davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I sent a secure message the other day to Chase, informing them that I would pay my freedom unlimited card off in full at the end of the month. And asking them as a one time courtesy if they would waive an interest charge, they refused, saying they can't do that however, every other bank that I've asked to do this has been able to do it as a one time courtesy this is the reason for my complaint I informed the chase bank I would be filing this complaint as well.
Consumer complaint received 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

Today I called navient my loan serviSer. I want to take advantage of the care act and get some of the money i pay to navient during the pandemic. They told me that my federal student loan are not covered under the care act because they own my loan. I asked them how is possible because I never received any notice telling them that my federal student loan was sold to navient. I only know that they are just the servicer of my loan. They told that now I am not even qualified for the student loan forgiveness. I am very confused now. They told me the only to get my loan under the federal government is to consolidate them. I know for a fact my federal student loans were consolidated when navient was sally Mae. I really dont know what is going on here. I have always my federal loan on time how come now I cant take advantage of the care act law now.
Consumer complaint received 2021-08-24
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: Flagstar Bank, N.A. (LA)

I was trying to refinance and I had to get off of forbearance so I can close. Flagstar bank put a negative credit on the credit report so I couldnt close. I have to get on forbearance do too COVID-19. I have a attachment stating what they did. Thanks, XXXX XXXX
Consumer complaint received 2016-04-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

My first payment was missed due to my son being XXXX and not having any PTO available. I informed Advance Anerica Representative of this and he stated that he would note the account. I am continuing to be harassed daily with multiple phone calls to my home and cell and even work after they were instructed not to call my workplace. They have also gone to my workplace to attempt to collect the payment. Since then my regularly scheduled payments have gone through as well as the payday loan. They are very badgering and do not assist when you truly need a payment moved or placed to the end of your loan. I regret going with them for my installment loan and referring a friend to them as well.
Consumer complaint received 2022-07-08
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. (IA)

I XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

on XX/XX/2021 and XX/XX/2021, i sent letters to XXXX  and equifax about these inaccurate items on my report they have not verified or deleted them from my report. i sent them usps certified mail w/tracking # XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX i need help getting this matter resolved
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I was issued a check by XXXX XXXXXXXX in exchange for selling my car to them on XX/XX/2022. I then placed the check into my account with Wells Fargo using the ATM. The check I was issued was also drawn on Wells Fargo. The check was initially suppose to be made available to me on XX/XX/2022, however on that date I was sent an email stating that the check was placed on hold until XX/XX/2022 which is almost two weeks after depositing. I was informed that ther was some kind of issue with the check causing the hold and I would need to refer to the check issuers. I contacted XXXX who issued the check to me and informed them of the issue, they looked into the matter and I died me that the check had been debited from their account that morning and there was nothing they could do on their end because the check has been funded. I called Wells Fargo back and spoke to two different people on XXXX and XXXX Who still could not release the funds staying that once theirs bank has confirmed they funds are available they will release to my account but still not giving me any real solution as to how to have the process speeded up. I informed them that the money they have on hold I need to pay my rent and feed my kids and I was informed they will cancel any over draft charges I obtain during g this time. I however cant even use my debit card as an over draft I cant do anything and I do t get paid until two days before the check is suppose to clear. I believe they are only verifying the check because Im a person of XXXX because it should. It take almost two weeks to verify something that is dream in their bank its self.
Consumer complaint received 2016-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I had set an overpayment on my account with Navient ( Formely XXXX XXXX ) - which was to help reduce the total cost of my Student Loan. This had been in place for at least 2 years - then out of the blue I received a message stating that there has been a change to my account - and some dates & terms. It never stated exactly what had changed. Then I checked my Navient account and realised they REMOVED my overpayment - so now they were only taking out the minimum to cover - which in effect means I 'd end up paying more on the balance over time if I did n't realise this ( accrue more interest ). This was Totally not cool.
Consumer complaint received 2021-08-24
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: CITIBANK, N.A. (NJ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is reporting a collection account on my record. I am victim of identity theft and I sent Equifax a copy of police report. They requested additional information to verify my identity and it was sent. They have not removed the collection.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IA)

Chase Home Mortgage solicited me from within my log in for my mortgage account to " pay off my mortgage faster by making 2 payments a month '', rather than 1. I clicked on the button to explore this option and was shown figures indicating I would be saving thousands by making payments this way. I opted to go ahead and switch my payments to be twice a month rather than once a month. The Chase online system walked me through making the switch, and brought me to a page where I was told to " select the payment dates for my new payment plan '', which I did and I selected the XXXX and the XXXX of each month what I understood to be my new payment dates. ( I believed these would be my " new payment dates '' because Chase system indicated they would be and kept referring them to me that way, my " new payment days ''. The system then had me confirm my bank information for automatic withdrawals on my " new payment dates ''. 
The following month my payments started to draft as scheduled on the XXXX and XXXX, and all was good until I realized recently when I logged in to find tax info that I have been getting charged a late fee every single month. I called Chase and was told basically too bad. I am getting charged because I did not pay within the grace period. 
Again Chase solicited me to change up my mortgage payments to begin with. My mortgage was in good standing and I had no issues with late fees until all of this. 
Since Chase solicited me to make the change, and then THEY allowed me to choose " new payment dates '' without any disclosure that the selection of new dates would NOT excuse me from late fees if the new dates were past the grace period of my previous due date ; chase needs to delete all the late fees that were charged from this and recalculate my outstanding loan balance without the fees and resulting increased interest.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

I have been trying to get incorrect fixed on my credit report. Sent letters 2 months ago to the credit bureaus, all 3 and have not heard a thing.

They all have numerous addresses for me. 

The only addresses it should mention are XXXX XXXX XXXX XXXX Wisconsin, XXXX and XXXX XXXX XXXX XXXX XXXX, wi XXXX ALL OTHER addresses need to be taken off. Some of these addresses I do not know where they found them. 

The only name they should have on my credit file, is XXXX XXXX XXXX. NO diversions from this name. Only this name. 

None of the phone no 's are correct. Phone no. need to come off. 

My employer- they do not have any correct employers. I don't know some of these places they list. They need to come off. I can not believe all the incorrect information they have.

I only have the one social security no, only one. Only the correct one should be listed. 
XXXX
Consumer complaint received 2021-08-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

30 year mortgage pd in full XX/XX/2021 still have not recid pd contract back and have been told that would take 60 to 90 days.all i am looking for is the original contract marked pd in full. i I have been billed and i have issued my payment chks to XXXX now I am informed that the mortgage is thru loan care of the same address and was directed to them, and was told by XXXX that the pd documents would take 60 to 90 days to reach me when I spoke to XXXX supervising manager employee # XXXX he informed me that if I wanted these documents I had to request them in writing? All I am looking for are my contracts back marked pd in full. Loan Care XXXX XXXX  XXXX, XXXX  XXXX, Virginia XXXX. Thanks XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX.
Consumer complaint received 2021-08-24
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)

XXXX submitted complaint to the CFPB about XXXX  XXXX. I wrote a complaint for the second time. CFPB investigated and recieved no response from XXXX  XXXX  after 70 days. I had to call CFPB and ask what was going on and why this has dragged on. Everythingv i said in myn statement is true, and now backed up by XXXX  XXXX no response for now 80 plus days. So this eronuos collection should be removed and formal investigations and charges against XXXX  XXXX, XXXX  and Equifax. Instead the Customer Service XXXX at CFPB sent letters to EQUIFAX and XXXX  asking them to look into this ; not mentioning at all that the original date of XXXX of the CFPB investigation of XXXX  XXXX  for almost 2 years now and not mention all my prior disputes that have been properly investigated by XXXX  and EQUIFAX AND THE FACT OF NO RESPONSE OF 80 DAYS NOW FROM XXXX  XXXX. So I contacted Equifax today. they are treating this as a new investigation all over again. This is wrong! This must removed from my reports at once. Equifax told me that another investigation has to be done and they sent this back XXXX  XXXX for theit response again. i have been hurt by this Credit wise, mentally and phisically drained. Please get this corrected at once. I am trying to buy a house and no more time to wait, nor should i have too. 
I would also like the FTC to be involed in this matter. And to have the CFPB start a Lawsuit against all 3 for company for bad reporting practices -- -- XXXX XXXX. XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

I recently discovered Synchrony ( Ashley Furniture ) is not applying my payment i have been making with there app until the day after my due date or payment date. The company is charging me a late fee then applying my payment. This is an XXXX  and unfair practice. In addition to not applying my payment on date I have it set up for ( due Date ) they are adding a late fee to drive up my balance and not reporting late on my credit when i have never missed a payment. This has been going on for last XXXX months I discovered.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (CT)

Carmax Auto Finance reported me 30 days late to credit bureua for the month of XXXX. My payment for XXXX is not due until XXXX XXXX. Although i am 8 days late i should not have been credit reported 30 days to credit bureaus. I am not 30 days late for XXXX payment until on or after XXXX XXXX. I am requesting that the 30 day late mark be removed from credit file and I wlll not pursue further action. I have tried to handle directly with Carmax but was neglected. I have also attached supporting documentation.
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I was a victim of identity theft XXXX years ago. The person opened a phone and cable bills in my name. Once I became aware of the issue, I immediately took action and called the company that was trying to report to the credit bureau. The company name is IC systems and they are a fraudulent company. I shared that I never opened an account with them and was a victim of identity theft. They still tried to ask me for my credit card info to pay the bill. I did not pay it and filed a police report. I also disputed the charge on my credit and had it removed. 

After XXXX years of thinking that this issue was resolved. IC Systems tried to come back and claim a collection on my report again but this time using a new account number. This company is a fraud and please be careful not to make any payments to them.
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP (MO)

Received a call from the " prosecutors office '' to call an " attorney to avoid prosecution '' for an supposed debt from XXXX US BANK. I recorded the collectors and and the " attorney that files suites '' and after they announced they were recording I announced that my end was recorded as well and they instantly dropped the " attorney '' persona and ended the call. US Bank is performing and funding predatory debt collections and releasing personal identifying information to family and friends, who they called after contacting me, about a debt from XXXX
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (VA)

Hello, I have right of survivorship with my x-husband, XXXX XXXX, XXXX on a property located at XXXX XXXX XXXX, XXXX, VA XXXX for which he has a mortgage loan # XXXX through XXXXMovement Mortgage that is only in his name. 

On XX/XX/XXXX of this year, XXXX passed away and then the estate attorney discontinued payment of the mortgage, indicating my right of survivorship made me responsible ; however, I had NO information at that time about the loan. 

I eventually was able to get family members to provide some info and I began contacting XXXX and Movement via phone and email. 

The customer service people had me send proof of XXXX ' passing so that I could begin the process to become Successor in Interst, so that I could bring the late payments to current and continue paying the loan. 

After I sent the obituary and answered all questions- Movement mortgage still will not communicate with me or allow me to pay the loan up. 

I fear the loan will go into foreclosure while I'm trying to get them to allow me to make payments. Is there anything that can be done? 

I use XXXX and I am not able to figure out how to " save '' my emails so I can attach them for your reference, but the email is XXXX and the last person I spoke to yesterday was XXXX @ XXXX XXXX XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

They are illegally reporting this account as XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Payment History Last payment XXXXXXXX XXXX XXXX Current Payment Status In Repossession Worst Payment Status No Info They have ignored my request for a copy of the Finance Contract AND Account Ledger as evidence to prove this account status/comments. I've made this request by email, by certified return receipt mail, and also by hand delivery to the Registered agent known as XXXX XXXX, PA. 

If they are unable ( or unwilling ) to provide such evidence to me either by mail or email, then pursuant to the FCRA, they must delete the account in its entirety.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

Good afternoon, there is a collection in the amount of {$260.00} with ERC out of XXXX Florida. They are attempting to collect a debt for XXXX  cell phone service. We tried contacting XXXX but they were bought out by XXXX. 

Originally we opened an account and bought phones thru XXXX XXXX. We were told we had 15 days to return phones and cancel service. XXXX and XXXX XXXX obviously do not work in harmony as we got collection calls down the road over a debt that we didnt even know existed nor should it have. I tried contacting ERC and they are virtually impossible to deal with but the bottom line is this really shouldnt have ever been in collections at all. We would like this to be completely removed, and I honestly dont even care about the money if it went to XXXX  because of XXXX XXXX error, but I dont feel its just
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fidelity National Financial, Inc (LA)

We are currently buying a home - scheduled to close XX/XX/2017. Someone falsified the Title Company ( XXXX XXXX ) email requesting a wire transfer and sent us an amount {$100000.00} and bank information for the closing cost. I initiated the wire based on this email. It was discovered today XX/XX/2017 after business house that the email we received was fraudulent. The funds have been wired from our account and no one is available at the title company or the bank fraud department until Monday.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a received a note of sale on our property. I sent out a written request to our servicer Bank of America on XXXX XXXX, 2016. During the course of XXXX/XXXX/16 to XXXX we have been in contact with B of A and they allowed us to complete an application in order to move forward with a possible modification. Their was a request for the sale to post-pone on XXXX but it has not gone forward due to the under writer review. I am still waiting for the response of the written request sent out regarding incorrect timeline. I was told by the legal department that is what they should be reviewing. Need your help with this matter.