davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (IN)

First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help
Consumer complaint received 2018-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (NC)

My automatic debits for Wells Fargo are set for the XXXX of every month which typically take a couple days to show up on my bank account as expected. 

OnXX/XX/XXXX ( Wednesday ) two debits of the monthly payment were taken out. This caused an overdraft of my bank account of {$36.00}. 

My bank can't refund the overdraft fee until Wells Fargo submits the refund. I had called Wells Fargo onXX/XX/XXXX ( Thursday ) to get that amount refunded. After going back and forth ( stating that I needed the refund to clear the overdraft fee versus not having it a charge for next month ) with the customer service representative that I needed the amount refunded they agreed to do so. 

It was also explained that this was a glitch in their system and that it would be taken care of. I was then asked if I would like to be added to the new system. I stated " Please keep me on the normal payment schedule and refund the extra charge ''. Again there was a lot of back and forth on if I would like to be put on the new system so that my payments would be auto-drafted as they were before. 

I kept saying " Please keep me on the normal payment schedule and refund the extra charge ''. Finally I thought I had gotten through to the representative until I received the attached letter. From my understanding, this letter states that it's OK for Wells Fargo to charge me up to three times the monthly amount before they notify me.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MS)

Payment made on XX/XX/XXXX on Chase credit card account in the amount of {$24000.00} was returned in XX/XX/XXXX Payment made on XX/XX/XXXX on Chase credit card account ending in XXXX in the amount of {$25000.00} was returned in XX/XX/XXXX. I am unclear how this is even possible when I have emails from the company I worked for authorizing the payments and they were clear for six months. The authorizing company essentially is stealing {$50000.00} from me and Chase Bank is helping them do it. 

I have emails and all documentation for everything. I am unclear why I keep getting the run around from the bank.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

I was asked if the appraiser could come on the property and in the house, I said yes. 
My wife advised me that someone came by in a car at thirty five to forty miles per hour taking pictures of the house. I called XXXX or XXXX XXXX, she is in charge of the loan procedure, to inquire about the above incident and she responded that the appraiser does this to enable them to get a county court house record of my house!? I asked her if using my address wouldn't have been easier, she said by federal law this is required!! I recently changed my mortgage company to Sun Trust Mortgage, which she works for, and another appraisal was done by a different appraisers, XXXX XXXX XXXX, XXXX, performed by a XXXX XXXX XXXX, it was appraised at XXXX dollars at that time. Since that appraisal I have completed 30,000+ dollars improvements on my house. The new appraisal was given to me by email at XXXX dollars!! My house, according to Sun Trust Bank, has depreciated by XXXX dollars!! I have directed many questions to XXXX or XXXX XXXX about this appraisal and the depreciation of my property, she said that spending XXXX XXXX dollars for improvements doesn't mean that all goes to the appreciation of a home, only a percentage. I asked what the percentage would be, she couldn't come up with an answer. If you require proof of the improvements to my house I can send them to you. Long story short, She is exceedingly vague with her answers, I am in the process of getting all laws concerning the housing equity line of credit which pertain to North Carolina. Since she, many times, referred to Federal Laws, I am asking you to help me in this matter.
Consumer complaint received 2018-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

In XX/XX/XXXX I applied for a home modification on my existing house through Ocwen. We were approved for the loan modification and the terms were as follows. For three months we had to make a payment of XXXX, and then the modification would be complete. I sent all the paper work including check stubs for my husband and my self. On XX/XX/XXXX the first payment of XXXX was paid. On XX/XX/XXXX the second payment was paid. On XX/XX/XXXX the third payment was paid. In XX/XX/XXXX the loan modification was denied in the form of the letter. We received no correspondence or phone call to let us know. I called Ocwen and asked why we were denied. They said that we had put a wrong date on the agreement form. I explained that we sent in the correct form sighed and sent them an email of the date it was sent. They said that the date on the paper not the email was wrong. They refunded the XXXX payment and did not inform me that the XXXX was sent back until after I had called in XXXX. I appealed the denial decision in XXXX with the escalation department so that I could pay my payments and keep my house. Ocwen denied the appeal. In XX/XX/XXXX I applied for the lone modification again, sent in all the paper work with correct dates and signatures. Ocwen waited until the beginning of XX/XX/XXXX and when I checked the website, ocwen needed more information about our pay. I was in the process of getting the information needed and then I was told that it had been denied by Ocwen. Ocwen told me that I had to reapply so on XX/XX/XXXX I reapplied. Ocwen said it would take around 5 to 7  days to review my modification application. I called Ocwen on the XXXX, XXXX, and Ocwen said it was still in processing. I called back on XX/XX/XXXX to ask about the modification progress only to be told by Ocwen that the foreclosure had been completed on XX/XX/XXXX. I called again on the XXXX and XXXX to see if I could save my house and got the same answer from Ocwen that the foreclosure was completed on XX/XX/XXXX. I was transferred to XXXX. which is Ocwen 's realtor and they could not tell me anything, they told me I needed to email XXXX to find out about my house. I emailed XXXX and asked if they could help me save my house but XXXX informed me that they no longer had my house. They said it had been sold to the XXXX XXXX XXXX XXXX. I tried calling them to find out who had my house and no one seems to know. I called the HUD housing and they can not see who has my mortgage. Today is XXXX and I still do not know who has the mortgage. Myself and my XXXX children are still living in the house and have no other place to go. I wanted to get in touch with whoever had my house to see if I could make arrangements to get it back. Please help me! Thank you.
Consumer complaint received 2018-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I HAVE A FRAUD INQUIRY PLACE ON MY CREDIT REPORT TODAY XX/XX/2018 IT WAS FOR XXXX XXXX XXXX AND THEY REFUSED TO HELP ME AND TOLD ME TO CONTACT XXXX XXXX XXXX  AND THEY WOULNDT ASSIST ME AND THE EXPERIAN REP WAS RUDE TO ME AND KEPT PUTTING ME ON HOLD FOR 30 MINS AND HUNG UP THE PHONE ON ME I HAVE NO TRUST WITH EXPERIAN
Consumer complaint received 2018-08-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (AZ)

I received a car loan from American Credit Acceptance for a XXXX XXXX XXXX. I did become delinquent however when speaking with them attempting to pay off the loan, I was informed that I could only pay using the automated system and to just pay what it tells me too. I did as instructed and paid the amount provided over the automated system in XX/XX/2015, I paid over {$2000.00} when the remaining amount on my loan was under that. I was informed later that I did not pay it off and when I called to find out why they flat out refused to assist me. They did they would pull the call where I was informed that I could only use the automated system to pay the account off and get back to me. They have never gotten back to me. I have attempted to dispute this item several times but every time they cause undue harm to my credit score by  attempting to make the debt appear as new and delinquent. They have charged off my account however continue to charge me a Per Deum on an account that was paid in full 3 years ago. As well as there was nothing on automated system to instruct this was not a total pay off amount. It did state that I was paying the total amount due.
Consumer complaint received 2018-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/2018 I submitted at letter to Kohls/Capone regarding an inquiry on my XXXX  Credit Report. I do not recall authorizing to get an account with their company Kohls/Capone Date : XX/XX/2018. I called an spoken with someone from Kohls/Capone XX/XX/2018 and that person stated that its no way they can remove it from my XXXX Credit File. I then disagreed with the company due to it being in violation of the FCRA.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MO)

This report is for NAVIENT student loan service.They keep attacking my credit after I have been making regular monthly payments.I am pay {$23.00} dollars over my agreed amount and still my balance is increasing.Navient is a fraudulent company and should be shut down.They are fraudulently charging customers interest to increase XXXX XXXX 's bonuses.This man and his staff should all be jailed.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP (NY)

This is regarding Key Bank who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXX for misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (TX)

I have a collection from Plaza Services on my credit report. I do not know what this debt is. I have never been contacted by Plaza Services. They did not have my written consent. I never received a copy of the original contract with my signature, I never received a copy of the payment history, nor did i receive the name and address of the original creditor.
Consumer complaint received 2018-04-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (CA)

I applied for a {$300.00} loan on XX/XX/XXXX. I was sent a payment schedule to pay off the amount. However, my payment due was over {$1000.00}. I had no idea that my balance would be that much. I only recall making one payment because I was in between jobs. On Thursday XX/XX/XXXX I spoke to XXXX XXXX  who told me that my remaining balance is now in her hands, She told me that I would have to pay a balance of {$700.00}, I told her that I don't have the money to pay and I wouldn't have it for another week but I just lost my job. I am not able to pay the entire {$700.00}. I can only afford to pay the amount of {$300.00} which is the amount that I borrowed and they are not trying to work with me at understanding my financial hardship. This company has several complaints against them through the XXXX XXXX XXXX.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I submitted a dispute to all credit agencies and have contacted XXXX XXXX multiple times, but XXXX XXXX is submitting my student loan with them as a revolving credit account to credit agencies instead of as an installment loan. The credit agencies are not accepting my dispute. By saying that I am using {$40000.00} of revolving credit, XXXX XXXX is harming my credit score greatly. Instead, they should be reporting this loan as an installment loan to the credit agencies with the other information that the loan is not due for a first payment until six months after my graduation.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (PA)

XXXX XXXX XXXX paid debt in XXXX to collection company- I have proof Actions taken - paid debt to debt collection company 2 years ago, they are still negatively reporting on my credit, and refuse to take it off. I have called the bank, and the credit bureau. 

XXXX XXXX - paid debit in XXXX to collection company- have copies that I paid the debt. They are still reporting negatively on my credit report, and refuse to take it off. 

XXXX XXXX XXXX paid debt to debt collection company, they are still reporting negatively on my credit reports. I have called the bank, and credit bureau, both refuse to take off of my credit reports. 

If you investigate, I paid them all. I will search for the other letters.
Consumer complaint received 2018-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I set up an ACH transfer from my XXXX XXXX XXXX account to my TD Bank checking account. on Tues. XX/XX/XXXX. Normally, it takes 2-3 business for the transfer to be complete, but my Monday XX/XX/XXXX, the funds were not posted in my checking account. I contact XXXX XXXX   regarding my transfer and I was informed that there was technically issues and my transfer would not be finalized until XXXX XX/XX/XXXX, but I did not get the funds posted in my account until the following day. Because of the funds were not in my TD bank account within the 2-3 days ; I receive four overdrafts fees from TD Bank. I explain to TD Bank several times regarding my issue, but the bank refuse to refund me the fees because it was not their issue. XXXX XXXX offered to speak to TD Bank directly, but once again the bank refused to refund me the over drafts fees. XXXX XXXX only provided me a XXXX refund back to my XXXX XXXX account for only one overdraft fee. I have made countless attempts to resolve this issue and I have offered to provide my bank statement and/or other documents to show the fees, but both TD Bank and XXXX XXXX refuse to resolve this matter As a consumer, I should not pay for any fees because this was a technical issue.
Consumer complaint received 2018-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (CA)

My mortgage is through MidAmerica, but serviced by XXXX. Recently, they sent us a letter stating that they were increasing our escrow portion of the monthly payment by over {$150.00}!! This happened because our property taxes increased and there was a shortage upon paying the property tax of {$390.00}. Upon my learning of this shortage, I immediately paid XXXX the {$390.00}, the same day that I received their letter. I have been trying to call them t discuss this issue. The amount the property tax increased comes to no more than an additional {$35.00} per month, so why are they asking for {$150.00} more per month. When I call XXXX they say to email them. Which I did. I requested that we close the escrow account so I can pay property tax and insurance myself. They sent a letter stating that they could not close the escrow account because our loan to value was more than 80 %. They were basing that off of the purchase price of the home! Our current loan amount is {$290000.00} and our home is worth at least {$560000.00}. Ive tried calling several times, only to be on hold for anywhere from 30 to 120 minutes, with no one ever answering. 
I simply can not afford to pay an additional {$150.00} per month and need to speak to a live person about it. Please help me.
Consumer complaint received 2018-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

To Whom It May Concern Re : Claim # XXXX I'm disputing Chase Bank Claim. JP Morgan Chase Bank allowed a merchant ( XXXX XXXX ) to debited my account using a debit card that was reported lost/stolen. It is obvious that JP Morgan Chase Bank is not taking responsibility for their error. 

On XX/XX/XXXX, I used my debit card ( ending XXXX ) at XXXX XXXX XXXX. They obtained an authorization for {$50.00} deposit. OnXX/XX/XXXX, the {$50.00} deposit was deducted out of my checking account and the authorization code should have gone away. 

According to JP Morgan Chase Bank response to your agency, the merchant ( XXXX XXXX ) used the same authorization code that was obtained back on XX/XX/XXXX, to debit my account for {$670.00} two months later. It is not possible for a merchant to use an old authorization code from two months prior especially after the original amount {$50.00} was debit from my account. It clearly shows on my bank statement XXXX debited my account {$50.00} and at that time that was all they were authorized because my car insurance company was paying the entire rental I could understand if XXXX an authorization code pending but they did not. Chase allowed {$670.00} to be deducted from my checking account fraudulently. 

I recommend Chase Bank take responsibility for their error and credit my checking account the negative balance including all the fees the account incurred. If they don't own up to their mistake I'm prepared to contact an attorney. I've been patient and cooperative with Chase. But I'm getting frustrated and I'm not letting them getting get away with this ' Sincerely XXXX XXXX
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/2018.The contract attached is fully executed now that the XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XXXXYet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.Experian has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I was refunded {$3000.00} for a canceled cruise. The credit hit my account on XX/XX/XXXX. The money was available to use for point of sale purchases. On XX/XX/XXXX I put a request in to transfer the money to my checkig account. I was advised that it would be complete within 3-5 business days. I called back on XX/XX/XXXX to check the status and was advised that it is still under review. The rep stated the funds were still under review to make sure the refund was valid and could be processed. My account balance states XXXX. I have been using the funds to conduct point of sale transactions which they make money off of but it is frozen for me to send to my bank account. I asked if I could do a cash advance at my bank to obtain the funds and they said I can but it will be a {$75.00} fee. They want to charge me to get my own money? I spoke to an account manager XXXX who refused to waive the fee or put me in contact with her manager. I want my money released and then I am closing this credit card out. Horrible non existent customer service.