davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DailyPay, Inc (NC)

My name is XXXX XXXX on XX/XX/2024 I submitted a complaint to you guys when I did DailyPay blocked my telephone number which is XXXX XXXX XXXX so I can't call there customer service support from my number they banned me from DailyPay they submitted a transfer on XX/XX/2024 on my behalf without my permission I don't have access to paycheck stubs or statements and DailyPay refuses to pay me my remainder pay iam going to file a complaint with the XXXX  XXXX board iam going to have to quit my job so DailyPay  want take all of my money DailyPay will not give me the money owed I didn't owe dailypay anything from paycheck XX/XX/2024 because DailyPay blocked denying me access to my DailyPay account I want my money I worked for DailyPay didn't even let me know anything about my money I contacted my hr payroll dept XXXX they stated that dailypay has control of my paycheck they will not give me my money I worked for please contact them and make them release my remainder pay
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

On XX/XX/2024, I mailed a first class letter to request the names, phone numbers, address and all other documents that were used to verify the accounts on my credit report that were recently investigated. By law, Experian is required to send this information within 15 days after completion of their investigation. Experian received my request on XX/XX/2024 per USPS tracking system. They refuse to send me this information. They are in violation of my rights as a consumer.
Consumer complaint received 2017-01-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Schreiber Law LLC (ME)

I am attaching the documents I received today from Schreiber/Cohen LLC on behalf of XXXX XXXX XXXX XXXX. The documents were very poor quality photocopies. Parts of the documents were blacked out and the envelope was hand written. I have no idea if this is legitimate. I have NO problem working out a payment plan with a creditor if it is legitimate but this looks questionable.
Consumer complaint received 2024-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I submitted my income based repayment plan in XX/XX/XXXX. It was approved by studentaid.gov shortly after. I also submitted an application with MOHELA in XX/XX/XXXX. I have been on administrative forbearance this whole time ( now XX/XX/XXXX ) and they still have not processed by application. Processing of this application should take a maximum of 30 days. It has now been almost 180 days. I keep calling MOHELA and I keep getting told the application will be processed in 5-10 business days and it is never processed. As of XX/XX/XXXX, I was told that there is an error message on my account which has locked staff out. I was told it would take 5-10 BUSINESS DAYS TO UNLOCK MY ACCOUNT. Then another 5-10 business days to process the application. I was told they can only put me on forbearance again until XX/XX/XXXX. After that I am expected to pay over {$1200.00} per month on the level plan despite this being almost 30 % of my income. I am a XXXX XXXX who lives in a high cost of living state. I CAN NOT afford this. No one at MOHELA can provide me consistent information. I can not let this loan default due to their gross negligence. Someone needs to hold MOHELA accountable.
Consumer complaint received 2024-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

I have been trying to submit XXXX Deferment forms to Mohela for years. As mentioned I am in treatment for XXXX XXXXXXXX. I have submitted XXXX deferment forms since XXXX of XXXX. Mohela says they accept the forms online, but then it isn't connected to their billing department or something. Mohela refuses to schedule a meeting with me, despite me making clear that I am unable to just answer the phone when they call because of treatment or knowing I can't devote over an hour of time at that moment to meeting with them. I find calling them to be traumatic. Each time, I end up with a random customer service agent who has to come up to speed on the situation ( 45 min ), I'm on the phone for an hour+, and no one explains what's happening or WHY I'm having trouble. The agents says " someone will call you, '' but when I say that options doesn't work for me, can we schedule a time over phone or email, they say Mohela doesn't do that. The agents ( now 5+ at least ) can't resolve the issue or have someone schedule a meeting with me ( for example XX/XX/XXXX XXXX or XX/XX/XXXX XXXX ). Agents I speak with are frustrated on my behalf because they can see in the system ( as can I ) that the forms are listed as received and approved ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but I'm still being billed and reported to credit as delinquent. The agents even describe the whole situation as odd because it is like the forms acceptance, despite taking months to approve, and the billing/delinquent system aren't communicating, yet no one on Mohela 's end is figuring it out. There are no letters stating " this is what isn't working with your form, '' just you're delinquent and being reported. 

In the meantime, they have reported to my credit ( 120 days ). It's my only negative report. 

I lodged a formal complaint with them ( XX/XX/XXXX ), and only response I received ( was to send me the same forms again without any clarification of what didn't qualify on the previous forms or why they had been accepted but not applied. In summary ( response attached ) from XX/XX/XXXX : " Our records indicate the date indicated on your deferment form request ended treatment on XX/XX/XXXX and would only be applicable for another 6 months. '' No acknowledgement of my conversations with staff in XXXX or XX/XX/XXXX when said it hadn't been processed, the accumulated delinquency, credit reporting XX/XX/XXXX- XX/XX/XXXX, when I should have been on either the XXXX deferment or the federal COVID forbearance. 

Mohela didn't apply the COVID relief forbearance appropriately in my case either. It was suppose to be in effect until XX/XX/XXXX. Note that all of this was being reported and happening PRIOR, and the agent told me I had to specifically request that COVID forbearance. 

I'm not sure if I should include all the forms as they have personal information, but I am more than willing to give you anything you need.
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (PA)

I had a problem paying my car payment on the Chime app. and I wasnt able to do so. I called a number that said it was Chime. The person answered said welcome to Chime and gave me instructions to send money to the manager and he would update my account. However he used the words my manager will update you account. I didnt realize what was happening, what I was actually doing. I sent the update to a chime Id. I called back and they kept hanging up on me when I requested my money. I then went back to the internet. I saw that the number I called was from a sponsor and it said chime but it wasnt Chime. I called Chime they said I couldnt file a dispute because I authorized the transaction. Later I called Chime again. They allowed me to put the dispute through and denied my dispute. Chime would not allow me to report this transaction to the Chime fraud department. This was fraud. Someone posed as a chime employee tricked me out of my money. I looked for the fraudulent number on the Internet again and it was no where to be found. The number was gone as was the sponsers name. Also the only number thats showing on the Internet is the correct number for Chime everything else has disappeared! I would like help with this matter. 
XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit 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: WELLS FARGO & COMPANY (FL)

XX/XX/23 signed up to take XXXX XXXX XXXX trip to XXXX. 
XX/XX/XXXX, we were told orally trip was cancelled. 
I started a chargeback on my credit card. 
Requested refund multiple times. 
XXXX filed travel insurance claim. 
XXXX XXXX said they sent check. 
Sent a merchant complaint about XXXX XXXX to XXXX for " taking '' XXXX  but defrauding their merchant agreement. 
Not received, and wrong amount. 
I want FULL credit
Consumer complaint received 2018-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked Transunion to fix these issues and i have sent copies of cease the reporting of these inquirese as soon as possible on my credit file. Also new ones have been added recently that do not recognize and i have asked to be removed. I have not been credit shopping fpr new credit in the last 4 years for new credit.
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (FL)

National Credit systems has not provided me with any copies of any contracts or agreements that have my signature on it that proves that i owe the amount of debt to them in which they are reporting to credit agencies electronically and according to credit agencies National credit systems do not have to provide the them with any documents supporting there claim
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (GA)

Mohela has finally updated me to the Extended Level Plan, BUT the monthly payment is incorrect! Right now they are saying I must pay {$300.00} per month for XXXX payments. They told me before it was just $ XXXX on the XXXX XXXX XXXX. I called back and they are telling me {$300.00} is correct and that {$240.00} was just an estimation. However, I took the interest rate of each loan ( XXXX loans total ) and calculated it myself, and I used the XXXX XXXX XXXX on Mohela 's own website. It is showing me that my total monthly payment across all XXXX loans should be $ XXXX over XXXX payments, not $ XXXX!
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I am a student loan holder in the state of Tennessee. I have always been current with my loans. 
The service loan provider MOHELA are not able to process payments on-time. Rather they decline on-time payments and only accept late payments. I have tried to make payments and they simply decline them and push me to delinquent. I believe this is a scam they are using to tell the media all student loan borrowers are delinquent. I have the money, I use the same information with both attempts to pay but only the past-due one goes through. 

They are purposefully mismanaging on-time payments so they can make borrower 's appear delinquent. Their payment denial says my financial institution does not exist. This is contrary to them taking the payment on the second attempt. They notify of the issue after the loan is due and then only accept the late payment. I believe this is on purpose and meant to ruin the credit of borrowers like me. I feel powerless because I can not even get in contact with them, they just say they are super busy. 

This service provider took on loans they could not handle. I have never in my life not been able to pay a loan I owe. These companies are refusing or unable to process payments. This is causing me to appear delinquent. I am a XXXX XXXX, I can afford my payment and I make them one time. These providers are scamming honest people trying to repay their loans. 

There is also NO way to contact the providers. An email tasks 3-6 months for a response and they are no longer taking them. The call center gives 45-1 hour wait times but never answers. They also will not call back. 

I am not delinquent in the eyes of the federal government, but it is the service providers. 

Please contact these agencies, as they are not honest about their ability to take on servicing loans. Loans should only be serviced by financial institutions.
Consumer complaint received 2019-05-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent in a disrepute letter against XXXX XXXX to Transunion. Asking that the negative report be removed from my credit report! ( Which Transunion refused to do ) I shared documents to back up the facts ( which Is I own the automobile ) no  debt is owe on the account!
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

I opened up this savings account in a Wells Fargo branch on XX/XX/XXXX, for the {$520.00} bonus promotion. The banker inputted the bonus code at the time of account opening. The promotion I enrolled in stated that I had to deposit {$25000.00} within 30 days of account opening and that I had to maintain the {$25000.00} for 90 days from account opening. I deposited the {$25000.00} on XX/XX/XXXX and kept the balance until XX/XX/XXXX. The {$25000.00} was deposited within 30 days of account opening and the {$25000.00} was in the account over 90 days from account opening. I fulfilled the requirements of the bonus, and I should have received a {$520.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$520.00} bonus as the terms stated.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX Equifax are reporting incorrect information on the account listed as XXXX XXXX XXXX XXXX it has several inconsistencies which means the account has not been properly validated because it can not report 2 different ways. 

The account information that should be investigated is : High Balance : {$0.00} -- Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal Credit Unions Payment Status : Payment after charge o! / collection Paid, was a charge-o!

Creditor Remarks : Account previously in -- dispute? now resolved? reported by subscriberm Payment Amount : {$0.00} Term Length : - - 1 Month ( s ) Account Type : Open account Deposit Credit Limit : {$0.00}
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

I received communication from this company over a year ago after paying the amount specified I was informed that the debt would be considered paid in full and removed from my credit report. The debt was only removed from my XXXX credit report and is still being reported to my XXXX and XXXX credit report after contacting the company they advised that they will update to have them removed in again almost 60 days later nothing has been removed from my credit report
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax continues to report the account listed as XXXX XXXX incorrectly. When an account is closed with a balance due the amount over a {$1.00} is credited to the consumer so reporting the late payments and charge off is not correct and a violation of FCRA which are my federally protected rights.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX and Equifax permitted several companies access to my consumer report without my permission. This is a violation of FCRA as neither the company nor the credit bureaus has permission to do this. As a federally protected individual I demand the credit bureaus provide proof that these inquiries were initiated by me with my wet ink signature. 

These inquiries should be investigated : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2024-04-25
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (ME)

I am a victim of Synchrony Bank 's predatory practices, which have caused extreme damage to my XXXX XXXX. Despite having a 100 % perfect payment history in all my accounts, Synchrony Bank has been artificially inflating my credit utilization with their company by continuously lowering my credit limit to the amount I owe on the card. This has resulted in my XXXX XXXX being damaged significantly. 

For instance, on my Care Credit card, I had brought my dog to the vet and had to use most of my line of credit. I made consistent and larger-than-needed payments, and reduced my credit utilization to about 30 %. However, Synchrony Bank reduced my credit limit to the exact amount I owed, inflating my utilization to 100 % and causing damage to my XXXX XXXX. What's worse, they did not even notify me of this unprovoked decrease in my limit. 

When I paid off the remaining balance on the card to get the utilization down to 0 % to improve my XXXX XXXX, Synchrony Bank used its self-imposed damage to my credit to justify closing my account, reducing my credit age, and further damaging my XXXX XXXX. 

Even my Amazon Store line of credit wasn't spared by Synchrony Bank 's predatory practices. I had a XXXX balance on it for several months, but when I used it to buy birthday presents, keeping it under 30 % usage, Synchrony reduced my credit limit to XXXX, making my utilization of that card 100 %. 

It's clear that Synchrony Bank is purposefully damaging my credit and then using my lower score to justify continually causing more damage to my XXXX XXXX. Despite keeping all my accounts in good standing and never missing a payment, it has been a long and difficult process to get any information from the company. No one could give me a reason for this, which was happening many times I called, and when I asked to be mailed information as to why this was happening, I was never mailed anything.
Consumer complaint received 2015-10-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IN)

Chase company did not properly credit the payments that I made XX/XX/XXXX in the amount of {$950.00} and XX/XX/XXXX in the amount of {$950.00}. This payment should have been credited to : XX/XX/XXXX payments. I spoke with XXXX XXXX in escalations on XX/XX/XXXX and request that our recorded conversation be referenced if you have any questions. XXXX stated at the end of our call that once XX/XX/XXXX payment was credited to our account we would be current. XXXX was aware XXXX payment in the amount of {$950.00} was already sent by my bank to Chase and stated she would " watch '' my account over the next few days to be sure it was credited. XXXX payment was received by Chase XX/XX/XXXX. My financial institution, XXXX XXXX XXXX XXXX, sent a payment history from XX/XX/XXXX to present to Chase on multiple occasions during this process to aid in their error processing. 
Chase failed to credit the payment I made on XX/XX/XXXX as of the date of receipt. Chase 's letter dated XX/XX/XXXX stated our payment would change to {$950.00} as of XX/XX/XXXX due to an escrow review. I spoke with XXXX in Chase Customer Service last week and she stated that the " system did n't update to show the lower payment '' and that she was fixing the system to reflect the lower payment and that our account would be current and due XX/XX/XXXX. 
I have attempted to contact my customer service representative XXXX XXXX via voicemail and fax, I have not received a return phone call or answer to my concerns from her. Chase sent me a letter stating XXXX XXXX was my customer service representative. I did speak with the escalations department and they stated to " ignore '' the " acceleration warning '' I received dated XX/XX/XXXX as he showed the account to be current. 
Today I spoke with XXXX XXXX at Chase Escalations department to verify the situation was resolved and our account was due for XX/XX/XXXX. XXXX stated she " was n't sure what happened '' and that the escalation department, XXXX, " closed out the case '' and the error remains. I have called Chase multiple times over the past few weeks and was told the error was being corrected and that I did not need to do anything additional to have the error corrected. XXXX stated today that she opened another case in the escalations department and that it takes " at least 5 business days '' to fix the error. XXXX did not see the escrow payment change XX/XX/XXXX in the system however could see the letter Chase mailed to me reflecting the change.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I opened a charge card XX/XX/2024 mainly to accrue and use rewards feature. I made large furniture purchases and immediately paid off the balance as intended. The company would report any time I charged a balance no matter the day of month not only when statement closed causing my credit utilization to increase thus deducting points from my credit score and then company would fail to report when payment was made and balance reset to XXXX  so I continued to have points deducted from my credit score and not replenished. Company then closed my account without my knowledge or permission and claimed that I called in to request this. After multiple calls with supervisors I was told there was nothing that could be done and that if wanted the account re opened I would have to apply again for new credit and thus having more points deducted from my credit score for opening a new line of credit. I originally lost XXXX point opening the account, XXXX points within the few months of using the account and then account was abruptly closed. I suspect that since I wasnt a customer who ever carried a balance intentionally and built up a great amount of rewards in turn, that they didnt see value in supporting a client like myself thus finding a way to end the business relationship.