davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CO)

The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to Experian and 30+ late to XXXX. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I opened a Citigold checking account during a promotion in which they were offering XXXX XXXX miles for opening said account. In order to be eligible for the miles, the account holder had to make {$1000.00} in purchases and complete XXXX bill pays within 60 days of the account opening. I completed the XXXX bill pays, and what I thought was the spending requirement, but after the 60 day window a representative informed me that paying off a credit card did not count towards the spending requirement. However, this representative sent me a letter granting me a 30 day extension to complete this spending requirement ( which I have ). After meeting the spending requirement in the extension time period, I tried in vain for months to collect my miles. I have called in at least XXXX8 times over the past XXXX months, and my case keeps getting rejected due to me not completing the spending requirement in the specified window. I have have multiple reps tell me that I should be eligible for the miles, but then when the review occurs I am rejected time and time again. I can not understand why the extension is not being honored, or why it is consistently overlooked. The review process in general also takes much longer than advertised ( XXXX5 days ).
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am filing this complaint because XXXX ExperianXXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- the are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks you
Consumer complaint received 2016-04-09
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (MI)

I had a mortgage through Chase bank. My home was foreclosed. Now, Chase bank continually harasses me with " mortgage assistance '' help! I have called a nd mailed them several times to stop - they continue. I receive mailings several times a week. This is ridiculous. I do not know what else to do.
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (ME)

I recently submitted a complaint against Synchrony Bank on another XXXX of my credit cards. Unfortunately for me, Synchrony Bank is such a large institution that is attached to ALL of my credit cards, but XXXX. I have been paying on my accounts and have not been late. I have been trying to pay my credit cards to a zero balance. After I submitted a complaint with regard to a couple of my other cards, I most recently received ANOTHER statement from Synchrony with regard to my Walmart Credit Card. I recently owed approximately {$25.00} as a payment on my Walmart Card, my monthly amount due. I paid {$100.00} on my account, because I am trying to get it to a XXXX balance. After I submitted my complaint and payment, Synchrony Bank sent me the attached letter indicating that they were reducing my credit line amount. I recently check my credit reporting status and it is indicating that a portion of my poor credit status is based on the fact that that the amount of my credit lines are maxed out to the amount that I owe. I have been trying and trying to correct that, but each time I make a substantial payment or file a complaint with your agency, I am punished my Synchrony Bank with a lowering of my credit line. I am at a loss. Your agency has not helped me and Synchrony Bank, certainly has not. I thought you were established to protect the consumer. This has certainly not happened in my case. I have been trying my hardest, only to have Synchrony Bank, because they are much larger than me, hurt me, the consumer. I really wish your agency would do something about this! Thank you. As a post script, I DO have a few outstanding medical invoices being reported due to an accident. This accident claim has been settled and these should be removed from my credit shortly. Thank you for any help you can provide me. I am at a loss with Synchrony Bank and really am trying my hardest to increase my credit score. Each time I increase it a little, Synchrony Bank makes it decrease.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/16 I discovered an authorized debit transaction on my checking account. The transaction was an international wire debited from my account on XXXX/XXXX/16. The amount was for {$2500.00} + {$50.00} fee. I never filled out any wire or conducted a wire transaction. 
On XXXX/XXXX/16 I went to my local Chase branch ( Branch Manager XXXX XXXX ) to notify them of the unauthorized transaction. XXXX XXXX researched the transaction and confirmed that I was not the sender of the wire. Since the debit was a bank error, XXXX XXXX refunded NSF fees of {$12.00} on four occasions. This goes to show that it was a bank error. 
For several days thereafter I visited the branch at least three times to speak with XXXX XXXX. On one of the visits XXXX XXXX told me they were trying to locate the beneficiary of the wire in order to refund my money. 
On XXXX/XXXX/16 XXXX XXXX contacted me by phone and informed me that he was going to refund my money + wire fee to me no later than XXXX/XXXX/16 or XXXX/XXXX/16. As of this writing date, XXXX/XXXX/16, no funds have been returned to me. 
It is my understanding this fraudulent transaction is covered under Regulation E and I believe the branch manager - XXXX XXXX - is not complying with the law and is withholding information to my detriment. 
Please assist me to return my money + fee. XXXX XXXX 's reluctance to assist me is a violation of the law ( Regulation E ) and amounts to theft. 
Chase 's negligence has caused me great harm as I have had to live without my money for nearly one month. In addition, I am not receiving clear information from the bank.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (OH)

I paid my full credit card balance to Chase ( Amazon.com Rewards ) card ahead of the due date ( paid electronically through Chase 's own site ), but they did n't process it until after the due date. The next month, I was assessed a {$25.00} fee on {$0.00} interest from the prior payment. 

The {$25.00} fee was forgiven, but not the {$0.00} cents. And then a {$15.00} fee was added - no explanation on that. 

I am told they ca n't do anything about the {$15.00} that I now owe - which I should not owe, as I paid on time to begin with. 

I find this predatory and dishonest. When a consumer pays though Chase 's site, and the payment is n't marked as received when it is paid, the problem resides solely with them.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (TX)

Nelnet has incorrect payment history on my credit report with ALL my past loans that was consolidated. ALL OF THE NEGATIVE information is in my credit report but where there should be positive payment history it is listen as unknown on my credit report. For example XX/XX/XXXX has an unknown payment history instead of positive. Also starting XX/XX/XXXX the late payments start at being behind 90 days instead of 30. I have mailed Nelnet disputes and they replied saying that they do n't have to investigate my dispute. What they 're doing is illegal, FCRA law states that if the report contains all the negative info then it has to contain all the positive info. I 've also disputed with the credit bureaus and it still has n't came back correctly updated. It 's to the point now where I think they do n't have the files anymore. I have asked for proof and requested for an actual paper copy of proof to be mailed to me. The have computer errors that are not being coorected by a human, so I need the CFPB to get involved and actually look at the accounts on my credit report to see how badly the payment history is. I 'm requesting that ALL payment history that Nelnet has on the report to be deleted.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (TX)

XXXX groups of loans were reported, accurately at the time of their reporting, as delinquent for 180+ days to credit reporting bureaus. A deferral was granted subsequent to the reporting which was retroactive and for a date range which included the original delinquencies. The loan servicer ( Nelnet ) refuses to update the past postings to reflect the retroactive deferral. Around XX/XX/XXXX, I initiated disputes with the XXXX major credit bureaus citing the dates of the deferment. Nelnet determined their reporting to be accurate and made no changes. On XX/XX/XXXX, I sent a dispute to Nelnet, in writing, which specifically referenced an interpretation letter by the FTC in which loans what were reported accurately, and then subsequently deferred, were to be updated ( even in cases where the reporting was accurate at the time ) to reflect accurate information ( such as dates for deferrals ). Nelnet informed me on XX/XX/XXXX that they were still unwilling to update their past reporting to the credit agencies regarding the status of my loans. I feel that their unwillingness to update the reporting is in direct conflict with the FTC 's interpretation of the Fair Credit Reporting Act, which charges furnishers of information with providing " updated and accurate information ''.
Consumer complaint received 2017-02-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

I have a tenant that was evicted long story but back rent was ordered to be paid. Left in my mail box was check for XXXX Dollars in the tenants name but endorsed over to me. I was unsure if the check was real. on Wendsday XX/XX/XXXX I went to US Bank XXXX XXXX XXXX XXXX XXXX XXXX for help with this. The teller took a copy of the check and said they would get back to me, they bank never did. I deposited the check in the ATM it was returned. I called customer service who told me to contact branch manager. It took 3 calls ... my calls were never returned in reasonable time finally I called a third time getting a women bank manager.. I did forget to write her name but this was Friday XX/XX/XXXX at XXXX. She told me SHE would not take a third party check. I explained I had no way of contacting my ex tenents but the check was endorsed to me. She was very aloof and did not really seem interested in helping me. I do understand you have to have policies and rules but as my Bank for well over 25 years I feel you should be able to work with your customers and at times make exceptions if you value and want to keep customers or mabe as a huge Bank you do n't care. So I am a single mom XXXX to me is a lot I have no way of cashing this and MY BANK is not willing to help.I feel also that bank manager could use some sensitivity training as stated very aloof and not in my bank ... really her bank? I want the name of a person above her..I am sure it will not help but I strongly feel I should get help with this. Again I do get the policy but lets see if you can work with your long term ... 25 year customers.
Consumer complaint received 2016-06-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

Chase bank withdrew {$1800.00} on XXXX/XXXX/2016 without permission and has been giving me the run around in regards to getting it back to me. The issue stems from a cashier 's check that was drawn on my account and subsequently returned ; however, since they decided to just take the money back out, I am now stranded XXXX miles away from my home, with an overdrawn bank account and bills that need to be paid. They have no legal right to my money and they have no cause to act so slowly. It must be noted that the employees at the branch were extra helpful and went above and beyond in assisting me with this issue, but still could not get it resolved. They were told that I had to resolve the issue.
Consumer complaint received 2016-10-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (IL)

Around XXXX XXXX, 2016, I went into a XXXX dealership to purchase a vehicle. In order to purchase the vehicle, I decided to go with the dealership for my financing. The dealership ran my information through several financial institutions and they informed me that XXXX XXXX provided the best overall rate for financing. Therefore, I decided to go with XXXX XXXX for financing in order to purchase my vehicle. On XXXX XXXX, 2016, I received a letter from JPMorgan Chase Bank , N.A . indicating that my application for vehicle financing with JPMorgan Chase Bank , N.A . was not approved because they do not offer financing to examiners/auditors that may review Chase. After talking XXXX XXXX, who is an examiner at the CFPB, she informed me that I should go forward with my complaint to the agency as Chase appears to be discriminating since I currently work for the U.S. Government at the U.S Securities and Exchange Commission ( " SEC '' ). For one, the SEC does not regulate banks. Additionally, I currently have XXXX bank accounts with Chase and an outstanding credit card balance with them, which I always pay on time. Finally, Chase could be discriminating against other U.S. Government workers such as myself. Therefore, I decided to file this complaint as I am not sure if I could have received a better rate financing through Chase and based on their discriminatory practice.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (LA)

I had a short sale in 2010 I am trying to buy a house and I can not get US bank to get all three credit bureaus to say it was a short sale my loan office telling me in XXXX XXXX it is saying a pre-foreclosures I can not get a XXXX approval that is what she is saying XXXX I have contracted US bank sent faxes had many question been on conference calls over the last month about this I just want they told me they can not do nothing about it they only keep there records for 2 years, I just need help to solved this please I have the cash sale deed
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. Also attempted to contact XXXX, XXXX, and XXXX, and XXXX XXXX. Per the address listed on my credit report and the letter got returned. I sent it to the bureaus, and they ignored it. Please help if you can thank you.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Equifax is reporting a Bankruptcy on my file in which i have no knowledge of. Ive explained this over the phone, fax, and through mail. XXXX does not care at all, I dont believe they are even investigating the situation, all I get is the same generated email, that seems to be sent to everyone.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Willful non-compliance as per FDCPA 807 False or misleading representations 15 USC 1962e. I recently wrote to Experian concerning the reporting and verification of a BKXXXX from the US Court/XXXX Ca. I have firstly contacted the Court, which sent me a letter stating that they do not I repeat do not report any information to any of the XXXX XXXX 's. I also put a security freeze on the XXXX data mining companies that the CB 's use like XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX if you need them. 

I sent Experian a formal notice that their claim was being disputed and I was requesting verification, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " verification '' that is competent evidence bearing my signature, showing that ( I have or ever had ) .Bankruptcy. An Employee looking at their computer screen seeing my name listed in their database is NOT " verification or validation of any Bankruptcy. Verification according to XXXX Law Dictionary is " ... ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also it goes on to say " " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Verification and Confirmation of the correctness, truth, or authenticity of a pleading, account or other paper by an affidavit, oath or deposition XXXX v XXXX XXXX, XXXX, XXXX, XXXX, XXXX. ; and XXXX v XXXX XXXX XXXX and XXXX v. XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX This is my argument concerning Experian verification process : Verification is sworn testimony. It can be testimony in a deposition or in a court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand Knowledge. " A county clerk does not have firsthand knowledge nor does anyone at the county recorder, nor does anyone at the credit bureaus if someone verifies but they does XXXX XXXX, XXXX, XXXX etc. The main public records source for the credit bureaus. If someone verifies but they do n't have firsthand knowledge then its not verification its Hearsay And hearsay is inadmissible and the court says its incompetent. The negative mark found on my credit reports including Experian, XXXX, XXXX So in conclusion if you can not truly validate and verification which they have now legally accomplished they should immediately deleted this from my credit file which has been detrimental to my livelihood and my credit score.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I like to report that I have a Student Loan in deferment and for some reason Experian is dropping my score I have it with XXXX XXXX Student Loan. XXXX XXXX is services my student loans. Their should n't be any reason my credit scores should be going down when they are in deferment. I have not disputed this with Experian because I just say this early this morning. I need to know why are they decreasing my credit score on student loans that are in deferment. Also, this is a XXXX XXXX and no credit decrease should be on the credit report because student loan should n't be reported as a increase or decrease in credit limit. Please pay close attention to the XXXX point drop in my credit score. For student loans that is in deferment.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

I had my report pulled XXXX XXXX, 2015 and discovered some items that were either not mine own personal debt or unverified information. XXXX Acc # XXXX I have been in contact with XXXX XXXX XXXX and I was told that this account was not found in their records.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KY)

The credit bureaus Experian, XXXX, and XXXX are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these 4 XXXX, XXXX, and XXXX accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all XXXX. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : XXXX Credit cards and ID 's pictures sent to all XXXX bureaus, XXXX XXXX XXXX property whose mortgage is paid in full but does n't appear on any credit report, XXXX. Utility bill showing current address, XXXX. ExperianXXXX, and XXXX Credit Reports, Dispute Forms and Dispute Results, XXXX. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.