davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX, I attempted to sign up on Navient 's website for recurring monthly payments from my savings bank account. The process seemed to go smoothly, and I received a message on the website saying that it had been successfully enrolled. and that I could expect my monthly payments to come from that bank account moving forward. 

On XX/XX/XXXX, I received an email from Navient that my auto-pay enrollment had been cancelled. The message noted that " the bank account information provided was incorrect or invalid. '' Later that day, I called Navient 's customer service to resolve the matter. The customer service representative reported that the scheduled auto-payment had indeed been completed, even though I told them that it hadn't shown up on my online bank statement yet. 

On XX/XX/XXXX, I received an email noting that my payment had not been processed. When I logged onto my Navient account, I saw that my bank account had been deleted, so I entered it again -- again, registering for auto-enroll for my bank account. 

On XX/XX/XXXX, I received a past due notice by email about the payment. When I called customer service on XX/XX/XXXX, they told me my bank account had been " blocked. '' They said that it was an invalid bank number, even though it was all correct. They said that the only way to " unblock '' it would be to request that my bank fax Navient to verify that the account is " valid. '' At this point, Navient is charging me a late fee, and I still can not register to make automatic payments from my bank account.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I went into XXXX car dealership in XXXX  Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX and XXXX dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX  that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!
Consumer complaint received 2018-08-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

While in the process of trying to refinance my home, I found out on XX/XX/XXXX, that I have a lean in the amount of {$21000.00} from FHA/HUD. I made a few phone calls and found that this happened while modifying my loan with Ocwen Loan Servicing in XXXX. A modification that I feel I was forced into ( later ). I reviewed the documents of the modification and nowhere does it state that a lean will be placed on my title, nor anything in the amount of {$21000.00} of being owed at all. It shows the old and new principals, and the monthly payments and rates. I was forced into modification because while awaiting a XXXX hearing I became late on my payments around XX/XX/XXXX. When I reached 3 mos. past due, they refuse all payments, even those above a full monthly payment, and threatened me with foreclosure. They even refused to send me monthly statement for the months of XXXX andXX/XX/XXXX because I was behind.
Consumer complaint received 2018-12-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION (GA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX   XXXX  with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Consumer complaint received 2018-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (OH)

This is not the first time we have had issues with payments with Synchrony Bank. There are two medical loans one from my XXXX and one from our XXXX. Payments were due by the XXXX  of each month. On XX/XX/XXXX I made an on-time combined payment of {$210.00} ( XXXX + XXXX ) and no finance charge. On XX/XX/XXXX I made an on-time combined payment of {$210.00} ( XXXX + XXXX  ). These payments show on the Synchrony Bank website however I was charged a {$27.00} finance charge showing a late payment on the XXXX. But my payments were on time. Once again a problem with Synchrony Bank payments. This {$27.00} finance charge must be refunded and an investigation conducted why payments to Synchrony Bank are not recorded correctly.
Consumer complaint received 2021-05-28
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: Possible Financial Inc (TX)

This is a formal complaint against XXXX XXXX XXXX XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX  XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2018-12-07
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I received an e-mail from XXXX and a text message from the number XXXX saying that they received my application for the internship with XXXX XXXX XXXX, which I applied to on XXXX, which is owned by XXXX, and they sent me a link to one of their workers, XXXX XXXX on the app " Wire ''. I was suppose to make an account and message her then I'm an applicant for the internship. I added her by looking up the email they sent me, " XXXX ''. Then once she added me we began talking about the internship and the interview that is about to happen. She then sent me a list of questions regarding statistics, data and programming that seemed very specific, which added to the legitimacy. I answered all of them and moments later she told me I was accepted to the internship with XXXX XXXX XXXX. She then sent me a message that the contract will be emailed to me and that I am to send it back signed, the document they sent is attached below. After sending it back they started talking about training materials and how they're going to send the money to me and that I am to send it to a vendor that will purchase it. At this point I'm suspicious because it was all online and I didn't even talk to them through the phone yet, but I'm assured the internship is fine due to XXXX being a big and respectable company and the internship being found on it so they have to had checked and reviewed to see if the internship is legit. So they sent me a check for {$1800.00}, which is also attached below, and I mobile deposited it into my XXXX  XXXX XXXX account. Once I did it and it got returned, XXXX told me that the account they put the money in for that check was used to pay off other members. Then they asked me to use my Chase bank, once I got the new check for {$3800.00}, they told me to mobile deposited into my bank account, which I did. They then told me to wire transfer {$3400.00} to the vendor, which I did. Then later in the day, this was on XX/XX/2018. I got a message from Chase saying the check was fraudulent, the wire transfer was cancelled and that my account with Chase is in review. I messaged XXXX about it and she asked for my account number, I said that it isn't available due to my account being suspended. Two days later on XX/XX/XXXX, I called Chase and they told me to come to the branch, I was then told that my account would be closed and that I would be marked on my credit report for fraud in the next few weeks.
Consumer complaint received 2021-01-11
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. (MA)

BOTH EQUIFAX AND XXXX  DROPPED MY FICO  SCORE SIGNIFICANTLY WITH NO SUBSTANTIATED REASON. NOTHING ON MY REPORTS HAS CHANGED IN THE LAST MONTH OTHER THAN ME PAYING OFF MY XXXX  XXXX XXXX TO XX/XX/XXXX Balance. 

I HAVE 100 % payment history, No derrogatory remarks and my credit card utilization is 0 %. ARE THEY ABLE TO TELL ME WHAT DRASTIC CHANGE HAPPENED< THAT THEY ARE NOT REPORTING IN ORDER TO DROP MY FICO  SCORE SO SIGNIFICANTLY? 

TO ME, its a form of bullying and harassment. THEY JUST ADJUSTED IT in XXXX AFTER MY COMPLAINT HERE. WHY DO THEY KEEP DOING THIS KNOWING IM GOING TO COMPLAIN HERE?
Consumer complaint received 2018-06-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Home Loan Center, Inc. (NY)

XXXX XXXX was the third party that arranged from disclosure to closing.Actually this is happened from the month of XX/XX/2016.From Lender the loan account and the Escrow account.when I tell XXXX to forward all documents to me, they dont send the documents.Its so much mean to ignoring me that matter! More than two years of hiding no response to my letter.Im so tired of that happened, this is not the first time I made that complained in the same company!
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC (NC)

This correspondence is in regards to the collection listed currently on my credit file. First I would like to say that this collection does not belong to me/it is due to fraud. I reached out on XX/XX/XXXX and left a message for an account rep ( XXXX XXXX ) to give me a call back. I never received a call back. 

I reached out on XX/XX/XXXX and spoke with XXXX at ext. XXXX ; who was very abrupt.. I tried to explain to him that this account did not belong to me. He asked me questions to confirm my identity. He couldn't locate me BUT afterwards he asked me for the account number. I looked at the document that was sent to me a couple weeks ago. After I went through then entire statement ; he states that he could not speak to me because this account was listed in bankruptcy. I tried to explain to him the situation about the identity theft ; etc. ; BUT he would not speak with me. He stated that he needed to speak with my bankruptcy attorney or I needed to get something back in writing from my attorney giving him permission to speak with me. 

I called back again shortly afterwards and spoke with another representative stating the same thing. I asked her this question. If this is included in the bankruptcy, why is it reporting separately on my report? She stated that I needed to send a letter stating that they could speak with me about it. 

I am still maintaining that this bill is in regards to identity theft ; BUT the fact still remains that it should not be showing on my report as a separate entity. It should be removed ; as I am being penalized twice. 

I asked if I could show a police report stating showing that there was identity theft on my name ; she told me no. 

I have included the negative report on my credit report ; as well documentation from the Bankruptcy. You will see on page 15, column 2, and line 1 ; Monterey Financial Services is listed as a creditor. Also on page 14 XXXX  ( original creditor ) is listed on this Bankruptcy report. This identity theft was done prior to my knowledge of it even happening. 

I would also like to point out that XXXX XXXX senior manager responded back out to me on XX/XX/XXXX ; which was in violation of the law because of my bankruptcy. 

What I have attached is : a. written statement ( which shows my credit reporting ) b. Company 's response c. Bankruptcy filings that list Monterey and XXXX listed. This bankruptcy was filed prior to my knowledge of identity theft. 
d. Police report
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation (PA)

On Tuesday XX/XX/XXXX I contacted the law office of Patenaude and Felix APC, and spoke with a representative. I found this was regarding my former business with a target account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called Patenaude and Felix APC. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. Patenaude and Felix APC charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called Patenaude and Felix APC maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Around XX/XX/XXXX, I had lost my wallet and cellphone at the same time. My phone did not have a passcode lock on it, therefore information on my phone was easily accessible. I had sensitive information pertaining to my identity, email access, and even phone access. Who ever did the charges below had my phone too, because they were able to confirm a 6-digit passcode sent by chase to me VIA email/text. 

Since Chase is assuming it me who confirmed my identity, they are denying my claim. 

These are the fraudulent transactions below in which Chase is denying my claim. 
The specialist assisted payments are not made by me. I asked chase to see if they can pull up the call log records on that day to check the voice of whom was speaking. 

XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX - XXXX  XXXX XXXX   XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX XX/XX/XXXX & Payment Thank You Specialist Assisted -XXXX XX/XX/XXXX & Payment Thank You Specialist Assisted -XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX   XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA -XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX LA XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX I filed a police report regarding this matter. 
All of these transactions are reflected on my account and credit report. I am not liable for ANY fraudulent transactions, and Chase states in their policy that there is a zero-liability for fraudulent transaction. This is significantly affecting my credit score due to a high utilization. 

I had them escalate the claim to another agent so another set of eyes can go over my claim. 

I am very frustrated from this situation and can not believe how Chase is treating my case.
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (RI)

The hospital never submitted an invoice to my insurance company, and they eventually sent it to a dept collector, i reached out to the dept collection agency and disputed this bill, since my insurance would pay any bill 100 % complete. 

I spoke to my insurance company and they have reached out to the hospital 's billing dept to back pay this bill, and i've requested for the dept collector to remove it and they refused to until, they receive a written agreement from XXXX XXXX. 

They have severally damaged my credit behind this matter. I just recently realized this XX/XX/XXXX bill was not token care of, but only because of my credit report. 

I've disputed this matter numerous of times within XX/XX/XXXX year via XXXX, XXXX, XXXX, etc
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advance America, Cash Advance Centers, Inc. (FL)

In XX/XX/XXXX I obtained a payday loan through Advance America. In XX/XX/XXXX, a collection agency contacted me for payment, which I payed. Through the past eight years, my area has suffered through numerous floods and hurricanes. All of my paperwork has been destroyed. Also through the years, many collection agencies have contacted me for payment. I have recently found out through the manager of my local Advance America, that their system was breached by hackers. My personal information was used and is continuing to be used and various people have contacted me pretending to represent Advance America. XXXX  was found liable for their computer breaches. so should ADVANCE AMERICA.
Consumer complaint received 2018-12-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

On XX/XX/XXXX, we send a letter to OneMain Financial Group in regards to a letter they sent us dated XX/XX/XXXX that our mortgage in the amount of {$4200.00} was transferred to them on XX/XX/XXXX. We attempted to call them seeking what is this. We were asked to provide personal information. We were leery of this so we generated and mailed out a letter seeking documentation of this mortgage debt. Nothing was provided. We received another letter from them stating the same amount but a different transfer date. It went from XX/XX/XXXX to XX/XX/XXXX. This must be a scam since we do not have a mortgage in the amount of {$4200.00} that was originated on XX/XX/XXXX. The co-borrower, XXXX XXXX, is my husband and we married on XX/XX/XXXX. Any debt occurred after this date would have been in my married name as XXXX XXXX XXXX versus XXXX XXXX. Also, for all financial transactions, we both utilize of middle initial. OneMain Financial has not provided us with any documentation or who the previous lender/servicer was.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (OH)

I made a payment of {$5400.00} to XXXX XXXX on XX/XX/2020 and they are saying that they never received the payment. The employee ID number of the customer service representative alleging this is XXXX. His name is XXXX  XXXX. His location is XXXX, XXXX.