davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO. (GA)

I would like to share with your organization a post that I made on my social media accounts. It seems not everyone of a small business is getting the help that they need. For example, I was told by my bank JP Morgan Chase that I qualify for the XXXX XXXX program, but because I did not have a XXXX XXXX XXXX bank account, I am unable to obtain the funds. I know many XXXX XXXX XXXX who pay themselves via 1099 from their corporate business account. I do not understand why having a separate business account as a sole proprietor is relative to the COVOID19 Disaster Relief program under the CARES, Act. It appears to me that this is a way to single out small business owners such as myself and exclude me and others from receiving the assistance the government intended to be accessible. I feel it is unfair, unjust, and discriminative against all small businesses affected by the this. Please advise the reasoning for this. 

Social Media Post Below : If you are a small business owner and you bank with JPMorganChase, they are refusing to qualify you for the XXXX XXXX program as a 1099 XXXX XXXX issued from your Corporation business bank account funds. You must have a " XXXX XXXX XXXX bank account '', in which the XXXX XXXX XXXX bank account had to have been established prior to XX/XX/2020. Since when is it REQUIRED to have a business bank account under your social security number? This is clearly a process of elimination. As a certified XXXX XXXX XXXX, a certified XXXX XXXX XXXX XXXX  and a certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am disgusted with the " GIANT '' bank JPMorganChase taking the Disaster Relief program under the CARES, Act as an opportunity to discriminate against some small business owners and independent contractors such as myself. XXXX XXXXXXXX   XXXX Many independent contractors of small businesses and small corporations will be left out, while the mid-sized and large businesses get the Disaster Relief that they need. It is called the XXXX, XXXX, but is it truly caring? XXXX please ensure your partnering lenders are not taking advantage of COVOID19 under the CARES, Act to meet their own agenda. JPMorganChase vs potentialclassactionlawsuit Please note : I have asked from an exception to be made already. I spoke to XXXX XXXX XXXX, Vice President, Business Banking Area Manager of Chase located at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, GA XXXX T : XXXX ; XXXX ; XXXX ; Email : XXXX. He declined my exception request and simply stated it was nothing that he could do to further assist me with the XXXX loan program. He took it upon himself to say " business owners issue themselves 1099 's to avoid paying XXXX and social security taxes ''. Which is untrue by the way, at least in my case. Some of simply can't afford to just yet. I feel this a from of discrimination and I am highly offended.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

My accounts with :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX  were paid in full at  XXXX   XXXX  and are not a valid collections account, you will find the receipt of payment attached.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NV)

I submitted an application for  XXXX  discharge with Nelnet. I have been calling them for the last 3 months, and nothing has moved on my application. I have been told that my application has been archived and has to be rebuilt. I do not believe this. I believe that  Nelnet  is purposely delaying my application because it has merit.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

I filed for student loan forgiveness in  XXXX  and final approval for it was on  XXXX   XXXX ,  XXXX .I got letters from t he U.S. Treasury that  they were going to start taking money out of my  XXXX   XXXX  check in  XXXX    XXXX  . I called and spoke to Navient and  XXXX   XXXX   XXXX  also about it and kept getting the run around. I told both of them that I had letters from them stating all was cleared, kept getting well when  XXXX  sends a letter stating all is forgiving we will stop taking money from you. Then I get hold of  XXXX  and they say the opposite of what Navient told me. So I got money taken out in  XXXX  of this month and again they are taking money out this month.   I called and spoke to a lady at Navient yesterday and was on the phone for over 45 mins and kept getting put on hold. She said one second please and it was more the a second, I hate it when people saids that. So finally she comes back on the phone and said we are updating your information just now and call back tomorrow. Same ole story on hold from  XXXX  and then get yes you were approved and it was just up dated yesterday. There is a process for a refund going on right now, and it will take up to 30 days for th e Dept of Treasu ry to stop taking money once we send it to them. I wish that both of them could get in serious trouble and fined and the people they are  XXXX  gets quadtriple the money back they took. And that they will continue to take money out until then.
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I 've recently uploaded my bicycle up for sale on XXXX. XXXX who was very interested in purchasing the item have sent me the cheque that was more than the value of the item, and have asked me to send the remainder to XXXX who XXXX claimed was his delivery guy. I deposited the cheque and waited 4 days for the cheque to clear. Once the cheque was cleared and became available in my account, I 've proceeded to wire-transferring the remainder of the amount to XXXX. The day after i 've wire transferred the money, the initial cheque that was cleared was now returned and I had deficit balance of - {$2000.00} in my checking account. I called Chase ( my bank ) to ask about what happend, and they 've explained that the cheque was cleared early for my convenience, which i never asked for, and then was later returned since cheque was not valid. On top of this I was charged for the returned cheque, which was cleared by the bank without checking its validity. This is unacceptable that such huge financial organization would defer their responsibility on customer.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

no contract with XXXX as this account was sold to action financial services. I contact the bureau and the responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home.
Consumer complaint received 2017-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (GA)

Credit Management is attempting to collect a debt I do n't owe to them. I never established a contract with this company at all, furthermore they are in direct violation of the FCRA Law, by placing negative tradeline to all XXXX of credit reports which is a complete slander to my name.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

Who is monitoring how they decide on our credit rating? I do not understand how I can get denied for numerous car loans because of hard credit checks ( per equifax agent ) which where from the car loan inquiries. How can they be allowed to destroy a persons credit without being regulated. My boyfriend has a better credit rating and he filed bankruptcy a few years ago and all I have is XXXX medical bills that I am paying on in collections and I have a credit account in excellent standing. How does that make me a risk for a car loan? Seems to me the credit industry is in there pocket. Maybe they intentionally give us low scores so the credit industry can hike our interest percentage. The worse your credit the higher they can hike your percentage. See attached credit report from XXXX and tell me how I am a risk for a car loan?
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I have been trying to remove a credit freeze and fraud alert from my Equifax credit file for over a month but Equifax refuses to remove them. 
On XX/XX/2017 I tried to unfreeze my credit through the Equifax website and received an error. A few days later I was notified that a fraud alert was placed on my credit reports, but I never requested a fraud alert. I attempted to mail my unfreeze request and made sure to include several pieces of identification including my driver 's license as well as a credit card number they could bill me for the unfreeze fee. On XX/XX/2017 Equifax responded stating they were unable to verify my identity and I wrote back and included a copy of my valid Florida driver 's license and social security card, both of which were shown on their list of acceptable documentation. Today I received another letter dated XX/XX/2017 that states again they are unable to verify my identity. You will find attached several pieces of documentation from Equifax as well as my Equifax unfreeze PIN. I do not feel comfortable uploading my ID documents but will gladly mail, fax, or email them directly to Equifax upon request.
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synovus Bank (TX)

I had a collection beacuse I have not paid to Fisrt Porgress and They pass the account to  XXXX   XXXX   XXXX   XXXX . I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  ,2017 Afte r paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the lette r from First Progress, whic h is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost four times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   Help
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DE)

There is a judgement from XXXX on my credit file. I never had a collection with XXXX. I contacted the civil court XXXX and provided the court docket number on the file. They had no record of the item. I disputed this with Equifax and it remains on my file. There may have been some name similarity that put this on my file ... .but if the court does n't have it, how did it stay on the file after I disputed it?
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I applied and received a loan modification from Chase through the Chase Home Affordable Modification Agreement ( CHAMP ). Facing the threat of foreclosure, and being several months behind in mortgage, I hastily sign the documents. Not knowingly, that CHAMP was a fraud and involved predatory lending. 
I was experiencing some financial hardship, so turned to Chase hoping to save my home. So they offered me CHAMP. The Modification as XX/XX/XXXX, had Maturity Dare : XX/XX/XXXX. The new principal balance of my Note was {$290000.00}. The Interest Bearing Principal Balance re-amortize over 480 months with a Maturity Date of XXXX ( a Balloon Payment ). The New Principal Balance rate of XXXX annually. Monthly payments of principal and interest in the amount of {$2000.00} which amortize the New Principal Balance to the remaining Ballon Payment over a period of 310 months. The Maturity Date will be XXXX XXXX. 
I am a 24 year XXXX veteran and Chase never offered me to refinance with a veteran loan. I have written 3 letters to Chase to resolve this issue to no avail.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (NE)

After calling and confirming that Barclays was waving fees for military members, I applied and was approved for the Luxury Gold Card. Shortly after I recieved a statement from Barclay 's confirming my annual fee would be waived along with a reduction in my apr to 0 %. One year later, Barclay 's has come out saying this will no longer be the case, and that I will be responsible for the annual fee of the card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implications only after being told that the conditions would remain the same " as long as I remained on   XXXX   XXXX  . '' I have been and will continue to be on   XXXX   XXXX   for the foreseeable future. As I am continuing to meet my obligation under the original terms, I would ask that Barclay 's honor their original agreement with me.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NV)

This is a response to the complaint that was submitted  XXXX   XXXX ,   XXXX   regarding Nationstar Mortgage. Their response to my complaint #  XXXX  is false. My attorney was disbarred and they know this. According to Nationstar, their records indicate I am being represented by an attorney. That is wrong. They make up excuses to avoid dealing with the issues. This causes barriers when trying to get to the truth. Nationstar foreclosed on my house knowing I was trying to avoid foreclosure. To tell me it is too late to process a short sale is unacceptable. The foreclosure was fraudulent. I would like a full investigation into the decisions Nationstar made during my quest for a loan modification and finally a short sale. The fact that an offer for {$400000.00} to purchase my home through a short sale and Nationstar forecloses and then lists the house at {$370000.00} is again unacceptable. This was an act of greed and down right corrupt.
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MA)

The private student loan accounts from Navient all showed closed in 2016 and now they are all showing that they are open again and my cosigner is now listed as a joint account hold instead of cosigner. I contacted Navient about not being able to make payments because of hardship and even after doing a financial statement showing a negative income after all my bills they still wont put my loans into forebarance.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

My XXXX student Loan was bought by Pioneer Recovery. They did not call, send a letter, or notify me in anyway that they would start garnishing my checks. My HR dept. at work notified me that my check would be short due to garnishment. I called and they told me that I would have to get information from the Dept of Education on what loan they are garnishing for. Now that they are garnishing they keep harassing me to sign up for their repayment program.
Consumer complaint received 2017-04-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I currently have a private student loan cosigned by my sister. I called navient to find out the process for removing my sister from the loan as her finances were making it difficult for me to get a lower payment plan. They advised me that I would have to make ontime payments for two years to remove her name from the loans. I did so, after two years I called navient to have my sister removed they advised me that due to my credit score I was denied. I was not advised that my credit score impacted the removal of my cosigner. So her name remains on the loan making my payment rates to navient higher and impacting my sister 's ability to refinance her home at a lower interest rate.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CARS Acquisition, LLC (GA)

I bought a XXXX from XXXX XXXX of XXXX. I soon learned it was a lemon.I 'm aware of Georgia 's lemon laws, but I can not and will not sit back and let both XXXX and Car Financial Services rob me and countless others. If you take a look on XXXX XXXX page, you will see numerous complaints about the vehicles they sale and the owners criminal history of robbing and lying to customers. Because of the constant repairs, I was unable to keep up with car payments to Car Financial Services and very high and required full coverage insurance. A lot of times I had to choose between car payment, insurance payments or mechanical fees, when car payments were chose, the vehicle sat inoperable. Out if the almost 2 years of financing the vehicle I drove it maybe 18months. During XXXX the car was running, no where near at its best ( no heat, no AC, overheating, front end axle rattling, water pump going out ) but it got me back and forth to work and it started without a problem. I knew the car was in danger of being repossessed and honestly I was over it, I wanted them to come get it, in which they did on XXXX. I just was recently notified of a payment for {$140.00} that posted to my account with Car Financial Services. After speaking to them I learned the car sold for {$600.00}, well below the fair market value of {$2900.00}, which makes this resale commercially unreasonable. I was also informed of mechanical fees that were charged to me totaling {$230.00}, because the car would not start. The car started up without any issues while still in my possession. It had numerous other issues, but it did start. Therefore I should not have been charge a mechanical fee. They are so corrupt I would not be surprised if they " said '' it didnt start to collect more money from me. I honestly hope the new buyer is aware of all the issues this vehicles has. I was told by XXXX at Car Financial Services that the car was running fine until XXXX. More than a month since the car was no longer in my possession. I also had well over {$1000.00} worth of personal property inside of the vehicle that I have no idea where it 's located. From my understanding, I also should have been informed of the auction site, date and time, in which I was not. To me, these are grounds for me to contest a deficiency judgment. I would rather not get lawyers involved but I will. I was cheated with this vehicle. I put over {$4000.00}, not including repairs and to only have {$140.00} applied to a vehicle that they believe was only worth {$600.00} is an insult. I would like this account with them to be removed from my credit, or I will indeed sue for the remaining balance they say I owe on a {$600.00} vehicle.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NV)

I have had nothing but problems after getting my student loan through Navient Solutions. They have done nothing but mislead me and borderline lie about the options available to me for my student loans. The only reason I had gotten a loan through them in the first place was because, being a first time college student, I could not get a loan for my education without a cosigner and they accepted my mother as a cosigner right away. They told me that they had income based payment plans for after I graduated, forbearance requests, etc. THAT WAS A LIE. Every time I have called to discuss my payment options they told me the only thing they could do was put me on an automated payment schedule. I have repeatedly told them that my problem was NOT paying on time, but that at my current job I could not afford my monthly payments. They refused to even talk about an income based option or ANY other option I have available besides setting me on automatic payments. It was either I pay the full amount, my co-signer pays the full amount, or I default on the loan. The person then had the audacity to ask me if my co-signer had any assets they would give up to pay MY loan! They also would not give me any significant information without my cosigner on the phone even though it was primarily my loan. I have call logs where they have called me 12 times a day starting XXXX even after I have called to talk with them. After going back to school they promised that my payments would go down to the {$25.00} a month as said in my contract. I even called them ahead of starting classes with my program information to make sure that my payments would in fact go down to that amount and they said absolutely. Now they are saying my program does n't qualify! I would have waited or found another program if they were honest with me from the beginning. The company has mislead me and took advantage of my mother and I knowing I was the first child in my family to go to college and take out a student loan. I warn everyone I know that 's going away to school or with kids going to school to stay as far away from Navient as possible!
Consumer complaint received 2021-04-22
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)

THERE ARE 2 INQUIRIES ON MY EQUIFAX REPORT THAT SHOULD NOT BE 1. XXXX XXXX  2. XXXX XXXX XXXX