davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
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: Experian Information Solutions Inc. (KS)

XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit  score  Remains + 'icon ' Remains XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit  score  XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit  score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges.
Consumer complaint received 2020-04-16
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. (KS)

XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rubin & Rothman, LLC (NY)

Hello, Ive been going through a rough time and got way behind on my credit cards and a company Rubin & Rothman , LLC XXXX XXXX  XXXX XXXX NY. XXXX is sending collection letters and garnishment letters to my employer. I understand if they send to my payroll dept, but they are sending certified letters from the Sheriffs dept, directly to my office so that my employees see it because it is not addressed to me. This is embarrassing and I dont believe it should be allowed.
Consumer complaint received 2020-04-16
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: Experian Information Solutions Inc. (NC)

I have been disputing this bill for over a year. I have asked on several occasions for Experian to provide validation of how they verified the account belongs to me. I have not been provided any proof. Also the credit bureau gave the collector my current home address and I was only mailed a bill and threatened to be sued if I do not pay. This is not my bill did not sign any contracts for this account and have not been provided any information proving this is my account. This has caused my credit score to be low and unable to obtain credit.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I am one  of the many who lost most of their income due to the pandemic. I have excellent credit but I can't make the huge payments I have been making, so i tried calling Bank of America to get the 0 % rate extended. Since the XXXX are doing this, so should the credit companies. I couldn't get through. The automated system said I could defer three payments but the very high interest would still be charged when my 0 % fee ran out. I had planned to pay off the card by that time, but with the pandemic that isn't possible. The XXXX reported that Bank of America wasn't giving customers an interest rate break.
Consumer complaint received 2020-06-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I've been working to improve my XXXX XXXX and signed up with XXXX. I've been on an IDR Plan with Navient and in XXXX & XXXX, I was late with my IDR renewals and even though I was able to renew, Navient had already reported late payments to all XXXX credit bureaus. The dates are the following : XX/XX/XXXX - 90 days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - 90 days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late. 
All other months since XXXX are listed as current as agreed. 
During the above months, I was caregiver for my XX/XX/XXXX year old mother with XXXX who was declining rapidly. She passed away in XXXX, XXXX. I was so discombobulated during that time, that it took major effort to just put XXXX foot in front of the other. I was able to get the IDR renewed and everything has been fine since, but the erroneous late payments are on my reports, even though I wasn't required to pay on my student loans for those months. I was late renewing and not paying on my loans. These lates are having the most significant negative impact on my FICO scores. As a result, when I have attempted to get loans for my practice, I've had to go with companies who work with " high risk '' businesses with low credit scores. 
I did file an account dispute with XXXX  on XX/XX/XXXX and the result was that Navient would not remove the lates. I called Navient on XX/XX/XXXX and was told that XXXX law prohibits them from removing the late payments from my credit reports.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (TX)

I have been trying to freeze my SageStream report for over 5 months, and they keep claiming they can not verify my identity. I sent another letter last week with my social security card, utility bill, light bill, and bank statement showing my current address. I am in the military and my drivers license shows my old address. I am XXXX in texas and live there currently. 

I've also left 2 messages since sending the letter with not response.
Consumer complaint received 2020-04-16
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. (OH)

XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -XXXX won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -XXXX allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -XXXX should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -XXXX should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -XXXX won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -XXXX allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -XXXX should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -XXXX  should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tesla, Inc. (MA)

As part of our home refinance, we received information from XXXX XXXX that TESLA XXXX had reported an outstanding balance on our account of $ XXXX report appears on my XXXX Credit Report This is not correct as we have an account which requires us to pay monthly for electricity produced by the solar panels. In conversation with TESLA Customer Service, i was told that this amount is the amount I would pay if I cancelled the account. The amount is not paid monthly although the report from TESLA showed a {$3.00} per month payment for 190 months. The monthly bill we pay is only for electricity used and is in good standing as it is paid by direct deduction from my checking account. 
One person at TESLA mentioned that they could remove the amount so I could get the refinance ; however in one week I have had no reply from TESLA to my repeated inquires.

In summary there is no billing or payment for the {$23000.00} This figure is an internal figure carried by TESLA that is not a current obligation and should be removed
Consumer complaint received 2020-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX and XXXX I sent payments to an individual through XXXX in my JP Morgan Chase Bank account app. I never received the item or a tracking number indicating that the item had been sent and the seller stopped communicating. I also received a notice through the website the ad I was responding to had been flagged as a scam. When I sent the payment, I did receive a warning to not to send money to people you don't know. Unfortunately, I believed the seller 's legitimacy and identity had been independently verified through a third party, only to find out after I sent the payments that the third party hadn't actually received the confirmations yet. 

I contacted Chase to report the issue, and see if they could reverse the payment or help me recover my money. First, it took me two days to even contact someone that could even answer my questions/ deal with this issue. This is when I discovered that even though Chase integrated XXXX into my bank accounts and banking applications, XXXX is actually a separate business not directly connected to Chase. This was not disclosed to me in any obvious fashion when I went to use XXXX for the first time for this incident. A big part of the reason I was comfortable sending the payment was the false sense of security that the funds were being sent through Chase bank and therefore would be traceable, recoverable or be otherwise disputable. I basically thought that this was a form of payment similar to using my debit card. I also thought that with XXXX being part of Chase ( as I thought at the time ) that the the seller would also have to have an account with Chase, further enhancing the ability to recover the funds in case of fraud/scam. 

Upon further research after the fact, I discovered that XXXX is a favorite tool of scammers because of the fact that people don't understand the true nature of their relationship with banks and because people trust that transactions through their bank are safe. Also there is no way to trace funds because XXXX acts as a firewall beyond which the bank can't see where the funds go. This has been a known issue for years as a simple XXXX search turns up news articles about this issue from as far back as 2018. 

When I contacted XXXX on the advice of my bank, they basically told me " too bad so sad '' and that I should deal with my bank. There wasnt even a way to report fraud with XXXX. When I finally reached a customer service rep, she said they would investigate the issue and if they found evidence of fraud they would shutdown the users account. When I asked if they wanted evidence of texts, emails and witnesses, they said No and that it had to be evidence in their system. In other words they probably wont even shutdown the scammers account. They didnt even offer to make a police report or try to help me recover my funds.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (IL)

I have 2 issues with this debt. 1. i wasnt notified of this bill. Im not sure what address that they sent this letter to if it was sent out since i am at a new location for a while.

2. I have a fraud alert and Identity theft history on my credit report and I do not recognize this debt.
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (WA)

We have a home mortgage with NY Community Bank ( " NYCB '' ). On XX/XX/2022 NYCB acquired Flagstar Bank in a merger, and is now operating under the name Flagstar Bank and is now one of the top 25 regional banks by assets. Our mortgage was transferred by NYCB to Flagstar on XX/XX/2022 and we were charged a " Account Payoff - Release Fee ( Payoff ) Charge '' of {$36.00}. This was not a refinance, and we had no part in this transfer. 

I know its only {$36.00}, but charging a payoff fee for transferring our NYCB mortgage to NYCB 's wholly-owned subsidiary is self-dealing and seems fraudulent. I am concerned that the charge is being missed by all of the customers since there has been so much paperwork sent out. Thanks.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid 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: CITIBANK, N.A. (KY)

Dispute # : XXXX On XX/XX/XXXX I made an online purchase for {$1000.00} from XXXX - reclining sofa, and paid the purchase with my Citi credit card. The merchant made 2 delivery attempts. Both times I refused to take the sofa because it was damaged. After repairs third delivery attempt was not made. I was not able to make any arrangements to get refunded from the merchant. Then disputed with Citibank on XX/XX/XXXX. I received several letters from the bank to provide additional information and I replied to all of them, including pictures of the damages and copies of the delivery documents. Then Citibank closed the dispute in the merchant 's favor despite I dont have the item nor refund. I am very aggravated because Citibank is conducting their investigations careless and they are not protecting their customers. Contacted their executive management team but the answer was the same.
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

On XX/XX/2020, I went on the company website to add my XXXX XXXX savings account information to make XXXX additional payments toward the principal of my mortgage loan. On XX/XX/2020, I noticed the payment had not cleared the account and contacted XXXX XXXX XXXX. I discovered the account number I entered did not contain the XXXX preceding zeros. This caused the payment to be rejected a few days later. As a result, SPS added a block to my account which prohibits me from making my payments online and requires me to mail in a certified check. The representative stated it was an SPS error and should not have been flagged as an NSF. She also informed me it would be corrected within XXXX business days. I have called SPS several times and each representative has given me a different explanation and time line of when the mistake will be corrected. I have also emailed the Ombudsman 's office. I received a template response from the office via email and mail. On XX/XX/2020, I called again to inquire about the block and to make my mortgage payment online. It was at this time, I was told for the first time, the issue was sent to a XXXX on XX/XX/2020 and a decision would be made by XX/XX/2020. I was also informed that I would need to make 6 months of payments before the block is lifted. That requirement is typical for someone who has had NSF issues. I have never had a payment returned for NSF reasons. Today, I log onto the website, the block has not been removed. I called and waited on hold for a XXXX for XXXX minutes. The representative, sent an emailed to the XXXX to request she give me a call.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2019 I contacted chase bank informing them I was in a hardship. The house we were renting was tested for black mold and due to the positive results the city deemed it not livable. At that time I made the call to chase I was currant on my payments. My intention was to get lower payments moving forward or even No payments for a short period. We were living in a hotel at that point and would not be able to move back into the home until our landlord fixed the issue, I had documents to prove I was going through a hardship if needed. Unfortunately chase would not help me. I sat on the phone for over an hour they keep escalating the call to different representatives. None of which gave me any advice or options. Needless to say I fell behind and my account was closed.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

I have called Chime numerous times and days since they closed my account in XXXX. I have called them XXXX  times today. They keep telling me they have limited access and wont transfer me to anybody to explain to me further into why my account was closed. Its the same thing Ive heard for months. All they say is it was due to security reasons and against their policies in their disclosure when I opened the account, and I am not eligible for a refund. There was money left in the account and they zeroed it out and are keeping the money with no explanation on how I am supposed to get my funds back. This has been going on for over XXXX months now, and I am not getting anywhere.