davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (OR)

I bought a new Kia vehicle on Sat XX/XX/XXXX. In the following week I set up the info online so that Kia Motors Finance ( KMF ) would be able to automatically draft the monthly payment from my checking account when payment was due. The first payment was due XX/XX/XXXX. However, my action in setting up the automatic draft info prompted their system to actually take a payment for the loan out of my checking account immediately, without my authorization. I contacted them on Mon XX/XX/XXXX to find out how I could get that refunded. I followed the instructions and provided them proof of this the same day. I was told it would take seven business days to process. 

Followed up on XX/XX/XXXX as to status. Was told payment would be mailed on XX/XX/XXXX. 

Followed upon XX/XX/XXXX but got no update status because people who process refunds were unavailable. Operator supposedly emailed them to request status update but never heard any more from them. 

Followed up on XX/XX/XXXX. Told I could have the payment applied to my account since payment would be due XX/XX/XXXX. That would take three days to get processed. 

Followed up on XX/XX/XXXX. After three attempts to reach a supervisor ( first two of which I was hung up on ), I was told the refund check was sent Tue XX/XX/XXXX from Georgia. 

On Fri XX/XX/XXXX I received a call from XXXX with KMF. She told me the check was processed and mailed that day. I confronted her about how this information conflicted with what I was told on XX/XX/XXXX. I gave her an earful about all the lies I had been told throughout this ordeal with no resolution whatsoever. 

I need to get this resolved and have no idea of where else to turn.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF THE WEST (CO)

I refinance my mortgage and Hloc Loan with my bank, Bank of the west, and I never authorised they touch my car loan ( with the same bank ). However without my authorisation they included my car loan I had for 2.92 % interest rate for 5 years fixed, and I already paid for 8 month, they included this loan in the refinance without I authorised for 4.75 interest rate for 30 years. I am so mad about that, I trusted in the bank and I feel I was scammed per people to try to sell services without asked me. 
I contact the bank, itis very hard to get hold of them, all I got was a letter from the compliance department saying it is fine. But never gave me a contact to contest it.
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I conducted an online purchase on XX/XX/2016. When the merchandise did not arrive within the published timeline on the Merchant 's website, I contacted them by email. I was advised they were a little slow, but rest assured, the items were on their way. Several more weeks passed, with no delivery of my order. There were several email exchanges and ultimately, I requested a refund. The Merchant then discontinued any additional correspondence with me and my request for refund. I opened a dispute claim with my bank, JP Morgan Chase. On XX/XX/XXXX, Chase sent me a letter that since it was greater than 120 days from the transaction, they would not pursue any further action ( it was day XXXX when I opened the claim ). I called Chase several times, even speaking with a Senior Support Specialist, and was told there was nothing they could do. I was then advised to contact XXXX regarding the matter. Guess what XXXX told me? Yep, call my banking institution! At this point, I am no longer interested in the merchandise that was ordered, I just want a simple refund.
Consumer complaint received 2017-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I submitted a complaint about loan servicing. The number of that complaint is XXXX. I do not consider XXXX to be a " going concern ''. I asked to be informed about the process for transitioning my loan to another servicer in the event of XXXX bankruptcy. The response was that there would be a response within 60 days. I do not consider this to be a response. I have no reason to believe that XXXX is devoting sufficient and adequate resources to support its business offering.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WV)

The only XXXX I have ever had in prosperity WV is XXXX There is another listed on my report that is not nor has it ever been mine. Also, there are numerous hard inquires that are not mine. XXXX is not mine as well as several others!
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I was not notified in a timely manner that my income driven repayment was ending and due to that i was forced to do a forbearance. They sent me notices stating i had to start making a very high monthly payment or they were going to start reporting to the credit bureau that i am not in good standing with my student loans. I told them that i was out of work and that i was on XXXX and i cant afford the payments.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I faxed a Multiple Inquiry Removal Letter on XX/XX/2017 in order to dispute information in regards to XXXX hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX, that was being reported on my credit report. I received confirmation that they received my letter via fax at XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and when I called to follow up, I was given the response, which was " inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' 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 was told this over the phone, clearly tells me thatthere was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to 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.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

To whom it may concern, I submitted a request for deletion of multiple inquiries online on XX/XX/2017 to dispute information, in regards to XXXX hard inquiries, incorrect addresses and collections that were being reported on my credit report. They would not begin the request until I submitted a copy of my DL and SS cards. I faxed the information on XX/XX/2017. They completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' 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 2 days after the receipt of my personal documents needed to begin the investigation, one can assume that there was no investigation into the matter. I plan to purchase a vehicle this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. 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. 
Thank you!
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

I have a security freeze on my credit reports, i tried to go online and lift my security freeze with Equafax and i fill on the information and submit it online as they say you can sign in and do it onlne, when i tried it it tells me the request can not be processed and l need send in copy of my ID plus other things, they make it very very very hard to do anything online.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint because Experian has not complied my request to provide documents that their company has on file to verify the accounts that I have disputed. It is past the 30 day mark, and Experian have not been verified these accounts properly, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: JPMORGAN CHASE & CO. (GA)

Had a second mortgage by me and my x wife in the divorce she got the house and agreed to pay the second mortgage she fell behind and I did not no until I checked my credit report I contacted the mortgage co. To see if I could get a bill or making adress so I can pay if she falls behind more they refused to give me any information I told them I have a different mailing adress and they still refuse to send any info but they are hitting my credit every time she falls behind I even offered to take over the account but they still refused
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OR)

This is my second consecutive complaint against Seterus Inc. 's refusal to correctly allocate special payments toward principal only. The by-now routine problem is this : In addition to paying our monthly mortgage ( principal and interest ) on time, we occasionally send checks with letters instructing Seterus to apply all of the enclosed check to principal only ( our instruction is always clear, emphasized, and repeated in our letter and on the check ) .They ALWAYS ( perhaps a dozen times ) misapply the check to both interest AND principal, resulting in about an hour on the phone trying to get them to correct the matter. Last time they refused, resulting in our first complaint to the CFPB. After that complaint Seterus immediately corrected the situation. ( Thank you, CFPB. ) But with our most recent check, Seterus has mis-allocated our payment again.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

Ditech Mortgage Company is making it impossible for me to set up automatic monthly bank withdrawals to pay my mortgage. They have mistakenly input wrong bank account numbers on this account and blamed me for it and now claim that it is impossible to put the account on auto pay for 12 months even though I have another mortgage with them on the same bank account in good standing. As I travel internationally extensively, this is making it certain that I will miss payments and thus be charged late fees and receive negative credit reports. I believe they are intentionally doing so in order to collect late fees and their customer service department is unwilling to assist.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (FL)

Yesterday, I received an initially alarming phone call from XXXX, stating : This is XXXX XXXX, we have received an order for 2 allegations to be filed against you immediately with the county clerk 's office. This department will be actively pursuing you at your place of employment and place of residence. You do have a legal right to ( unintelligible ) with the plaintiff outside of court. Please understand when you are located, you do forfeit that right. You can contact our legal department at XXXX. Refer to your case number XXXX You can reach us directly at XXXX or you may press O now to speak to a live agent. 
I had student loans, federal and private, which were paid off in the 20th Century. I had one loan for attending XXXX College, and another for attending XXXX School, both in NY.
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : AARGON AGENCY Account number XXXX
Consumer complaint received 2017-04-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (MO)

I was contacted by someone over the phone claiming they were going to sue me for committing fraud over a debt I used to have ( and have paid off ). He said that they would settle it outside of court for {$1800.00}, I told them no, and they put me on hold and came back saying they could do it for {$1200.00}. 

When I asked for it all in writing and proof they are legitimate, He got very angry and said he would not give anything in writing until I had agreed to pay this off over the phone. He then said the only way to pay it off is over the phone. I again said no, because it sounds like a scam, and he followed up saying that he would deliver the court papers to my address ( which he had an old address ) and proceeded to get angrier with every bit of information I was trying to gather to see if it was even legitimate. 

I have proof that I paid off this debt.
Consumer complaint received 2017-04-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST (CA)

Bank Of The West Has Twice Now Refused To Send Me The Forms For Credit Card Mischarges On My Account Because They Were Charged By XXXX XXXX XXXX. The Charge Was For {$250.00} In A One Month Period Which Is XXXX My Income. I Used To Help My Neighbor With His Bills And I Found Out That XXXX XXXX XXXX And Bank Of The West Were Also Hasseling Him In The Same Regard. They Have Been A Real Head Ache All Around. I Want My Error Corrected.
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (GA)

I was with XXXX for 10+ years and never have I been late on my monthly payment. The account was always paid in full and on time. When I decide to move my account to XXXX and port my XXXX numbers ( XXXX, XXXX, XXXX, XXXX ) my XXXX account goes haywire and starts to add numbers I have never used before after I left. I contacted XXXX at XXXX authorized store and asked him what is going on, he told me he will look into it since I provided him my personal information to switch my account over since he did XXXX and XXXX both. Next thing I know there are couple of iPhones and new numbers on my account I do n't recognize or authorized anyone to make changes other than port my XXXX numbers mentioned above. 

I contact XXXX when I received a bill questioned them about the charges and told them these are fraud charges not authorized by me, they did n't do anything and told me I have to pay for it. I even went to the XXXX store physical to get this resolved presented my identity but failed to remove the charges and telling me someone on the account made the changes. I explained to them that the changes are done by one of the representation ( XXXX ) at your authorized retail store in NJ without my authorization but nothing was done. I even contacted XXXX to straight this out but he claimed he handle it and I thought it was gone for good but when I went to refinance my house, the agent pulled my credit report and informed me my credit report is too low and there is collection on my credit report. 

I still have the current XXXX numbers mentioned above and are the only number I have ever used. I tried to contact XXXX and XXXX but they are not taking any action, so I have filed a police report with local authorities and want to get this remove from my credit report completely and settle this once and for all, please help. For conclusion, I should not be liable for {$2100.00} after reaching out to XXXX numerous times mentioning fraud done at the store level without my authorization, they were clueless and unwilling to help in timely manner and are dealing with a clearly broken system to resolve issues, especially those pertaining to fraud. Please contact me at XXXX if you have any questions.
Consumer complaint received 2017-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I have a student loan that I 'm paying back through Navient.I recently started back making payments for {$100.00} a month.Navient sent me a letter stating that I had not made a payment, but sent me a conformation of payment made XX/XX/2017.I still have my recite from that payment which was paid before the due date of XX/XX/2017.Navient is not interested in collecting debt from customers, but more interested in postponing debt to later charge customers higher interest on the debt.Navient has constantly tried to give me extensions on my payment everytime I speak to a representative.
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I am {$100000.00} in debt with navient. My monthly payments ( interest only ) would make it impossible to live. They have reduced it by half but only because I am looking to file for undue hardship ( I meet all the requirements for the three tests ) this new amount is still to much, as I have XXXX in federal loans as well, I intend to pay these loans because they make it so that I can make affordable payments. I have heard it is near impossible to file undue hardship and win with private loans. I would like to go back to school, have a career in XXXX, own a home etc. If I default on these loans these things will never happen. When I was able to make payments ( with XXXX ) they would try to say my payments were late even though it was set up for automagic withdrawl. I had bank statements showing they took the money but they still argued with me until I threatened legal action. A few years prior a customer service rep told me " people like you do n't deserve to have a life. ''
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar continues to refuse postponing the foreclosure sale date to allow the sale to go through even though they are being paid off in full and it is the first foreclosure sale date the homeowner has had. We are simply asking for one postponement. Nationstar is stating that if we were doing a short sale they would postpone to allow the short sale to go through but they will not postpone if they are going to get paid off? This just does n't make any sense to us and we are simply told this is the guideline without any other explanation.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AZ)

The IRS withdrew a tax lien against myself and my spouse. Both the IRS and I have provided a copy of the form XXXX to all credit reporting agencies and XXXX immediately removed this public record. Experian has failed to do so therefore I filed a dispute. I received the results of their " investigation '' and they refuse to remove this public record even though it is no longer valid whatsoever.