davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My son has a student loan from Navient with me as consigned. I have payments directly deducted from my bank account. Although they have been taking out payments each month since, all were considered late and I just realized it. I spoke to XXXX on the phone who said the payment due was XXXX. I wanted to pay XXXX $ and have the extra applied to the principle. XXXX said the extra would only be applied to XXXX payment not the principle. XXXX said there was no way she could take any moneys to be applied to the principle. She did not know who to direct me to for inquiries about how to make payments to reduce the principle.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (AZ)

I purchased a XXXX product on their website for {$350.00} and returned their product to them on XX/XX/XXXX. It is now XX/XX/XXXX, and I have yet to receive a refund for my return, despite XXXX having received my item over a month ago, and despite XXXX having assured me that I would be receiving my refund no later than 14 business days from the date of receipt ( XX/XX/XXXXXXXX   ). I have contacted XXXX multiple times about this issue, and they have provided false timelines about when I will be receiving my refund. I filed a dispute with Cash App, since it seems that XXXX is unwilling to return my money to me. However, Cash App denied my dispute, despite me providing clear documentation showing that I am owed a refund from XXXX of {$350.00}. I have provided this exact documentation in this complaint.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (TX)

A talk to an agent a month ago about a miss payment showing up my account. I was told " 'it is nothing to worry about and it will fix itself ''. A month later I still have a miss payment on my credit report. The late payment bringing down my credit and prevent me from purchasing a car. I need it right TODAY.
Consumer complaint received 2024-05-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (FL)

I am writing to formally file a complaint against CreditFresh regarding the predatory nature of the loan I have with them. I have experienced several issues and concerns that need immediate attention. 

On XX/XX/, I contacted CreditFresh via email to address multiple issues with my account. Despite my efforts to make an additional payment to my account, the payment button was grayed out, preventing me from doing so. This has been ongoing for over a week. Consequently, my balance has increased even though I have not missed any payments in the 6 months I have had the loan. I also expressed my intention to make a significant payment to reduce my loan balance, but due to their system being down, I could not do so. I requested that I not be charged interest for this period. 

Additionally, I noticed that a significant portion of my payments is going towards fees rather than the principal amount. Out of a {$140.00} payment, only {$28.00} goes towards the principal, which is unacceptable. This breakdown was confirmed by a representative from CreditFresh, who stated that my minimum payment of approximately {$160.00} includes {$140.00} in billing cycle fees and only {$23.00} towards the principal. This practice is not only unreasonable but also indicative of a predatory lending scheme. 

Furthermore, I have been unable to change my auto payment method to a different bank account due to their restrictive policies. Despite providing the necessary documentation and verification, my account remains under review, limiting my ability to manage my payments effectively. 

The responses from CreditFresh have been inadequate and fail to address the core issues. Their customer service representatives have informed me that my account is under review and that I need to provide additional documents to verify my identity and address, which I have done. However, the restrictions on my account remain, and my concerns about the loan structure and payment allocation have not been resolved. 

I am requesting a thorough investigation into these practices and immediate action to rectify the situation. The allocation of payments towards fees rather than the principal is not only unjust but also places an undue financial burden on me. 

Please find attached the email correspondence with CreditFresh for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-07
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: Global Lending Services LLC (FL)

While checking my credit report, I notice an account from Global Lending Services that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Global Lending Services is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2019-02-21
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: AMERICAN EXPRESS COMPANY (NJ)

all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX XXXX XXXX XXXX  - available : XXXX XXXX XXXX XXXX XXXX XXXX  -available : {$10000.00} XXXX XXXX XXXX XXXX - available : {$8900.00} XXXX XXXX XXXX- available : {$9000.00} XXXX XXXX- available : {$5200.00} XXXX XXXX XXXX-available : {$1000.00} XXXX XXXX-available : {$6000.00} XXXX XXXX available XXXX Please help me
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My credit report reflects an account in collectio for XXXX dollars. 
I called the collection company and this account belongs to XXXX. 
The address and the name are n't mine but they still say when mySocial security it 's put in to their system they get that own them moneyWhich I truly know it 's not mine
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The accounts showed in my credit report are not mine. The accounts belong to a family member with a similar name. Therefore the score calculated is someone elses. I also saw XXXX account in collections which does not belong to me. Again issue of incorrect ownership, belongs to a relative and not myself.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I didnt authorize a charge/payment of {$500.00} to a person named XXXX that I dont know on XX/XX/2024, my checking account was hacked. I contacted JPMorgan Chase fraud claim department on XX/XX/2024. The fraud specialist/representative from Chase provide me a credit to reverse the charge and file a claim. After a month of investigation into the claim on XX/XX/XXXX, they reversed the claim and denied it.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed these items on XX/XX/22, XXXX, and XX/XX/22 for the FCRA violation these XXXX XXXX are in violation and can not be on my consumer credit report. XXXX, XXXX, and TRansUnion have all broke the law and are now ignoring my dispute demands that the are legally obligated to.
Consumer complaint received 2015-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ORG GC GP BUYER, LLC (TX)

Back in XXXX, I received a letter that says that I owe XXXX {$3600.00}. The problem is that I never started an account with XXXX, nor had the knowledge of it being in my name. Recently, the false debt has been reported to the credit bureaus.
Consumer complaint received 2015-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc. (WI)

I need some help, I have had insurance my whole life, a collection agency has been calling named Alliance Collection. I advised this agency XXXX months ago if my insurance was ran they would have paid it. I took it upon my self after this agency reported this to my credit to call my insurance company finding out this was never submitted for payment at the doctors office which everyone was advised I had insurance and provided the card and proof. The insurance company is now also getting involved. The collector was very rude also.
Consumer complaint received 2015-10-31
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (GA)

i borrowed $ XXXX.which i was thankful forbut wasnt expect the ernomeous feesannual percentage is 668.17 % finance charge is $ XXXX-amount financed is $ XXXXtotal payments is $ XXXXwhich each pay period i 'm only paying $ XXXXto amount financedif i keep going like this i will be put out of my house/ and lose mycar due to the fees
Consumer complaint received 2015-04-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (VA)

My Macy 's bill was due XXXX XXXX. By XXXX XXXX I received XXXX phone calls. The first call was at XXXX and the last call was at XXXX. On Sunday, XXXX XXXX I received another call at XXXX XXXX. On Monday, XXXX XXXX, received XXXX more calls in the afternoon hours between XXXX. On Tursday, XXXX XXXX, I received another XXXX calls. XXXX at XXXX and the other later in the afternoon.on Wednesday, XXXX XXXX I received XXXX more calls, the first coming in at XXXX and the last at XXXX. On Thursday, XXXX XXXX, I received a total of XXXX phone calls. The XXXX call was at XXXX. After which, I went online and made a partial payment to try and subside the calls. I continued to receive the for calls after I made the partial payment. Later that evening when I got off work, I called and complained about the harassment. They made a note in my file. There was no apology, just blaming the automated system they have. I can understand calling a person once a day after there bill is late, but only being late by a week should not substantiate nearly XXXX calls in that week alone.
Consumer complaint received 2017-01-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CORELOGIC INC (FL)

1. I have been trying to get refunded from over-payments that I had sent to XXXX via XXXX XXXX in XXXX, NC. XXXX XXXX office acknowledged that I did make the overpayments to them, but they had sent it to CORELOGIC an associate company with XXXX. XXXX said that they had put all of the money into my escrow account, but there was nothing there except {$250.00}. I have had the home for over 8 years, yet on my yearly receipts it showed that the mortgage of {$110000.00} remains the same ; therefore, I owe XXXX the same amount of mortgage as I had borrowed -- despite years of paying my mortgage. Anyway, I tried to get my refund from XXXX, and was asked to speak with XXXX XXXX who has been nothing but an XXXX. He keeps twisting my words, talking over me, etc. He is refusing to acknowledge the documentation that I sent him including the cancelled checks that XXXX XXXX had cashed. He acknowledges that I am owed monies, but he refuses to give me a summary and check. He wants me to tell him how much I am owed. 

2. Also, I want to know why my mortgage of {$110000.00} has not changed since I purchased the house, or why I have never had any monies in my escrow account except for {$250.00}. He wo n't explain that to me. I did do a XXXX refinance of {$4000.00} last year to save my home from foreclosure, but it still does n't explain why I had no monies in my escrow account and why my mortgage has never been reduced despite paying my mortgage for the 8 years I have had the home. 

3. Also, I need to find another mortgage holder to take it from XXXX.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i disputed this file on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX the file was deleted XXXX was the original creditor.. On XXXX XXXX i requested a copy of my credit report i noticed a company call XXXX after doing some research this is the same account that was deleted on XXXX/XXXX/XXXX i have supporting documents to my claim also that i never open an account with XXXX on XXXX
Consumer complaint received 2016-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Ive asked to have the comments " less than full balance '' to be removed from my credit report. The settlement was for the " FULL '' balance, I 've sent documents from the company confirming this and Transunion still reports incorrectly should just be paid.
Consumer complaint received 2015-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ASTA FUNDING INC. (NC)

Hello I have a bill for a cell phone i took out for a friend of mine in 1999 the debt is on my credit report as a civil judgement. I called the collection agency bcs i stalled on paying back bcs like i said i did not feel i should but i know it is my social and my information on the debt. it was originally {$850.00} and that is on my credit report. Now i called them and they want to charge me a daily rate of 4 % on the balance which according to them is {$1800.00} they wont stop the intrest accruing daily or work with me to reduce the debt i want to pay off. 

Can you help me.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I received a text from who I thought was Chase Bank stating they had detected a unauthorized transaction on my account. Phone # it came from XXXX I checked my account didn't see any transactions so I didn't text back. An hour later I received a call from a Unknown # stating her name was XXXX from Chase ID # was XXXX. She told me I needed to verify my identity through my account on XXXX so they can stop the unauthorized charge from going through. She walked me through deactivating my XXXX account through Chase mobile app and activating it again. She told me to send XXXX to my Phone # on XXXX so she can verify who I am, I followed her instructions she then told me to do the same for my High School account. I followed her instructions again for {$470.00}. As soon as I sent the money to myself I thought, she hung up. I checked my accounts and they both showed {$0.00}. She had scammed me for all the money in my account. I called Chase right away and they filed a claim. The CSR from Chase advised me there is a 50/50 chance I will get my $ back and filing a police report will higher my chances.Chase account XXXX
Consumer complaint received 2017-02-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank or America made an error. On XX/XX/2017 I was to receive a deposit from the VA. It showed as a deposit alright however, it had a negative sign attached to it. Which left my account negative and over drawn. I called and was told that the deposit shows as negative because it had n't posted yet. Well, the next day it still had n't changed and this time it read " error. '' I called and was told that they would have it corrected within 15 days. On XX/XX/2017 my other deposit from the BA hit as a positive leaving my account with less than five dollars. I kept in touch with the bank and talked to a handful of people including a bank manager. I am still waiting for them to fix the issue. In the meantime I have gone back to paper checks which take longer and I am going to have to cash them a different way because I do n't trust Bank of America. I went to the bank yesterday and they said that the VA has to basically release the funds all over again and that is what they are waiting on. Once that is fixed they have to submit a ticket for the next check and the overdraft fees. I was not given another time line for that. I lost my home and have had to move into a friend 's house because the Bank owes me over 3,000 dollars.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In Accordance with the fair credit Reporting Act Capital One, has violated my rights. 

15USC 1681 Section 602 States I have the right privacy 15USC 1681 604A Section 2 : It also states a consume reporting agency can not furnish a account without way written instructions. 

15 USC 1666B A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late fr any purpose.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I have applied for a mortgage refinance. My credit scores on XXXX and XXXX are excellent in the mid XXXX 's. There is a credit freeze on the Equifax system. So far I have been unable to have this removed as they either will not or can not send me some XXXX digit code. I 've written to them, sent the money and have scanned all their on line info. All their phones are automated. Today I received an automated message advising I had no credit file. I need the freeze released permanently as my rate lock will expire. I have been working on this issue since XX/XX/XXXX. Thank you for your assistance.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

I have Judgement on my account that was on there, but it was paid in full it should never been on my report, Its all paid tax lien, it was on my credit by error, then deleted now its showing up again, my life has been place on hold for the error 's reported
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

I had a fraudulent charge on my account for {$470.00}. I reported this as fraud to Wells Fargo. I received a letter today ( claim # : XXXX ) that Wells Fargo found that because a PIN number was used, the transaction to have been made by me or someone I authorized.
Consumer complaint received 2016-04-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MI)

I filed a home modification with Caliber Home loans XXXX XXXX due to falling behind on my mortgage. I filled out the paperwork and submitted by email and fax. Several days later I call and they ca n't locate the paperwork, next time I call they have all the paperwork and the modification dept was going to review. I receive a letter stating I needed to send more information and I email the information and receive another letter not enough information- this has been ongoing for a year now. Same story they received the requested documents and then I receive a letter that they need more. I hired a lawyer and he has had the same issue with this company. Meanwhile they tell me not to send a payment because I 'm going through modification and I 'm behind. Now 8mos into this ongoing issue I am going to be faced with foreclosure because their departments mysteriously lose documents after I keep resubmitting.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My mortgage was sold in a refinance deal in XXXX 2016 from XXXX, to XXXX ( briefly ), with final sell to XXXX XXXX ( and my credit report shows this ). However, the new financial institution to which I am making payments ( XXXX XXXX ) does not show holding this mortgage or my payments on my credit report as of XXXX/XXXX/2016. I have made XXXX payments and, after filing a complaint about not receiving transfer of service documents, received documents about 3 weeks after disputing. Those servicing documents said that XXXX XXXX, the servicer of my mortgage loan, reports credit to the credit bureaus. However, according to my credit report, they have n't ( at least for my mortgage ). See pages XXXX, XXXX, and XXXX of the attached documentation for highlighted/affected areas ; entire credit report attached in order to show there are no open mortgage accounts under any other name.
Consumer complaint received 2016-06-17
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ad Astra Recovery Services Inc (NV)

I have received numerous phone calls / voicemails from XXXX. They never identified themselves, said why they were calling, only saying that it was a personal business matter and refused any other information and kept insisting that I identify myself. I hung up on them several times and they kept calling. I also never received notice of right to dispute either.