davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IN)

I have a parent plus loan I obtained for my son around XX/XX/XXXX. I am confused as to exactly what kind it was now, but it was for {$25000.00}. I made monthly payments faithfully beginning after his college graduation in XX/XX/XXXX. In XX/XX/XXXX I filed bankruptcy, but it was never confirmed and therefore dismissed in XX/XX/XXXX. After the dismissal I called the loan company ( XXXX XXXX ) to inform them I wanted to resume payments. The account is now with Navient. This company says they have " no record '' of payments prior to XX/XX/XXXX when they received the account. 
I called Navient at XXXX on or about XXXX XXXX, XXXX. The representative told me had to send PROOF of payments. I did, as payments were verified by the bank manager and properly stamped. I mailed an accompanying letter to Navient to the address they provided requesting a balance review and reduction. I have made XXXX calls and nothing has happened. All I have been sent is their " payment history '' which only goes back to XX/XX/XXXX!? 
That is not what I asked for. I have the requested proof of payment all the way back to XXXX. What is the problem? 
This loan is grouped with other private loans through XXXX XXXX that I began repayment for in XX/XX/XXXX. I could not check both boxes at the top but all are/were consolidated and grouped together now with Navient. Why have n't my previous payments been included as far back as XX/XX/XXXX? I want my balance adjusted reflecting all past payments back to XXXX XXXX. I have provided the proof!
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Bayview Loan Servicing LLC has violated Bankruptcy Law and State and  Federal laws by trying to foreclose on our home. XXXX XXXX XXXX has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer XXXX XXXX XXXX developed a scheme and transferred loan to Bayview Loan Servicing to cover up Bankruptcy Law violations.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

XXXX XXXX XXXX charged my card {$98.00} on XX/XX/2020. My husband and I don't recognize name at all. Chase Bank says it's a management consulting company in XXXX. There is a phone number, but it's international so we aren't going to call them and pay the long distance call to fix this. We disputed charge with fraud department. This kind of thing happens all the time. Merchants should have some regulation that they provide an address and toll free number so that they can be easily reached and investigated for fraud. Also they should provide the name on credit card that they provide to customers so they can be easily identified. 

Banks need more regulation in general as well as merchants.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

XXXX - XXXX - we have been struggling financially had auto payment set up with Citi card for {$300.00} They took {$960.00} from my bank with no authorization on XX/XX/2018 XX/XX/2018 I contacted them via chat and on XX/XX/XXXX I called XXXX. - the rep told me then that it was taken care of and would refund {$610.00} and I would pay {$350.00}. They said that would take 3 days. After 5 days {$90.00} was refunded on XX/XX/XXXX. I called again on XX/XX/XXXX, spoke to customer service and they assured me that the additional {$520.00} was being process to refund, nothing on Monday XXXX. I called and spoke to XXXX ( XXXX ) in customer service who assured me that the {$520.00} was in process and would be deposited into my account by end of the day XXXX. 
On XXXX I call again and customer service tells me that Citi cards will do nothing because I was behind - I need to make mortgage and did not authorize {$960.00} payment - I was making payments on what I could and have steps in motion to pay off in XXXX, but they will not work with me in any way. They tell me tough luck today We don't know what we will do about mortgage payment now, we are in very stressed position because of this.
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (FL)

Ford Motor credit reported that I was 30 to 59 days late ( in XXXX of XXXX ) with payment of a new vehicle lease opened on XX/XX/XXXX, XXXX. 
Ford Motor Credit failed to send me an Invoice statement for the months of XXXX & XX/XX/XXXX. ( I did not think it was unusual to not receive the invoices as, the last 2 leases I had with them were opened on XX/XX/XXXX and were invoiced until XX/XX/XXXX ). 
When Ford Motor Credit finally did contact me ( on XX/XX/XXXX XXXX, I made both XXXX and XX/XX/XXXX payment that day. 
Additionally, Ford Motor Credit has reported that I would not give my address and has reported a false phone for me.
Consumer complaint received 2018-07-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

So far, they keep calling me without any answer, when you call back it goes to XXXX XXXX saying i owe them money **secure** ( i have 2 credit cards and neither are in financial trouble and are well maintained and as far as im aware my idenity is still secure. ) **secure** The person on the phone then says they need my address, im not giving my address to them i respond, they say ok, place of employment, again not giving that out, ok then you NEED to give us your social security number or were going to call the police and bring you to court on counts of fraud. I took their bluff and said your violation a government agreement, he simply started yelling that with your outstanding debts your rights are going to be revoked if i do not get this information. I promptly hung up after the conversation and im still not arrested, so far they called me twice.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX AND AOriginal creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX representative came to my house and sold me a vision security contract. 
Their representative wrote on the contract that I would get1. Lower rate than my current provider2. One month free3. XXXX ( {$50.00} ) referral for my neighbor ( see attached ) When I did not get them, I faxed a desire to cancel ( see attached ) Complained to the BBB XXXX see attached ) Never were reimbursed for overlapping fees for XXXX security companies, as they advised the BBBComplained to the State of Utah XXXX see attached ) They never cancelled the contract and still holds me for the debt of the contract as if I had not paid for the entire XXXX year term!
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (NY)

on XX/XX/XXXX i contacted companies about credit inquires on my credit report. I was advised by each company that i would need to work with the credit agencies to have inquiries removed since the information was not in the companies systems. I uploaded a credit inquiry dispute on XX/XX/XXXX to experian, called on XX/XX/XXXX to inquire when they should start working on the dispute and was told by XX/XX/XXXX at the latest. I called back on XX/XX/XXXX to find out the status and was advised that i would need to submit an FTC complaint in order for experian to dispute my inquires. Experian has continuously tried to not investigate my credit inquiries although i have done everything they have instructed me to do.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I ordered some outfits online paying with my PayPal credit account when I received items from XXXX the items where to small inappropriately to small nd not true to size I contacted company with just a general email asking me for photos with items on to prove they dont fit I responded it was not appropriate to send half XXXX photos since nothing fit I then disputed it with paypal they denied all my claim saying they fit but how do they know it's my body nd the lady at paypal told me to prove it then I tried telling here again they are dresses where my XXXX and XXXX are hanging out nd I didnt feel comfortable going outside in them why would i send people half XXXX photos over seas she didnt know just to say nd refused to transfer me to a manager
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have written to Portfolio Recover on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.
Consumer complaint received 2018-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Last year I filled a complaint about a loan Navient is trying to make me pay. Complaint File number XXXX. In the response I received from Navient they reference paperwork attached to the response that is not there. I have no idea what consolidation Navient is taking about. I never signed anything but my deceased ex husband alway ALWAYS signed my name on anything he wanted to. This is fraudulent and I want my name and social security number taken off this loan please. 

I never attended college. I did go to beauty school in 1986. Thats 32 years ago. My small loan was paid off. Any consolidation is from my ex husbands loans from XXXX University. Im not responsible. In my first complaint I attached copies of the judges orderes releaseing me from XXXX XXXX debt. 

Again any signatures with my name were not signed my me but FORGED from my ex-husband.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

on XX/XX/XXXXI purchased an item from Amazon.com for {$79.00} with differed interest for payment within six months.
<P/>
on XX/XX/XXXX I purchased an item from Amazon.com for {$79.00} with deferred interest with payment within six months.
<P/>
on XX/XX/XXXX, I purchased an item from Amazon.com for {$420.00} with deferred interest with payment within six months.
<P/>
On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was not charged any interest charges, even though I had the two different charges with deffered interest for payment within six months. I paid them {$7.00} on XX/XX/XXXX. My previous balance was {$7.00}, my payment was {$7.00} and purchases/debits was {$230.00}.
<P/>
On my statement from Synchrony Bank/Amazon, which has the closing date XX/XX/XXXX, Synchrony Bank/Amazon charged me {$1.00} in " interest charges, '' even though I made a payment of {$77.00} on JXX/XX/XXXX. My previous balance was {$230.00} ; purchases/debits were {$600.00} and my new balance became {$760.00}.
<P/>
On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was charged {$1.00} in " interest charges, '' even though I paid {$64.00} on XX/XX/XXXX My previous balance was {$610.00} ; purchases/debits were {$21.00} and my new balance became {$570.00}.
<P/>
This is not the first time I have purchased an item with differed interest from Amazon.com and have been charged interest fees. In XX/XX/XXXX, I had a refund for the ( less than {$2.00} ) interest fees from that purchase. I can produce paperwork in the future.
<P/>
I am so tired of calling them to refund XXXX dollar here and there. It is so ridiculous and when I call customer service at XXXX, they tell me I can allocate my payment through their website. I am not a person that will ever trust Amazon.com to house my payment information. They have been hacked before and probably will be again. I want to pay them from my secure credit union 's online payment center and NOT call them every time I receive a statement! My other accounts, like XXXX XXXX and Lowe 's do not have problems doing this allocation ( although XXXX XXXX used to years ago ). Please HELP all the customers of Amazon.com with Synchrony Bank accounts who believe that they can purchase something with deferred interest! Thank you!
Consumer complaint received 2021-02-21
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: 4M Collections, LLC (OR)

There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. SOLVERITY ( Opened XX/XX/2017). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Money was stolen from bank account from an unknown merchant in Texas. I called to dispute the claim on the phone, got done with it and they said they would contact me. They denied it saying I did make the purchase but I live in California so that's impossible.
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC (IL)

Hi, Over a year ago I gave birth to my son and paid in FULL all hospital bills. However, they have continuously called me over the past year trying to collect money from a bill that was already paid. Despite the fact I have sent several times proof of payment to the hospital they continue to call me and now they hired a collector. I would obviously pay if I actually owed the money but this isn't the case. This is bringing a lot of stress and could possibly hurt my credit. 

I'm attaching the hospital bill + a copy of my bank statement were you can see that the payment was made + the letter I received from the collection agency. 

I hope you can help me with my problem. Have a wonderful day! 

XXXX XXXX, XXXX
Consumer complaint received 2018-07-03
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I wrote to Experian to dispute an inaccurate entry on my credit report in regards to XXXX capital XXXX credit card accounts. My credit report showed that I was late on my XXXX XXXX XXXX XXXX accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/2016 XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, XXXX XXXX, and Experian, both my XXXX XXXX accounts still showed me as being late on the dates listed above.
Consumer complaint received 2020-08-22
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. (GA)

To whom it may concern, I have filed several on line disputes with XXXX, Equifax and XXXX about a collector called XXXX XXXX XXXX. The account is not my account, and have requested that this information be removed on XX/XX/2020, XX/XX/2020 & XX/XX/2020 and on all times the agencies listed above did not respond correctly.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TX)

This is a mobile home lender 21st Mortgage Corporation. I called for a payoff amount XX/XX/2020, The amount I was told was {$1800.00} I paid the {$800.00} then at the end of the month I paid the {$1000.00} believing I owed a balance of less than {$25.00}. I asked at the time I made the {$1000.00} payment about my insurance policy as I had it escrowed with the mortgage lender as well as taxes for the house. I was told the policy was paid for, would not be due until next year. I never signed an agreement for escrow, but asked if they would escrow for taxes and later for insurance which should have covered these expenses. 

They now say I owe {$850.00} on my house for it to be paid off. When I called I was told it was insurance, Paid After I sent the {$1800.00} so they ADDED it to my house note. I don't have to have insurance. Can they charge me interest on my house if this is not part of the contract? Why isn't the escrow a separate bill and account held for specific purposed and accounted for as escrow and not part of my house? What can I do to get my house free and clear? Since it is a mobile home they can repossess without foreclosure proceedings. Do I need an attorney?
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I called bank of America on XX/XX/2018 in regards to purchases made from XXXX that I never received in the mail. I order these purchases in XXXX and XXXX and now BANK OF AMERICA is mentioning that it will take 6 months to get my money bank and also I asked how to submit my evidence and they did not give me any information.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (AZ)

On XX/XX/2018 my prepaid debit card, issued by Direct Express for my Social Benefit checks to be deposited into, was stolen while I was on vacation. On XX/XX/2018 I called Direct Express and notified them of the theft. The card was cancelled on that day. On XX/XX/2018 I received a Questionnaire of Fraud from Direct Express, which I filled out claiming {$17000.00} in fraudulent charges on my card and I mailed it back the next day.. I  was credited {$5100.00}. I have called Direct Express numerous times to get the remainder back but they will not return my calls or follow through. Comerica Bank, which processes the transactions, will not help. I called them and they said to call Direct Express. I called them again on XX/XX/2018 and the person at the Fraud Department said he could not talk to me and transferred to a Level 2 line, where no one ever answer the phone, per usual.
Consumer complaint received 2017-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AZ)

I was in the process of disputing a debt with a debt collector AFINI. AFNI XXXX XXXX XXXX XXXX, IL XXXX RE : XXXX / {$170.00} - I sent them a request via certified mail on XX/XX/XXXX to validate the debt. - They were unable to provide any documentation or proof that the debt was indeed mine. - I followed up via mail again with " failure to respond '' and received no response from them. - I sent them one more letter via certified email on XX/XX/XXXX as they were not following the stipulations of the law and requested they remove this debt. It is not mine and they are unable to provide me with any documentation or proof to show otherwise. During this dispute process I can only assume that AFINI ( unable to provide proof of the debt ) sold it to a new debt company to cut their losses. This new company ( XXXX XXXX XXXX, XXXX ) has now started to reach out to me. This is unprofessional and an inconvenience to me. While working on trying to resolve this with AFINI they have inconvenienced me even further. Instead of doing their due diligence they just passed it on to someone new. I will now have to start the dispute process all over again with this new company.