davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (LA)

I have contacted equifax on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX {$180.00}, XXXX {$43.00} and XXXX {$48.00}, XXXX {$2300.00}. After properly disputing these accounts four times i received a letter from equifax stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent Equifax the letter i received. Equifax still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either XXXX. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX, I have multiple disputes with the company and Equifx credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that XXXX magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Equifax has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of reinvestigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Equifax is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

Navient ( formerly XXXX ) has been harassing me DAILY, calling my work/office phone numbers ( in-office and work mobile ), as well as sending me faxes at work and calling my personal mobile phone number throughout the day. They are jeopardizing my job with this incessant harassment. I have sent them a cease and desist letter, as well, and I have copies of this.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (DC)

Navient  automatically un-enrolls borrowers from their " autopay program '' if the borrower attends school again. The autopay program is beneficial because it gives the borrower a lower interest rate and automatically deducts payments monthly. The catch here is that, when the borrower calls to request being re-enrolled into the autopay program, they are told by customer service that they will be enrolled the following month. Then, they are never enrolled, interest continues to accrue, and payments never made. This allows  Navient to siphon money out of these accounts in two forms : 1 ) by not allowing current students to be enrolled in autopay while still enrolled in school, or 2 ) actually lying to students, telling them they will be re-enrolled, and then no action takes place. Meaning higher interest rates are applied to the loans during these " periods of confusion ''. If you graduate with student debt and return to school ( grad school ), you will be removed from autopay without warning, your interest rate will increase and no payments will made. Untill the borrower notices this, and contacts Navient, interest accrues while the borrower is under the impression that they are still making monthly payments. Upon contacting Navient, customer service representatives falsley confirm re-enrollment into autopay for the borrower, which never takes place, again allowing time for interest to accure at a higher rate while the borrower is under the impression that the issue has been resolved.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo. I can't wait to blast you on every new channel possible. You are fore closing on my house.. I have sent in numerous papers numerous times because '' we didn't receive it : .. XXXX claims have been filed on this account because XXXX XXXX has had XXXX and has been on XXXX and oh wait we never received that paperwork... And then we asked to cancel the XXXX coverage. Oh wait you never received that paper work either. Now we file a complaint because once again we have been giving false information we were assi6a contact. That contact I have called SEVENTEEN times... Apparently when I call her phone doesn't work. She promised to call me on Thursday XX/XX/XXXX after XXXX... Here we are Sunday XX/XX/XXXX... No phone call... I am taking this every where... The news... Court. Absolutely everywhere. Shame on you wells Fargo... Refund our XXXX money from when XXXX had XXXX ... And that Will cover the mortgage. I will get this public. You will be shamed for this and our discrimination of treatment
Consumer complaint received 2017-04-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (AL)

My husband and I had what we thought was a home equity line of credit on our home but found out that is was a loan that matured at then end of so many years and the total amount of the loan would be due. The loan was with PNC bank, the approximate amount of {$82000.00} and was due XX/XX/2017, we started working with PNC in XX/XX/XXXX to get this loan converted into a regular second mortgage loan. After speaking with numerous people we finally receive a call from a representative that sent us a package to complete and return. Weeks after PNC received the information they finally contacted us needing more information. I would call the representative that was suppose to be our contact person and leave messages regarding the loan and would rarely get a phone call back if one at all. I can not count the times I left messages and no call back. Once we did hear from her we were told that our debt income ratio would not support the loan. We were told to supply them with more information regarding our income and we did so. There again I was trying to get in touch with her because I knew the loan was coming due and there again no call back. I finally had to email someone at the branch to get our representative to contact me. Again, we were told they could not help us with the loan, even after they have had the loan for years and could look back and see how we paid each and every month with not a late payment at all. We then went with another bank supplied all information they needed and toward the end of the process with no problem. But when the mature date came due ( XX/XX/2017 ) and the total {$82000.00} was not paid in full PNC hit our credit with a late payment which dropped both our credit scores by XXXX points and I am sure we will get another hit for XX/XX/XXXX. Because of this, drop in our credit score, our new bank has put a halt on the loan. Therefore, PNC will not grant us the loan and they are preventing us from getting it with any other bank. We just need for PNC to remove the late payment so our credit score will go back to normal and we can get the loan and pay them off.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Payoff process — 
Company: PNC Bank N.A. (PA)

I HAVE A CREDIT CARD WITH PNC BANK, THE PNC POINTS CARD. IT HAS A LOWER INTEREST RATE FOR PURCHASES, AND A HIGHER INTEREST RATE FOR CASH ADVANCES. I CALLED THE BANK TO FIND OUT HOW TO PAY OFF THE CASH ADVANCE BY MAKING A PAYMENT ABOVE AND BEYOND THE MINIMUM PAYMENT. HOWEVER, I WAS INFORMED BY PNC THAT THIS IS NOT POSSIBLE, THAT THE EXTRA PAYMENT WOULD GO TOWARDS THE BALANCE WITH THE LOWER INTEREST RATE. I INDICATED THAT THIS SEEMS TO VIOLATE THE CREDIT CARD ACT OF 2009, BUT THE PNC EMPLOYEE SAID THAT IS THEIR POLICY IN HOW THEY ALLOCATE PAYMENTS.
Consumer complaint received 2017-04-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

receiptI wen t to Conns and w as approved to purchase a computer from there on credit. I accepted the terms of the agreement and also purchased insurance to protect the computer. After having it for about 6 months to a year ( give or take ) I started having issues with the computer and remembered I had purchased insurance on it for the length of the contract. I brought it to the store in  XXXX  Texas and drop it off for repairs. I spoke with and handed it to my salesman  XXXX   XXXX . I receive a receipt and wa told they would call me once it was repaired. Nearly a month went by and I called and asked was the computer ready, I was told they would have to call me back and advise as they would need to call to check the status as electronics had to be shipped out. I did not receive a call so I went to the store the next day to make my payment and ask again. They were still unable to give me an answer. I advised them at this time that I would NOT make the payment on an item I did not have due to them loosing it. I spoke with my saleman aga in (   XXXX    XXXX    ) a nd he said he would do everything he could to get this take care of. I called their corporate office in  XXXX  to advise of the issues and was told they to would reach out to me once it was resolved but still to date I have not been contacted. Also, I am unsure as to why this is still reporting to my credit file due to the age of which the first " late payment '' was in reality verses what they show.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I concern with the Inquiries on my credit report. I did n't authorize these listed that I sent back in to Experian to investigate how they got their. I did n't give my consent verbally, written, or electronically to pull my credit report.
Consumer complaint received 2017-04-14
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Big Picture Loans, LLC (ME)

i applied for a loan through Big pic loans. They said they were nit a payday loan and my payment would monthly. I paid my first payment on XXXX XXXX. On XXXX XXXX they took an additionL payment out. I called ca and they said i agreed to biweekly payments. I asked for the phone transcripts to verify what i was told on the phone. The said that they could no longer provide phone transcripts. They referred me to my contract several times. I tried expalining to them that what i was told and what they did is differenntthan what what i was tild. I signed the contract based on the phone call. And what the customer service person tomd me. I asked sevwral times if thia was a payday loan amd ahe said it was not. This is a decptive lender. I have paid XXXX on an XXXX loan to date but still owe XXXX pribably more. When i took the loan based in one monthly payment the loan was to be paid in one year. Now because if i now this loan will never get paid off due to the extreme interest rate and based on the fact that i was figuring once a month not twice. I am willing to pay back the XXXX with a resoanable interest but its not possible with the fees ans interest they are charfing. I have placed a stop on my bank account so they can not pull money out of it. Today a payment was due according to there records but can not pay biweekly i never would have agreed to biweekly payments. I need this resolved before it gets out if control and phine calls start. If i have already paid XXXX then i owe XXXX more with a reasonable interest rate. I wasnt able to se the interest rate until after i signed. It is impossible to pay this back. I am also scared of what they can do since they are a triba company. I need a resolution to this as soon as possible to date i have not received fees becauae i paid to stop all payments frim this company. My bank is aware that they may try a different ame and amount so we are monitoring my account. I paid XXXX to stip payments from them. I have demaded that the company remove my account info from direct debit. They said they would but i am being proCtive against them so since today was the first ao called missed payment i dont know what they will do expect charge me ridiculous fees. When they start harassing me i will privide proof. I dis not agree to biweekly paymnets and i do not get paid biweekly so they also changed my application by updating my pay info. This company need to be stopped. They advertise specifucally they they are not a payday loan.but they are in the worse way very deceptive. I also want to make sure they dont destroy my credit by updating it charge off. Also because they took an unautoeizsd payment out of my account my other bills did t get paid this is a horrible company that uses lies to run their company legal action should be taken against them.
Consumer complaint received 2017-04-12
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HONOR FINANCE, LLC (VA)

I contacted Honor Finance almost a year ago to ask them to stop contacting people on my behalf. It is as if they found a list of everyone I 've ever known and contact all of them constantly. They have contacted old boyfriends, old bosses, former TEACHERS, all of my siblings, close friends, extended family, people I have n't spoken to in years, and my personal favorite - someone I had a restraining order against. I contacted them in XXXX to tell them that the car caught on fire and was a total loss and that I intend to file bankruptcy and they continued to harass me daily until I changed my number and blocked their emails, so they make up for it by harassing everyone else.
Consumer complaint received 2017-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (TX)

I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. 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 4 days after the receipt of my certified letter, one can assume that there 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 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.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OK)

My name is XXXX ( DOB XX/XX/XXXX ). I had a student loan with XXXX and I had agreed to pay {$5.00} per month for nine months and my student loan would be forgiven out of default. My loan was then transferred to Navient and I am receiving mail from them saying I owe them money. This loan should not have been transferred and I should not be contacted by Navient. Please get back with me via e-mail at XXXX regarding this matter. I currently do not have a phone at this time and I am homeless. 

Sincerely, XXXX
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

When Navient became my loan servicer, I agreed on an income-based plan paying {$210.00} per month. The person tried repeatedly to get me to agree to forbearance, which I had already done ( and it added a considerable sum to my debt ). At any rate, the agent instructed me to go to the Navient website, make my first payment, and then set up for auto pay. I did as instructed, adding my bank information in the tab that says " autopay. '' Since the first payment was manual, it was debited from my account, but the following two months, no payment was taken ; but they were sure to add late fees and a past due balance of {$430.00}. I called to inquire about this and the first thing the agent did was try to get me to agree to forbearance. I declined and said that they were supposed to have debited me for the last two months but did not. The agent proceeded to tell me that I was not signed up for auto pay. While on the call, I went to my Navient account and confirmed that my bank information was in the " autopay '' tab on the website. He then said I had n't really signed up for auto pay, and he would email me some PDF files that I would have to fill out. When I received these, they were not web-hosted PDF forms that one can fill out, but rather only completable by printing and mailing or faxing, for which no instructions were included. Furthermore, the terms and legalese in the auto pay application were pages long, so long and complex that I was afraid I was committing to something that would cost me additional money. The original agent I spoke with never mentioned this lengthy process. In fact, he just said, " go to the site, make your first payment, and then set up auto pay and you 're good to go. '' There is no mention on the " autopay '' tab on Navient.com that mentions downloading and filling out multiple pages of auto pay application. When other companies do autopay, it 's a simple matter of entering your bank info and checking a box to approve. Now I 'm getting daily emails offering forbearance, and was getting daily phone calls and texts before I told them they ca n't do it any more. All I want is for them to make my account up to date and let me pay the agreed amount, but they wo n't do it. 

Also, why do I owe {$49000.00} on a loan with original principal of {$20000.00}? Is this legal?
Consumer complaint received 2022-01-04
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: EQUIFAX, INC. (VA)

XXXX XXXX account for {$360.00} is being flagged on my XXXX and Equifax credit reports since XXXX. The collection company is XXXX XXXX XXXX ( XXXX ). Since that time I have disputed the charges with XXXX and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to XXXX and Equifax asking for investigation and removal. 

XX/XX/XXXX Reply from Equifax indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from XXXX that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX XXXX XXXX XXXX to both Equifax and XXXX regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to XXXX XXXX XXXX. 

XX/XX/XXXX Reply from XXXX that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can Equifax and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

Per XXXX - SW CFPB AGENT I am writing a new complaint against Citi Bank Cards. 

Citi Bank Card owes me {$250.00} credit unconditional. It is part of Prestige card benefits. 

Citi Bank failed to close the DISPUTE which gave a temporary credit and if the dispute is denied will NOT formally give me a credit. 

I have written to VP XXXX, VP Citi who refuses to respond to me via phone or emails BLOCKING MY ACCOUNT from Customer Service. XXXX is threatening to also charge me for the card annual fee which Citi personnel told me I have 37 days to cancel after billed. 

Citi is DISHONEST and has NOT closed the disputed charge which allows a temporary credit, not a complete credit with dispute closed. 

XXXX, Citi VP and her boss XXXX can be contacted at : XXXX XXXX Citi refuses to communicate via EMAIL or PHONE hindering resolution of this problem
Consumer complaint received 2017-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AL)

I signed up for automatic debit payments from Navient. Navient would take the payments from my account. I would have to call and make the payment over the phone. When talking to them, they would say it 's something wrong my bank account which cause them to not pull the payment. I use the same account to make the payments over the phone. My account always their payment in the account but Navient will say I had insufficient funds in my account. My bank and I have talked and proved there was enough money in the account to make the payment. Navient charges a late fee each time it 's late and it is ruining my credit.