davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (PA)

I deposit my pay check automatically. I monitor my account daily. Here 's the issue : when I make a transaction. It appears on my statement as pending. and my balance indicates the deduction amount. Say I have {$1000.00}, pay {$100.00} my balance shows as {$900.00} and so on. 
so I only spend what I have available. I do n't spend more than what I have. What Chase is saying is that the merchant when a trans action is pending the amount is put in reserve. 
if the merchant does not process the transaction within 5 days. The reserve is place back into my available balance. However my available balance does not indicate the reserve added back. so I had {$1000.00}, spent {$100.00}, have {$900.00} available, spend the available {$900.00}. on other bills, and then the original transaction of {$100.00} is posted, They are saying that I am overdrawn and are charge me a fee of {$35.00} so I 'm asking what happened the {$100.00} deducted from my original {$1000.00} balance. So my balance go down with every transaction but never goes back up when the pending transaction is reinstated back into my account. They say they do n't indicate that on my statement. How can I keep track of my money when not all the transactions are not indicated in my account statement. They are pulling some XXXX here and need a forensic examination of how Chase list the transaction on a costumer statement. Please advise on my next step. I 've had enough and I 'm getting the run around from Chase with no clear answers as what happened to the deducted amount from my balance. 
also transactions disappear from my statement, Case in point. I spent {$100.00} on XX/XX/XXXX. My statement indicates the transaction the same day and my available balance is reduced by {$100.00}. 
the merchant post the transaction on the 20 5 day from the original transaction. By this time I I have depleted the remaining balance. so now I 'm overdrawn. What happened to the {$100.00} and the original transaction on XX/XX/XXXX is nowhere to be found on my statement I have a receipt from the merchant dated XX/XX/XXXX. Some is going on here and they been pulling this for quite sometime. Please help
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Blitt and Gaines, P.C. (IL)

I mailed a letter requesting validation of a debt that is listed on my credit report by XXXX XXXX, XXXX ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XXXX XXXX XXXX XXXX attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XXXX XXXX XXXX, Blitt and Gaines, P.C., Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), Blitt and Gaines claim to have retained XXXX XXXX to collect the account for which I requested validation.
Consumer complaint received 2023-07-25
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: DISCOVER BANK (LA)

XXXX XXXX Discover Card XXXX XXXX XXXX XXXX XXXX US SM Bus Admin XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have a home mortgage loan with Ditech. My name is XXXX XXXX. My loan originated with XXXX XXXX XXXX XX/XX/XXXX. I purchased my home with over 30 % deposit and decide not to set up an an escrow account to impound property taxes. Several years ago XXXX sold the loan to Greentree financial, then Ditech took over Greentree loan. I have never been delinquent in paying my mortgage ever. My spouse pays the mortgage automatically through his checking account electronically. I received a Call from a Ditech XX/XX/XXXX debt collector indicating I needed to call them. They were stating they were debt XXXX. I called them and apparently they are collecting for taxes they paid and late fees. I paid the property taxes, but asked them to not impound the taxes. I requested they waive those junk fees, because I pay my own taxes as my mortgage documents stipulate. ( loan # XXXX ) I also asked for a proper verification of debt, they refused. They refused to undo the impound escrow account. I was transfer from rep.to rep. I paid the taxes, even though I did not have a verification of debt, cause online statement says they paid it on the XX/XX/XXXX. They were due on XX/XX/XXXX. I made a payment today of {$1500.00} to go the property taxes. I want them to provide an itemization of what they paid, to do a reversal of all the junk fees they put on. My payments have always been on time. they refused to let me speak with managers, and did not respond to the fax I sent XX/XX/XXXX. I do not want them to report my payments as late. they need to review the docs I signed with XXXX to see I pay my own taxes and insurance. this is a ploy to try and foreclose on my home illegally. Property address is XXXX XXXX XXXX, XXXX CA XXXX. The XXXX county treasurer tax collector said they have created a lot of problems for home owners such as me. I ask for your assistance to solving this problem, since no one at Ditech cares about fixing the errors they made which are causing me financial distress. They also sent a debt collection letter with some other persons name one it and a different collection amount. They admitted sending lots of these letters out in error. I believe they did this to collect fees in an illegal manner. This predatory lending practices and it is unethical. Please assist me if handling this problem and email me at XXXXXXXXXXXX This is so stressful. I never had a problem with XXXX XXXX XXXX when they handled the loan. Thank you, XXXX XXXX
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NM)

I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia XXXX XXXX XXXX showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: JPMORGAN CHASE & CO. (CO)

I submitted a fraud claim in XX/XX/XXXX with chase bank they gave me my temp credit, then reversed it!!!! overdrawn XXXX. I 've had the account since XX/XX/XXXX, in that time I was overcharged XXXX I PERSONALLY RECOVERED XXXX this leaving the difference of XXXX plus the charges in XX/XX/XXXX of XXXX. I have provided police reports and defendants that have been convicted of criminal trespass and several other felonies. THESE INDIVIDUALS STOLE MY PHONE, MY DEBIT CARDS, SEVERAL OTHERS IMPORTANT ITEMS!!! in the meantime the State of Colorado IN ERROR sent my minor daughters child support payments to this account and Chase Bank is refusing to return them!!! On XX/XX/XXXX I received a request for the police reports which I provided!!!!! Then on XX/XX/XXXX I contacted Chase Bank and they have refused to put in writing the reason or reasons they wont release the child support payments nor will they answer my questions as to why after I provided the police reports they still say IM A LIAR!!!!! This is absolutely ridiculous
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is Disappointing! I have been disputing with the Credit reporting Agencies for the removal of the Fraudulent accounts and information that are still reporting on my Credit File despite the multiple dispute letters and CFPB complaints I have been sending to the Credit Reporting Agencies. Five ( 5 ) months have passed and it seems like the Credit Reporting Agencies have been doing nothing! I have consulted my legal counsel and they are willing to help me file a federal case against the Credit reporting agencies for their willful negligence and incompetence with my Credit File. I have been informing the Credit Reporting Agencies that I have been a victim of identity theft and that the disputed items were the result of such crimes therefore I never have a legally binding contract with the disputed items. However, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the Data furnishers verified the accuracy of the disputed items but I never received anything in response or any proof of verification or proof of ownership. Under the Fair Credit Reporting Act, I am requesting that the Credit reporting Agencies remove the following items completely from my Credit file before my legal aide finished their deliberation. I need the following items removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} x XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX AN # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-02-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FBC MORTGAGE, LLC (FL)

On XXXX XXXX, 2017, I received a 3rd denial letter from FBC stating I am ineligible due " income is insufficient to qualify for any foreclosure alternative programs at this time. '' I submitted a complaint about FBC not properly calculating my income and they admitted fault and I had to resubmitted paperwork to once again prove income. For 14 months, I 've been fighting with FBC by sending the requested documents and waiting the allotted time for an approval only to be denied again. My income and debt to ratio are not being properly calculated for my loan to be reinstated.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Credit have created an unusable online experience that is making it constructively impossible for me to login and check my balance. -- - I have an Amazon.com Store Card which is serviced by Synchrony Credit. The website, which is the only way I can view my statements, has recently been very difficult for me to use. Almost every time I have tried to login, I am told that my password needs to be changed, and/or that I need to receive and enter an passcode through my phone. On X/XX/2017 I tried contacting the bank both through the online chat support channel and by calling their phone support. The online agent was completely unable to help me. After a lengthy wait on the phone, an agent answered but was unable to understand what I was complaining about. Finally, he transferred me to another support queue, where I was put on hold for an additional ~15 minutes. The representative who answered was also unable to help, but told me that she would forward my request to their IT department. This aggressive login scheme seems to me to be excessive and I 'd like for you to encourage Synchrony to make their online experience more accessible. Thank you, XXXX XXXX
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OH)

I have only been able to get my annual free credit report once in my entire life from Experian. Their site gives a plethora of reasons and error codes as to why I ca n't receive my reprt. Some have included my personal information not matching, not being able to verify my identity, incorrect information provided, etc. Most recently, it advised me I had already received my annual free report, which is a lie. I have called them countless times over the years and they are always totally unwilling to help. I want my free report. This has gone on long enough.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NY)

I signed up for a service that was only available to " Accredited Investors '' per rules of the SEC. This service had an " automatic '' annual renewal and the end of the subscription year. I did not receive any notification prior to the renewal date nor did the company in question seek to verify my status as an " accredited Investor ''. I canceled this subscription after learning of charges being posted to my account. Chase has refused to credit them despite the deceitful and illegal practice of the vendor
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

All Principle and Interest payments are {$940.00}. They reported the following $ ND XXXX XXXX {$1500.00} XXXX XXXX {$990.00} XXXX XXXX {$1100.00} XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX {$1500.00} XXXX XXXX {$5300.00} XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX {$2800.00} XXXX XXXX {$1200.00} XXXX XXXX Not reported XXXX XXXX {$1200.00} XXXX XXXX Check Cleared XX/XX/XXXX for XXXX, reported late XXXX XXXX, XXXX for XXXX, reported late XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reportedXX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX, for XXXX reported late XX/XX/XXXX for XXXX reported late XXXX XXXX, XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX, reported late XX/XX/XXXX for XXXX not reported It is obvious the record is totally incorrect. I have submitted paper copies of checks with amortization schedules and uploaded an XXXX spread sheet. They deny even though I 've provided evidence from the bank.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (GA)

I hold a first mtg with US bank ( loan # XXXX ). I applied for a loan modification due to the fact my payment is going up in XXXX and I lose my child support in XXXX 2017. My income is XXXX a month from my job XXXX. My payment will be XXXX. My modification was denied because i am not behind on payments and because they say I have enough income to cover the mortgage! Clearly an excess of XXXX is not enough to sustain that payment amount! I asked for an appeal to make sure they are not counting my Child support that I lose in XXXX 2017. US Bank said I can not file an appeal! So much for saying on their paper work they want to work to help you keep your home!
Consumer complaint received 2017-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CHECK INTO CASH INC. (CA)

You contacted them and they said the date of the loan was XX/XX/XXXX. They simply now changed the date to XX/XX/XXXX. I did not take out either loan. I did not have a physical address or checking account. I was unable to do so.
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

Hi! To give you a brief recap, XX/XX/XXXX the IRS had incorrectly assessed a tax lien in the amount of {$130000.00} and which was then subsequently filed/recorded in XXXX separate county clerk offices ( XXXX in XXXX & XXXX in XXXX ) which created XXXX public tax records against me. When I finally became aware of these liens I had one of my attorneys research the matter and it was determined that these liens should have NEVER been filed against me personally. A formal dispute was filed with the IRS XX/XX/XXXX and they subsequently agreed XX/XX/XXXX that these liens were improperly assessed against me and they were immediately released ( see attached correspondence ). 

While other credit bureaus subsequently removed these from my credit file, Equifax has continued to improperly list them. I have made at least XXXX ( XXXX ) formal disputes with Equifax including sending a certified letter to Equifax 's CEO contesting these items and, simply put, have achieved nothing doing so. I 'm not sure if the CEO even looked at my letter but no one at Equifax who reviewed my online dispute seems to understand that these items should be completely removed from my credit file when the IRS itself determined that these liens were, in fact, improperly assessed against me. I 'm not sure where the disconnect lies nor why the Equifax team who handles disputes can not understand the distinction of what happened here. I was told by each of the Equifax representatives I spoke to that I would have to obtain individual releases from each of the county clerk offices where the IRS liens had been filed and this makes absolutely no sense! The IRS sent out lien release letters directly to each of the respective county clerk offices and simultaneously sent me copies of such releases ( see attached ). Equifax is improperly reporting these liens as being satisfied/paid. Again, these liens never should have been assessed against me and the IRS confirmed this. Equifax should completely remove these XXXX derogatory and improper public records from my credit report. 

Thank you in advance for any assistance you can provide in helping to rectify this situation. Sincerely ... XXXX XXXX
Consumer complaint received 2017-07-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

On XX/XX/XXXX I received a letter from Ditech my mortgage company stating that I am eligible to receive an additional pay for performance incentive in the amount of $ XXXXThis is under the guidelines of the Home Affordable Modification Program that is tied to Dodd-Frank. I had to send in a Certification form. I did so on XX/XX/XXXX via fax.See attached documentations. Shortly there after I called to verify that they had received my documentation and was told it had to be processed.On XX/XX/XXXXI was told that everything was in order but it could take up to a year to complete. On XX/XX/XXXX and XX/XX/XXXX I was told a similar story and the last time they had no record and had little information about the program. I was sent to a different extension were I got a voice mail to leave a message with my information and I would receive a call back which never happened. I this point I am tired of the runaround by this large bank and seek your help. A gravely similar and much worse process took place during my loan modification which resulted in a {$20000.00} impact on my mortgage. Please Help, XXXX XXXX
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TN)

I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00}
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

No matter what, when I requested forbearance or when I was enrolled and requested it be deferred, they would tell me it was done, yet I would get collection calls and notices a month later and my credit score suffered severely. Its getting to the point where finishing school is dangerous to my future.
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

We took out a loan with XXXX and it was sold to GreenTree Servicing last summer. While dealing with XXXX, we never had any problem with our monthly loan payments being received and credited correctly to our XXXX accounts we had with them. When GreenTree took the XXXX loans over beginning XXXX XXXX, 2014 we began to have problems. 

XXXX of the XXXX checks sent in XXXX envelope for the XXXX payment was lost ( the other XXXX was cashed ), and numerous times both payment were posted to XXXX loan even though each check had the correct loan number written on it. We have sent in payments each month for the correct amount, but they are saying that we owe them approximately {$1200.00} on each account. 

We have repeatedly talked with their servicing agents, but they continue to say we owe these large amounts. We have even received information from them recently regarding loan defaults. We have been unable to get this straightened out with them and very much need some XXXX party help. 

The original PITI on each loan was approximately {$480.00}. My calculations for PITI monthly is {$460.00}. Their current billing is for about {$610.00}. My number is based on actual principal, interest, taxes and insurance. 

Their agents call us frequently wanting additional payments at odd amounts. 

We would like very much to talk with someone from the CFPB to help us get this straightened out. We can supply an actual payment history ( from our bank account ), as GreenTree 's numbers bear no resemblance to the actual payment schedule.