davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (WA)

I contacted Apple card operated by the terrible company Goldman Sachs in XXXX regarding a charge I did not recognize. I am traveling XXXX XXXX XXXX XXXX and no longer have my American phone number so they will not verify my account and will not allow me to change my phone number and will not email a verification. I contacted them on XX/XX/XXXX and XX/XX/XXXX and also when I went back to the states for a few days and they would not allow me to pay or cancel because I do not have the same phone number. I have had the card since XXXX and made every payment in full on time as to avoid the 30 percent interest charges. Why is that allowed? these interest rates are hurting people. But, that is another problem for another day. But, I have a good credit score and this is hurting me. Also, I saw an interest charge went through even though I can access the account. A message came up on my phone. I just want to pay my bill and not pay interest as this is not my fault. I literally can not access my account. Also, Apple does not have a separate number for credit cards and Apple service so the chat bots are always confused and I can not reach a person to help. I believe this is predatory and should not be legal for a customer to not be able to pay a bill while traveling or access one 's account just because a phone number was changed. This has caused a lot of stress and time just to pay a charge. Also, there are others this has happened to and it is not right these big companies partner together, start credit cards, and are not required to hire appropriate staff to help people. And, also, like all other credit card companies do not have a number to contact them outside of the XXXX. Please help. I just want to pay my balance and close the account. I have text message accounts I can send of all my attempts and how they will not help me because I do not have a XXXX phone number.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Misleading Information Dear Consumer Financial Protection Bureau, I am writing to formally express my concerns and dissatisfaction regarding misleading information and inaccurate reporting related to my credit report. 

In XXXXXXXX XXXX, I applied for a car loan for a XXXX XXXX and subsequently leased the vehicle at the end of XXXX. Prior to this, I had placed a security freeze on my credit report after experiencing identity theft. Upon reviewing my credit report through Experian, I discovered multiple inquiriessix in totaldespite having authorized only one for my car loan application. When I contacted Experian, I was informed that the additional inquiries would not negatively impact my credit score and that I should not worry about them. 

However, after applying for a XXXX XXXX XXXX XXXXprompted by Experian 's numerous promotional emails highlighting XXXX percent offers and a No Ding Decline policyI was declined. I received an email from XXXX XXXX indicating that there was a ding on my credit report due to these inquiries. Upon receiving a letter from XXXX XXXX, I learned that my application was declined solely because of the number of inquiries on my report. 

Further communications with Experian revealed that I needed to contact XXXX XXXX  to request the removal of these inquiries, despite the fact that Experian promoted these offers. XXXX XXXX  informed me that they do not participate in any programs offered by Experian and that they always conduct a hard pull when someone applies for a credit card. Additionally, they do not issue letters authorizing the removal of hard inquiries. 

I believe that Experians actions may be misleading and potentially harmful to consumers. If this issue is not resolved, I will consider pursuing legal action, including exploring the possibility of a class action lawsuit. I am requesting that the CFPB take appropriate measures to investigate this matter and require Experian to remove the inaccurate hard inquiries from my credit report. 

Thank you for your attention to this important issue.
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (MI)

XXXX is once again attempting to collect on the bogus final payment of {$160.00}. XXXX contacted XXXX XXXX XXXX., XX/XX/2016. The case no. was XXXX and case No., XXXX. 

After corresponding with both the cfpb and XXXX, I received notification from XXXX that " We ( XXXX ) consider this matter closed as of XXXX/XXXX/2016. '' Now this same bill for {$160.00} has been assigned to another debt collector FBCS at XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX, PA XXXX. The FBCS Case No. is XXXX. 

XXXX failed in their notices to me and to XXXX to identify the billing period associated with this expense. The equipment was returned prior to the next billing cycle, and my XXXX connection was disconnected prior to the start of my next billing cycle. My final XXXX bill of {$11.00} was paid and check # XXXX because that is what I owed XXXX. This check was cashed as well. No explanation was given for the next charge of {$160.00}. 

How do I stop XXXX from the continued harassment and bogus debts they insist I owe? Please help me and stop XXXX from this type of attack on my credit. 

I now have to notify the FBCS within 30 days and explain again that this is a bogus billing for which XXXX has no valid explanation. Otherwise FBCS will deem " this debt to be valid. '' I do n't want to be dealing with this problem for the rest of my life and I will not be pressured and coerced into paying a bill I do not owe. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TN)

I currently have Navient as my student loan servicer. I have received numerous harassing phone calls from them stating that I was either late on my payments or the payment amounts were incorrect. Almost every month after I had made my payments early, they would call and say that I was late or I did not pay enough. So after I was manipulated into believing that I had paid the wrong amount, I sent more money and then increase the amount the next month. I was convinced by Navient that the phone calls would stop if I paid, but they did not. They kept calling me each month with the same story. I sent this email to their " Consumer Service '' email address : To XXXXXXXXXXXX XX/XX/2016 at XXXX Dear Navient, The information you have about my account is incorrect. I was told that the amount I 'm supposed to pay is {$110.00}. In the month of XXXX, I made two payments ; one for {$100.00} and one for {$110.00}. These payments were made before my due date ; at least a week or more. 

The emails you send are so conflicting and misleading. They do not contain adequate information such as loan/account numbers, monthly totals, etc. They are very vague and seem to be intentionally misleading. When receiving these emails and collect calls, I become XXXX. I ask myself why is Navient continuing to contact me for payment and I am making payments. Once again when my loan was with XXXX, I had no issues. I was n't harassed for payments because, like I 'm doing now, my payments were always made on time and for the correct amount. 

Just a quick note, all the emails you have sent are being kept. I am printing them out an comparing them to my payment dates from my online banking account. Thank God I make my payments through my bank. Also, I will be notifying them about you all. This is just a precautionary measure in case you guys try to send a payment back or say you did n't receive it. I just want to make sure they are on the look out for any fraudulent practices. I 'm not making accusation about the fraudulent practices ... .it 's all over the Internet and in the news. 

In the meantime, can you please update my account so I will not continue to receive these harassing collect calls for no reason? 

Thanks in advance. 
-- -- -- - Even with this email the phone calls still kept coming. Here is another kicker ; when I was receiving these phone calls, I was in school and Navient knew it. 
They can not continue to get away with this.
Consumer complaint received 2016-06-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

So my car was repossessed from Fifth Third Bank. They said I need to pay {$660.00} because of a late payment in XXXX 2016. I look back and that was when I had a deferment because my husband was out of work. They told me to fill out a letter and send it in. I have proof that I sent the email in and signed it. They told me there would be an extra monthly payment added on to the loan. Now XXXX XXXX, 2016 my car was repossessed and I had no idea why my car payment was sent through mail a little over a week before ( because they said I am not eligible for the online payment ). I called confused and they said once your payments go through then we can give you the release form. Then my husband called and they said we owed XXXX in repossession fees ( including the 2 payments of XXXX on there way ) I was confused to why it was that much when my car payments are {$280.00} per month and {$290.00} when they are late. So I called again to try and understand where this money came from and they said it was from XX/XX/XXXX when we missed a payment. That 's when I explained that was our month of deferment. She then tells me it was n't approved. I explained how I would be told if there were any problems with the deferment process that she would contact me. The representative then told me we were contacted multiple times and left voicemails. I then asked what phone number they have been calling and she gives me numbers that do n't even have the same area code as me. I know they have my phone number and my husband 's on file because that is how I verified my account. On top of that they have my mailing address. She then puts me on hold so she can talk to her supervisor. They are now giving me a deferment for XX/XX/XXXX and adding repo fees to XX/XX/XXXX and XX/XX/XXXX but I still have to XXXX XXXX the {$660.00}. I just feel like I should n't even be in this position right now.
Consumer complaint received 2016-05-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I had an auto loan through Fifth Third bank and was sent payment booklets. The final payment from the booklets was paid, thinking that my car was paid off and I could obtain my title. When doing so, the bank teller then informed me that there was an additional $ 500+ owed before it was completely paid off ; she could not indicate what exactly the extra money was owed for. I called the customer service center and they could n't provide any information as to why I was being billed more than what the payment booklets indicated. I have an issue because there was never any letterletter, notice anything that indicated that the payment booklets would not complete the payments for the car. There were no late payments, missed payments or anything of that nature ; I actually paid ahead at a point in time and was ahead of schedule. This is a major issue because had I known this I could have sought refinancing through other lenders
Consumer complaint received 2016-04-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

FREEDOM MORTGAGE is charging me for " payoff statements '' they send to lenders I am researching in an effort to refinance. Now my XXXX payment says I owe {$30.00} more than my normal, fixed 30-year payment! 
While calling, a representative also found an erroneous " late fee ''. ( My payments are deducted directly from my checking account and have NEVER been late ). I imagine that " late fee '' has been included in the payoff amount, adding an additional {$41.00} to their profit. I am a Veteran and resent the sloppiness of the bookkeeping and additional charges.
Consumer complaint received 2015-08-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (VA)

When I applied and opened my loan with Avant Credit it was for a line of credit. I received approval for a {$12000.00} line of credit and have an email describing my loan details. Shortly, thereafter they indicated I was approved for a lesser amount {$11000.00}. I did n't care about the {$600.00} difference. A few months into the loan, they advised they were changing my line of credit to a normal installment loan. They indicated the terms of the line of credit allowed this change without my consent. What bothers me the most since this change, is that my monthly payments keep increasing even though I am paying the minimum amount with no further loan withdraws or charges to the account. I do n't understand how the monthly payment is not decreasing on this type of loan and Avant Credit ca n't explain it it me either.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XXXX XXXX, 2015 Fifth Third closed my checking account without notifying me. On XXXX XXXX, I went on line to check my balance and seen the account closed. I Called the XXXX office in XXXX Florida immediately, spoke to XXXX, asked him why the account was closed and he said they did not want my business. I told him I would pick up the check, he said I could not pick up check, it was mailed to me on XXXX XXXX. On XXXX XXXX I called and spoke to XXXX, told him I still did not receive the check and he said it would take 5-7 business days for me to get the check in the mail. On XXXX XXXX I called him again to tell him I did not receive the check and he said to give it a couple more days. I told him to just cancel the check and write me a new check and I would pick it up. He said he could not do that and I have to wait to receive the check. I told him it does not take 10 days for a check to be delivered by the post office. They are refusing to give me my money and I think the check is still sitting at the XXXX office. When I asked him who closed the account he refused to give me an answer. When I called customer service for fifth third they said the XXXX office closed the account and they could tell me exactly who closed it and where the check is. Customer service said I have to deal with the branch that closed the account, no one else can help me. I emailed customer service XXXX times and no one ever responded, though their email to me said they would get in touch with me within 24 hours of receiving my email. I left message for the manager to call me and never heard back. As the attachment shows it is alot of money they are holding of mine. XXXX 's last remarks to me were if he has to cancel the check it is a very hard and long process and it could take months to do that, so I better just wait for this check unless I want to wait at least 2 months more before I get a replacement check. They are being unreasonable and I know it does not take this long to get my check. I have talked to several other banks in town and they do not believe the way fifth third is handling this. Other banks I have talked to say, when they close an account they notify the customer and let them come in and get their money. When I mentioned this to XXXX, he said they always close accounts this way. I never received a certified letter from fifth third as XXXX states was sent to me. When I asked him to prove who signed for it, they would have it on file, he said he could not locate this information.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I have a car loan through Fifth Third Bank and can honestly say I regret going with them for my loan. I have NEVER had this much trouble with a bank than what I have with them. I recently got married and had a last name change, therefore I also switched insurance companies. They sent me a letter stating they needed an updated insurance policy, my initial thought was no big deal I will fax them a copy. I called them to make sure I had the correct fax number and to let them know that it would reflect my new last name not the one they had in the system, but everything else was the same and my car was insured. They then looked up my policy number to try and link my insurance instead of me faxing it. Again, I thought that would be easier so I went with it. However, they then tell me my insurance policy is not active and that I have no insurance. ( Which I know is not true since I have everything in front of me proving that I do, and make the monthly payments. ) They said I should call my insurance company. I called and I do in fact have insurance. Then I call Fifth Third back and ask does it matter what my last name is as long as it shows that the VIN on my car and the VIN they have has insurance. I was told yes and that I need to come in with my ID, insurance card, and a letter from my insurance company. Keeping in mind they know I am not local and in fact live about an hour away. They would not fax or do anything over the phone with me. I also work at a job with set hours so I get off at the same time that they are closing. Making it a real inconvenience considering I already live far away from the nearest branch. Now I have to leave MY JOB early to give them information that could have easily been faxed in the first place, oh and not to mention this all has to be done by the XXXX of THIS MONTH. I will NEVER recommend this bank to anyone nor will I EVER open another account with them. Their lack of consideration and care for the customers really showed today and I have NEVER been so displeased with a bank before.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX DEPT OF EDUCATIONXXXX, U S DEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate, And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) .

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, After any reinvestigation under paragraph ( 1 ) if any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-10-31
Product: Payday loan — 
Issue: Can't contact lender — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Today this afternoon I received a voicemail from XXXX the guy stated that there was a lawsuit filed against me and to please call XXXX an the case number which included the last XXXX of my ss #. I called and a nice girl answers the phone and she knew my full name, last XXXX of my SS #. She then stated it was from a pay day loan XX/XX/XXXX for {$300.00} from 5/3 bank and XXXX XXXX. She says but now because of court fees and interest you owe {$1900.00}, I told her I do n't owe anything and if so everything was included in the bankruptcy. She said hold on let me check your bankruptcy, she said XX/XX/XXXX?, I said yes, she said sorry that was n't included in the bankruptcy. I told her well I believe so. She said that is a loan that did n't involve a credit check and was not reported to your credit report.I said ok and how much to settle and she said I would have to place you on hold and find out if the paralegal will allow this as they do want to take you to court. She then said you can settle today for {$710.00}. I said email me a copy off the charge I am being sued for, she said unfortunately I ca n't do that because we did that before and then someone changed it and put paid and when we took them to court we could n't do anything because it stated it was paid in full. Therefore you will be provided a copy when you fulfill the debt. She asked me for a credit card or debit card and I said I do n't have one and she said well I will give you until Monday to get a reloadable card. If you do not call back and fulfill this we will file this at your local county clerks office. So she said you are on a recorded call. I was so shocked and especially that they had perfect XXXX, not the typical XXXX accent. I guess they know now we are on them. So I of course started to XXXX the phone numbers and XXXX XXXX and I could n't find anything. I even XXXX 5/3 bank and who was their pay day loan company, still nothing. I then XXXX the XXXX area code and came up a few sites where people were talking about the scams they had experienced which were the same or similar to mine. I am so glad I found this site because I was like Monday I am calling my Paralegal and I am calling 5/3 bank and see if they are associated with XXXX XXXX. Then I told my husband about the call I received today and he said oh I received a call from that number today, but did n't answer the phone. The kept calling and they knew my name I was working and told them I was busy and I hung up. He was like that is a major scam no one that sues you or is attempting to sue calls you. You basically get served the papers. It so disgusts me what this world has come to. I hope they get these crooks ASAP.. They should be put to prison, sued, etc ... Leave innocent people alone ...
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/2020, Ally Financial repossessed my vehicle. I didn't consent to any paper work for them to resale my vehicle, because initially I wanted to pay to get the vehicle back. The car was then resold without my consent and there was a remaining balance of {$41000.00} left for me to pay. By law, I was supposed to receive a bill of sale or some kind of documentation stating what the car was sold for. I haven't received anything from Ally Financial. They also falsely reported late payments onto my credit. 

I have reached out to the company to resolve this, but they haven't gotten back to me. 

I am asking Ally Financial to delete the entire profile due to false reporting and failure to provide the XXXX XXXX XXXX.