davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I purchased my vehicle back in XXXX 2015 - My XXXX payment was due XXXX/XXXX/2015 - I made that payment on time payment was made in full by XXXX/XXXX/2015. I then contacted Ally the next day to request a ddc. My next due date was not until XXXX but financially my due date being in the middle of month is a better fit. So I requested a ddc and the reps are telling me I must make half of my payment in order to get a due date change. I asked the rep why is it I need to make a partial payment when I just paid you guys the previous day and also my account is not even due at this time. They are unable to give me answer only to say this is company policy. I then was transferred to someone else because I need better understanding as to why this is needed. I was still unable to get an answer. The rep only told me to call in closer to my due date and request the ddc so I waited. I then contacted Ally XXXX/XXXX/2015 to request a ddc they then in turn told me again I have to now make a {$94.00} payment in order to get a ddc I asked for an explanation no rep could give me an answer other than its company policy. I requested supervisor at this time for better clarification on this. The manager still says its company policy, my question is why is it acceptable to collect on an account the is not even delinquent or past due. She could not give an answer only gave me options. Options were to pay XXXX and get due date change to XXXX, or wait until the day I can pay on XXXX I would not get a late fee due to the state but I may get a couple of calls. I do not want to the calls about a payment that can be paid on time and also if I were to pay XXXX and go past due I am still being charged a daily perdium on the loan due to the interest rate alone. The supervisor unfortunately still could not answer the question of why money is requested for an account that was not past due. Since I was getting no where with them I went ahead and went thru ddc process and paid {$100.00} to get it done. Today XXXX/XXXX/2015 Im still waiting for my paperwork to sign and send back my ddc has not been done I went ahead and paid my car payment for XXXX on XXXX/XXXX/2015 so I was charged for 3 days of extra interest which is very upsetting. This was a bad decision to have my car financed with such a money hungry company. I would like an explanation on why Im being charged for due date change and a payment is not due. I will be contacting a lawyer in regards to this to verify if this is even legal. This is a poor excuse for a company.
Consumer complaint received 2023-02-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AZ)

I have been trying to get information about my interest rate and how high my variable rate can rise. Because last year it when from XXXX % to now it is at XXXX  %. I can not get an answer about if there is a cap or not, and the servicer will not send me any paperwork information about my loan interest rate. If the fed keeps increasing the rate, I could keep paying whatever the servicer decides. I do not think this is correct, I am sure there is a cap, but the servicer will not provide me with any information. Also, I ask if there are any options to refinance or change payments, I get told I do not qualify or that there are no programs available. Yet the servicer sends me emails and states information on their website advertising such options, but I have no options when I call. Instead, I am told to pay my bill and call next month. I am not the only individual struggling with the navient, and I think something needs to be done. This company has a history of treating customers like this. I have contacted my attorney general about this matter as well.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I leased a XX/XX/2013 XXXX through Ally. At the end of the lease we returned this vehicle in excellent shape ... over XXXX miles below what the contract allowed for. I inspected the windshild myself and it showed where a pebble slightly grazed off the windshield but it did not have a GLASS - XXXX '' issue as Ally 's XXXX party inspector stated. It took the inspector several weeks to go and inspect the car and the condition of the windshield may have changed by the time ( sitting in direct sun or other incidents not under my control XXXX the inspection took place. This is not my fault ... the windshield was ok ( no XXXX '' crack as Ally is stating XXXX when the vehicle was returned. Even the experienced salesman ( XXXX ) that took in the vehicle at the dealership made no note on this. He said they may " ding '' me on the tires if anything. I 'm willing to settle for {$250.00}. Ally wants to charge me {$500.00} which is completely unfair considering the vehicle was returned in excellent shape and XXXX miles under the contract allowable mileage. I have called and spoke to them at least 8 times including a supervisor who was completely unwilling to compromise. Now I 've gotten a letter from Ally with " Notice of intent to report negative credit informaiton ''. I work hard to maintain my excellent credit rating and made all my payment to Ally months before they were due ... I always paid ahead! You would think they would try and work with me for future potential customer business. 

XXXX XXXX, XXXX, TX XXXX XXXX Ally account # XXXX XX/XX/2013 XXXX ATS VIN XXXX
Consumer complaint received 2015-06-22
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: DFC Global Corp. (CA)

I went into Monetary Management of California, Inc. d/b/aMoney Mart for a loan. I asked how much I would owe on a loan of XXXX dollars. And the woman said I would have to apply. I filled out an application and gave it to her. She demanded my id, proof of income, bank statement and other proof. She took my picture, fingerprint, called my bank to verify my account was in good standing, and had me sign a bunch of paperwork. Then after all that she checked something on a computer she told me she could not loan me. 
I asked why would she collect all my information and have me sign stuff as if I was going to get a loan. She said it was policy and that they get audited by the state. I asked for my check back and copies of my documents and she said no. 
Should n't they have told me no before all of that? 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/2016, I attempted to purchase my credit report from Experian. After several failed attempts, I made a call to their customer service line. I was told that because my " old account had expired ... I would have to create a new profile account to purchase the report '' I followed those directions and was again blocked by their system ... yet, they charged my XXXX XXXX XXXX XXXX for purchase price of the reports at an amount of {$19.00}. I again called customer service and got the response that " your account is expired '' ... but with a slightly different twist ... '' because my account has expired, my payment liked to an expired account ... but the system is unable to give me a credit report. '' Experian charged my credit card twice ... but is unable to produce a report for the charges. The Experian customer service rep said she would send a " ticket to have my charge refunded to my XXXX XXXX account ... in 2 - 3 business days. '' But, they could n't tell me how to get a credit report because while I used a different user name, at least according to their system, my info somehow continues to link to an older expired account which means I ca n't get a report. Experian is one of the major credit reporting agencies. I 'm stuck as a consumer when I need to check my credit report and I ca n't get a copy because their system is n't working properly. What should have taken me about 5 minutes has consumed the better part of an hour of my time. Your assistance with this would be greatly appreciated. I 've already gotten my free report for the year ... so that 's not an option. I just wanted to check my credit before making a change in credit cards ... this is quite frustrating.
Consumer complaint received 2015-09-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services (PA)

You took out the loan with Western Sky Financial XXXX XXXX XXXX. The original loan amount was {$2600.00} on XXXX XXXX, 2012. I was charged an APR of 139.12 % daily. I have already paid {$6100.00}. XXXX back on this loan. I live in Pennsylvanian and payday loans are illegal. I did not know this at the time that is was not legal for them to charge me this excessive amount of interest. I have paid {$3500.00} over what was originally borrowed but I still receive calls from them daily requesting payment of a balance of {$2000.00}. This new balance is only because they have reduced the illegal interest to 6 % daily. I do not believe I owe this additional amount because I have already repaid my loan and a fair amount of interest on that loan. When I took out the loan they misrepresented the terms and conditions on the loan. According to those terms I would have had to pay back {$14000.00} for a {$2600.00} loan! I would have never agreed to this if the terms were clearly explained.
Consumer complaint received 2015-09-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc. (TX)

My husband has four years of spotless payments to Carmax with XXXX late payment. Even though we called and explained the issue was due to a problem with the on-line system they refuse to adjust it. This would n't be such a big deal except it 's the ONLY thing on his credit that 's stopping us from qualifying for a home loan with his VA benefits. The car started breaking down about four months in. It has issues with XXXX overheating and despite the fact that we purchased the extended warranty they only paid for about half the repairs ( it still is n't fixed ). I ca n't believe that given our flawless history, our customer loyalty, and the fact that my husband is a XXXX military veteran, Carmax wo n't work with us in any fashion to resolve this issue. I REALLY expected that there would be SOME way we could resolve this, but I have heard from XXXX different reps that there 's nothing they can do, even though I KNOW differently. The initial phone rep I spoke to lied to me saying it was " illegal '' for Carmax to adjust the late pay on his credit, it took them a full week and about XXXX posts to XXXX to even get a call back from anyone.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (MO)

I had this disputed on a credit report over XXXX years ago. I had my bank card information stolen previous to this debt and had multiple charges that I did not make. This being one of them. This is over XXXX years old and this company that has bought this debt from the original company keeps updating the collection which makes it appear as a new collection and is ruining my credit. Please help me. I do not know how to make this go away.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Carter-Young, Inc. (CA)

I am asking XXXX for validation of debt for a collection they say I owe for an apartment complex. I have sent them 3 letters asking for validation. The XXXX letter said their client verified the name and address listed on the account was correct. I did n't ask for that, I asked for legal validation. In the XXXX letter I received, they sent a statement with my name but not my signature from a lease agreement, nothing showing my DOB or SSN. It had an apartment complex manager 's signature, not mine. That is not valid proof. The third letter flat out refused to send me anything stating they already sent proof which they did not. The XXXX major credit reporting agencies keep sending me reports back saying they verified the account and belongs to me. I requested in my last correspondence with them what their method of verification was on this account when I am not getting any legal verification.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (CT)

I have been trying to get my mortgage modified for over 8 years at this point. My Senators office fowarded my problem to CFPB and the servicer/investor replied and the case was closed. I am filing another compliant to dispute the response to the servicer/investor.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Carter-Young, Inc. (GA)

I rented an apartment and kept getting sick along with my daughter, and my granddaughter. I asked the management about mold and they swore up and down it was n't any mold and they stated no, the doctor told me I had to get it removed or I had to move. I had to send a sample to the lab and it came back XXXX kinds of mold including XXXX, I told management and they denied it up and down even though I almost died. I moved and had to secure another place to live. I shared this information with the Management and they said I had to pay them {$3400.00} I did not owe them anything I as well as my family almost died and they forwarded all of my personal non-public information to CARTER YOUNG, INC. and they are reporting on all XXXX of my Credit reports this is IDENTITY THEFT and I did not give them permission to contact me pursuant to 15USC1692c and they feel as if I owe them when they owe me for almost killing me moving my family into a mold infested place to live. 

This is definitely 16CFR603.2 and these CORPORATIONS are going to have to stop this bad behavior, if more CONSUMERS say something this non-sense will stop. I do not feel as if I have to die to stay in somewhere there is mold and I have the proof they moved me into a bad moldy situation and should talk with people about moving into that bad place but I have been cool and calm. This is just bad business, no matter who is doing this I am a woman and do not have to be subjected to this.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

This account does not belong to me. I reside in XXXX and it stating this account was for gas services in XXXX XXXX XXXX. I disputed this with XXXX and Equifax and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

Every year, since XXXX I have reported Equifax to XXXX for failure to provide consumers with their free credit report. I go online to get my free annual credit report from the XXXX agencies. For the past 4 years, Equifax is the only one that has refused to provide me with my free online copy of my credit report claiming, Online Delivery Is Unavailable and I need to submit a mail in request. They then forward the consumer to a link, where you have to pay {$4.00} for a limited version of your free credit report. Every year Equifax is committing fraud by putting questions in their system that does not apply to my credit history. All of the questions I am asked to verify my identity, Equifax is deliberately asking me questions that are not in my credit history. I did a print screen of the questions : telling me I have an auto loan, how much is they monthly payment and an installment account opened in XXXX. Problem is, I have not owned a car since XXXX and have not opened an installment account/personal loan since XXXX. While other questions pertain to a state that I never lived in. After contacting them, they sent me a link that does not work to make it seem like they are trying to help. Clearly, Equifax has a significant amount of erroneous information on my credit report, because my credit score with them is below XXXX, while my score with the other XXXX agencies are the high XXXX 's. When I disputed incorrect information on my Equifax report in XXXX, not only did they not want to investigate the errors and make the corrections, the following year XXXX to XXXX, I have been blocked by Equifax from receiving my free annual credit report from their agency. I was sent several emails with the same link that did not connect me to Equifax or XXXX to get a copy of my free credit report. I have filed a complaint with XXXX.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (KY)

Seterus refuses to send me my loan payoff in a timely fasion, I ordered it on the XXXX, and over 7 days later I do n't have it, they are telling me another 24-48 hours. they wo n't connect me to anyone that can help.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WV)

Equifax and XXXX are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on XXXX Equifax and XXXX as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have filed several disputes with Equifax about removing a chapter XXXX that was dismissed and has been on credit report for 9 years. I have read and done research and understand that it should have been removed at 7 years. It even says on Equifax website that it should be removed. I finally called and was told by XXXX they will not remove it before10 years. He also said I must prove it was a chapter XXXX not a XXXX and I let him know that the letter they sent me states that it is a XXXX not a XXXX. He then told me since it was dismissed it will be treated like a XXXX. I did advise them I will be filing a complaint and XXXX told me to go ahead and file a complaint. That despite everything I have read their policy is not to remove it before 10 years because a dismissed XXXX is just like a chapter XXXX.
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 
Update XXXX as paid as agreed and Delete the Bankruptcy per court order
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

I sent a written demand to add a consumer statement per the erroneous XXXX account appearing as a collection on my report. I also called to verify receipt of my written correspondence on XXXX XXXX, 2015, at which time they advised they would add my consumer statement via dictation over the phone that day. I was given XXXX as a confirmation for that request. When calling on XXXX XXXX, 2015 to inquire why I had n't received a copy of my updated credit report reflecting the addition of my consumer statement, Equifax advised that the request was never properly processed. The rep claimed that she spoke to the Specialty Department who would add my consumer statement within XXXX hours, but that her system failed when trying to give me a confirmation number. Said XXXX XXXX who is the ONLY XXXX in Consumer Relations, who claims to have no direct line for contact nor any ID # claims that he can not 'guarantee ' to process my request and follow up with me to confirm that the consumer statement has been added. 
Also, I have made well over XXXX demands to remove the fraud alert, albeit temporary or extended, from my credit report. Equifax has repeatedly claimed that the fraud alert was removed. See attached credit report dated XXXX XXXX, 2015 which displays an 'Extended Fraud Alert ' and conspicuously so.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (OH)

I obtained my free credit report through Equifax and was able to download it. I decided that I also wanted to purchase my credit score after I had logged off. I followed the instructions on the Equifax website to call the automated telephone system. I followed the prompts and entered my credit card information. The automated system stated that it needed to transfer me and then disconnected before confirming my purchase. I called Customer Service at Equifax and spoke with three representatives. The first did not understand XXXX ; the second verified that my purchase had been made but could not verify if the information would be mailed to me ; and the third was neither able to verify that the purchase was made or that anything would be mailed to me. I am very frustrated that the Federal Trade Commission would use this company as XXXX of the XXXX reporting agencies when the company can not provide me accurate information about whether or not my credit card was charged. It also needs to be made explicitly clear on the XXXX website that if the credit score is not purchased at the time the report is ordered, it will be very difficult to purchase the score.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Court : XXXX County Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1400.00} Court : XXXX XXXX District Court Docket # : XXXX Plaintiff : XXXX XXXX XXXX XXXX Balance : {$750.00} Court : XXXX XXXX District Court Docket # : XXXX Plaintiff : XXXX XXXX XXXX XXXX Balance : {$730.00}