davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

Complaint Against- Ally Financial ( Auto ) XXXX. XXXX XXXX XXXX, MN. XXXX XXXX Account # XXXX Complaint- Excessive charges not explained I co-Signed for a car loan for my son a little more than two years ago. My son got behind on the payments and the car got reposed. This happened on XX/XX/2018. I immediately paid the amount due of {$1500.00} plus a XXXX XXXX fee that night. The breakdown was as follows : Past due payments- ( XXXX and 3 of XXXX ) = {$1000.00} Late charges = {$77.00} Expenses ( retaking and holding the vehicle= {$400.00} XXXX XXXX fee- {$9.00} We had made plans to pick up the car the next day at XXXX XXXX XXXX  in XXXX Texas. No one informed us that they are closed for auctions on Thursday afternoon. We had to wait until the very next day, which we did in the pouring rain. When I got there, I asked what their fees where and I had my credit card in my hand. They said there were not any fees ; they were taken care of by the lender. I wanted a clean slate, since I was taking over the payments. 
The next payment was due on the XXXX which I could not make because the paper work was still in the recovery peoples hands. I had to wait until the paperwork was transferred before I could make another payment. At that time it would be late. When I finally got to do so on XX/XX/2018 ; they told me there was a balance still due of another {$220.00}. I asked for a breakdown of the charges, I was told that a supervisor will need to get that for me. I was given a case # XXXX and her ID # XXXX. She told me I would get a call back in 24-48 hours. I made the payment online and sent a message via the site that I need a call back with the information on the additional charges. I never got any call back. I tried a few weeks later to get someone to send me the charges in writing. I was transferred from the customer service people to the recovery department. Besides from being rude they told me that the charges where for transport fees since they had to move the vehicle. I told them I picked it up as soon as possible and the vehicle was never moved from where they originally towed it to. I asked them to put these fees in the back of the note until they can explain what they were for in writing. They said they were but they show up as past due on the site. Everything they told me was a lie. Apparently its not illegal to lie to people just inmoral. 
I believe we are entitled to an explanation of excessive fees before we are liable and forced to pay them. I do not believe they are NOT an honest company. I highly recommend anyone NOT to do business with these substandard lenders. I wanted nothing more than to start off with a clean slate. They make sure that this will not happened! The American public needs to do a class action lawsuit against these types of rip off companies taking advantage of people! 

Please help us- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (VA)

I was the victim of a scam to which Wells Fargo contributed. I was provided a cashiers check in the amount of {$1900.00} dollars which I cashed at Wells Fargo, where I had an account with approximately {$1200.00}. The cashier processed the check, provided the funds. 31 hours later I received notification from Wells Fargo that the check was not good and my account had been emptied by the bank to cover the amount. Additionally, I was charged {$670.00} to cover the {$1900.00} and charged a {$12.00} fee. My complaint and concerns are that at no time did anyone in the bank advise me that cashing the cashiers check would make me liable for the whole amount, notwithstanding that I didn't have sufficient funds in my account to cover the entire amount. At a minimum I should have been advised of that policy and I would have deposited the check instead and we would all have found out it was fraudulent and worthless. Instead, by extending me the funds in excess of my account holdings Wells Fargo contributed to the fraud perpetrated against me, however unwittingly. The delay from accepting the cashiers check for pay-out to the discovery of it being bogus - a full 31 hours - enabled the scammers to get away with their fraud. I own my duplicity in being scammed. However, current banking policy of paying out cashiers checks on demand notwithstanding the delay in verifying the authenticity of a cashiers check coupled with the bank 's automatic and apparently legal practice of plundering depositors ' funds to cover the bank 's inability to verify the legitimacy of a cashiers check is appalling. At a minimum when a customer is seeking to cash a cashiers check he/she should be informed of any risk to the customer 's account so that the customer can make an informed decision to deposit the check versus cashing it. Further, a customer shouldn't be allowed to cash a cashiers check in excess of their account holdings. The entire practice is deceptive and encourages scammers who clearly understand the banks ' practices and delays in verifying cashiers checks which are complicit in abetting scammers.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I contacted XX/XX/XXXXand Equifax on XX/XX/2021, XX/XX/2021 and XX/XX/2021 about XXXX XXXX bankruptcies on my credit report. The FCRA states that if an account can not be verified it must be removed from my credit report. XX/XX/XXXXand Equifax says they got the bankruptcy information from XXXX XXXX so I contacted XXXX XXXX myself and XXXX XXXX couldn't verify the bankruptcies so they deleted both of them from the database. XX/XX/XXXXand Equifax can not verify the bankruptcies that they are reporting so according to the Fair Credit Reporting Act, they must delete both bankruptcies from my credit report. I am attaching the confirmation letter I received from XXXX XXXX to show the bankruptcies were deleted from the database. If XX/XX/XXXXand Equifax don't delete them I will be looking for an attorney.
Consumer complaint received 2018-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (GA)

I applied for a loan to get XXXX XXXX at my eye doctor 's office in XX/XX/2016. The loan was serviced through Synchrony Bank. I received the XXXX in XX/XX/2016 at a cost of {$3800.00} at a fixed rate, promotional percentage of 14.90 % for 36 months. 

I have been able to locate payment records since XX/XX/2016 for a total of {$3200.00} paid so far which I have attached a ledger for ( I can only go back 2 years with my bank and Synchrony so I could have paid more ). 

Currently, 24 months into the 36 month loan, I have a promo account balance due of {$880.00}, but a monthly payment due of {$530.00}, which includes a past due balance of {$350.00}. Synchrony says I will be in collections until the {$350.00} is paid. Also, my monthly bill is now {$180.00} vs the original {$130.00}. 

The promo balance, along with the interest rate, within my promo period don't make sense to me. 

I believe I have been charged excessive late fees and am still being penalized for them. I am also being billed different monthly payments from my original amount, which is designed, in my opinion, to keep me in collections since I never know what is due each month. 

My payment started out at XXXX per month, for 36 months. 

My statements are created on the XXXX of each month. The billing date is the XXXX of each month. 

If I missed a payment, I doubled up, sometimes paying twice within a month period ( payment record attached ). When began receiving an exorbitant amount of late notices, I asked the bank why, and they told me if I pay too early in the month, they would still consider my payment as late and charge a fee for the same month anyway ( correspondence attached ). 

I would like for someone to credit my account for all late fees charged within months for which a payment was received early from me. 

I also want all interest charged against such fees to be credited. 

I also want my monthly amount due to be stabilized and consistent. 

I have been called every hour on the hour Monday - Sunday from XXXX XXXX est to XXXX XXXX est by Synchrony 's collections system. As you can see by the attached payment record, I have been making my payments and do not understand the harrassment, nor the exorbitant monthly amounts that Synchrony says I owe. I want this collections harrassment to end. 

I need help. 

Thank you.
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: On Q Financial (VA)

We have bought our first home in XX/XX/XXXX FHA with On Q Financial. Unfortunately, we got sick in XX/XX/XXXX and was out of work for two month and a half. We were out from XXXX, XXXX and mid XX/XX/XXXX. As soon as we told out employers they told us we couldn't come back to work until we tested negative. That was back in mid XXXX, but during that time we contacted On Q financial and told them the situation and submitted proof that we tested positive of XXXX, They told us to apply for the COVID program, were they required for us to submit and application and proof of income and other documentations in order to get approved. I started the paper work in end of XXXX before we get behind but, it was a back a forward with they about the paper work. I could never get answer as of what other documentation they needed and why they needed it for. All they would message me was that i was missing document until sometime in XXXX if am wrong we got a letter that we got denied. but during all that time we became behind on our mortgage 3 months. Which is what we currently behind, we have been paying but it been hard to catch up with since are also behind on other stuff. ( car, insurance, bills ) but we are doing our best to get back on our feet.
Consumer complaint received 2018-02-13
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: EQUIFAX, INC. (NJ)

There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

On XXXX I submitted letters to chexsystems because they have me listed for checking account fraud I requested les it has been well over 60 days with no response I feel like I'm being taken advantage of this is a violation of the FCRA act by failing to provide accurate disclosures to a consumer when they have an active fraud alerts on their accounts I am repeatedly denied bank accounts because I have fraud notations on my chexsystems report I ordered XXXX and there is no mention of fraud chexsystems is failing to provide me the same information that they are providing the banks they're hiding the fraud designation in the XXXX I've spoken with someone at XXXX  XXXX XXXX and they informed me that no money was taken I'm being misled by these disclosers and I demand that these checking account fraud notation be removed or I will le litigation due to the stress they caused me my information was also impacted by XXXX data breach and may have gotten into the wrong hands
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I checked my report and noticed late payments reported for the Home Depot card through CBNA. I never received a bill in the mail. I relocated and my mail has been having issues ever since. I have not received mail from USPS in three months. They have an ongoing mail case open and trying to track it all down. If you look at my history, I never once paid late.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

I put down a deposit for a moving company on my credit card. I was assured the deposit was fully refundable. I tried to contact them to cancel my move with them. They called and left me a voicemail and the number they said to call them back at was a non-working number. I emailed them and got no response back. I disputed the charge with my credit card company and they issued a credit. The moving company replied with a letter with incorrect information saying that they came to pick up my belongings XX/XX/XXXX, but I am still in my apartment and my move date was for XX/XX/XXXX. Chase then rebilled me saying it was a valid charge. I contacted chase that these were fraudulent claims and they said there was nothing more that they could do. The moving company will not give me my money back and is not moving my things and chase is not refunding me. I have documentation of the emails and the contract I signed.
Consumer complaint received 2021-06-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I recently sent a letter to XXXX, Equifax, and XXXX due to me being a victim of identity theft, on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Equifax is still showing a public record ( Dismissed CH XXXX Bankruptcy ). I have disputed it with them, and they have verified the information as coming from XXXX. This item was removed from my XXXX report in XX/XX/2020. Case # in reference is : XXXX removing bk case # XXXX from my file. 
Equifax claims that the record is verified by XXXX. Please explain how this is so when you have removed this information.
Consumer complaint received 2018-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Nelnet, Inc. (GA)

XX/XX/2018 ... XXXX XXXX a subsidy company of XXXX XXXX XXXX XXXX is the new third party company used to apply for financial aid for my sons private school. The upcoming year will be my sons second year at this private school. He attends the school made affordable by a tuition need scholarship. It is now required to apply for aid through XXXX XXXX. The application process was previously of no cost to the applicants as it was need based. Facts Is targeting low income families by requiring payment to submit the grant application. Other companies have a waiver available for situations of this type. Facts does not offer such and in turn is prohibiting access to financial aid for students unable to pay cost of tuition and excess fees. Without the submission of the aid application by the due date the student misses the opportunity for scholarship opportunity. When Facts was contacted about a fee waiver the company agent says this is their bread and butter there is no way to submit financial aid application without paying the fee. This is appears to be a predatory discriminatory practice against need based students. As an unemployed single mom trying to gain access to better education services for my child, this is poor business and it needs to be addressed. XXXX takes advantage of student loan borrowers and now has turned to blocking opportunities from secondary school students.
Consumer complaint received 2021-06-28
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. (TX)

The account listed : XXXX XXXX Account Number : XXXX Has been requested to be removed from personal credit reports for over a year. Numerous attempts have beeb made with no success. The information being reported is not valid. Additionally the account is currently litigation ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, Case No. XXXX XXXX in XXXX County, Missouri. 

The reporting agency and the alleged account holder has been contacted repeatedly regarding the removal of the account from report, almost on a monthly basis. 

The reporting agency has not provided requested information to validate the information as accurate. Items requested have been : -Proof of your right to to report this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature Instead have only provided : - Account history, including any charges added for collection activity. 

Which by no means validates a debt as accurate, but instead continues to hinder my rights under FCRA. 

The alleged debt also has claimed to be reposed by the account holder, but the account holder and the reporting agency have failed to provide information regarding repossession or Bill of Sale. 

Attached are letters of communication sent to all parties.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IA)

I have attempted to make payments and as of the last time I spoke with the XXXX XXXX customer service in XX/XX/XXXX my accounts were paid and in good standing. When I would log into my XXXX / Synchrony Account card online it reflected a minimum payment that was due in XX/XX/XXXX but did not reflect any other issues or delinquency with the account. Then one morning I woke and my credit dropped 90+ points and stated my XXXX/Synchrony Financial Card was past due - so I logged in online and again it reflected a current account. However, I paid an amount to determine if it would move out the due date, it did. I made a payment and it reflected a due date of XX/XX/XXXX.  When I attempted to contact their collections and customer service department they just kept arguing with me and telling me this is collections and my account is current - then they advised they haven't rec 'd a payment from me for months. I advised them to check their contact records because I called and set up payments with them and have not heard from them until I noticed my credit was impacted and paid right away. They co n't to try to transfer me, talk over me, argue with me and ended by just keeping me on hold.
Consumer complaint received 2021-06-28
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: Nelnet, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-11-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I have been struggling to make my payments on this private student loan that I have with Navient. I had a co-signor and when I miss a payment they will repeatedly call the co-signor several times a day. She has received at least 1 call from them every day for over 60 days. The last time I spoke with Navient ( which was XX/XX/XXXX or XX/XX/XXXX ) I confirmed all my information and asked them to call me and not her, but they still call my co-signor relentlessly. Several times a day, but have not tried to contact me. I understand that i took the loan and I am responsible for it. But to call us continually, every day, several times a day is HARASSMENT!!!!

And should we discuss the fact that the people she and I have spoke with in the past seem to think they can be rude and disrespectful just because I am 1 or 2 months behind on my payment!!!! I am willing to submit any documents I have including and not limited to phone records showing the # of incoming calls my co-signor has received.

Seems Navient ( among other companies ) thinks they have the right to harass people just because 'we ' owe money.

I would appreciate a response to this complaint. I have been dealing with many financial and personal hardships since I took this loan.