davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

I typically pay this company ( Selene Finance ) through their website -- In XXXX I was having an issue logging in to my account -- I tried everything including an attempt to reset my password -- for whatever reason even the security questions were not coming up correctly -- I instead went to my bank and paid the account through my bank site ( XXXX XXXX XXXX ) the debit came out of my account immediately so I show receipt of the payment being made and clearing my account on XX/XX/XXXX -- here is copy paste of the transaction from my XXXX acct XX/XX/XXXX Online Payment XXXX To selene finance XX/XX/XXXX Bill payment However, SELENE FINANCE did not post my payment until XX/XX/XXXX -- I did not discover this until making my next payment on their site and seeing a " late payment fee '' applied. I immediately called them and spoke to a supervisor who I explained the issue I had on their website the month prior and that I had receipt of payment clearing my account -- she advised that she would make an adjustment -- they have not made it as of this date - I tried to contact them through email again in XXXX and I did not get a response - instead I received a letter in the mail that " draft was applied '' -- I do not know what that means but the bottom line is the {$41.00} is still showing applied on my account. -- if I go to account info it shows " past due '' - not only are all payments made prior to XXXX of the month but XXXX is already paid here is that screen shot : Mortgage XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AC ... XXXX ( Past Due ) Next Payment Amount and Date* {$1300.00} XXXX XX/XX/XXXX Past Due Amount {$1300.00} ( 7 Days Past Due ) * The amount and date are subject to change This bank is HORRIBLE to deal with on every level - their communication is awful given the day and age we live in of electronic effective communication -- I am a mortgage professional for many many years and own and have owned multiple properties and have never dealt with any servicer like this - their lack of customer service and attitude when you try to speak to them on the phone needs attention. We had an insurance claim last year and even dealing with disbursement holds was horrific -- This was the last straw I am very responsible consumer in making payments timely and insulted by this, especially to be told it would be taken care of and not - - I would not want my customers dealt with this way - thought you should be aware Thank you
Consumer complaint received 2018-11-08
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. (CA)

On XX/XX/XXXX I wrote to Equifax asking them to verify an account ( XXXX XXXX XXXX # XXXX ). They never verified the account and in fact responded that the account was not found on my credit report although I have proof that it was and still is reporting. I wrote a second letter in XX/XX/XXXX asking them to verify the account and included my current credit report with the account circled to show that the account is reporting and they responded " Please be specific with your concerns by listing the account names, numbers and the nature of the dispute. Please be advised that a 7 years extended fraud alert is currently reporting on your credit file. '' This is bogus because as you can see in the attached letter to Equifax, I was very specific and listed the name of the alleged creditor ( XXXX XXXX ), account number ( XXXX ), and the nature of my dispute ( PLEASE VERIFY AND PROVIDE METHOD OD VERIFICATION ). I am convinced that they can not verify this account, thus they continue to send me dunning letters. This is a direct violation of the FCRA and my Consumer Rights and I want this account thoroughly investigated with verification and the method ( s ) by which they verified. If they can not do that, it needs to be removed. I have perfect credit with XXXX and XXXX and have never had reporting problems with them. Equifax already has proven themselves to be untrustworthy among consumers and businesses alike with their data breach last year and I am convinced that they are not doing the right thing and it needs to be brought to light.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (PA)

XXXX XXXX XXXX XXXX misreported an account by charging it off after an agreement had been made. The debt was settled prior to XX/XX/2021. It was agreed that if the 1st of 3 instalment payments were made the account would not be charged off. I paid the account off in full on XX/XX/2021. I called the bank rep and reported the account paid in full. She apologized for the banks error and stated she would do whatever to help resolve this issue.
Consumer complaint received 2021-04-21
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. (NY)

I have contacted XXXX XXXX XXXX  XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I want JP Morgan Chase to buy back my mortgage from the third-party predatory lending system. In XXXX after receiving substantial government funding subsidies from the XXXX housing downturn under Obama, Chase Bank breached my trial modification contract. This unexpected and unwarranted breach-of-contract caused me an irreparable housing hardship still adversely experienced today. I have not recovered from the harm Chase Bank caused by bundling my mortgage, probably for pennies on the dollar, and selling to the highest corrupt corporate land-grab bidder. I made every payment on time per the terms of the contract for over 2 years in hopes of gaining permanent modification status for the agreed-upon {$1400.00} monthly payment. Id like to discuss reinstatement of the rescinded trial-modification contract terms. Better yet, right this wrong and write off my mortgage as a gesture of atonement for this inhumane housing-insecurity transgression. 

I spoke with a Chase Bank representative in XX/XX/XXXX to give them an opportunity to resolve the issue. Chase Bank executive team member XXXX XXXX about my grievance and I have been asking Chase Bank representatives to please provide me with data regarding how many modification contracts they breached during the XXXX housing crisis. Chase Bank representatives refuse to provide me with the requested data on breached contracts. Chase Bank representatives say that they conducted an internal investigation based on my claims of discriminatory banking practices, and they say that no discrimination was discovered during the internal investigation. 

This is why I am calling for data to be provided from Chase Bank that shows the number of XXXX homeowners that had their trial modifications breached by Chase Bank. Chase Bank has pledged 30 XXXX in funding to provide to POC communities for new home loans, but they refuse to do anything to make restitution to the homeowners whose modification contracts were breached even though Chase received billions if not trillions in federal bailout funding to help distressed homeowners. 

Why is Chase bank being allowed to get away with breaching modification contracts and why do they not have to provide data that shows XXXX people were not targeted for discrimination. Chase Bank 's actions are criminal and they should be held accountable to the homeowners that they harmed before rolling out programs to help future buyers.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

Ally Financial are reporting wrong information on all my credit reports, in the month of XXXX XXXX they report a late payment of 30 days and then on XX/XX/XXXX they report a 90 days of late payment. HOW CAN THIS BE POSSIBLE??? 
See attachments I DEMAND RIGHT NOW ASAP THAT THIS ACCOUNT TO BE REMOVE FROM MY CREDIT REPORT DUE TO FALSE AND MISLEADING INFORMATION. 

Also Ally Financial sold this account to XXXX XXXX  XXXX with all my personal and confidential information like SSN, NAMES, BIRTHDAY, ADRESS etc etc. 
The FCRA prohibit all of this, check The FCRA sections 604, 609, 611, 613. 

Since the year XXXX I am requesting copys of the receipts that shows for how much Ally Financial sold this account to XXXX XXXX XXXX with all my confidential information. 
Till this day Ally Financial are not cooperating with my person and have not send the requested receipts.
Consumer complaint received 2020-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

I am currently enrolled at XXXX University in a XXXX  program. I have been continuously enrolled as a full or part-time student since XXXX. I do not anticipate graduation until XXXX. 

Navient is currently servicing 2 different loans. When I started at XXXX, they received the clearinghouse  information and placed my loans on in-school deferment. 

My status has not changed since XXXX. 

Inexplicably, Navient has removed my in-school deferment and XXXX status and is actively attempting to collect the debt and induce a default. They are ignoring my written communications and ignoring the XXXX University clearinghouse  data, which I verified with the registrar as reflecting my status as fully-enrolled in this semester and every semester with no breaks since XXXX. 

Navient needs to comply with Federal law, acknowledge the clearinghouse  information, and return my status to in-school deferment. 

Otherwise, we're considering Navient 's actions as a willful breach of the terms and conditions of the loan and a violation of Federal law.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: STERLING BANCORP (NY)

XXXX, XXXX, XXXX Dear XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. makes this complaint on the issue of forged checks that were approved for the payments by Sterling National Bank XXXX Bank XXXX on XX/XX/XXXX. 
It should be noted that our Law Office keeps accounts and issues checks from our accounts in Sterling National Bank for 15 years already! Copies of authorized signatures and samples of our checks are on records in the Bank. Bank is fully informed that our checks are always hand written and only two people are authorized to sign checks. Sample of the signatures as was stated are in the banks system. 
However four checks that look absolutely different on its face from those checks that XXXX XXXX XXXX makes payable to its clients were withdrawn from the account # XXXX with the approval of Sterling National Bank on XX/XX/XXXX without any attempts to verify said checks with our office. Specifically, check # XXXX in the amount of {$4600.00} ; check XXXX in the amount of {$4800.00} ; check # XXXX in the amount of XXXX ; check # XXXX in the amount of {$4800.00} were approved by the Bank for payment on XX/XX/XXXX. Total amount of {$19000.00} have been withdrawn from our bank account # XXXX. ( Checks are attached hereto ). It takes one glimpse to realize that these checks are crude forgery as they look completely different from those that our Law Office gives to the clients. 
On XX/XX/XXXX upon receipt of the Bank statements we reported the fraudulent transactions right away to XXXX XXXX, regional manager. On XX/XX/XXXX an Affidavit of Unauthorized Transactions along with the Questionnaire were filled in and submitted to XXXX XXXX, Bank Manager of the branch located at XXXX XXXX XXXX, XXXX, NY XXXX. ( Copy of the XXXX and XXXX is attached hereto XXXX. 
Since XX/XX/XXXX this Office did not hear from the Bank. I spoke with XXXX XXXX, regional branch manager ; XXXX XXXX, local branch XXXX on multiple occasions all to no avail. XXXX XXXX tried to get in touch with the Bank fraud department but nobody could provide him with any viable information or response. Up today Bank did not present to us investigation report following our complaint. Needless to say our office was not credited with {$19000.00}. 
It goes without saying that it was Banks overlook to allow cashing of the checks that are fraudulent on its face. For 15 years that we are doing business with the Bank, it should have known how our checks look like, who and how signs the checks. It is so obvious that if the Bank was diligent and prudent it should have prevented fraudulent checks from cashing. It is my deep belief that XXXX XXXX neglected XXXX XXXX XXXX XXXX XXXX XXXX as a Client by not reimbursing us with the money that was fraudulently withdrawn from our account. 

Sincerely yours, XXXX XXXX, XXXX.
Consumer complaint received 2022-08-22
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: CITIBANK, N.A. (TX)

My spouse called for her Home Depot Store credit card for adding me as authorized user. She asked them to increase her credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my credit profile or SSN? Called Home depot today morning. When wanted to talk to the supervisor, the call was deliberately dropped. 
Called XXXX, talked to XXXX and he is stating that they can not trace this credit alert notification at all.
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I paid a payment of {$640.00} towards an extension agreement for the month of XXXX and XXXX. The original representative that processed the extension in XXXX ( before 30 days late ) did not send out paperwork and did not state that paperwork would be sent, she also stated that because the extension was done before being 30 days late it would take effect and that I was able to pay {$640.00} XX/XX/XXXX without penalty to credit reporting. I called in around XX/XX/XXXX again after receiving late notices, I spoke with a supervisor. The supervisor informed me that paperwork would need to be mailed out because I did not receive it nor did the previous representative state that. Supervisor stated extension would backdate to the month of XXXX and XXXX, the extension he created would be a {$0.00} fee because I already paid the fee and I would not have a payment due until XXXX. I still received late notices after conversation with supervisor and returning the paperwork in a timely manner, this went on until XXXX. I called back in at the beginning of XXXX during my grace period because my account was stating I owed almost {$3000.00}. I was trying to figure out what the actual amount of XXXX payment would be, I sat on the phone for XXXX hours and was told that the XXXX extension granted that was later redone by the supervisor was not even Processed at that current time and this was about XX/XX/XXXX. I paid {$790.00} towards XXXX because I incurred late charges because my extension was still not processed even though they did have the paperwork and payment, this payment for XXXX was also paid before 30 days late. I also pulled my credit report and found that ally reported to my credit, being late for XXXX, XXXX, and XXXX. I called back in about XX/XX/XXXX about credit reports, I was then informed that the supervisor made the extension for only XXXX and applied {$640.00} towards XXXX. Then still incurring late charges even though I technically had nothing due, I called back in and sat on the phone for XXXX hours. I was then told that the {$640.00} was applied to XXXX and that the supervisor went back in on XX/XX/XXXX and proceed an extension for XXXX. Therefore making XXXX and XXXX payments late because the extension wasnt processed or even done properly. They also reported my payment as late for XXXX whenever it is not, Ive called multiple times and get nowhere, Ive disputed the items with all XXXX credit reporting agencies and it still continues to be reported wrong after the investigation is completed. Ally told me they would fix this issue originally and to dispute it for faster results however every single time I call I get a different answer and get absolutely nowhere, this is ridiculous at this point. Ally will also not send me a copy of the extensions the supervisor created nor will they send me account information stating where the {$640.00} payment even went.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XX/XX/XXXX, my husband and I borrowed money to pay off several credit cards. The company we borrowed from ( XXXX XXXX  ) paid several of the bills themselves, and then sent me cash to pay others. Afterwards, I checked to see what cards were paid. I did not see the amount that I owed Capital One credit card, so I paid it myself with my debit card. Soon after, I realized that it was already paid, so I requested my bank to put a stop payment order on the second pmt. 
Capital one received $ $ from XXXX on XX/XX/XXXX and from my debit card on XX/XX/XXXX. I checked my account often, so I could close it. It was XX/XX/XXXX, when I finally saw that it was done. 
When I checked the acct on XX/XX/XXXX, I saw that a XXXX donation I made cleared the acct in XXXX. ( I had changed the bank info on the XXXX charge page, but it hadn't changed. ) The company charged me interest on my card for XXXX, so I paid both those charges, and asked them to close my account. But they had also charged me a XXXX interest fees, even though I had a negative balance on my account for that entire month. I complained to finance people on the phone. They refused to take it off. Now it is XXXX and they added a late fee and interest on it. I wrote and mailed a letter to complain on XX/XX/XXXX. I have heard nothing back, only the added late charge and interest. They closed my account, and said I could NEVER open an account with them again. 
Can you help me? Is this wrong for them to keep charging me, when I didn't owe them? They called is " residual '' interest when I complained and asked for those XXXX charges to be taken off. I have worked in accounting for years, and just don't think it's right!
Consumer complaint received 2020-01-23
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. (AL)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Inquires : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : -- XXXX & XXXX AND XX/XX/2019 FOR 30 DAYS LATE??? -- I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 day late as of XX/XX/2021 and 60 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.