davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (DE)

XX/XX/XXXX - XXXX XXXX account/credit card through Synchrony Financial ( a second credit card with Synchrony Financial XXXX the first one obtained in XXXX XXXX ) XXXX - XXXX XXXXXXXX charge of {$3000.00} Made monthly payments by bank draft on XXXX  ( list below ) but payment on XX/XX/XXXX for {$2300.00} ( listed on my account as " posted '' ) was placed on a 10-day hold by Synchrony with no notice to me. All prior payments on both Synchrony cards have always been posted same-day. 

XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$2300.00} XX/XX/XXXX - A payment transaction by surgeon for my XX/XX/XXXX XXXX was declined due to {$12000.00} not being available - only {$9000.00} was available due to the unapplied {$2300.00} payment that I was told would be released from hold on XX/XX/XXXX. My XXXX date was due to be cancelled if payment was not made by XX/XX/XXXX. To avoid this, I requested a credit limit increase of an additional {$3000.00} that was approved but the Chat Rep mistakenly entered {$300.00} as the amount of the increase and quickly terminated the chat! 

I had to start a new Chat thread to have a second Rep correct the error. 

The only way to work to resolve this was through the Synchrony website 's Chat Bot. After requesting a " live Rep '' with the Bot, the Chat Rep stated the reason for the hold was due to the [ high ] payment amount. I advised that the payment was from cash/ACH from my bank account that was done on XX/XX/XXXX, and there is no reason to hold a cash payment, let alone for a two-week period, and without any notice to me.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NJ)

I own a small fitness manufacturing company that was severely impacted by the Covid-19 pandemic. Most of my clients have been forced to close and we have had a shelter in place order in my state earlier this year. Needless to say it has been a struggle to keep the business operating and pay my bills on time and I certainly appreciate that most of my creditors have been very sensitive to the pandemic and understand that many Americans are struggling financially during this time. 

However, I am writing in regard to TD Bank where I have an overdraft line of credit for more than 10 years. I always make payments via online transfers to this account on time, however, during the month of XX/XX/2020 this year I just did not have the money to even make a minimum payment. I was shocked when I was reported as 30 days late and saw my credit score drop by 75 points, which now affects my ability to borrow XXXX money offered by the XXXX. I disputed this through the credit bureaus but TD Bank would not remove the late mark, only added a note to my file which does nothing for my case. I need TD Bank to remove this negative mark immediately.
Consumer complaint received 2017-07-31
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. (NJ)

Item purchased : XXXX XXXX XXXX XXXX Camera + 18-135mm USM + 70-300 USM + 50mm 1.8 II- SAVE BIG Date : XX/XX/2017 On the above date, I placed a {$1600.00} purchase for the items above and upon its arrival, I realized that the order was missing the camera but however beared most to all of the accessories. Thus, I contacted XXXX immediately with hope that they would have been able to resolve the issue at hand and was asked to file a police a report. I filed the police report and received confirmation that they had received the report. After weeks of waiting for a resolution, I decided to dispute the charge with Chase. I was issued a temporary credit and was educated that they would investigate and make a final decision on the temporary credit at a later date. XXXX,2017, the temporary credit was reversed because per chase the merchant provided proof of delivery and that I did not provide the requested police report to the merchant when asked. Two things have confuses me throughout the entire so called chase investigation of the chargeback ; I was never asked to provide any proof that I did file and send the police report, and the fact that they made their decision solely after the seller provided to them proof of delivery when the original claim was not about the item being delivered or not because the item was indeed delivered but instead of all the ordered being in the box only partial of the order was fulfilled.
Consumer complaint received 2019-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

Heartland ECSI is charging me what essentially amounts to a prepayment fee. Heartland charges fees on direct debits by routing/account numbers, unlike most other servicers - including XXXX, XXXX and XXXX. I requested a refund of these fees and notified their customer service staff and supervisors that they were likely charging illegal fees on XX/XX/19.  They did not refund the fees. 
They appear to be in violation of my Truth in Lending Act disclosure for my federal Perkins loan in doing so. I asked that they refund the fees charged to my account on these dates : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 Further, I'd like CFPB to look into the legality of Heartland ECSI charging these fees to any of their customers. This seems to violate the spirit of the law against prepayment penalties.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Lured by attractive terms ( i.e. no foreign transaction fees, no annual fee during the first year ), i opened a Barclays card in XX/XX/2020. Shortly, i received and activated the card. IF Barclays had signed me up for a different card than their offer to which i responded, Barclays NEEDED TO NOTIFY MEnot in a small pica footnote, but prominently enough for me to re-consider opening the card. Barclays did not. I used the card shortly thereafter while traveling abroad. 
Since my monthly payments were on AutoPay, my initial payment included the {$99.00} erroneous fee. Recently seeing what had happened, I phoned Barclay 's " customer service '' line twice, but BOTH times the Barclays system dropped my call. After one hour ( on those two calls ) i was able to accomplish NOTHING, even though the second Barclays agent correctly repeated my phone number and promised to call back if we were disconnected. He never did. 
In response to my demand letter, Barclays refunded the credit balance on my account but refused to refund the {$99.00} fee i should NOT have been charged. In closing the card this morning, Barclays agent XXXX confirmed that Barclays internal records reflect that my account was indeed a non-annual fee account for the first year. 
I now see in searching reviews of Barclay cards that this bait and switch technique is fairly common with Barclays. You apply for one card with certain benefits, Barclays sends you a lesser card and FAILS to note WHATSOEVER that the card they sent is NOT the card you applied for. This deceitful operating procedure MUST BE STOPPED.
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (NY)

On XX/XX/2020 I sent a dispute letter to Debt Recovery Solutions and all 3 credit bureaus regarding a collection/charge-off. XXXX  has since deleted the account from my report while the other 2 bureaus are still listed. It is well over 30 days and the account still hasn't been updated or removed.
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

When reviewing my credit report from all 3 major bureaus last year in XX/XX/XXXXI noticed 3 collection accounts for medical bills that I had no knowledge of. I asked all 3 bureaus to remove them, The only bureau XXXX after investigating was kind enough to remove the item. 

I am in the process of applying for a mortgage and this is a problem in being approved by a lender. 

The collection Agency information is listed below. 
XXXX XXXX XXXX XXXX They show 2 addresses On the letter head is XXXX XXXX XXXX XXXX, Ohio XXXX The envelope XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX I am enclosing documents showing how I have attempted since XX/XX/XXXX to obtain any information on this alleged debt and all I get is a piece of paper with 3 amounts and no documentation. 

XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX  XX/XX/XXXX - Letter to XXXX regarding identity fraud XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter from XXXX to me with no detailed information As you can see I have asked for information regarding these debts which are not mine numerous times.They should be removed from my credit reports. 

Thank you
Consumer complaint received 2023-04-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

XXXX ( Washington Mutual Bank ), filed Bankruptcy XXXX, FDIC became Receiver, JP Morgan Chase became Servicer of Loan XXXX until XXXX, whereas they sold servicing rights to XXXX. Per Chase they are not the investors. Per Record of Deeds of XXXX XXXX of Illinois it shows an Assignment of Mortgage ( XXXX, XXXX, as Trustee, in trust for registered Holders of XXXX Asset-Backed Certificates XXXX XXXX XXXX XXXXXXXX XXXX JPMC ( JP Morgan Chase Bank ) is the owner of the account, ) Per Chase Bankruptcy Dept, Chase shows as Investor since XXXX, 1st JP Morgan Chase only became Servicer as of XXXX, They didn't Repurchase Mortgage, after XXXX XXXX Canceled all Securitized Mortgage back BondsXXXX, and making XXXX XXXX  XXXX, the Trustee over Washington Mutual Bank, after reorganization by the XXXX XXXX Team There are no more Bonds only stocks, Because these Bonds were Insured by XXXX XXXX  They then Sued FDIC XXXX JP Morgan Chase Bank , Washington Mutual Bank , whereas they told the court they were affected by the Bonds that was written off by Washington Mutual Bank before XXXX, XXXX XXXX  was awarded over XXXX, finalized XXXX  XXXX But for some reason there remains an Assignment of mortgage Via XXXX XXXX. Trustee for XXXX , ( AKA JPMC ), again I stress there is no Mortgage from JP Morgan Chase Bank , or XXXX XXXX XXXX Trustee, per XXXX, there is no Mortgage on our account, per letter dated XXXX from Executive Office ( Mail Code XXXX ) stating that Note Originated XXXX, and that it was with Washington Mutual Bank XXXX and the FDIC was the Receiver as of XXXX, But Per XXXX mortgage servicer as of XXXX, XXXX, XXXX, as Trustee, in trust for registered Holders of WaMu Asset-Backed Certificates WaMu XXXX XXXX Per Assignment of Mortgage added by JP Morgan Chase Bank- ( JPMC ) added on XXXX XXXX the owner of the account is provided below : Attention : Agency and Trust ( XXXX  XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXXXXXX. 
XXXX XXXX NY XXXX Which was after Washington Mutual Bank Bankruptcy Case ( XXXX ) Making XXXX XXXX XXXX the Trustee over Washington Mutual Bank, after several law suits it was determined that after Washington mutual Bankruptcy since JP Morgan Chase did not Repurchase the Notes, and the ( RMBSL was written off ) that our Account belongs to the Receiver FDIC,, Per document received from JP Morgan Chase Bank on XXXX. There is No Mortgage in XXXX and There is No Mortgage with JP Morgan Bank and there is No Mortgage with XXXX and there is A Mortgage with Washington Mutual Bank. This Assignment of Mortgage that was added to our Records Of Deeds we feel it was either added in error, or without advising Borrower of a change in Investor, or fraudelent, if there is a Change in Investor Please Supply, if Not Please remove Assignment of Mortgage from XXXX XXXX. Trustee
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
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. (FL)

On XX/XX/2021 was withdraw from my account {$5000.00} without my authorization from XXXX, I instantlly called the Chase Bank because I didnt do that transaction, they responded me that they can not do anything because I did before a transaction with that company. I reach the company and they told me to call my bank to reverse the founds and they didnt help me with this. I just want to recover my {$5000.00}. 
The manager told me that because I enter my bank account they cant withdraw money without my authorization any time they want
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (GA)

As my child is only XXXX years old, but the company call Netspend just send her a real prepaid Visa debit card to activate.account number on card is XXXX and routing number is XXXX issue by XXXX
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Fidelity LP (NY)

XXXX XXXX XXXX as Custodian on my 401K is insisting that I pay {$670.00} in annual fees on an asset that expired and defaulted in XX/XX/XXXX. They demand a further {$370.00} to close the account. I have repeatedly asked that they cancel the asset since late in XX/XX/XXXX ; they refuse. I have asked for copies of my original custodial agreement ; they have not complied -- and indeed, sent me someone else 's confidential account opening information, including Social Security number, instead. 

They were carrying the asset at a false value for 6 years until I demanded that it be written down to {$0.00}, as it is expired and defaulted and has no market value. They have now referred the {$670.00} fees to a debt collection agency, Universal Fidelity LP. I believe XXXX XXXX XXXX is in breach of custodial and fiduciary duty and are only concerned about their fee stream. The clearly have NO IDEA what is going on with this asset and apparently want to assess me {$670.00} fees per annum in perpetuity for an expired and worthless asset. A responsible custodian/fiduciary should be looking after its client 's interest, not its own fee stream.
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc. (UT)

I contacted SCA Collections concerning this debt. They sent a letter dated XX/XX/2019. They sent me copies of records from the original creditors. These records were placed in my name, unbeknownst to me, for pathology services for someone else. The address listed was the address of my ex-wife, XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX. The listing is in my name but I never received these services. I'm looking into this as identity theft from what I assume is my ex-wife to whose address this was listed. I do not know the health professional listed, XXXX XXXX, either. This needs to be investigated as my information was most likely used fraudulently. The total for this bill is {$110.00}.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harpeth Financial Services, LLC (TN)

I received a letter from ADVANCE FINANCIAL saying they were going to take out {$280.00} from my checking account on XXXX/XXXX/XXXX. On Saturday, XXXX/XXXX/XXXX, I called them ( they are open XXXX ) and told them I could not afford that amount coming out. I told them that I could pay {$25.00} the following Monday, XXXX/XXXX/XXXX. The representative ( I did n't get her name XXXX agreed to the arrangement. On Monday the XXXX, I found that {$290.00} had been drafted from my account. I called Advance Financial again to find out if they took it. The representative that I spoke to ( did n't get her name either ) said that they had not yet taken anything out of my account and confirmed the earlier arrangement. I then went to my bank to find out who took it out. They said it was Advance Financial. I then called Advance Financial again and got a male representative. He said that the draft was put in motion on the XXXX, which was why it was n't stopped by the arrangement on the XXXX. I then asked him why I was told by a representative earlier in the day that they had not yet taken anything out. He said he did n't know because my account showed that I called earlier in the day, but not what was discussed. 1 ) The rep I spoke to on Saturday XXXX XXXX ) did n't tell me this transaction was pre-arranged, already in motion and would n't be stopped or changed no matter what I did. 2 ) The rep I spoke to today XXXX XXXX ) LIED to me when she said that they had not taken anything out of my account today. Now I have to borrow money from yet another company to cover outstanding checks and debits in order to prevent them from bouncing, thereby causing overdraft fees, thereby causing even more debt.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached history of payments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listedbelow. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this  report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX
Consumer complaint received 2019-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (KS)

In XX/XX/XXXX I graduated from XXXX XXXX XXXX. I borrowed {$58000.00} on a private loan. This amount is key. After graduation and my 6 month grace period I couldn't afford the initial payment of roughly {$400.00} per month. I sent in partial payments but the Sallie Mae/Navient worker on the phone told me they wouldn't accept partial payments. So they advised me to go on a forbearance. They didn't explain fully what would happen to my loan in regards to interest and capitalized interest and accrued interest. I was young and ignorant. They said my payment would go up slightly but hopefully I would be making more money at that point. I ended up putting my loan on an 18 month forbearance. At the end of that they told me I ran out of the option for forbearance so I had to start paying. My payment went from roughly {$400.00} a month to over {$850.00} a month. My disbursement amount on the loan on XX/XX/XXXX was {$96000.00}. So from the time I graduated in XX/XX/XXXX until XX/XX/XXXX my loan went from {$58000.00} to {$96000.00}. That is {$37000.00} more than I borrowed due to capitalized accrued interest. This is my first issue. This is criminal and corrupt. I was blatantly mislead and my monthly payment more than doubled. I had to make these payments because they didn't give me another option. So I had to move my wife and XXXX kids into my in-laws basement for over 18 months just to stay afloat. Here is my second issue. To date I've paid {$67000.00} on the private loan and according to Navient I still owe {$92000.00}. This is criminal. I've paid more than the original amount on my loan before the mislead forbearance. I understand paying interest but this is lunacy. So in 11 years I've paid over {$67000.00} and my loan has only gone down {$3200.00}. Again, this is criminal. At this rate it will literally take me 310 years to pay off the debt. Do the math! This beyond absurd. I've tried talking to Navient but I can't get past their normal hourly paid call center worker. They don't care about me. I need help and relief. I've already paid 112 % of the original amount borrowed yet I owe {$92000.00}. Please somebody help me!
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (FL)

I checked my credit report and saw an account from XXXX XXXX for {$650.00}, original creditor is City of XXXX XXXX. XXXX XXXX reviewed and investigated the complaint. Someone named XXXX XXXX replied and I sent him an email at XXXX. I paid the original creditor and expect this account to be deleted from my report.
Consumer complaint received 2015-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

This debt was disputed with the original creditor XX/XX/XXXX. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from XXXX on my credit report even though it shows the debt is in dispute. I would like your assistance getting this account removed from my credit reports with all credit reporting agencies.