davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I attended the XXXX XXXX of XXXX from XX/XX/XXXX through XX/XX/XXXX. Since graduating its been a struggle to save money and pay any bills not to mention supporting a family. My private loans were originally Sallie Mae, but now Navient. I have exhausted every option and after paying {$40000.00} towards my loans I literally owe more than when I graduated. Its become a vicious cycle and my degree doesnt warrant the kind of salary one needs to pay this back. I will be filing a complaint and legal action towards XXXX XXXX for deceiving and upfront lying about their accreditation, job placements and financial options. Thats another story. With the recent Sweet vs Cardona case that won in favor of the student, I believe there is liability between these schools and lenders such as Sallie Mae and Navient. Navient should be more understanding and be willing to work with what the student can afford based off of income. I have applied for other jobs while working a job that can support this kind of payment and it would be a salary over XXXX XXXXXXXX, its certainly up there. 

Until I file a case against the XXXX XXXX XXXX XXXX XXXX I believe a fair payment would be income based, same as in the federal loans sector. I really believe that the Sweet vs Cardona case should be an example of what should be followed, a standard that the private loan industry should be held to. I do believe there is a true case to be made regarding the XXXX XXXX deceiving tactics and any enabler, such as Sallie Mae/Navient that aids in this scam. I feel there is little to know protection against these for-profit schools and people like me, who never defaulted and paid XXXX XXXX towards my loans, cant save a XXXX. Its not that I dont want to pay, but at this point its beyond my control. I need help. 

Thank you
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

wells fargo dealer services is damaging my credit by reporting a XXXX charge-off on an auto loan ( wells fargo dealer services, partial account no.XXXX .... ) the original charge-off amount was for XXXX dollars which Wells says was for a bounced check on the final payment of the auto in XXXX. 
However due to admitted error on the part of wells fargo, wells owed me XXXX dollars since XXXX for insurance charged that I didn't need.Wells discovered their error, and '' promptly '' sent me a check for XXXX dollars in XXXX. 
so at the time of charge-off in XXXX for a XXXX dollar amount.. 
wells has " discovered '' they have owed me XXXX dollars since XXXX..wells sent a check for XXXX dollars for the " stolen '' funds for a fraudulent insurance scam ( cfpb court case resulting in XXXX XXXX dollar fine ) .YET WELLS FARGO WANTS TO HOLD ME AND MY CREDIT ACCOUNTABLE FOR A BOUNCED CHECK ... CLAWED BACK 47 DAYS AFTER THE CHECK PAID ... .EVEN THOUGH AT THE MOMENT OF CHECK BOUNCE WELLS HAS ADMITTED THEIR ERRONEOUSLY STOLE XXXX DOLLARS AND HAD BEEN HOLDING THOSE FUNDS SINCE XXXX. 
THE ATTACHMENTS HOLD THE INFO.WHICH CAN BE JUDICIALLY NOTICED EVIDENCE IN MY CASE LATER ON.
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ROAD Auto Finance, LLC (NC)

i had an auto loan with road Auto Finance ( XXXX XXXX XXXX # XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I was in An accident ant the car was a total loss. i had Gap insurance. My auto insurance company paid for the value of the car and there was XXXX left which the gap is suppose to cover. i was hit with a late payment on my credit report 2 months after the accident. i called and was told that Gap claim was filed and they where waiting payment. I made the payment myself because i wa told i would get reimbursed. thw weeks paased, i called the Gap insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX i spoke to gap department XXXX XXXX and he informed me that my Gap was Canclled by road auto finance on XX/XX/XXXX and that no claim was ever submitted. and he also informed me that they couldnt do that so my question was why did you allow this to happen, i paid XXXX for the Gap insurance when i purshed the car. i would like to be reimbursed and posibly file a criminal comlaint as well
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (FL)

I had a credit card with XXXX ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
More I never gave my written authorization to XXXX to report this account on my credit report. However, the account has been reported which is a violation of my right. In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (FL)

We had our mortgage automatically payment withdrawal through XXXX  XXXX for over three years, XXXX XXXX  had our email, phone number and property address. We received a letter from another bank in XX/XX/2020 that our mortgage hasnt been paid for 4 months, we called immediately and paid all the missed payments and late fees even though we never received a single email nor a phone call nor a letter till the account was passed due for four months and we had no idea that XXXX  XXXX  sold our account to Arvest central mortgage company. Now Arvest central mortgage company investigated the issue and sent us a letter saying that they will repair all the negative credit reporting they caused, however, they added more fees to the account related to the missed four payments that they never sent us a bill for. We asked over and over to have the fees removed and the declined to remove them, we would like to get a refund of all the late fees paid and we hope to have the account transfer to another bank in the near future. Thank you
Consumer complaint received 2019-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (KY)

I went to make my payment last night ( XX/XX/19 ) to Paypal Credit. The balance was wrong. I had a charge this month for {$690.00} with 6 months same as cash. The only charge on the account ( XXXX ) was the {$690.00} but when I logged in to my account it said the balance was {$720.00}. Wrong Balance. I made my payment which was on time but at the time of payment their help line was closed. So, I called this morning and asked why I had the wrong balance. I was told it was a late fee ( {$28.00} ) that will be removed when my payment is credited. 
I WAS NOT LATE! Paypal credit added the charge before the payment was late. This makes this fee a fraudulent charge. No one can legally apply a late charge for an account that is not late. 
I believe the charge will be removed but I also believe this is Paypal creating a fraudulent charge that should be reported.

Paypal Credit is out to create an out of time charge. This fraudulent charge might only take each consumer for pennies but for a company the size of Paypal could quickly add up to big money. 
Please look into Paypal Credit and stop these fraudulent fees.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

Equifax has repeatedly denied me access to their personal credit monitoring services by refusing to allow me to create a myEquifax account. The attached is a sequence of events in which I was repeatedly transferred, asked to submit additional identity verification, and given incorrect phone and fax numbers.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

For many years I had a XXXX XXXX XXXX card, every single bill paid on time, never one late fee. Barclays Banks closed out my account no reason given back XX/XX/XXXX but the reason is my husband who was the XXXX XXXX XXXX  in New York State was XXXX, XXXX, won his appeal, XXXX again and waiting for appeal. Of course Barclays will not give me a reason because they are breaking federal law ( ECOA ). I continually receive emails and letters from Barclays asking me to apply for a XXXX XXXX Master Card which I do. XXXX XXXX gave me a credit card in XX/XX/XXXX. 

I would like to sue and also have you act on my behalf to Barclays Bank. I had used XXXX XXXX card because I frequently fly on XXXX XXXX and I accumulated many points which are now running out. I am not allowed to accumulate points now which is another blatant discrimination. I will await your reply. XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX NY XXXX. XXXX cell phone
Consumer complaint received 2022-12-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

In XXXX I applied & was approved a private XXXX XXXX loan for {$15000.00} @ 18 % interest. In XXXX I graduated, took the XXXX & passed. In XXXX, my husband & I had to file a no-asset XXXX XXXX  bankruptcy. Our discharge was granted in XX/XX/XXXX. Navient has attempted to collect this debt since. My husband & I have had to pay them approx $ XXXX {$12000.00} since the discharge to keep them from ruining my credit. 

I have attempted to work this out with Navient several times since discharge. I keep getting different answers as to why they can continue to attempt to collect the debt. Most recently, even though they acknowledge the loan is a private loan ( it is listed on their website that way ), they say that funds were paid to my law school. While I dispute the accuracy of that assertion, even if Navient paid the funds to the law school, I did not pay for XXXX XXXX courses for my law school- it is not the recipient of the funds that affects dischargeability, but the use of the funds. The law is very clear that private bar study loans are dischargeable in bankruptcy. 

Every time I attempt to address the issue with Navient, they place my account in forbearance which just increases the amount owed due to the 18 % interest rate. The loan is now nearly {$30000.00}. Navient did reduce the loan balance down to {$0.00} this year during an " investigation '' they did but put the balances right back again. 

The law is clear - & Navient has been sued for this exact same thing - Navient has no legal right to attempt to further collect this debt. 

I need help. This is hurting my credit & causing my family stress & hardship. 

I am providing all documentation, including relevant case law. 

Please do not hesitate to contact me with any questions.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OH)

On XX/XX/2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. 
I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. 

I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. I filed a dispute with my bank, ( KeyBank ), and they issued a preliminary credit, but ultimately reversed that. 

I spent {$54.00} and {$9.00} through XXXX on this transaction. I disputed both charges with my bank. I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. 

No one is willing to fix this situation. I just want my money back, because I didn't get what I ordered.
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

On XX/XX/2017 I called XXXX XXXX to pay a transfer balance of {$520.00} pay to XXXX XXXX  credit card number XXXX apparently XXXX XXXX stated that the amount has been paid and the transaction has been completed, but later I got a called from XXXX XXXX saying that i was late on my payment, so I contacted immediately to XXXX XXXX and asking what happened with the transaction, after I spoke with several managers I have been told that the money was paid to XXXX XXXX XXXX instead XXXX XXXX, I also found out that XXXX XXXX is owned by XXXX and not by XXXX XXXX XXXX . Mistake was done by XXXX XXXX, XXXX XXXX reported to the credit bureau and it looks horrible in my credit score that iam in collection for not paying the money, I could not refinance my house due to a bad credit and it was denied by refinancing bank. Please see attached files evidence that XXXX XXXX did not pay on my request to XXXX ' XXXX instead cause tremendous stress a damaged my credit and I have to pay late fees to XXXX 's NOTE : I have paid my balance with late fees to XXXX  which is XXXX dollars, my desputing is with XXXX XXXX wrong claim of {$730.00}
Consumer complaint received 2022-08-10
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer : XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX FL XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Employer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

We initiated a wire transfer from XXXX at Goldman Sachs online savings account. They wired the money to an entirely different bank with a different routing number, despite admitting, we gave them all the correct information. However, it took XXXX days for them to find the money and recall the funds. In the meantime, we had been hung up on by many customer service agents and nobody would tell us where our {$330000.00} went. We needed that money to close on a new home we purchased and as a result of being late on closing we ended up owing the sellers {$600.00} in rent back fees. Goldman Sachs refuses to give us more than {$100.00} in XXXX credit. And they wont tell us how this banking error happened in the first place. It was incredibly stressful for myself and my husband, as well as the sellers of the home we purchased and all of our real estate agents in title company personal.
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (FL)

Hi my name is XXXX XXXX In reference to Wells Fargo loan # XXXX I have been overcharged an additional {$35.00} fee as interest on this loan now the maturity date is the XX/XX/XXXX of every month the statement is received 12 to 13 days later from the postal service please review this loan my contact info is XXXX thank you
Consumer complaint received 2020-12-30
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. (AR)

On XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the equifax data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to my request.
Consumer complaint received 2019-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

So, I'm trying to go debt-free and I've been making " overpayments '' toward the principle of my loans here and there over the last couple of years. Or, I thought I was anyway. I got frustrated because it seemed like my loan principle wasn't getting any smaller and I was right, it wasn't! I went looking for why and it turns out Navient applied all of my extra payments to the interest instead of my principle! They're sneaky about it too, when you make extra payments via the online dashboard, they call it an " overpayment '' but they don't let you specify where you want the money to go. I figured since it was an overpayment, it would go onto my principle ( since they don't have the option to specify ). NOPE! Not only were they stealing my overpayments, but they also have not been reporting my payments to the credit bureaus. 

I tried to find my monthly statements ( which they all but hide from you ) because I coud n't see a breakdown of my accrued charges on my dashboard. When I finally found my monthly statements, they're hard to interpret. Utterly ridiculous.
Consumer complaint received 2022-10-10
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: DISCOVER BANK (CA)

My card was used by someone who was not me for multiple fraudulent charges by a company called XXXX or XXXX XXXX. I contacted DISCOVER card to point out the multiple fraudulent charges made over & over in different small amounts by a company I have never heard of. My card had been stolen from my car & I was unaware but DISCOVER card wouldnt resolve my claim even after I provided them a written out summary of charges I made VS. the summary of charges that I did not make that all show the name XXXX & a transaction type of merchandise. On XXXX there are multiple claims you can easily find showing that this company XXXX has fraudulently charged multiple other people in the thousands. I require assistance in resolving this issue since DISCOVER card is unwilling to further review this claim fairly & is punishing me for charges that I did not myself make or authorize in any way.
Consumer complaint received 2020-12-30
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. (CA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: JPMORGAN CHASE & CO. (CA)

I am trying to send a wire from Chase bank to a bank in XXXX. I need to send {$14000.00} that converts to {$20000.00} I did the currency exchange with the bank representative and when we tried sending the correct amount in XXXX, we needed a total of {$15000.00} NOT {$14000.00}! Chase is making over {$400.00} on their conversion XXXX bank fee 's. I have called everyone and no one will help. This is CRAZY, Fraudulent and complete XXXX. I am eager to look for more individuals and start a class action suit.