davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CO)

Complaint is with Chase Bank and online payment page : Web page consistently does not work when additional amounts are entered when making payment. This has occurred over the past several years, resulting in calls to the company to pay by phone and requesting to fix the problem. It appears that Chase is trying to force consumers to ( 1 ) sign up for automatic payments, and/or ( 2 ) make it difficult to pay additional amounts to accumulate additional interest charges that benefit Chase. 
Recent occurrence : XXXX XX/XX/20XXXX XXXX XXXX. I tried several times to pay more than the required minimal amount, but the system would not process the request. The system did accept the entry when it was equal to the required minimal amount. This issue has occurred numerous times over the past several years. I have called Chase on several occasions about this issue and to make payment. In addition, because there were a number of times that the system did not accept any payment, I requested a monthly paper bill as back-up. 
Thank you for consideration on this matter.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

We had been making bi-weekly payments on our mortgage for some time and paying extra towards principal. On XXXX/XXXX/16 and again on XXXX/XXXX/16 they pulled the payment from a different account at the same bank ( not sure how they got that account # ). This resulted in the second payment coming back NSF which alerted me to the problem. I immediately transferred money to this account and contacted Ditech. They claimed that it was impossible for them to get the other account information so it had to be on my end or the banks. The payment did go through the 2nd time it was processed but then Ditech sent me a refund for that payment? I then cancelled the autopay per there instructions and set up and electronic payment for XXXX/XXXX/16 to pay the next payment that was due on XXXX/XXXX/16. On XXXX/XXXX/16 I became aware that they did not apply the money to the payment due on XXXX/XXXX/16 but instead put some towards principal and {$420.00} towards some type of bogus corporate late fee? I called on XXXX/XXXX/16 and talked to XXXX (? ) and she told me that the funds would be reallocated properly and all late fees removed but it would probably take a few days. I have been checking my account every few days and calling every few days and always get someone different XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX that tells me that they can see that it is in for reallocation and that I do n't need to worry, all late fees will be removed when this is done and it will not damage my credit. It is now XXXX/XXXX/16 and it is still not done and my next payment is due on XXXX/XXXX/16. I refuse to send another payment until they straighten out the original payment because they tell me it will go to the past due payment of XXXX/XXXX/16 and I know this will further complicate things.
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation (GA)

On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 


COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PENN CREDIT CORP via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County XXXX XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX XXXX, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MA)

For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across Experian, XXXX, that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all XXXX did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying.
Consumer complaint received 2017-05-31
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: EQUIFAX, INC. (AL)

I NOTICE ON MY CREDIT REPORT   XXXX   XXXX   NEVADA ADDRESS AND I NEVER LIVED IN   XXXX   XXXX   NEVADA. I DO HAVE FAMILY IN   XXXX   XXXX   NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE I SSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL   XXXX    XXXX , EQUIFAX,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    THESE ARE NOT MY DEBT. NEVER LIVED IN   XXXX   XXXX   NEVADA.   PLEASE ASSIST
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (WI)

I 've made almost {$11000.00} in payments since consolidating my loans in XX/XX/XXXX, but my principal balance has n't been reduced. Mysteriously, all of my monthly payments were applied to interest over the last 17 months until last month, when just {$35.00} was applied to principal. <P/>My payment amount has remained the same ; my interest rate has remained the same. Nothing has changed since I began repayments on my loan in XX/XX/XXXX, except having consolidated my loans in XX/XX/XXXX. <P/>I 've gotten no response from Great Lakes Higher Education Corp. in Wisconsin, my student loan servicer, as to why no portion of my payments reduced the principal balance of my loan. I have an extended graduated repayment plan, but a simple amortization schedule calculation indicates my monthly interest payment should have been at most {$30.00} less than my monthly payment amount. This means the servicer has failed to apply principal portions of my payment for all but the last month 's payment. I calculate just more than {$580.00} in principal that has been applied instead to interest, just on my consolidated loan.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MI)

on XX/XX/XXXX Chime closed my account without any notice. After several calls and a different story received with each person I spoke to I was told a check will be mailed to me in 30 days. 

On XX/XX/XXXX, I received two checks-funds from my checking account {$2700.00} and the funds from my savings account {$270.00}.

I deposited the check from my Checking into my new bank account with XXXXXXXX XXXX  on XX/XX/XXXX only for XXXX to call me to tell me that the check was no good. 

After calling Chime I was told that the check were good and to take them to another bank.
Consumer complaint received 2020-04-21
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I paid ditech extra money to set up my mortgage payment on an automatic withdrawal from my savings account. this withdrawal was to take place bi-monthly. Twice now ditech has withdrawn the wrong amount or no money at all. The first time this happened they did not take out any money and assessed a fee. a week later they attempted to take the mortgage payment plus the fee. Not once but three times causing my bank to assess me a XXXX fee for each occurrence. Ditech representatives told me in multiple phone calls that my overdrafts fees would be reimbursed. They never so. This month on the XXXX of XXXX Ditech was again scheduled to take half of my monthly mortgage plus and extra XXXX for the principal. This withdrawal was never made and a XXXX fee was assessed for non-payment. After numerous phone calls over a period of days I was promised that this situation would be resolved and the non-payment fee removed from my account. Friday the XXXX of this month I received what amounted to a collection notice from Ditech for non-payment and an addition XXXX in fees had been assessed for non-payment. Thus far I have made several attempts with Ditech representatives to resolve this ongoing situation. Every supervisor I have talked to has said that they would make a 'Request ' to their supervisor to get this situation resolved. Thus far nothing has happened and I am now in fear that Ditech maybe trying to set me up for a foreclosure. My wife and I have good credit. We pay extra on the loan balance in order to pay the loan off in a shorter amount of time. and we have never missed a payment. the fact that Ditech is assessing non-payment fees and sending me collection notices after their own refusal to take the money out of my account as they have done so for many months in the past is fraud
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Recovery One, LLC (OH)

I entered into a payment plan of XXXX payments. Upon making the second payment, the company ( XXXX XXXX XXXX located in XXXX, OH ) with malice intent to defraud me, placed the account into collections in an effort to collect the debt again. I spoke with a representative from the collection agency ( Recovery One XXXX XXXX XXXX XXXX ) and told them this account was paid in full on XXXX/XXXX/2016 and to check with their client. I have since received XXXX phone calls and a mailing date XXXX/XXXX/16 from the collection agent demanding payment for this account. XXXX acknowledged receipt of my payment, however they continue to refuse to remove the account from collections despite this account being paid in full. XXXX has an F rating with the XXXX Ohio. In reading other people 's complaints, it appears this company willfully attempts to defraud others as well.
Consumer complaint received 2021-11-26
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: EQUIFAX, INC. (FL)

As of XX/XX/XXXX Equifax reports a hard inquiry from XXXX XXXX. This is unauthorized. I have not sought out credit or even been to a XXXX store. I am very concerned about possible identity theft and will check into freezing my credit. I want this inquiry removed as it has lowered my score.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (FL)

I applied for credit with Best Buy ( Citi Bank ) online. I was approved the same date and made a purchase on the Bestbuy.com website for approximately {$3900.00} The motivation for using their credit card was 10 % cash back offer. I received purchase confirmation from the store and the balance appeared on the credit card web login page. I paid the amount in full via electronic payment from my bank. XXXX days later I received a notice from the store stating the purchase was cancelled due to the payment being withdrawn. I contacted Bestbuy credit ( Citibank ) who advised me they had a fraud alert on the account. I provided all my personal information to them. They stated their practice is to cross reference a public record from a cell phone account to verify my identity ( something that was not done to approve the new account ). I only have a pay as you go-no contract phone so they could not confirm my identity via their normal methods. I requested the account to be closed and the {$3900.00} I paid to be refunded to the account it was paid from. They said since they could not confirm that I was who I said I was they would not process my request. Now I have no product and I do not have the {$3900.00} I paid to them and they refuse to refund my account.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (CO)

I transferred a balance in XXXX XXXX to Discover Card services with a promotional 0 % interest rate until XXXX XXXX. The card also gave me a 0 % interest on new purchases until XXXX XXXX. In my agreement it stated that all payments would be applied with the majority going to the promotion that had the higher interest rate or in the case that was the same the one that would expire first. They instead applied the majority of my payments to the balance transfer that is not due until XXXX XXXX paying it almost in full while the purchases have accrued to more than what the original balance transfer was. I have statements from the CC company showing this and my original agreement. Instead of my payments being equally distributed or majority going to the new purchases as described by Discover, they have forced me to either pay off the new purchases in the amount of $ XXXX by XXXX XXXX, XXXX and leave the original balance transfer that was under {$1300.00} that they have paid down to $ XXXX and was n't even due until XXXX XXXX. Very unethical practice to force me to pay 25 % interest on something I was paying on monthly so I would not have a large balance to pay off in XXXX XXXX. I find this practice deceiving and verging on deceitful to change a 0 % interest into 25 % interest. BEWARE of Discover!
Consumer complaint received 2015-06-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation (FL)

XXXX store # XXXX in XXXX, try paid with personal check, got decline bi TELECHECK COMPAY. I have money in bank. Called TeleCheck company ask what go on? answer because never pay with check the system take action. ( negative? ) -because try to use it pay via check? ( not fear )
Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (MA)

I XXXX XXXX is showing an account with Westlake Financial Services that went into default back in XXXX. The account states that it will be removed in XXXX XXXX, which essentially means that the item initially went into default XXXX XXXX. I believe that the timeline has been moved forward, and that the item should be removed immediately and permanently. The credit trade line for enforcement has passed and the timeline for it being maintained has surpassed the 7-year rule of the Fair Credit Reporting Act. Accordingly, this account should be deleted with all perspective credit reporting agencies.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

My step daughter XXXX had XXXX loans in default, and XXXX not in default that I was a co-signer on. We were contacted by someone who claimed to be from Navient, someone named XXXX, but whom I have heard recently was with a 3rd party. About 13 months ago, we negotiated a settlement for all XXXX loans and sent a check to Navient. We were assured REPEATEDLY that the settlement would be for all XXXX loans. When we received documentation, only XXXX loans were listed. Over the past 4 months, Navient has basically been harassing me for payment of the XXXX loan, the one I was co-signer on! XXXX flat out LIED to us REPEATEDLY, engendering us to send a check. And knowing full well that we may have the means to pay AGAIN for the XXXX loan, cheated us by leaving the XXXX loan off the agreement that I was co-signer on! These people are thieves and belong in PRISON! They have been calling me 4-5 times a day for the past few months. I have told them full well that I will never give them another NICKEL! I would be pleased to make special effort, including travel, testifying etc., to join a class action law suit. Please let me know. My name is XXXX and I can be reached at XXXX
Consumer complaint received 2020-08-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial disupte was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

I refinanced my mortgage with BSI Financial and they keep adding additional cost added to my bill that BSI financial wo n't explain what they are. I was told that my attorney would explain it to me. I have called on different occasions. I have been told different excuses but no explanation. This is the fourth time I have experienced this. What are they doing " Loan sharking '' thinking folks are XXXX or are they trying to bring on a late platform to keep reporting late payments so you ca n't rid yourself of them by refinancing? They are constantly reporting my payments as late since this refinance has taking place. The additional fees are giving them the opportunity to do this.
Consumer complaint received 2015-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

My mortgage was transferred from XXXX to JPMorganChase beginning XX/XX/2015. When I went to pay Chase, I did not have an account number. I contacted phone number given and was told to pay to XXXX as transfer was n't set up yet. I paid XX/XX/XXXX payment to XXXX. I received account number and paid XX/XX/XXXX payment to Chase. Chase returned payment. I called and automated message said my first payment was due XX/XX/XXXX. By not accepting my payment Chase has increased my interest. I was concerned that no payment XX/XX/XXXX would effect my credit so I checked my credit report and learned that I was shown as owing mortgage amount to both XXXX and Chase -- doubling my debt. Details for XXXX did not include my XX/XX/XXXX payment.