davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (OK)

I had issues with this loan, which honestly my credit score at the time should have NEVER even been approved it was a shock to me and my spouse. I kept the loan in deferment as long as I could while waiting to see about the lawsuit with XXXX XXXX and also was talking with Great Lakes about my XXXX. My loan came up last fall and when I would call Great Lakes they would refer me to another number and the next thing I know I am getting 5 to 20 calls a day mostly recorded about student loan debt. Around mid XX/XX/XXXX I sent my first XXXX request via US mail as I did not have a computer. The phone calls got so bad that I really cant answer my phone for fear that most are scams. They look like cell phone numbers. My understanding was everything was kind of in limbo because of the hold up on the XXXX XXXX XXXX. and it could take even a year. I had checked the box to have collections stopped etc. In XXXX I receive notice that my XXXX checks are being garnished over {$200.00} a month, my credit score dropped, and we were getting ready to purchase a home using my husbands VA loan but can not because they put me in the XXXX system. Thinking my application was pending the long XXXX system I never saw this coming. I wrote the XXXX and received a reply XXXX XXXX. They claim they sent me notice in XX/XX/XXXX. This is not true at all. I most definently would not have missed that. I do not think the USDOE understood my letter as really their response made no sense to me and really all they did was point fingers back to servicers and the XXXX. I redid the XXXX application on line XXXX XXXX. I wish I had kept track of EVERY conversation and communication I ever had. I personally experienced and was vocal about XXXX XXXX from the start, I experienced a good portion of the complaints proven against them in court myself. These were actually reasons I only ever attended the school after seeing one class into my second session that it was NOT going to be better. I have a HUGE issue with the government letting this loan go in my name at the time when they were already aware of what XXXX XXXX was doing and my credit at the time was beyond terrible. Furthermore they have made it impossible to take care of it. Great LAkes points me to USDOE, USDOE point me to Great LAkes or a XXXX servicer. I am XXXX but I am not listed as permanent and I have not filed for XXXX relief. 
I don't understand why this has gotten to this point. I want the garnishment stopped and the loan off my credit and out of the system. It is way more than myself that this effects. The government knew this school was defrauding me when I enrolled in the summer of XXXX. My intention was to try to better myself and it has done nothing but the opposite.
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

I purchased a XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX. Toyota sales personnel refused to negotiate a lower MSRP of {$30000.00}. I had been looking for a new car as I had totaled my XXXX XXXX in an accident on or around XX/XX/XXXX. During the course of looking, I noticed the MSRP on the XXXX XXXX listed with a price tag of about XXXX. The XXXX XXXX value also list a sales price of {$26000.00} see attached I also noticed the older cars had sales prices of {$34.00}, XXXX or above, years XXXX and up. As I was homeless at the time and without a permanent home, my car was of vital importance to me. I informed the salesperson of this, and he stated I should never tell anyone I needed a car. In trying to get a fair price, I inquired as to any discounts available. I informed the Finance person, I had a military ID. TOYOTA PROVIDES A {$500.00} MILITARY DISCOUNT as noted on their official website. XX/XX/XXXX Rule for military ex spouses. They refused to allow the military discount available but did give a {$500.00} rebate. They have also added fees entitled accessories of {$1600.00} in which I did not request or add any additional accessories or add-ons. The tinted windows came already with the car from the manufacturer.. The carpet in the car has dislodged from the molding holding it in place. The car does not appear to be new and has never had a new car smell, and in fact when I turn on the heat now, or not running the air it smells like a mans cologne blowing through the vents. I assumed I was buying GAP insurance, but instead it seems I have purchased an extended service agreement. I requested to pay for the insurance/service with cash but the finance officer said I had to have it included in the loan for the coverage to be in place. I also researched and discovered the invoice price was {$21000.00}. The whole experience was one of deception and cheating. The loan amount is {$10000.00} over what it should have been. The complaint is filed pursuant in violation of ECOA guidelines and FDCPA. 
The loan amount and balance due is is {$36000.00}. The sales price of the vehicle ends up {$32000.00} The amount financed is {$34000.00}. I am XXXX, XXXX American age XXXX, female,
Consumer complaint received 2018-09-05
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)

I have filed a dispute with Equifax ( Confirmation XXXX ) and they have failed to provide documents that their company has on file which was used to verify the accounts that I have disputed. 30 days has since passed and under 611 ( 5 ) ( A ) of the FCRA they are required to delete any information that they are unable to verify in which I have disputed. Please assist me in dissolving this matter. Thank you in advance.
Consumer complaint received 2018-09-05
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: SYNCHRONY FINANCIAL (MD)

There is a hard inquiry on my XXXX credit report that I do not recall nor authorize the below company. Letters ( XX/XX/XXXX and XX/XX/XXXX ) were sent to the company attempting to get this removed. No response! 

Syncb/XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022 I attempted to purchase Gasoline with XXXX Bank of America XXXX XXXX XXXX card. The card was denied. I called a Bank of America XXXX XXXX XXXX on the phone. They indicated that Bank of America was not denying the charges and it was on the consumer end that my card was being denied. I purchased gas at XXXX XXXX XXXX XXXX at XXXX gas station on the same night for approximately $ XXXX. On XX/XX/XXXX, I attempted to make a purchase of approximately $ XXXX at a service station. The card was denied. The clerk tried the card XXXX times. This was after Bank of America assured me that they were not denying the charges. I've attempted for XXXX days to get through to the customer service department to clear the issue. I also used the chat feature which is absolutely no help. The customer service is atrocious and abysmal and the wait times are forever to speak with someone.
Consumer complaint received 2022-05-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (NY)

Ally has violated my Federally Protected Consumer rights under the FDCPA and TILA. 

ALLY FINANCIAL is a debt collector pursuant to 15 usc 1692a ( 6 ). Any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debt.

ALLY FINANCIAL is in violation of 15 usc 1692c ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

ALLY FINANCIAL is in violation of 15 usc 1692b ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

ALLY FINANCIAL is in violation of 15 usc 1692b ( 5 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

ALLY FINANCIAL is in violation of 15 usc 1692d ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person with the collection of a debt. The use of obscene of profane language or the natural consequence of which is to abuse the hearer or reader.

ALLY FINANCIAL is in violation of 15 usc 1692c ( a ) ( 1 ). A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

ALLY FINANCIAL is in violation of 15 usc 1692e ( 8 ). Communicating or threating to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

ALLY FINANCIAL is in violation of 15 usc 1635 ( a ) in the case of ANY consumer credit transaction in which security interest is obtained, the obligor shall have the right to rescind the transaction until XXXX  of the third business day following delivery of rescission forms required under this section.
Consumer complaint received 2018-09-05
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

This account was in forbearance but late payments from the end of XX/XX/XXXX-XX/XX/XXXX are reported. If the account was in forbearance there should not be any late charges reported on all 3 credit bureaus.
Consumer complaint received 2021-08-03
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. (MS)

Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2022-07-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX someone logged into my WellsFargo online banking. 

There were four accounts : " XXXX '' : XXXX  usage in last 4 years, {$40.00} balance. 
" Business Checking '' : Minimal usage ( 3-4 transactions a month ), $ XXXX balance " Business Credit card '' Credit limit XXXX used {$1500.00} " Business line of credit '' Credit Limit XXXX used XXXX on XX/XX/XXXX there were 10 transactions. 

4 from " Business line of Credit '' account. 
Transactions were in amounts of {$990.00}, XXXX, XXXX, etc 6 from " XXXX '' account, however since it had no money, the overdraft protection kicked in and charged the transactions to the credit card. ( same transaction size pattern as above ) All transactions were made using " Bill Pay '' feature, 6 payments were made to account called " XXXX XXXX XXXX XXXX XXXX '' ( i don't & haven't had XXXX accounts in >20 years ). 
4 payments went to " XXXX XXXX '' account. 

Total withdrawn : XXXX Multiple calls, MANY HOURS of speaking with rep after rep asking to speak with someone with decision making authority, Wells Fargo replies with : " We deny the claim. based on our research the transactions were made through secure online session by you or someone who had your authority. Based on this information, we determined the transactions were authorized. '' I dont know what to do as I cant take responsibility for XXXX stolen from WellsFargo via loans using my online account access. 

No one had access to my home or my computer, if someone did, they certainly knew their way around payments and thresholds ( {$990.00}, {$990.00}, etc ) not to trigger any alarms.. I mean what are the odds someone would wait for me to leave & break into my house. 

Saying " we didn't find any unauthorized access, so it must be you '' is a terrible answer..it simply means YOUR TEAM didnt FIND it.. The occurrence is a FACT 6 payments to same payee, 5 min apart, all just a few cents under XXXX 
From accounts that haven't been used in years, VIA OVERDRAFT Account.. 
Immediately followed by 4 payments to different payee, using same tactic ^ If THAT doesn't set off any alarms and doesn't OBVIOUSLY look like fraud, I don't know what does
Consumer complaint received 2021-11-13
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: CORELOGIC INC (DE)

In accordance with the Fair Credit Reporting Act Section acceptable lawful COMPLIANT REPORTING STANDARDS such as the potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( s ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiableMETRO 2 FORMAT compliance of reporting standard ( s ). Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( s ).

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

My XXXX XXXX account ending in XXXX is showing closed and I reopened the account a couple days after closing it. I closed it in error in XX/XX/XXXX and reopened it inXX/XX/XXXX. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But the balance on my statements and being reported to all the bureaus is the balance from when I closed the account in error - {$900.00}. The balance of the account as of today XX/XX/XXXX is {$620.00}. I have made payments each month and the payments and balance is not being reported. Also the account is still being reported as closed. I received a letter from XXXX XXXX giving my balance on XX/XX/XXXX of {$720.00} ( I have made another payment since then ). But that amount is not being reported or my new payment or that the account is open. I received a call from XXXX XXXX stating that they are reporting the proper information to all 3 credit bureaus and that they corrected any errors. But my reports still show the same information. Account closed and balance of {$900.00}
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

My identity was stolen and I have a bunch of accounts in collections. My credit score is  crushed! 

Americollect collections - XX/XX/XXXX - {$220.00} Americollect collections - XX/XX/XXXX - {$280.00} Americollect collections - XX/XX/XXXX - {$280.00} Americollect collections - XX/XX/XXXX - {$150.00} Americollect collections - XX/XX/XXXX - {$220.00} Americollect collections - XX/XX/XXXX - {$220.00}
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AL)

I have had trouble with this account due to their system error that gave incorrect amount of days that my account was past due that caused me to pay over 30 days late and I also was told by one of their representatives that if I paid by XX/XX/2017 it wouldnt reflect a late payment. I have disputed with credit bureaus and have asked the company to fix this since they had a system errors. Multiple representatives have verified that they had a system error but still havent fixed this. I have been working on this since it happened on XX/XX/XXXX
Consumer complaint received 2022-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I believe Fed Loan Servicing is defrauding student loan borrowers. have applied for Public Student Loan Forgiveness multiple times. I meet the criteria. I have followed every step. I continue making my payments. They made a clerical error. They denied forgiveness based on their clerical error. I have been employed by a verified employer since XXXX and they entered XXXX which subsequently omitted many years of qualified payments. 

I found there error. Called. They called me to resubmit. I did. They did not correct the error. I called again, they said they would begin a formal review to correct the error and I would hear from them in 7-10 business days. 

Instead, 15 days later they are selling my loan off and not qualifying me for forgiveness. 

I have been on hold for 2.5 hours. Today I have been on hold for three hours and have not hung up my phone.
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A. (WI)

The judgement entered by the court was {$4600.00}. They have already garnished {$5100.00}.

They continue filling new adjustments to the garnishment order with the incorrect amounts owed. They have alternated collecting on 2 separate judgements to increase interest owed and cause confusion. They have " misplaced '' money that was garnished from my wages and have no intention of correction. They refuse to provide any information on why the judgement has not been satisfied.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (KY)

I opened a case XXXX with Wells Fargo. My checking account number is XXXX. On XX/XX/XXXX, Wells Fargo closed my account without any warning stating " fraudulent activity ''. Wells Fargo clearly mentioned that they will release the fund of {$7700.00} within 60 days if no one claims the money. FYI, Wells Fargo did not ask for any explanation from me. 

After 60 days, on XX/XX/XXXX, when I called Wells Fargo, they said they will NOT release any funds to me. They will not provide any explanation on whether any claims have been made or what happens afterward. They just froze that {$7700.00}. FYI, Wells Fargo did not ask for any explanation from me again. They did not release any information to me either. 

I filed a CFPB case XXXX. In response to that, Wells Fargo sent me an official letter saying wells Fargo ( WF ) will send me the money on/after XX/XX/XXXX. But, again when I called today to check, WF said they are NOT going to release any money to me. FYI, they did not ask for any explanation from me.

So far, communication has been one way. Whenever I tried to talk to WF for more information, they did not release any information. They did not ask for any explanation from my side either.

Please note that my account had some Zelle transactions due to a high school reunion event. As an organizer of the event, I am collecting these funds and booking the venue. If WF asked for an explanation, I could provide all the details. But, Wells Fargo took the opportunity and just took my money away. At this point, they are NOT offering any solution either.