davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NJ)

I contacted Navient requesting an updated amount left on the loan and future schedule for all payments and when the loan will be fully paid off.     I received an answer on  XXXX   XXXX  at  XXXX   XXXX  : Our records confirm your balance is {$28000.00} as of the date of this email.     Because the monthly payment amount fluctuates as the variable interest rate of your loan changes, the amortization of your loan will also change, rendering the previous information inaccurate. In addition, the application of payments to principal and interest is not predetermined. This means that since interest accrues daily on the unpaid balance, the number of days between payments determines the amount applied to interest from each payment. For this reason, we do not provide amortization schedules.  ( My  interest rate has been 12.5 % for over 2 years now and it has not fluctuated up or down ).     I also asked if I could pay a lump sum of {$10000.00} toward my principle of the  Private Student Loan to possibly lower my mo nthly payment and find out what the amount would be left on the loan.     I received an answer on  XXXX   XXXX  saying : As your loan is enrolled in  Auto  Pay, your payment will not pay your loan ahead and the loan will remain due for payments each month. Your loan follows a re-disclosure schedule, and your payment will be reduced automatically during this process to a lower payment, which will pay your loan in full using the same maturity date.     Your payments follow a standard payment application, in accordance with your promissory note. Payments will usually be applied first to outstanding interest, than to outstanding fees, if necessary, and the remainder to principal. If there is a significant amount of accrued interest, from a deferment or forbearance, the majority of your payment be applied to interest each month. Unfortunately, we are unable to provide a balance left on the loan due to the application between principal and interest. ( Why ca n't they give me this information? I would reduce the principal by {$10000.00} and then they can give me an updated payment and schedule. I know they are pushing this off so the service company "  Navient  '' would make more money over the time.     Any help would be much appreciated.
Consumer complaint received 2017-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (MD)

I sent a dispute letter to  Discover Financial Services  on  XXXX / XXXX /  XXXX   via certified mail and was received on  XXXX / XXXX /  XXXX   at  XXXX  I never received any verification about the account after 31 days of no response to my dispute I contacted  XXXX ,  XXXX , and   XXXX    and only  XXXX  has deleted this account from my file please help to get the other  XXXX  to remove this unverified account
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2017-05-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

See complaint  XXXX . Issue not resolved.  Ocwen omsbudsman kept referring to statements not present in Agreement  that was signed from GMAC. Today recieved same hard copy of letters of notice raising my interest iaw a step agreement. But nowhere in the agreement does it state that it is a step agreement, rather para.  4 sta tes a fixed rate for the life of the loan. Today the packet contains a letter that is a pre notice stating words to effect that  Ocwen i s trying to substantiate thier cause, it is dated  XXXX / XXXX /  XXXX  . I or my wife never recieved or had any knowledge of such a letter. This is the first time we have seen this letter, and it was never provided in any correspondence from Ocwen or GMAC prior to today. The letter is suspicious in nature in that there is no official letter head as in all other corespondence, Some of the writing is fuzzy and not of the same quality as in certain paragraphs and the ink in those paragraphs are definitely dark as to indicate that some one has super imposed writing over another letter. The letter is not signed by anyone. It just has a empty signature block stating  Loan Modification Specialist!  Any reference that this  XXXX  from GMAC is what appears to be a rubber ink stamp. I am giving Ocwen a chance to explain this obvious fraudulent letter. I will be forwarding all documents, especially this letter to appropriate Judical authorities for action! I ca n't believe that someone actually sent me this letter!!!
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

-- In   XX/XX/XXXX   the balance due on my   XXXX    XXXX  Credit Card ( billed b y Comenity Capitol Bank )  was {$250.00} and the minimum amount due was {$25.00}. The minimum amount due remained {$25.00} for   XX/XX/XXXX  ,   XX/XX/XXXX  , and for   XX/XX/XXXX ,  XX/XX/XXXX  a nd  XX/XX/XXXX  as the account balance continued to go down each month until it was {$140.00} by  XX/XX/XXXX .     -- So, beginning in  XX/XX/XXXX , believing the {$25.00} would be my monthly payment for the remainder of the balance, I decided to set up an auto payment. I did not plan to use the card or buy anything else as I had recently retired and wanted to pay down the bill. So I set up an auto payment on the account to be paid from my bank for {$25.00} each month by the due date, beginning  XX/XX/XXXX . I had not made and continued to not make any more purchases on this account. However, even though my account balance continued to go down each month from  XX/XX/XXXX  thru  XX/XX/XXXX , in  XX/XX/XXXX , with the account balance now being {$130.00}, they raised the minimum amount due to {$27.00}. Not expecting this as my balance had not gone up, and I had made no more purchases, ( and had on ly one  " fee charged '' -- {$27.0 0} ) m y auto payments remained the same -- {$25.00}.     -- However, because I was now, ( beginning in  XX/XX/XXXX   ), p aying {$2.00} under the minimum due I began to incur {$27.00} " late fees '' each month beginning in  XX/XX/XXXX  and continuing thru  XX/XX/XXXX . These fees are not marked as " late fees '' only " fees charged '' on the itemized part of the bill. In addition, they do not indicate the date they receive your payments on the statement. These  two f actors do not immediately make it obvious when you look at the bill, what is going on. My bills were never late -- only short by {$2.00}. So over this period of time from  XX/XX/XXXX  thru  XX/XX/XXXX  I incurred {$320.00} in late fees by my calcul ations. ( My  bill would have been paid off by now if not for these fees. ) -- I see no reason why the company would increase my minimum payment by {$2.00}, even when my balance was going down. I feel this is a type of scam or taking advantage of the customer, if you will. I feel that they can see you are now paying by auto payment and they believe they may be able to confuse you, if you do n't pay close attention to your bill -- by changing you an amount due slightly over your auto payment and then charge you exorbitant fees for " being late '' on a balance of {$250.00} or less.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NY)

I have been making regular payments on my mortgage serviced by  Caliber Home  Loans. Back in  XX/XX/XXXX  the escrow was ajusted of which I have no record of receiving and I am in a Winter home at that time so the mail was an issue. However once I was aware I made every effort to correct and with each payment that was not the full amount of the payment they conviently placed in a suspense account and began posting late fees etc, I have since been in contact with them in both   XX/XX/XXXX  and again in  XX/XX/XXXX   with the same response " your payment was late '' not once was the payment late. They have reported to credit agencies that the payment was late. I sent in additional payments to correct and am still told I have not made my payment. I call d again on Friday  XX/XX/XXXX  with no satisfaction, I then asked to speak with a supervisor and was told it may take 24 to 36 hours and   I was fine with that. On Monday I recieved a message on my phone from  XXXX  and I calle d back to a machine so I left a message to please call between  XXXX  and  XXXX  so I could have everything in front of me. I received no call back. It is now  XXXX  no call. I believe what they are doing with these payments is illegal. They are forcing late fees to hit.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Called on  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX   PDT, and spoke to   XXXX  " on   XXXX   XXXX   XXXX   ''. He refused to submit a dispute regarding my address, which is listed incorrectly with Experian. He explained that even though there is  XXXX  creditor reporting my address incorrectly, Experian would not allow me to submit a dispute to correct my credit record.     Now this is a problem as I have a credit freeze tied to my account and an incorrect address will make it near impossible to update. The incorrect address is due to a divorce and my ex-wife 's address being incorrectly reported as my current address.
Consumer complaint received 2017-05-06
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. (PA)

I called and spoke with a representative at Equifax and   XXXX  credit  reporting I have sent in documentation showing that I have paid my balance in full with   XXXX   XXXX   XXXX  .   Equifax continues to report a balance of {$11.00} on my report from   XXXX   XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted.  Reporting  this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On  XXXX / XXXX  /2017 I n oticed that I pay my card late. I went online and noticed also the late fee of {$27.00} put on already. I call the bank and the agent told me if you pay {$75.00} today that will be for  XXXX  and  XXXX  bill and we will take off the late fee too. I go online to see my payment for this month and I still seeing I have to pay {$75.00} plus the late fee still is there. I call and the agent said we will refund the {$75.00} back and then you pay it back to use to clear the {$75.00} payment but the late fee will remain. So they want to pay {$75.00} plus the late fee. Which I was told pay on  XXXX / XXXX /   2017 pay  {$75.00} and when you do we will take off the late fee. So that late fee is suppose to be in  XXXX  bill not  XXXX .
Consumer complaint received 2017-05-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TransUnion,  XXXX  and  XXXX , do not report all payments, I have contacted  XXXX ,  XXXX   XXXX , and others and they say, the Credit Bureaus do what they want  ans  have NO REGULATION. Despite companies sending in my on time payments, the credit Bureaus retaliate on consumers who complain by not fully adding payments made from day one to manipulate consumer credit sco res. We have copies of reports and hard copies, evidence shows the Malfeasance of the Credit Bureaus. Should we file complaint with US Department of Justice to end their corrupt action and retaliation? Credit Bureaus are refusing to report company in formation.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NC)

I filed XXXX disputes through TD Bank credit card for cancelled services from XXXX. 

I disputed a charge occurring on XX/XX/year> for {$80.00}. I won the dispute : XXXX - Claim. 
I disputed a XXXX charge occurring on XX/XX/year> for {$80.00}. I won the dispute : XXXX - Claim. 

Only XXXX of the {$80.00} disputes was credited back to me ; I called TD Bank customer service over XXXX times and they agreed with me, but never followed through in issuing a credit back for the XXXX {$80.00} charge. They seem to have a tech issue in what is being processed through their system. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I would like to file a complaint about our experience with purchasing flight tickets with Chase Ultimate Rewards. We booked 5 tickets traveling from XXXX XXXX to XXXX on XXXX XXXX by XXXX, the departure time is XXXX XXXX on XXXX XXXX. When we checked in at the XXXX XXXX counter, we were told the flight already departed at XXXX XXXX We were shocked! <P/>The manager in XXXX XXXX explained that the flight time of flight XXXX XXXX has been changed from XXXX XXXX. to XXXX XXXX, they said that they did notify Chase about the change, but are not sure if Chase sends notifications to passengers who booked tickets through Chase. We were fortunate that the manager was being very helpful and was willing to help us reassign five tickets from XXXX XXXX to XXXX with a layover in XXXX on XXXX XXXX. We finally arrived XXXX at XXXX XXXX  XXXX time, which is 9 hours delayed from our original arrival time. We appreciated XXXX XXXX help since this is not their fault at all. <P/>On the contrary, we received an email from Chase notifying us about the flight schedule change on the day of our flight to XXXX, but the notification is about the department time for the inbound flight. The email shows that the flight from XXXX to XXXX XXXX on XXXX XXXX would depart 30 minutes late. Whats interesting is that it still displays the outbound departure time to be XXXX XXXX Because of this is the most recent email we received from Chase, we assumed this is the most updated flight information and therefore we missed out outbound flight. <P/>We were upset that Chase didnt notify us about the flight time change. We never received any emails or phone calls about the change. Although Chase sent an email to notify the inbound flight time was changed, Chase should also display the updated ( new ) outbound flight time on the most recent email. In fact, when I logged on to your website up until now, the outbound departure time for our outbound time still shows XXXX XXXX <P/>Instead of arriving at XXXX XXXX., we arrived at XXXX XXXX, we lost 9 hours dealing with our flight change request and layover. We also missed the prepaid activities that we originally booked. We basically missed one day in XXXX We are loyal customers of Chase and Chase Ultimate Rewards, this is the first time for us to have to deal with drastic flight time change, hauling luggage between terminals It affected our mood and our precious vacation time. Thank you for offering the opportunity to explain our frustration. <P/><P/>Best regards, XXXX XXXX
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have wrote Experian,  XXXX , and   XXXX   on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified.   XXXX   said they will removed but still fail to do so. Experian and  XXXX  said they verified but the court said they did n't verified threw them. This item is not mines
Consumer complaint received 2017-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MS)

First of all I am not sure if this is identity theft of just a debt that is not mine. I received a transmittal fro m Transworld Systems Inc. date d  XXXX / XXXX / 17  for  XXXX  from a client named  XXXX   XXXX   XXXX    XXXX   XXXX   in  XXXX  ME. I called transworld on  XXXX / XXXX / 17  and was advised to contact  XXXX  directly. I called  XXXX  on  XXXX  and spoke to  XXXX  at  XXXX  and she informed me that the identity did not match and that she would n otify Transworld .  I received a letter from Transworld on  XXXX / XXXX / 17  stating that they would like to apologize for sent me a collection letter in error.and to be assured that this had been corrected. Today  XXXX  I received a letter from  XXXX   XXXX   XXXX   XXXX  in  XXXX  ME with the same account number but for  XXXX ! I called  XXXX   XXXX   and they said we did not send the letter, Transworld did. I then called Transworld and we went round and round again and they denied sending a letter saying that it wa s an error and could not explain both the difference in the amount owed and also the difference in the original biller. I spoke to  XXXX  the first time and he hung up on me then I called back and got  XXXX  again and asked for a manager  XXXX  and she could not make any sense out of it other than to blame the original billers!!  XXXX   XXXX   also  denied me having a bill for  XXXX . This has been happening to me over the last year and not just medical bills but also credit card bills. Several charges appeared on my credit cards that I did not make. I am so not sure what to do about this problem. The account number with Transworld is  XXXX
Consumer complaint received 2017-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685.      In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited  to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments o n weekends. The text of operative legal language is included below. Note that the law requires that borrowers be given to the prepay the debt AT ANY TIME. Therefore, FedLoan limitations are illegal . 685.211  Miscellaneous repayment provisions. ( a ) Payment application and prepayment.  ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary  applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal.  ( 2 ) A borrower may pr epay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment.   XXXX   XXXX     XXXX  Very truly yours, /s/  XXXX   XXXX
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I make the payment on the due date and I still get charged a late fee.  Synchrony  insist on charging a late fee just in case my payment does n't go through. My payments always go through and I never make a payment if I do n't have money to cover, yet Synchrony assumes my payment is not good. They remove the late fee once the payment comes through, but in the mean time it downloads into my accounting software and causes me extra work to account for this phantom fee. The amount of accounting cost me much more than  XXXX  dollars yet I ca n't charge them  XXXX  penny extra for my labor they cause.     When is our government going to rescue us from this kind of abuse? This 'selling laws to the top bidder ' has to END!     EARN THE MONEY!
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2017-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

I had a student loan being serviced by FedLoan Servicing  XXXX   XXXX   XXXX , that was paid in full  XXXX   XXXX ,  XXXX . A " Paid in Full '' notification letter was issued by FedLoan Servicing confirming the account had a {$0.00} balanc e ( n otification letter attached ). Previous to that, the account was paid via direct debit directly from my bank account.     Then, on  XXXX   XXXX ,  XXXX  , ( six  months later ) FedLoan Servicing issued a notification that a balance of {$62.00} existed on the account, and that the account was delinquent since  XXXX   XXXX ,  XXXX   (  delinquency letter attached ). This issue was automatically reported to the credit agencies which dropped my  credit score  from  XXXX   ( excellent )  to  XXXX   ( b ad ) overnigh t. FedLoan Agency ha s acknowledged that this reporting was a mistake, and that the account was not delinquent. I have repeatedly contacte d FedLoan Agency si nce  XXXX   XXXX ,  XXXX  to get them to issue a correction to the credit agencies ; but my score is still at  XXXX  as of  XXXX   XXXX . They are not responsive. They have n't even provided me with documentation of the steps they have made to fix the error, nor even sent me a letter so that I could provide documentation myself to  XXXX ,  XXXX , and  XXXX .     I need  FedLoan Agency to provide me a document stating that my account was not delinquent, that FedLoan Agency issued  the delinquency notice in error, and that the loan is paid in full ; so that I can file directly with  XXXX ,  XXXX ,  XXXX .