davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (FL)

I recently submitted a request to US BANK to participate in the HAMP modification program. I had been redundantly asked to re submit information concerning my employment status because of a misfiling of the original paperwork. I absolutely understand having to clarify paperwork. However I do not and can not understand why I would be repeatedly asked to re submit the same information. Each time having changes in the demanded paperwork ie ; first request being for XX/XX/XXXX info then expanded to XX/XX/XXXX and XX/XX/XXXX ' or paperwork was originally requested to have acct # then expanded to acct # and physical signature. I currently have a high interest rate and it seems that the redundancy is simply defer and delay tactics by the bank to continue to get paid that high rate all while I absolutely do have need and qualification to modify. 
Thank you for your attention to this matter.
Consumer complaint received 2016-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MI)

US Bank has been reporting my account as 30-days late XX/XX/2015. However, this is factually inaccurate. I have made several attempts by contacting them by phone, speaking to numerous representatives in several departments, including supervisors, but have been unable to resolve this. I have irrefutable proof, confirming a payment was not due on XXXX XXXX, 2015, ( attached ) and copies of my credit report, showing it has been reporting as XXXX late. I have written letters to XXXX, XXXX and XXXX disputing the 30 day late reporting for XXXX, 2015 However, and somewhat incredibly US Bank continues to verify that as accurate. I have an urgent need to update my report accurately as I am in the process of securing a large, XXXX XXXX dollar construction loan and as a result of the ( 30-day ) late account my interest will be increased costing me an additional {$17000.00} thousands dollars over the course of the loan. 
Additionally, US BANK 's website was continually down in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015, not allowing me to make on line payments, and calling always had ureasonable long holds of over 10-15 minutes. Further, if you look at the XX/XX/2015 statement I have attached, it displays a balance of over {$5000.00} and the amount due as the same. This was a direct violation of the contract I had with US Bank.
Consumer complaint received 2015-10-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (FL)

I have having trouble with Ally. They have called and harrassed me multiple times about my payment. Each time they call i explain to them the same situation. My ex and me are divorced and I travel for work. Also, that I am unable to log into my account online to make a payment or set up auto pay and I have requested them to help me multiple times. There solution is to pass me off to a third party payment call where i have to pay a fee for my convenience. They keep charging me late fees which is unacceptable when i have requested help. I have been harassed multiple times by them and each time i have stated the same thing. I do I have XXXX and sometimes i forget to cal, but when I make the same request over and over and it goes unanswered is unacceptable.
Consumer complaint received 2016-08-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (MD)

My sister needed a vehicle for work the auto dealership said her credit was n't strong enough and that she needed a cosigner to help, I agreed. 
The auto dealer first ran my credit through several of there lending institutions causing several hard inquires to my credit report. Now my credit report shows the purchase and or new auto loan as if I am sole obligor, is such the case when cosigner.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (LA)

I tried to get my free credit report online I had to answer questions about stuff that is in my file and only i should know the answer i could n't answer because the questions were about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices
Consumer complaint received 2020-08-18
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$52.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$43000.00}
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC. (GA)

Went to a dealership to buy car finance manager wanted me to go with a messed up deal little did I know he kept running my credit score and basically XXXX my credit score so I wont be able to go anywhere else my score was at XXXX and dropped to XXXX. I am going to assume he had to run it over and over and over again for it to drop so low and I was n't aware of anything until I went to another dealership and they printed out my new credit score through equifax.
Consumer complaint received 2016-04-07
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. (FL)

I received a XXXX gift card as a birthday present. Upon use of this XXXX gift card for {$150.00} the card was declined. I called the number listed on the back of the card and spoke to a representative who proceeded to tell me she was unable to find the card number. I then provided the serial number from the back of the card and she did pull up my card. She then proceeded to tell me she was sending me a replacement card and I would receive it within XXXX14 business days. I requested expedited shipping and this was not offered or provided. I requested I speak to a supervisor and during the extensive hold she placed me on the call was answered and immediately disconnected. I then called back and proceeded to speak to another representative who stated she was " resolving my issue ''. She confirmed the card had been sent and stated it would only be up to 10 business days and requested I be placed on a brief hold while she " resolves my issue ''. After 45 minutes of hold time with brief interludes of " Thank you, I 'm still looking into this '' ; I requested I no longer wait on hold and requested a call back from Incomm corporate. She stated this call back would occur within 48hrs from approx XXXX XXXX. This callback never occurred, I then proceeded to call them today XXXX since no callback had occurred. They then told me I need the receipt or I need the store to print the receipt that they can find in their electronic journal and XXXX of my utility bills within the last 30 days. They provided me with an email address of XXXXXXXXXXXX with a reference number. I then called the sender of the gift card and found the purchase location to be XXXX in XXXX, RI and date. I called this XXXX and spoke with a customer service representative that stated she had numerous transactions from that date and wo n't provide me with a receipt without myself or the sender being there in person even though I have the serial number and and card number. I then again contacted the purchaser/sender of the gift card and he will be returning shortly to ascertain this document. I did want to start a dialogue with you about what seems to be going on here. From my simple research on XXXX gift card and incomm I found quite a few stories all leading to essentially theft of the funds purchased. I am working the get the receipt requested but since it was a gift I did n't receive a receipt with the card. Seems their strategy is to delay and make it extremely difficult to get the funds purchased. Case after case found with a simple XXXX search. I believe their is some larger fraud occurring here. I hope to pursue this complaint through the CFPB to some resolution with incomm.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NE)

Previously disputed XXXX items with all XXXX BUREUS, XXXX bureaus removed the items under the FCRA sec 623 based on the accounts being unverifiable, incomplete or inaccurate. The results are to be shared with all reporting agencies if errors are found and account is deleted. Experian has not followed the laws that are in place to protect the consumer by removing these items. I hwve provided several letters with the results showing the deletin of these accounts. The continue to report inaccurate information that has been disputed and removed by the other XXXX major reporting agencies. They hwve not provided method of verification to substantiate their claim. These are clear violations of the FCRA and my rights as a consumer.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I have several issues with Experian. First, I tried to get my free annual credit report and received a message that they were sorry but they could not provide it. I did get the credit report through XXXX and found that Experian has shown me as " also known as '' someone else.
Consumer complaint received 2016-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AZ)

Navient has not allowed me to access my online account for over a year. I need this access in order to make payments and check documents. As of right now the only way I can make payments is through the phone. Navient charges a fee to make a payment through the phone. It is posssible that Navient purposely restricts access to online accounts in order to make extra money through fees.
Consumer complaint received 2016-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (GU)

On XXXX XXXX, XXXX, I filed an Identity Theft Complaint with the XXXX Attorney General Office, XXXX, and my banking institutions as there was someone who had access to my XXXX credit card account to pay for monthly credit reports from XXXX from XXXX XXXX to XXXX XXXX. 
In addition, I received a letter from Navient on XXXX XXXX informing me of my rights as a borrower. I shared with the AGs Office that I believed someone would use the information from XXXX to apply for a student loan. 
I called Navient and had written to them of my concerns. On XXXX XXXX, I received a billing statement indicating that I owed {$320.00} unpaid principal from an old XXXX XXXX loan of XX/XX/XXXX. Navient is contending that the loan was an outstanding balance from an old student loan of XX/XX/XXXX. I informed the customer service representative that I had paid off that student loan in XXXX. I personally had called XXXX XXXX in XXXX and the customer representative approved the amount of {$20000.00}. The balance in XX/XX/XXXX was {$20000.00}. I then borrowed a personal loan from a local lending institution to consolidate my outstanding loans, one of which was this XXXX XXXX loan. In no way was this Navient loan mine. Navient disagreed. I then asked that if, in fact, it was my loan why was n't I contacted. Navient shared that the only address it had was an old email address. The former mailing address was no longer owned by me. I do not believe Navient was unable to contact me. The old mailing address was a post office box. The post office would have forwarded all my mail to my new address which is situated in the same building for 30 years. I am in fear that someone used my personal information to concoct this loan to pay off someone else loan. Navient has not responded to my concerns.
Consumer complaint received 2023-03-14
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

My father XXXX XXXX and I pay this loan, and are co-signers. Just recently AES filed a report to all my credit agencies saying Im delinquent after NO attempt to collect or communicate with us. Our balance says {$0.00}. We have called them repeatedly in the past because this keeps happening. When they did this last year, it affected my mortgage interest rate when I was buying a house. They have given us absurd excuses in the past. It has been going on for years. I am so fed up and demoralized. I dont understand why they report to agencies when our balance is {$0.00}, or why they cant explain it on the phone, or why they are serial offenders. It is harassment.
Consumer complaint received 2015-11-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (SC)

On XXXX/XXXX/15, I initated an on line bill payment with Ally Bank for {$260.00} to XXXX XXXX , XXXX ( XXXX ) to an address in XXXX, XXXX. On XX/XX/XXXX, I was advised by XXXX that my payment had not been received. Upon further investigation, it was found that my payment was directed to XXXX XXXX , XXXX ( XXXX ) in XXXX, XXXX. These are XXXX different companies. After multiple telephone conversations with Ally, they advised me that they have done all they could and as far as they were concerned the payment was made correctly. I even had a conference call with Ally, XXXX and myself where the employee for XXXX advised the Ally employee that my account had not been credited and they paid the wrong company, XXXX. 

Ally Bank uses a 3rd party to process their on line bill payments. Effective XXXX/XXXX/15, Ally replaced the 3rd party processor that mishandled my payment with a different company. The supervisor insisted that XXXX must have supplied the 3rd party processor with the wrong routing and transit number. Seriously? That 's their story? They also insist that they are unable to retrieve the payment from XXXX. Had this been a debit or credit card, I would have been able to dispute the transaction, provisionsal credit would have been issued and Ally could initiate a recall of the ACH transaction. 

In brief, for an online bill pay I supply Ally Bank with recipient, address, account number and amount? I, the consumer, do not supply the routing and transit number. For their story to be believed, one has to accept the fact that someone at XXXX XXXX XXXX supplied the terminated 3rd party processor with the wrong routing and transit number. I would tend to believe the more likely scenario is someone at the terminated 3rd party provider bill pay service either looked up the wrong company, or input something incorrectly. 

Regardless, I have advised them that my directed payee did not receive payment and they are responsible for it 's completion. I provided correct information. I made no errors. Ally Bank is in clear violation of UCC 4A 301-305 for its ( or its contracted and terminated 3rd party provider ) actions. I have lost {$260.00} due to their errors.
Consumer complaint received 2023-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

As a first-time home buyer in XXXX, Wells Fargo advised me to take a balloon mortgage as a second mortgage instead of PMI. I did not understand what a balloon mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. They also said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages, or they no longer offer them and were unable to help me. I even had one lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I also requested an amortization schedule in which they showed my mortgage as a conventional loan ( see attached ). Then they said that the amortization schedule was an error and they made a mistake. Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : XXXX XXXX Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} Balance today : {$37000.00} The balloon mortgage has now reached its maturity and I am unable to pay the balance and I can not afford to refinance and pay this off. This has been very frustrating and a huge financial burden on my life. Balloon mortgage loans should be forgiven for first-time home buyers and illegal in general. 
1. In XXXX of XXXX, Wells Fargo representative said I could refinance the second mortgage into a single mortgage in a few years and that is what most people do. As a first time home buyer, I did not know better and took their advice. Wells Fargo records all phone calls, I would like to obtain the recordings and transcripts from XXXX and XXXX of XXXX. Please provide. 2. In XXXX of XXXX, the Wells Fargo representative also described the loan as a credit card. At that time, I was in the habit of paying off my credit card balances every month. I understood the loan to be a simple loan. Again, Wells Fargo records all phone calls and I would like to obtain recordings and transcripts from XXXX and XXXX of XXXX.
Consumer complaint received 2022-08-04
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. (CT)

I sent a letter on XX/XX/XXXX to remove these the inaccurate information and accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to deletes any accounts and inaccurate information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$180.00} Medical XXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$1.00} XXXX XXXXXXXX Balance : {$20.00} XXXX XXXXXXXX Balance : {$20.00} XXXX XXXXXXXX Balance : {$16.00} XXXX XXXXXXXX Balance : {$14.00} XXXX XXXXXXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$15.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXXl XXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$10.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$16.00} XXXX XXXXXXXX Balance : {$13.00}
Consumer complaint received 2022-10-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

For the past year and a half every time I've tried to gain access to my Savings Account at Synchrony Bank I have been prompted to undergo the XXXX step verification to verify my identity. The problem has been that the phone number associated with my account is an old phone number I no longer have access to. As a result for the past year and a half I have been going back and fourth with Synchrony Bank customer service to update my phone number and regain access to my account but every time I would call I have been told that I need to wait a couple of weeks for my new cellphone number to appear under my SSN for them to authorize the change. The firsts of these calls took place in XXXX of XXXX and I would call every XXXX months to try yet again. Finally in XXXX of XXXX I was able to call again to update my cellphone number to update the text verification number that was preventing me from accessing my account on all of my devices. When the change was done, I was told that it would take 60 days for my new phone number to be set up with the XXXX step verification ( so I still would not be able to access my account across all of my devices until the XXXX day mark ). This weekend was the XXXX day mark since my final call in XXXX. However when I tried to sign into my account yet again I was prompted with a XXXX step verification associated yet again with my old phone number. It has now been closer to 2 years since I first reported support with this issue and we are still in the same place. At this point I'd like just to close my account as soon as possible and move on from Synchrony Bank. I understand the need for rigorous verification processes to protect the money of consumers, but that should not come in exchange for accessibility. Until XXXX of XXXX I had no way to access my account, and the requirements and wait time needed to undergo any change ( days, weeks, month on end ) is ridiculous.
Consumer complaint received 2016-07-15
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CHECK INTO CASH INC. (CA)

I answered my phone to a rude person stating that i was being sued by check into cash and they were foling a wage garnishment. I explained to the individual ive already paid them in full and i have proof. The person then went on to call me a liar and topd me i was being arrested on XXXX felony charges. I told him i have proof see you in court and hung up. He then called back and began yelling at me calling and said why dont you pay your bills you XXXX