davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

The Navient co-signer release process is a scam! I graduated three years ago in 2014 and I am still struggling to get the co-signer release approved after submitting a co-signer release request close to a dozen times over the past two years! Every time, it is another ridiculous excuse!
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I have paid faithfully on the loan for three years with no late payments. I have XXXX jobs and an excellent credit score which is in the high XXXX XXXX. I have less than {$300.00} in credit card debt and I do n't have a car loan payment and I do n't pay rent! I have even paid more ( close to double ) every month than the required minimum payment.
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Navient has made false statements about how easy it is to have the co-signer released after a year, but fail to mention in the tiny print that apparently, I have to actually be personally approved for the balance on the loan amount? I have heard EVERY excuse as to WHY they wo n't release the co-signer. It has become a financial burden to my family since my parents are paying astronomically high interest rates on their house equity line since they ca n't refinance because of their debt-ratio specifically linked to the Navient loan balance. My parents have paid ridiculous amounts of interest for the past two years because of Navient 's refusal to release my co-signor.
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This is going on for over two years and has proved to be a serious financial burden to my parents for apparently no other reason than Navient 's unwarranted refusal and untruthful statements about the requirements needed for a co-signer release.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma (WA)

I have several hard inquires on my account that shouldn't be there. I don't have the right contact information to ask that they review and get them taken off. 

XXXX XXXX  Inquiry from XX/XX/XXXX I have no idea what this one XXXX Inquiry from XX/XX/XXXX I want this reviewed and taken off. 

XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX I want to have these reviewed and taken off XXXX/XXXX  Inquiry from XX/XX/XXXX i have no idea what this one is
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I had a checking and savings with US Bank. They sent the accounts which were offering a settlement. The accounts were sent back to the bank. When I tried to call and settle they refused the honor the settlements amounts because that was a third party and said I had to pay in full and did not offer me a type of settlement. One rep said that had to be done locally. I contacted the branch manager and CEO of the company and have not received any response back.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (MN)

On XX/XX/2018, I deposited a check of {$4000.00}. After a few hours, TCF took this deposit and turned it into a debit on my account thus turning my available balance far into the negative. I called and they said this is normal in which they need to hold the funds before they can release. I understand holding the incoming funds from being released, but not taking the available funds from my account and doing what with? Earning interest on their end? I was sitting at dinner and couldn't pay because they essentially held my money. Even their employee said that it was ridiculous but sadly outside of her control. Based on her tone, she gets these calls often. 

How. Is. This. Legal. 

Tomorrow I am switching banks.
Consumer complaint received 2018-11-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SHABANA MOTORS (TX)

My vehicle just got repossessed, and I was forced to over pay on the loan. the problem that I'm having with this company is incorrect or fraudulent balance remaining, since I've bought the vehicle 3 years ago I've been keeping track of my payment, the company report to the credit bureau that I still owe about {$9000.00} which is incorrect, so I called the company with the information that I have to get them to correct the balance remaining on my lawn which in reality should be somewhere around {$3000.00}, after they disabled my vehicle I called to pay off the rest of my loan which they denied me to do, so I asked them how much do I have remaining on the loan to pay it off and they refused to tell me, so I informed them that the balance that they're reporting to the credit bureaus is incorrect and then I was hung up on. 
Another but unrelated complaint is Shabana Motors never honored my powertrain coverage, within the first 24 months I've replaced my front wheel axle shaft, fuel pump, timing belt, head gaskets, and CV joints.
Consumer complaint received 2018-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I have a vehicle loan with Ally Financial, for {$200.00} on the XX/XX/XXXX every month. I had auto billpay set up, and in XX/XX/2017, I received a bill pay check in the mail from Ally. I turned off my bill pay for the month from XXXX XXXX and deposited the bill pay check I received. The amount {$200.00} was taken out of my account twice by mistake since the automatic bill pay still went through and the bill pay check was deposited. I asked XXXX to reverse one of the payments since I was charged twice. I was then contacted by Ally, stating that when they tried to collect my payment it was denied by my bank. I informed them I was charged twice and only reversed one of the payments, my XXXX   account matched this information. Ally responded by saying that they only received one attempt at payment, which was declined and they proceeded to charge me a {$10.00} late fee, in addition to an extra {$200.00} to be paid on top of my next payment. I spent countless hours contacting XXXX   XXXX and Ally to figure out where the problem was, even going as far as to send multiple copies of my bank statements to Ally highlighting the error, and opening several investigations. Each time I was told an " investigation '' was underway, I was told to call back again in 10 business days. Each time I did this, the person who I reached at Ally had no knowledge of the investigation, and none of them were capable of pulling up my bank statements, despite me sending multiple copies. After weeks of correspondence, I learned that the bill pay check that I deposited was taken by XXXX, ( deducted from my account ), was never received by Ally. This made my extra payment reversal appear as though I reversed my only payment on their end. I was told that they have no records of the check ever reaching them, and they even ruled out the possibility of it being deposited to someone else 's account by back checking the check number.
Consumer complaint received 2018-11-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo Auto Loan Services XX/XX/18 at XXXX PST to resolve my late car payment. First error was that the automated system nor the agent of Wells Fargo did not indicate that the call was being monitored or recorded. The representative was extremely rude and uncooperative when seeking a temporary deferment due to my current financial hardship. According to the rules of Wells Fargo, they are not able to approve a deferment unless i have income coming, which defeats the purpose of the needing the deferment. I explained to the representative on numerous occasions that do have income, as I have been approved for unemployement, i am just waiting for my first check. representative exclaimed in a very rude and obscene manner that there is nothing they can do until i receive that income. I am already 20 days past due. The level of unprofessionalism and lack of understanding of my situation from one of the biggest banks in the nation, who is already under a lot of scrutiny on a multitude of fronts including stealing money from their own consumers, is unethical in nature. I first spoke to a representative named XXXX ( no last name ). The bulk of unprofessionalism, the lack of helping a consumer needing to get back on track, and the attitude this representative had was unwarranted and very disrespectful. I asked to speak to a supervisor. Once the supervisor got on the line, the supervisor was WORSE than the original representative. His name is XXXX XXXX. XXXX let me know that he listened to the call and that there is nothing they can do for me. I then told him, I was not aware, nor was i told that the call was being monitored or recorded, which is against the law in my state. He was extremely combative and unwilling to help or listen to my situation. He just kept saying that, i listened to your call and there's nothing we can do for you over and over again. And you became a supervisor how? Both of the representatives clearly do not enjoy working for Wells Fargo. I urge that Wells Fargo hire competent employees that actually want to help people get current with there loans and provide different methods and avenues to assist their consumers willing to get current.
Consumer complaint received 2018-11-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (CA)

I was sent an EMAIL From XXXX XXXX XXXX on Tuesday XX/XX/2018 that stated the Forclosure on My Home Is On Hold, then Why am I Receiving Notices Of A Set Sale Date Of XX/XX/2018! QUALITY LOAN SERVICES IS ATTEMPTING TO DECIEVE THE CFPB AGENCY AND ME! THIS IS AN OUTRAGE UNDER THESE CIRCUMSTANCES WHILE CHASE BANK SENT ME A LETTER ON XX/XX/2018 CLAIMING THEY WILL HAVE AN UPDATE ON XX/XX/2018? AND I ALSO NOTED CHASE BANK SAID ITS MY ACCOUNT! THIS IS NOT MY ACCOUNT, I HAVE NO ACCOUNT WITH CHASE BANK NOW OR EVER, THIS IS AN ILLEGAL PHANTOM DEBT, PERIOD! QUALITY LOAN SERVICES IS ATTEMPTING TO ILLEGALLY SELL MY HOME, WHILE CHASE BANK CLAIMS TO BE INVESTIGATING THE IDENTITY THEFT, EQUITY THEFT AND TRUST DEED FRAUD, AS IT HAS BEEN DOCUMENTED AND ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION OF THE XXXX. UNDER CALIFORNIA PENAL CODE 115 PC THE FILING OF FALSE OR FRAUDULENT DOCUMENTS ARE A FELONY, YET XXXX XXXX XXXX XXXX DID JUST THAT, FILED FRAUDULENT DOCUMENTS WITH A PUBLIC OFFICE, THIS IS INEXCUSIBLE AND CRIMINAL. THEY ARE IN NONCOMPLIANCE WITH FDCPA 15 1692 HARRASSMENT AND ABUSE, THE USE OR THREAT OF USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION OR PROPERTY, AND THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT.
Consumer complaint received 2018-11-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TX)

I had a student loan with Sallie Mae ( sold to Navient ). I had intended to finish school with University of XXXX, but at the same time I was attending XXXX XXXX XXXX. By the time I ended the day at XXXX school, the library was closed. So I had to drop out and focused on XXXX XXXX school. During the course of my account I had missed a few payments. I was in financial hardship during the period I had the account. I have PAID the account off last year 2017. I have request Navient to forgive my late payments on my credit file after I had paid off the account, and with fail they denied me.
Consumer complaint received 2018-11-15
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. (GA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (PA)

On or around XX/XX/year> I was a victim of identity fraud in the amount of {$1700.00} and the balance old is {$1900.00} I have one to my local police district and made a police report and I have copies of the report the student account or loan was open with my information but I'm not the one that applied for it I have contacted this company more than once I was just recently told from the US department education that this is not their issue but they're still reporting on all my credit reports this account is a fraud and under that fcra law estates us 15 code 1681 e that any information on a person 's credit report that is inaccurate it must be updated and removed immediately this account is a fraudulent account and it should not be reported on my credit report
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MN)

Saw debt on my credit report, reached out to the company and requested : the following substantiation in my letters, : the name and address of the original creditor ; the date on which the alleged debt was incurred ; an itemization of the debt ( i.e., what portion of the total amount constitutes principal, interest, fees, other charges ) ; a summary of the payment history on the debt ; a copy of the applicable contract giving rise to the debt ; and a copy of the underlying account statement and other writt and they have failed and broken all sorts of laws
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

We have struggled to get Wells Fargo to review my application for Loss Mitigation Assistance due to hardship, income reduction, loss of rental income, and no assets. I kept being told I do not qualify I have 5 properties, however it is 3. The other ones co signed do not have anymore, we have provided all documents and unsure why I was denied. They could not explain to me the denial reasons, I have played phone tag with them for over a year now. I recently applied in XX/XX/2018 and unsure what happened and why I was denied. Now I am being told after many attempts to re-apply the sale date is close and we can not do anything. 

Please escalate this matter to their VP, Chairmans, Attorney 's as this is an ongoing process and nothing has been done with their management esclation team. No one wants to have authority to make exceptions, we love our home and need to keep for retirement purposes and have true hardship and cannnot get loss mitigation dept to to their job successfully.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (CA)

Im having trouble with my bank and the credit card that was issued to me. At first I managed it pretty well but when I went through hardship I had to use it more then Id liked too so my balance was high. But even before then since I could remember my APR is at 24. I never was late on my monthly until Last month because I felt like just giving up. Ive tried to plead for them to work with me but am declined every time. Also I have a checkings account where theyre killing me with fees. All together Ive paid at least XXXX in fees. Their app doesnt show transactions until days later and the balance is not accurate. Please help
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I was notified that XXXX XXXX did a hard inquiry to Equifax on XX/XX/XXXX. I did not authorize XXXX XXXX who said the request came from XXXX XXXX which I did not authorize either. I filed a dispute with Equifax confirmation # XXXX. On XX/XX/XXXX I received an email that the dispute was completed and to contact them for results. I spoke with them and are refusing to remove the hard inquiry that I should dispute it with XXXX. But Ive had no dealings with XXXX  and I think they should be the ones to ask XXXX for proof that I authorized them which I did not. 

Why is the burden of proof on me? Equifax has an obligation to keep my credit report accurate and they arent doing that.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

What is this complaint about? Last year I paid fees associated with reinstating my mortgages after a short bout of unemployment. I bought my mortgage up to date paid all past due fees, attorney fees and foreclosure associated fees. 

What type of problem are you having? Wells Fargo is now advising me that we owe additional monies ( unpaid corporate balance ) of {$880.00} stating that we did not satisfy all the attorney fees when we reinstated our mortgage. They recently sent me a letter stating my mortgage was in default as a result of these unpaid fees. While my mortgage is currently up to date and not due until XXXX. 

What happened? I emailed and called. Some one by the name of XXXX XXXX in the executive suite called and shared with me that he would investigate my claims and reply in 15 days. He replied today via phone only to state that the claims are valid. He stated that he attorneys company sent them an invoice after the fact and that I am responsible for those fees. I vehemently deny those claims and feel that this is another attempt by Wells Fargo to defraud me and obtain additional monies in an unethical manner. These additional and excessive fees are a violation of RESPA What company is this complaint about? Wells Fargo Who are the people involved? My family, and Wells Fargo ( particularly the recovery department )
Consumer complaint received 2018-11-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX,, I Receive a Response Back From Wellz Fargo Bank Concerning Issues About Overdraft Protection,, The Problem Is My Account Statements Is Blocked Online Don't Have Access to Any Transactions,, No Paper Statements has Been Issues To Me By Mail at All Concerning This Matter,,,, And For The Settlement Pay ment Go,, Note,, XX/XX/XXXX ( unathorized Bank Accounts Opened,, Was Never Conspenated At All,, Used Deceased Parents Information To Open Those accounts,, If There Was A Settlement Paid In Then Why Was I Conpensated,, This Facts to The Best Of My Knowledge,, XXXX Knows The True,,, This Is So Mess y
Consumer complaint received 2018-11-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WI)

I received an email from Wells Fargo giving me information on how to access statements for an account I never opened. I DO NOT HAVE, AND NEVER HAD, ANY BANKING OR FINANCIAL BUSINESS WITH WELLS FARGO. 

The Wells Fargo " customer service '' will not do anything, even verify if they sent the email, without me giving them personal information. They would not even verify if the return email address belonged to them. I am supposed to go to one of their institutions to have someone look into it. 

I need to make sure I have NO accounts with Wells Fargo. 
I want any and all personal information they may have on me removed from their possession. They do NOT have my permission to have any information about me.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

I have recently ( XX/XX/2018 ) paid off a mortgage which closed 5 months ago (XX/XX/XXXX ). This mortgage has no prepayment penalty and I was able to pay off without it. And now I got notified by the broker ( XXXX XXXX ), that the lender ( Flagstar bank ) is charging the broker more than 10k of prepayment penalty and the broker wants me to pay the penality.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (IL)

I originally applied for a loan modification months ago. I was given unemployment forebearnce program. I then applied for a loan modification when my unemployment ended. I have been being declined 4 times. 

They keep saying that my new payment is going to be higher than my modified payment. I have appealed this because they are NOT taking into consideration that I am LOSING money from my trucking business and they need to take both jobs under consideration. First my XXXX income and then SUBTRACT my losses from my trucking income. 

Why issue a unemployment program forebearnce program and then NOT help someone get modified and put them MONTHS in arrears. I need my loan modified. 

I do not want to lose my house to foreclosure. Please help me.