davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (TN)

We purchased a vehicle from Ally Finicial and we got behind on the payments, they repoed it once we paid all fees and went got it back and few months later the same thing happened but both times telling us they had rolled payment to the end of the term, XX/XX/2014 got behind again tried tried to work it out they would n't take anything less than XXXX XXXX We were told they took possession of the car back they would sale it at an auction deduct that amount from the balance and send us a letter letting us know how much vehicle sold for at auction and what our balance would be! They have never heard a word from them since its reporting on our credit I 've tried and tried for over year and half to get validity of the bill of sale at auction to verify outrageous amount they say we owe, they never respond, never have yet sent record or anything to my disputes on all XXXX credit reports they blow them off within a day credit reports say consumer disagrees account charged off! Is it not our right to know and have explanation of why a balance of over XXXX grand is on my credit report? Arent they suppose to oblige to my disputes and correspond with me once disputes the validity of my account standing and my dispute? Am I shunned and stripped of my rights because the repairs on the vehicle got to expensive even tho we purchased for extra XXXX $ power train warranty and with XXXX $ monthly payments? Please help me as a consumer to straighten out this huge issue that Ally nor credit companies not make them abide to the laws. Thank you very much
Consumer complaint received 2015-11-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

In XXXX of 2015 I called Ally Bank and was asking about a refinance due to a job loss. 
I ended up doing a skip a month. However the agent put in the wrong que so I got charged for the refinance charge. I did not realize the mistake until I received a call about a pass due amount, which I did not owe. I have spoken to the bank several times, they have acknowledged they made a mistake, yet they will not remove the black mark. They tell they are but it does not happen. Last month I was turned down for XXXX new jobs because my credit rating dropped XXXX points. In checking, I see now that Ally reported me over 60 days late for a car payment, which is not true, its their mistake that is showing the error. I have called there to get this corrected but they just are not doing anything. I do n't know what to do and I need your help. Ally knows the mistake is on their end, but the collections do not take the time to read all of the history. This is causing me much distress and I am loosing jobs, that I badly need because of their neglect. Can I sue them?
Consumer complaint received 2015-09-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: We Collect Inc (WA)

i had a auto loan through XXXX that went into default they sold the debt to atlas financial atlas filed for a judgement and got it approved when filing a auto loan judgement the law is they have to file in the county you reside in they did not do this im in XXXX county XXXX the judgement is in XXXX county XXXX where ive never lived when they got the judgement they filed to the credit beurros both reliable and atlas filing against my credit for the same loan legaly they cant both file for the same loan after reliable sold the loan to atlas not filing in my county they should have never got a judgement i have sent several letters to the parties involved in this atlas financial and reliable credit and the XXXX beuros with no positive result i would like this off my credit report more than XXXX tactic they have used is not legal and they should not be able to report negatively please help me with this issue thank you XXXX XXXX
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have a state tax lien against me which I paid against me on my credit report and first I started by talking to the irs they said they could n't help but would recommend it dropped because the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011 and second I visited XXXX XXXX clerk in XXXX ny where the lien was issued and she was going to drop it but the report was efiled so she could n't and just told me to dispute it and I should be fine ... now if the irs and XXXX XXXX clerk are willing to drop this idk why experian has an issue with it.. I have just started trying to fix my credit and I have a kid on the way so I 'm trying to better myself in everyway for that so please any help on this will go a long way.. I have attached the efiled document and will be willing to give any info required
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AZ)

Experian, I enclosed XXXX different reports from them, same creditorXXXX- XXXX XXXX account to be removed XXXX XXXX XXXX XXXX XXXX account, XXXX reports, XXXX completely different storiesI thought this creditor would be gone, so glad I checked the report. The American public has no trust in these bureaus to do the right thing when you are not watching them. I did and look what happened, they keep bogus reporting on to sell profiles to make money
Consumer complaint received 2015-07-05
Product: Credit card — 
Issue: Billing disputes — 
Company: SUNTRUST BANKS, INC. (FL)

XXXX I recieved a phone call from an XXXX speaking person claiming to be from XXXX telling me that they have been alerted that my computer was corrupted. They told me that the XXXX anti-virus software that came with my computer was not strong enough to correct the problem and they got me to purchase another software for {$250.00} which I put on my SunTrust credit card. They gave me an XXXX number to call if I had a problem. When I called that number it did not go to XXXX, it went to another company. I then called XXXX directly and told them what happened. They told me I had been scammed and that these people had no connection to XXXX and to take the software they installed off my computer before it got further corrupted. They said they would never call anyone saying their computer had been corruptedWhen I found out I had been scammed I called Suntrust and told them what happened and they took the charge off my card. 6 months later in XXXX they put the charge back on my card saying it was a good charge since I authorized it even though I had been scammed. I refused to pay the charge and they took it to a credit agency. My credit was reduced from XXXX to XXXX. I now have a hard time getting a credit card. I have contacted SunTrust with all kinds of documentation proving the scam but they refused to change their mind. The internet is full of very same story where this company has been calling XXXX 's of other people just like me claiming to be from XXXX and that their computer is corrupted. SunTrust does not stand by the people who bank with them. I would never do business with them again.
Consumer complaint received 2016-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (FL)

My student loan is over 25 years old. I defaulted in XXXX and resumed payments in XXXX. I have made over {$37000.00} in payments. My contention is that I no longer owe the Federal government any money because the amount they paid to the loan originator, as the guarantor, was about {$19000.00} - I believe I have paid what I owed plus a lot more. The government does not agree with me. In XXXX I was told that what I owed was {$24000.00} ; they did not include a breakdown of the amount, i.e. what was the actual loan amount, capitalized interest, and, what I have subsequently learned, was additional fees and costs that they could collect. I also had a wage garnishment in XXXX so I decided to start paying. I did have deferments which capitalized more interest and now my debt to them is over {$28000.00}. Also, when I started repaying the loan in XXXX, the government could have just charged me the 3 % interest rate that was in effect - instead, they went for the full 8.25 % that was the top rate. I guess they felt they were doing me a favor b/c my original rate was 9 %. WHEN does this end? I have contacted a student loan ombudsman and was told that I should just continue with the PSLF program I am now in. I want to ask the servicer to verify the loan and that I owe anymore money to them. The XXXX agreement also ddi NOT include the wage garnishment so I have no idea if that was actually credited to the payments I made in the XXXX. I recognize I did not act responsibly when the loan was originally due but now feel as though I am being punished by being made to pay way more than what the government paid as guarantor for the loan.
Consumer complaint received 2015-11-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (IL)

My private student loans are serviced by AES. Over the years I have had significant difficulties with the loan servicer not providing accurate information in regards to my loans. More recently, I attempted to have my parents released as co-signer of my loans only to find out that after a few years earlier being told that I could have them released after a certain period of time, I learn that I was denied co-signer release because the terms of my loans do n't have a co-signer release due to the years they were dispersed. When I question who the owner of my loans are I have n't received an answer. I originally borrowed from XXXX XXXX XXXX and on my credit report as well as my parents credit reports it says NCT. I have been requesting from AES proof of who owns my loans as well as contact information for NCT for nearly 2 months now and I am told that they do n't have information to contact NCT. It took them nearly a month to provide me with my original promissory notes ( finally received them yesterday ) and even after very very careful examination of the fine print of those promissory notes not anywhere in any of the documentation does it state anything in regards to a co-signer release or that the loans are not eligible for co-signer release. I have demanded that AES provide me with documentation of the co-signer benefits and stipulation but have yet to receive much more than a generic almost computer generated response. Even when you call them it seems as though the customer service reps are trained to respond in certain ways and that their knowledge is lacking as well as their customer service skills. I 've seen news stories on how NCT likes to sue people for not paying their loans but then when they get to court they cant prove that they are the owners of the loans.
Consumer complaint received 2015-08-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

They started billing me even though I was still in school after I graduated to continue my education. I was under the assumption that I had 6 months after I was done with school to start paying. I have XXXX loans though aes and my second loan is current as of today and I did a annual credit report last week and found out a judgment was made against me even though I wasnt served. My email is XXXXXXXXXXXX and my number is XXXX
Consumer complaint received 2017-02-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

PNC CONTINUES TO PLAY GAMES AND NOT COMPLY. THEY HAVE DENIED THE CLIENT ON XX/XX/XXXX FOR THE HAMP WHEN IT WAS STILL IN PLACE STATING THEY DIDNT HAVE A COMPLETE PACKAGE. WE ENTERED AN AGREED SALE DATE WITH XXXX XXXX OLD ATTORNEY FOR THE BANK XX/XX/XXXX TO BE HELD IN 20 DAYS OF COURT DATE BANK AND ATTORNEY WHERE NOT AVAILABLE TO EVEN SEND US A RESPONSE TO A DATE. TILL XX/XX/XXXX AT WITCH TIME THE PRIVATE MEDIATOR THAT THE DEFENDANT IS PAYING FOR WERE OUT ON VACATION FOR THAT WEEK. AFTER THAT, THEY WOULD NOT AGREEE TO A MEDIATION DO TO THE FACT THE TIME HAD EXPIRED ON COURT ORDER. AND TODAY XXXX I RECIEVE A DENIAL LETTER OF XXXX 2016 THAT WE HAD NOT SUBMITTED A COMPLETE PACKAGE. THEY HAVE ALSO CHANGED LAW FIRMS TO XXXX. HEAD ATTORNEY IS XXXX XXXX PHONE NUMBER XXXX. NOW THIS ATTORNEY AND LAW FIRM HAVE NO IDEA OF WHATS BEEN GOING ON FOR THE LAST 3 YEARS WITH THIS BANK. THIS IS MY CLIENTS PRIMARY HOME AND HE HAS BEEN STRUGGLING TO KEEP IT AND THE BANK CONTINUES TO PLAY GAMES WITH OUR CLIENTS HOME. ISPOKE TO XXXX FROM PNC TODAY ID DVK AND WAS TOLD THEY CANT DO ANYTHING FOR THE CLIENT CAUSE THE HAMP PROGRAM IS NO LONGER VALID. WE HAD A FIRST COMPLAINT # XXXX WE REALLY NEED YOUR ASSISTANCE IN THIS MATTER.
Consumer complaint received 2016-08-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (FL)

I was scammed and defrauded by a college called XXXX. 
This corporation was a satellite school that originated in XXXX, XXXX. 
There were XXXX satellite colleges.One in XXXX, XXXX, one in XXXX, one in XXXX, XXXX, and I went to one in XXXX XXXX, XXXX. I was a student from XXXX and XXXX. 
In XXXX it collapsed. There is NO XXXX XXXX XXXX. It was absorbed by the XXXX which is the capital of XXXX I pursued a XXXX XXXX called XXXX XXXX XXXX in XXXX. ( XXXX ) This is a degree that can not be used. Therefore I have been defrauded of major money. 
This organization has charged me XXXX dollars at Federal Loan Services. 
In XXXX, the institution eliminated job assistance and placement office. 
The former president of XXXX is XXXX XXXX who was discharged in a scandal. I am asking for your help to investigate this scam and advise others of " buyer be aware ''. The large amount of FedLoans has been in the news in a very bad light. 
Please help with any and all points.
Consumer complaint received 2017-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

I have a student loans with Fed Loan Servicing account # XXXX the interest rate is outrageous XXXX % for loans dispursed in XX/XX/XXXX and XX/XX/XXXX that is more than XXXX % above the current and previous prime interest rate.I have asked for assistance however they will not reduce the rate and will not allow any loan forgiveness even thought my daughter herself qualifies as a special educator. 
I am XXXX and trying to retire they will not allow my daughter to take over the loans nor will they work with me in other than my death there is no options for assistance. 

How can this be ok? I tried to help my daughter and at the time we were completely mis lead, my daughter was lead to believe she could transfer the loans into her name and that due to her occupation she would receive Teacher loan forgiveness. None of this ended up being accurate or true. Now I am stuck in a horrible situation.
Consumer complaint received 2017-03-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MIDFIRST BANK (TX)

During the month of XX/XX/2015 I made a lump sum of 80,000 to pay off my mortgage. I then contacted my mortgage company about lowering my payments because the amount I owed was less than what I owed on my car. The mortgage company XXXX Midland Mortgage ) suggested that I modify my loan to lower my payments. They said my payments would go down from 1200 to 600 if I participated in a modification program. I was then told to not make a payment and that the company would be sending me new loan papers. I then received a late notice in the mail after I did as I was instructed and I called the company to notify them that I was confused on why I was getting a late notification when I was told not to pay my loan by their representative. They then told me to ignore it and that once I complete the modification the loan would show current. I did as I was told but at no time was I notified that this was being reported to my credit bureaus as late payments as it was my understanding that the loan was being modified internally. I was a customer that did not have problems paying my loan as I had just paid 80,000 to my loan. If I follow the plan that they want me to stay on, for a balance of around 24,000 dollars I would end up paying them XXXX for the life of the loan. The company wanted me to appear as if I was struggling to pay my loan to get federal approval for the modification when that was not the case.
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (DC)

I completed the proper forms to request PSLF and emailed Fed Loan shortly after confirming my eligibility and asked that they provide me a date of transfer for the loans and got the following response : Thank you for contacting FedLoan Servicing! 
Your loans will be added to our system on XXXX XXXX, 2016. We will then calculate and provide you with the following information for each loan : - The number of qualifying payments you made during the qualifying employment period listed - The total number of qualifying payments you made during all periods of qualifying employment - The number of payments that are still required before you can apply for forgiveness - The date you are expected to be eligible to apply for forgiveness Your account must go through a detailed review process, unfortunately this review will take a minimum of 90 days to complete. This process can not be expedited due to the transfer of your loans. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday trough Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing Today I am being told by a rep at Fed Loans by the name of XXXX ID XXXX that the transfer of the loans from the original servicer who was XXXX took place on XXXX/XXXX/2016 and can take an additional 30 days to reflect on their system giving a post date on or about XXXX/XXXX/2016 which is not what I was told in the above email. I was then transferred to PSLF by the the Fed Loan rep and was told by XXXX the same thing but in addition to waiting up to XXXX/XXXX/16 for the loans to post, I will have to wait an additional 90 days from completion of the transfer to find out how many payments are eligible for PSLF for an estimated total of 5 months to complete this transaction which is not a realistic timeframe. In the meantime although the loans being transferred are currently in forbearance I have to sit and wait before I can pay anything towards the loans which is totally a violation particularly with my not knowing what my new estimated payment will be, how much the monthly payment will be impacted, nor the balance remaining due to this long processing period. If I had the preference I would have kept XXXX as my my servicer as their website is much more user friendly. I wish XXXX could handle processing/tracking of payments for PSLF. Fed Loans should take note and learn a thing or two from XXXX.
Consumer complaint received 2016-02-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (FL)

SunTrust home equity line of credit statement cycle was XXXX XXXX, XXXX to XXXX XXXX, XXXX. Payment for this cycle, of {$690.00}, was made on XXXX XXXX, XXXX and is correctly reflected on this statement. Website incorrectly showed statement date as XXXX XXXX. Another payment for the following cycle was made on SunTrust website for {$690.00} on XXXX XXXX, XXXX and received on XXXX XXXX. That XXXX XXXX payment DOES NOT appear on the XXXX XXXX, XXXX statement. SunTrust also did NOT credit the payment for the current billing cycle, and claims another payment is still due. 45 minutes on the phone and XXXX different representatives, and repeated explanations, and no resolution yet. Claiming they will research and get back to me.
Consumer complaint received 2016-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (NV)

I have a delinquent student loan. For several years, tax refund money has supposedly been credited towards the balance. I have received no documentation from the student loan that they have ever received money and no specifics from XXXX XXXX as to where the money was sent. I need a complete accounting from XXXX parties to make sure that the monies were handled appropriately -- since I have never seen any change in the balance I owe. Do n't know where to begin to resolve this -- I now have a collection agency threatening garnishment of wages. There must be some system in place to document where and how these monies are being appropriated??
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I had Chase LOAN for my Home, They transfer my Loan to XXXX, CHASE ACCEPTED MY PAYMENTS UNTIL XXXX XXXX AND SENT XXXX BANK TO CHARGE ME SINCE XXXX + THEY ARE BEING CHARGING ME OTHER AMOUNT THAT IS NOT WHAT I WAS TOLD SINCE 2015 AND CHASE MAKE MY LOAN TO COME HIGHER INSTEAD OF LOWER SINCE I BEING MAKING MY PAYMENTS ON TIME. 
BEFORE CHASE TRANSFERRED MY LOAN, I WAS TOLD THAT THEY WERE GOING TO REVERSE THE CHARGES THEY MADE BY MISTAKE BY ADDING TO MY ESCROW EXTRA CHARGES AND LEAVE MY LOAN BALANCE THE RIGHT WAY AS THEY ORIGINALLY HAD IT SINCE XXXX/XXXX/2015 AS THE LETTER THAT I 'LL ATTACHED SENT IT BY THEM " CHASE '' ALL I NEED IS TO FIX THEIR MISTAKES ON THE ESCROW ACCOUNT AND SENT ME THE LAST XXXX PAYMENTS FOR XXXX AND XXXX THAT THEY RECEIVED IN ORDER TO MAKE THOSE PAYMENTS TO THE XXXX LOAN BECAUSE I HAVE NO MONEY FOR DOUBLE PAYMENT. THIS IS NOT FAIR FOR ME, LAST THING I NEED TO MENTION IS THAT CHASE REPRESENTATIVE TOLD ME OVER THE PHONE WAS THAT, WITH CHASE BANK INSTITUTION, I CA N'T DO ANYTHING AGAINST THEM BECAUSE THEY HAVE ALL THE LAWYERS TO SOLVE ANY PROBLEM AND HE ALSO MENTIONED ABOUT NEW BANK XXXX, HE SAID THAT WAS AN ADVISE, THAT XXXX WAS GOING TO TAKE MY HOME AWAY FROM ME IN LESS THAN 30 DAYS AND THEY WILL ALSO GOINT TO KNOCK MY DOOR WITH THE POLICE IN ORDER TO GET ME OUT. 
I 'M VERY SCARE BECAUSE I KNOW THEY ARE STRONG AND THIS IS MY ONLY CHANCE TO GET SOME FAIR HELP.
Consumer complaint received 2015-03-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP (GA)

Hard inquiry ran on my credit report by this company without my permission. No application via phone, email, or mail requesting credit from this company. I have paid all accounts on report and would like this removed as it pulled my score down. This was an unauthorized hard credit pull and should be deleted by company. Information possibly sold or transferred to another company on file. 
Republic Finance XXXX XXXX XXXX XXXX, ga