davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is XXXX.
Consumer complaint received 2022-01-05
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: CLGF Holdco 1, LLC (TX)

My account with Indigo card services was paid in full on XX/XX/2021 and the account was closed, however it is still reporting negatively on my account and greatly affecting my credit score
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MN)

I have chapter XXXX bankruptcy a public record on my Experian report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.
Consumer complaint received 2017-02-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I feel that I have been denied a loan modification because my husband, that has passed got behind. but for more than a year I have kept the mortgage up. They keep selling our loan. With this always a higher interest. I pay 8 to 10 thousand a year on interest alone. with only XXXX coming off each year. this will never get payed off. This is so unfair. I have tried to refi. but I have a chapter XXXX to pay up my bills from my husband. I just want a better rate to pay it up faster. the mortgage company says the don ' t do any in NY. but take my money. Help please.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I received a copy of my credit reports and noticed only on Equifax XXXX accounts that did not belong to me XXXX # XXXX AND XXXX # XXXX. I initated a dispute and 30 days later Equifax claimed they verified the information was correct. This is impossible since I called both companies and neither has record of me on file and wont release any other imformtion at my request. Please remove these accounts that do not belong to me ...
Consumer complaint received 2017-03-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I 've called every day for the last 4 days, and spoke with representatives and supervisors ( at least that 's how they identified themselves ) and I 've been told different and sometimes conflicting information each time. Each day the people I 've spoken with give me false information and interest accrues. That is not fair or legal. I 'm trying to settle my account. 

They say the settlement is being sent to their processing department, but when I call the next day to make sure it 's in process they say it was rejected for some different reason, even issues like an invalid email address which is a lie, we have communicated via email! 

They 're giving me the run around and each day charging me more and more money. I just want to pay them but they wo n't provide documentation of the settlement and keep charging me money.
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

I attempted to enroll in the Federal loan forgiveness program with Navient. I spoke to Navient and verified I qualified. I worked for XXXX. I thought I only had to make 10 years of payments to pay off my loans, which are over 100,000. Then I called them and said that my payments did not count from 2007 on -- because I should have switched over to another servicer sooner. What!!? They NEVER told me that. Now I am years behind where I thought I was -- all because of their misinformation. I want to be part of the lawsuit against them. Please.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (DC)

BB & T failed to alert me that my account was accumulating fees from authorized transactions for more than XXXX week resulting in {$900.00} in overdrafts and other fees. Each dispute I made for these fees was ultimately denied by BB & T and I was left to pay these fees on my own. After a month of being in the negative status, BB & T made an unauthorized transfer of {$900.00} from my savings to my checking account to cover these fees. I set up arrangements to pay off the fees before the stated deadline, however, the bank transferred the money from my savings account without my permission a full XXXX weeks prior. I called in to speak with several representatives and a XXXX, who advised that they were in their right to make this transfer without my permission. This seems very illegal.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

I recently pulled my credit report from Experian and XXXX and to my amazement, I saw credit card companies " XXXX XXXX '' and " XXXX Bank '' on my REPORT! I immediately disputed this information because I have not had a credit card since I filed Bankruptcy and the results of the investigation came back " verified '' and showing an incorrect / old mailing address that I have not lived at since XXXX 2013. I like to know /see what kinds of " records '' that was set up for me under these alleged accounts. So, I may file and report Identity Theft in accordance to the Fair Credit Reporting Act ( FCRA ) and any other Acts as the information furnish does not belong to me and they are required by law to notify me of any insertion of especially negative listings that go into my Credit Report.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (WA)

Collection agency harassing me and filing fraudulent information to credit bureau for monies owed to an apartment complex I never lived at. 

I have provided them with proof of my correct residency during the time in question as well as the XXXX XXXX XXXX police report number where I filed a complaint for identity theft. 

They have not contacted me since I supplied the police report number but continue to post negative filings with credit bureau.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

experians upload services do not function ... making it impossible to supply information pertinent to my dispute. 
please see furnisher cfpb complaint XXXX ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX IS ATTEMPTING TO COLLECT XXXX DOLLARS BUT HAVE DUPLICATED THE DEBT FOR YEARS AND GIVEN IT XXXX SEPARATE ACCOUNT NUMBERS AND THEN VERIFY BOTH DEBTS.
Consumer complaint received 2017-04-08
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I have leased a vehicle XX/XX/2015 from an authorized dealer in the state of Nevada for a lease purchase of XX/XX/2015 XXXX XXXX for the total amount {$63000.00} and the lease for 39 months payments payment amount each month {$980.00}. After one year making payments requested a buy-out amount and the information received for the buy-out total {$63000.00}. I called Ally auto asking why is the buy-out same the original purchase price? There answer was the payment paid does not deduct from the lease amount. This was surprise to me and the lease residual is at 49 % of the purchase price which the lease payment considered as a rent payment. I 've had leases with other banks and never experienced this before which each payment you make it does deduct from the purchase price. Ally is refusing to correct based on the guidelines and lease practices. I am not able to exchange the car for a better lease terms and by trading the car for another lease loan I will be in upside down situation. Could you please help with this matter?
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian is an absolute nightmare to deal with. I had a student loan from XXXX, and it was reported as paid with {$0.00} balance : never late. This was more than twenty-two years ago. Although the root cause of my problem is XXXX, who seems to have stolen my information and is listing loans that I never took out, while also claiming that my XXXX loans from twenty-two plus years ago are still not paid, if the credit reporting agencies would n't allow this, there would n't be a problem. I have tried to get a Security Freeze, and I have had to call more than seven times wasting over five hours to only be transferred and transferred. I have uploaded the proof of information, mailed the information, and still, they will not remove the information or place a security freeze. I am in the state of California where my rights are very clear on this matter, but I can not get Experian to comply. The name for me on my credit report is wrong. I have sent information showing what my true, legal name is, and this, too, I can not get fixed. I do not have any credit, refuse to have credit in this horrible country that does nothing to actually protect the consumer, and I have a right to have my credit report completely blank instead of filled with fraudulent, blatant lies.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

I have been in business for over 30 years. I own a XXXX. Up until about 4 years ago I was using a couple different bank accounts. Pnc bank came to my XXXX and got me to consolidate my bank accounts, credit card processing, credit cards, and lines of credit through them only. We accepted because there were multiple benefits by switching to one bank for our business and personal banking needs. Once we switched to PNC only, they were able to see how much money they could make off of us, so they continued to try to get more of our business switched to them, and away from our main credit card which is XXXX ( which we spend about {$50000.00} a month on ). We do a pretty large volume of sales, through cash and also through credit card processing. After about a year of doing business solely through PNC they contacted us regarding large cash deposits, and the frequency of them ( which was about 3 years ago from the current date ). A VP of banking came to our store location to ask us some questions regarding the deposits, and also to see our store operations. He took pictures of our XXXX square foot XXXX, the amount of merchandise we have, our previous 3 years tax returns, and at the time the most recent bank statements. After seeing our store, and the amount of volume of sales we were doing, they had a better idea of our business, and said things were fine. Recently we received a letter from PNC stating that they were closing our business account, and also my personal checking account. The form gave no explanation as to why this was happening, only a phone number to call, which they basically told us they did not have to give us a reason as to why they were closing the accounts. Their reasoning was that they no longer want to do business with us. The business is owned by me and my daughter, who also has another business she runs. Neither her personal accounts, or the seperate business accounts were closed. The local branch manager was also not able to give us an explanation as to why our accounts were being closed either. The worst part about this is not only our business checking and my personal account being closed, was that they did n't close out the credit cards, credit lines, or our credit card processing through them ( which if we decide to cancel, they will charge us 250 a month fee for the rest of the contract, about 1 year left ) Now we have to switch to another bank for business checking and personal checking, but continue to use their merchant processing, which we will get charged a monthly fee for not rolling all of our business transactions through XXXX. We do business with a very diverse clientele, XXXX, XXXX, and also XXXX customers. I am an XXXX, XXXX XXXX who is also an XXXX citizen. Does the issue that they have with us have to do with the fact of my nationality, my customers nationality, or something else? I have no idea, because we were given no exact answer as to why this is happening.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I took a loan out with XXXX in XXXX. I was not able to pay back the loan and it went into collections with " XXXX XXXX XXXX, XXXX ''. Once I was financially able to pay the loan off, I call the collection agency and paid the loan off. This was done in XXXX '. My Experian Credit report still says that I am in collection on this loan. I tried to dispute the information, letting them know I paid the loan off, and it was denied. I tried again to dispute the information, and was told I could not do this because I had only one time to dispute the item. 
Now, I it says I still owe {$3200.00}. that is in collection, and past due as of XXXX XXXX. This is not correct and it needs to be updated to say I paid the loan off. Any help on this would be very much appreciated. Thanks,
Consumer complaint received 2017-02-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I had first contacted Ditech back in XXXX about fees that were on my mortgage statement a customer service rep said he would send papers explaining it was a new computer program and the papers he was mail out would explain. Got the paper work showing more fees than I saw prior. Called Ditech again then I was told it was corprate advances they were charging. I had explained to them that the loan mod they gave me was higher than my original mortgage that they rolled any and all fees into my loan mod. So then XXXX I try calling again to resolve this issue because seeing how some fees said late some said insurance I had asked to speak with a supervisor and was told I 'd get a call with in three days.Its now XXXX no call. So I give it a week and call again. Needless to say in over 90 days and 30+ calls I have got no where. I have tried to explain they need to read over my loan mod and they will see anything I owe them, back taxes, insurance and fees are In my mortgage payment.
Consumer complaint received 2017-03-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (KS)

Not only does this complaint involve dealing with my lender, it also involves the repaying of my loan. In XX/XX/XXXX I called to see if I could get my payments reduced because I would not be able to make XX/XX/XXXX payment. I was told my loan payment must be past due before anything could be done, which I think is absolutely ridiculous. So I waited to call again after my XX/XX/XXXX was past due to see what could be done, after having to talk to XXXX different people and such a huge hassle I was told they could do nothing and I was not qualified for help, and at this point it was mid-late XX/XX/XXXX. I ask if there was anything they could do to get help and I was told that I needed to wait another 30 days to see if other options opened up after I missed another payment, which again I think that is absolutely ridiculous. I was also told that my account would not be marked late on my credit reports until 60 days past due and as long as I got into a program before then I would avoid any negative marks on my credit report. So I again called in mid XX/XX/XXXX about 10 times over two weeks and had to wait 45 to over an hour on hold, and never ended up talking to any one because of the long wait time. One of the times someone answered, and all I heard was back ground noise then I was hung up on, which is one of the most unprofessional things I have ever experienced with Sallie Mae. I finally got a hold of someone the end of XX/XX/XXXX and was still not 60 days past due yet because the lady told me I was XXXX days late, and was finally qualified for lower payments and lower interest. However, I just saw today that my credit reports have been file with negative reports of XXXX days late, so I was blatantly lied to about the reporting, and this could all have been avoided if they would have helped me In XX/XX/XXXX or XX/XX/XXXX
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I currently am enrolled in direct debit and receive an interest rate reduction of 0.25 % on my student loans. I pay an additional amount above the required monthly payment. I want to adjust the additional amount. In order to do so my loan company says I need to cancel the direct debit to change the amount and re-enroll. This will result in me not having direct debit for 1-2 months based on their processing time and incurring an increase in interest rate during this time. They have told me there is no way of changing the amount of my payment without canceling the direct debit and increasing the interest rate. I do not believe it is acceptable for them to penalize me for adjusting my monthly payments.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (LA)

THE COMPANY XXXX IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. THE DEBT IS OCCURRING FROM MY FORMER APARTMENT COMPLEX THAT I WAS UNLAWFUL TOLD TO LEAVE. I WAS TOLD THAT IF I WOULD LEAVE THE APARTMENT IMMEDIATELY MY LEASE WOULD BE BROKEN THAT DAY AND ALL DEBTS WOULD BE CONSIDERED AS " PAID, '' I HAVE DISPUTED MULTIPLE TIMES WITH COLLECTION AGENCY TO NO PREVAIL. I NEED THIS ISSUE TO BE RESOLVED AND DEBT TO BE REMOVED BECAUSE IT IS NOT VALID FROM WHAT I WAS TOLD BY APARTMENT MANAGEMENT
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

For the past 2+ years, I have given Navient specific directive to the penny on how to repay my XXXX individual loans. I have been told that they are doing what I asked, but on 3 separate occasions now, I have found out that they in fact ARE N'T doing anything that I have asked. So each time I am being assigned a new " advocate '' who 's job it is to assure me that they will be the ones to set this straight. So some of the problems. Navient refuses to show you a breakdown monthly of how much interest you are charged. Texas however has consumer protection which require lender to display this info. Navient claims that their yearly display and a formula to calculate it is enough. That is the lessor of my 2 main hangups with Navient. The second is Navient is n't using the loan specific payments which I and my 3 separate advocates have specifically setup for each loan. I have confirmation from senior customer service folks at Navient that for the past 2+ years they are simply applying my loan specific payments HOWEVER NAVIENT SEES FIT. Well I got a new advocate last week to try and fix it for the Nth time and now my account history is missing. At this point the variance is in the XXXX figures and growing daily.
Consumer complaint received 2017-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

navient has inflated the student loans taken, they have XXXX different accounts under XXXX names the primary borrower and the co signer with duplicate loans under each, they refuse to fix the issue, stating there is only the XXXX set of loans. in the past when payment was a struggle they suggested forebearance instead of other options, they have a high monthly payment plan that is beyond borrower ability and constantly harassing not only the borrower but all surrounding family members and employers with a barrage of phone calls and emails. school attended was XXXX in XXXX az
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I called Navient on XX/XX/2007 to ask if I can allocate my payment of {$800.00} a month to aggressively pay my two higher interest loans of 15 % and 11 %. They said I could and that I was able to do it on the site. I also asked if they could work with me on lowering my interest with these loans since I 've been making on-time payments for over a year. They said they could not negotiate. I explained that I am working XXXX jobs 7 days a week to try and afford my payments of {$800.00} and wish the payment would concentrate more on the higher interest loans. The monthly interest alone on these XXXX loans add up to {$400.00}. I financially planned to pay off compounding interest only on my other XXXX loans and to allocate the rest of the {$800.00} dollars to the other XXXX. Which is what I did online. It was simple. However, after the period closed, my loans were past due. I called Navient again on XX/XX/XXXX to clear this up. The representative named XXXX was very unhelpful. I told her that the previous representative misled me and if I would 've known that this would happen I would n't of done it. After an hour of unsucessfully talking to her ( of which I asked several times to speak with someone else ) she said that they would reallocate my payment to bring my account current. Then she surprised me by saying that I would still be {$40.00} delinquent which baffled me. I told her I payed {$800.00} which is what my bill said online. Where is this {$40.00} coming from. She could not explain. I told her that why would they say on the site what my payment should be if it 's not what it truly is? She could not explain this. Again I told her they are misleading and malicious. They are not willing to work with me. I have a full time career and a weekend job just to live and pay these ridiculous bills with interest so high I am buried in capitalized interest. After the phone call over a week ago I am getting phone calls informing me that I am delinquent. I 'm not even sure if they re allocated my payment to make it current because it has not shown on my account and I am getting voicemails while I 'm at work. The representative could not help me. It 's a dead end. It does n't help that she did not speak good XXXX and continued to contradict herself and misinform me. Navient has not made an effort to help me with my loans despite my good standing and pro-activity.