding inaccurate personal information on my credit report and they continue to report it despite sending them copies of my documents : drivers license, social security card and a utility bill per their dispute instructions. 

This inaccurate information needs to be removed from my credit report : XXXX XXXX XXXX This is not correct. It 's not my name. 
XXXX-This is not correct. It 's not my name XXXX XXXX XXXX XXXX NC XXXX This is not my residence. 

My documents clearly show the correct spelling of my name " XXXX XXXX XXXX ''. Attached again are copies of my legal documents : Drivers license, social security card, and utility bill.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

Experian has told me that they have investigated an account to XXXX XXXX XXXX. After speaking to the original creditor, XXXX XXXX XXXX had the credit bureaus remove the false information from my credit report. Experian has refused to remove this information.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (LA)

This was disputed/updated. The update forward to me from Experian was dated XX/XX/2016 : and reads in Comments : ( Never late paid as Agreed ) - from the bank investigation : XXXX Bank that replied to my dispute made. However the updated Experian report today ( XX/XX/2016 ) still shows ( 2 ) periods of 30 days late reporting with the Comments : never late paid as agreed. Additionally it still shows a balance that was not addressed also. The Balance of {$110.00} was a refund ( given ) transaction processed by XXXX of {$99.00}. At this time the bank have place it back on my credit report plus interest. See the e-mail from XXXX uploaded as documentation of the process from XXXX/XXXX/2016. XXXX Bank gave the credit for the {$99.00}, as well forward me the overage ( check ) payment of {$19.00} when it settled. From dispute of late pays I made they now claim that they never received the Refund Transaction from XXXX placing this back on my Experian Report
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (IN)

I experienced job loss, divorce, and a death in my family that contributed to my hardship, and the necessity of requesting a mortgage modification. I contacted a HUD approved counseling agency to help facilitate the mortgage modification process and at this point we are at a stalemate with StateBridge mortgage loan servicing company. My mortgage was sold to StateBridge over XXXX year ago, I have been in the process of trying to modify my mortgage throughout this entire time. Before StateBridge, purchased my mortgage it was with XXXX mortgage loan servicing company, we were at the final stages of reaching a modification when my mortgage was sold to StateBridge. My taxes and insurance were escrowed with XXXX and It was my understanding that the same would be true when StateBridge started servicing my mortgage. I had homeowner 's insurance through XXXX and StateBridge put forced-placed insurance on my property during the time my policy was still active with XXXX. My XXXX policy was not paid through escrow as a result my policy lapsed. StateBridge is requesting that I reinstate my homeowner 's insurance policy to approve my mortgage modification, however XXXX will not reinstate the policy without proof of insurance from StateBridge. StateBridge will not provide proof of insurance for the force placed insurance. We are at a complete stalemate at this point. StateBridge has made several errors reporting this loan to the credit bureaus and were forced to delete this loan from my credit report. It is my belief that this loan is predatory in nature, and I am requesting a fair loan modification based on the low loan balance, high interest rate, and the value of the property.
Consumer complaint received 2015-09-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I wrote to credit reporting agency this XXXX attempt to get the following XXXX items deleted from my credit report. The following collection item is entirely wrong. 

XXXX XXXX # XXXX A/C # XXXX have no contract with XXXX XXXX so I am not sure why are they placing this account in collection. I asked, If I have signed something, please send me a copy of signed contract otherwise immediately delete this collection account as it is having negative impact on my score. 

According to Fair Credit Act, they must furnish me details of how a collection account is placed on my name and with details, I required signed and executed contract. 

I previous disputed such items, and also sent them a court judgement where a Judge of XXXX County has clearly stated that I, XXXX XXXX, am not personally responsible for this account. You returned stating that this Account number is not being reported on my credit report and referenced it as Account # XXXX. However court judgement which is attached here states that Account # which is NOT XXXX XXXX 's responsibility is XXXX. 
They have stated that you have verified information from sources, however no such verification process system was explained and documents used was sent to me. 
I contacted the Creditor and no adequate response was received.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

On XXXX I contacted the creditor XXXX to settled this account. They referred me to a collection company that collected my payment settling this account in full. I contacted the original creditor today to see why they have n't updated my credit file and they referred me back to collection agency. The collection agency is NOT reporting this debt. The company XXXX is the one reporting it. I strongly feel they are the ones to update my balance to show XXXX since they are reporting this old debt.
Consumer complaint received 2016-12-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc. (VA)

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

There is a collection company listed XXXX on my credit file AFNI collecting for an XXXX bill # XXXX {$360.00} and then an account # XXXX {$0.00} unknown and false information listed. I would like to receive actual validation of a signed contract on these. Requested and disputed nothing received.
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AFNI INC. (TX)

Spoke with representative and informed her that I was n't made aware of this really old debt and had n't been contacted about it. Now that I pulled my credit report I wanted to take care of it, only if they would agree to delete it from my report and send me something in writing stating that it was resolved and would be deleted. I specifically ask if paying the debt could get the debt deleted. The rep verbally agreed that once payment was receive that the XXXX XXXX XXXX debt would be deleted from my credit report and that act was misleading and deceptive. Now they are telling me that they are unable to delete it from my credit. I 've made several calls in attempt to speak to a manager ( XXXX and XXXX ) but somehow they are never available to take my call or some how the call is mysteriously dropped.
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MI)

On my credit report, afni posted a debt XXXX. I currently XXXX so I spoke with XXXX They told me that I am current and they do not show anything that has been sent to a credit agency under my name. I told this to afni but they continue to report it. I have all of my XXXX statements since XXXX/XXXX/2014 that I can access online also. Even though I had uverse longer than that, they only post a certain amount of statements online, each additional would cost me {$5.00}.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

In late XXXX of 2016 I was asked by a professional contact to co-sign a car loan with him. I spoke to the salesperson who explained that I would be the co-signer, that I could remove myself from the loan at any time and that I was not responsible for any payments. I agreed to help my friend and the loan papers were drawn up. The salesperson met me at a XXXX 's to sign the paperwork. I am listed as the lead signer on the paperwork. This " friend '' has only made XXXX full payments, the rest have been made by me. He is hiding from me ( blocked calls/Facebook access ) and the finance company, has moved both work and home locations. I believe there was intent to deceive me from the beginning of this transaction and I also have come to recognize that there were errors made that should have invalidated this loan. First : I am not on the title to the car. The dealership does not show me as being a rightful owner of this asset, yet I 'm the only XXXX making payments. Second : The address that is listed under my name does not match my address. It was the original address of the co-signer, but even he does n't live there. Third : The salesperson did not go over any terms of the loan with me, did not tell me how to make payments, and in having the improper address I did n't find out about payment dates, etc. until the second payment was late and I received a call from the finance company. 
I am now making payments on an asset that I have no rights to collect, and am doing so on a loan that is fraudulent. 

I have attached a copy of the title received from the finance company ; an electronic version of the statement showing an improper address for me ( notice my name, NOT his ) ; and some proof of payments ; I may have missed a payment proof but would be able to get that from my bank account.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: VALLEY NATIONAL BANCORP (CA)

Valley National Bank informed me that the interest only period would end XX/XX/XXXX. 
Payment to go from XXXX to XXXX ( or there abouts ). I sought their help in reaching a modification agreement and submitted their application along with all the income required documents. XXXX XXXX XXXX communicated with me several times via email with additional requests or to communicate questions. On XX/XX/XXXX, I received a denial of modification with a one line statement as to the reason : Sufficient income ... 
Using the same established means of communication, I requested a more elaborate explanation as to how they came to that conclusion. My emails went unanswered. On XXXX, I used your template to request information. I explained again, that I need a more elaborate explanation in order to have a chance at an appeal. As of today, nothing has been received. Further the above servicer will only tell me that the loan owner is a trustee with XXXX XXXX. I also asked that they provide proof of communication with that trustee owner. Please intercede. Thank you.
Consumer complaint received 2016-03-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial (CA)

have tried to settle with them and they wont except what I can afford so the threaten to take legal action and keep calling when I asked them to stop. when I did get a nicer person then someone jumped in on the line and yelled at me about the debt and told me that they will take legal action yet they wont work with what I can pay to resolve this
Consumer complaint received 2016-01-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade, a very discount broker ( think - " you get what you pay for '' ) allowed my account to be hacked while I was traveling abroad, likely as a result of the data breach that occurred at Scottrade years ago. 

In short, Scottrade refused to act professionally to resolve the situation and avoided my calls, letters, and email on numerous occasions, essentially burying the matter. This caused me to write to the CFPB, requesting that Scottrade provide me with a link to their dispute resolution procedures. Scottrade refused to provide me with instructions on how to file a formal complaint. 

I am writing this complaint in hopes that Scottrade will properly respond to my previous request and amend their procedures so future customers do not get harmed.
Consumer complaint received 2015-12-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC. (IL)

several years ago I was victim in a car accident in which i had XXXX. However, the Lawyers that I had working on my case had conducted a sham job, from one day to the next the medical bills were not paid and and bill increased i had went to therapy and was getting charged for thing that were not performed, per the the Law firm and the attorney on the case stated they were paid. Once I revealed what they were doing on my case, the lawyer secretly summons a petition to have them removed from the case these bills were intended to be paid as the lawyers stated they were
Consumer complaint received 2015-11-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.
Consumer complaint received 2015-12-16
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (CA)

Ditech financial has reported to credit bureau I owe Ditech {$38000.00} Ditech report to XXXX as late and charged off account I have sent them latter asking original doc of this account with my signature. Ditech has not provided me with my signature that I own this debt, but they have send me public record on my current mortgage account from the County. I also have asked them to produce doc Ditech claim to this mortgage loan. they have not. I consider this is a fraud please Investigate.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

I have been in dispute with Green Tree Servicing / Ditech since mid last year over my account. Charges for filing bankruptcy and foreclosure were added to my account in 2005, but my husband nor I have ever filed bankruptcy and our home was never foreclosed on. I have disputed these charges and Green Tree Servicing/ Ditech just keep sending me the same letter a month or so later with the same claims and my dispute is not being addressed. They have also claimed that I paid these fees off and this concerns me because I was never made aware of these fees to my account and I was under the impression that all of my payments were going towards my mortgage, so it is my impression that the company was using my mortgage to pay off fees that should never have been applied to my account, which would have resulted in further fees and more interest. Also, in the most recent letter they have claimed that I owe {$4600.00} when I only owe {$1700.00}.
Consumer complaint received 2016-07-31
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (GA)

DITECH Financial, LLC states have an open mortgage account with them and I am delinquent $ XXXX+. I do n't have a mortgage account with them at all. I did and was never delinquent when my house was sold XX/XX/2014. I have not been able to even purchase a home and do not own any property now. As a result it has adversely affected my credit and kept me from obtaining future credit despite the information being incorrect. I am trying to dispute this as I was just made aware of it when I tried to obtain credit, to no avail.
Consumer complaint received 2016-04-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: GMA Investments, LLC (PA)

I received a phone call from a debt collection company called " Summit Receivables '' located in Nevada. They claim they are collecting on a debt from a company that I did not recall taking a payday loan. I have paid many of these pay day loans off and validation of payment. I requested a written validation of debt letter to be sent to my home. They wanted payment over the phone via a credit card. I will pay the debt but will not do so over the phone with a credit card without a validation of debt.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my TWO previous request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and they can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA they are bound by law to ... ..Delete ALL information which is inaccurate or incomplete or can not be VERIFIED, that I have disputed Thank you in advance for resolving this matter..
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (KS)

I signed up for a " free '' credit report via the XXXXXXXXXXXX. 
which cost {$1.00}. Then about a week later I noticed {$39.00} had been withdrawn from my checking account without my permission or notification. I called the number which showed on my bank account. XXXX to try to get the charges reversed. I was told there was nothing I could do about it. I was given another number to call XXXX = Experian called numerous times no answer. There was noinformation on the form I completed for the report that indicated I had to become a member within a certain amount of time. Apparently they used my debitdata to take the liberty to enroll me without my permission. I 'm asking for my {$39.00} to be refunded. I 'm on a fixed income ca n't afford nor do I need a credit reportmembership. 
XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXXXXXX