davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (PA)

I would like Navient to remove the 9 missed payment remarks on my student loans they placed in error. 

Navient failed to place me on an approved deferment for my student loans in Fall of XXXX semester, billed me early due to this inaccuracy & then placed 9 missed payments on my credit report despite this being their error. Due to them failing to place me on deferment they approved, I was hit with a large bill early that I could not pay & they inaccurately placed 9 missed payments on my credit report when I should have never had this billed this early. 

Below is my letter to Navient with more detail : Dear Recipient, My name is XXXX XXXX & I am a customer of Navient during my tenure at the University XXXX XXXX. I am reaching out to dispute the 9 late payment remarks on my credit report by Navient. I am disputing these due an error of the payments. 
At my time at XXXX in Fall of XXXX, Navient failed to put me on deferment following my request approval below attached. I was at least half-time per below of XXXX definition & my transcript attached. 

Navient failed to put me on my deferment for 6 months & you began billing me. On a side note, I had to testify & be involved in a months long court case in XXXX, GA where XXXX XXXX XXXX XXXX XXXX XXXX  so I was completely unaware of this Navient error. 

I began being billed XXXX which would not make sense with my deferment. I stated this was an error & I shouldnt be billed & I continued to be billed through XXXX  at this inaccurate amount. Despite my claims of the error, my bill went up to over {$700.00} on XX/XX/2018 which I could not afford that inaccurate bill : My billing should have started on XXXX on your deferment forms on your website & I was hit with 9 late payments on my credit score for not paying this inaccurate amount made in error by Navient. 

I am now looking to buy a home & these 9 late payment amounts are ruining my life plans. This was an error by Navient not registering my half-time deferment & billing me an inaccurate date/amount that I could not afford. 

Can you please remove these 9 late payment remarks because this was all created in error. If I had my first bill on the right time around XXXX, 2018 I would have made the payment, but Navient had major errors in the amount owed. 

I have attached all material needed in this letter. 
Thanks, XXXX XXXX
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MA)

Citibank # XXXX Beginning XX/XX/XXXX account shows in Collection. This student loan was deferred due to the serious illness of my son. The account is not in collection. It was deferred to XX/XX/XXXX. 
Also, even though this loan was deferred, I continued to make payments of {$220.00} each month. 

It seems wrong that this account would show in collection when it was deferred and I continued to make payments. It was never explained to me that if I deferred the payment the loan would show in collection. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (CA)

My husband and I have a business checking account with Square and while we were at our place of business, funds were being taken out of our account. The notifications said that my husbands card was being used but it was still in his pocket in his wallet. I made a police report and the police did nothing. I have security camera recordings from that day, showing us at our business at the time the transactions happened. It took 3 days for Square to tell me that my disputes were settled and in the favor of the merchant ( XXXX XXXX  ), and they said my husband was the one who made the transactions. Nobody tried to help us. I called Square and they transferred me 7 times! They told me the same thing every time. My disputes were settled and they couldnt tell me anything more than it was my fault. They wouldnt provide the evidence supporting their decision. My business is just starting so funds are still low. I dont know what else I can do to get our money back.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Hello, I had taken a Mortgage loan from XXXX to purchase a house in XX/XX/XXXX at XXXX, Texas to be repaid in 360 monthly instalments of {$740.00} each. As per the Closing documents I don ' need to pay Escrow balance for taxes and insurance. 
The taxes and insurance are to be directly paid to the authorities by me. However, the mortgage co. inadvertently paid the property tax and utility taxes from escrow account in XX/XX/XXXX. Not knowing that the lender had paid the taxes, I too paid the taxes in early XXXX XXXX was time to pay taxes until XXXX XXXX without penalty. 
The tax authorities encashed my checks and kept on hold the checks issued by the mortgage company. Since there was double payment of taxes, I had to follow up with the county and utility district for refund of the excess amount. After getting the refund, the fund was immediately sent to the company. They credited the property tax to the escrow account but the utility tax was credited to the principal. I called them several times to rectify the mistake. Even after three months since no action was taken by the lender I again paid the utility tax in order to wash out escrow balance. 
Finally, in XXXX the escrow balance became nil. In the meantime, Home point sold the loan to Freedom mortgage. 
Now Freedom mortgage has asked me to enhance the monthly payment from {$740.00} to {$1200.00} from XX/XX/XXXX to include provision for escrow balance. 
IT IS A CLEAR VIOLATION OF THE TERMS AND CONDITIONS OF THE LOAN AGREEMENT SINCE I DO NOT NEED TO PAY INSURANCE AND TAXES BY WAY OF ESCROW ACCOUNT. 
I spoke to the company personnel several times pointing out what had happened but the discussion was futile. 
Instead of rectifying the error they are repeating the mistake which the pervious company had committed. 
I want the mortgage company to honor the original terms and conditions whereby the monthly instalment is {$740.00}.
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc. (FL)

Overdraft protection up to {$25.00} was offered by cash app on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my account balance was {$60.00}. Immediately at sign up for overdraft on XX/XX/XXXX my account balance was {$20.00}. Cash app immediately charged {$1.00} for overdraft repayment and XXXX more times on XX/XX/XXXX charged me {$4.00} and {$22.00} for repayment for overdraft! My account had a positive balance of {$20.00} when I signed up for the {$25.00} overdraft coverage. I had no debits to my account which means the repayment for overdraft was illegally taken by cash app from my account. This continued throughout XXXX, XXXX and into XX/XX/XXXX with a total of {$260.00} for XX/XX/XXXX, a total of {$340.00} for XX/XX/XXXX and {$300.00} for XX/XX/XXXX. Grand total taken for overdraft repayment that I did not owe is {$910.00}!!! When I noticed that they were taking this money I tried to dispute it with cash app. The first time I contacted them I was also disputing another transaction for {$1700.00}. Due to the irrelevant answers they were responding with totally avoiding the disputes in question I filed another complaint against them prior to this one but for the {$1700.00}. I went back and tried to dispute these overdraft charges again and this time was told they do not offer a dispute resolution for overdraft but thank you for suggesting feedback as to how they could provide a better service in the future to their customers and they would forward my " suggestions '' on to the correct department for possible future use!!!! This is {$910.00} they took from me illegally and there is no dispute option to get my money back!!!!!! This is unheard of and I want my money back. I started at the beginning of XX/XX/XXXX and itemized every single transaction to include when I signed up for this overdraft protection. They illegally took {$910.00} from my account and they totally disregarded my dispute to these charges!!!!
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft and have some fraudulent and unauthorized collection accounts and credit inquiry listed on my Experian credit report that do n't belong to me. The following accounts do n't belong to me : XX/XX/XXXX, XXXX , XXXX {$1200.00}, XX/XX/XXXX, XXXX/ XX/XX/XXXX , XXXX/XX/XX/XXXX, XXXX
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

I have submitted a dispute with Experian for reporting a Public Record Bankruptcy on my credit report and have nothing has been done to rectify the situation. I have also complained and disputed a substantial number of inquiries that do not belong to me and as of XX/XX/XXXX, and still no attempt has been made to rectify that situation either. Per their representative I need to contact the creditors and request they remove the information. I have in writing and verbal per FCRA disputed the public record and inquires that are greatly affecting me especially with my job and I was informed they will not do any such thing. I also requested proof of verification of said public record which per Experian Representative was verified, and still have not gotten said verification. When I have contacted, Experian concerning my disputes I am asked to wait 30 days continuously. I sent certified dispute letters to Experian dated XX/XX/XXXX and XXXX, and XXXX and still nothing has been done to rectify the issues that I have experienced at the hands of this credit reporting agency. They are also reporting XXXX late accounts that was not there in the past and is reporting inaccurately. 

XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing Store XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AL)

I've reported them to CFPB several times calls may stop but they return. the last one I reported to CFPB they claim they never called which is false. after the report the calls did stop then return again. 
calling my relatives and other family is over the top. once filed a complaint I thought it was illegal to stop calls once I've filed a complaint for harassing all my family with a XXXX phone calls a day?
Consumer complaint received 2017-04-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Closed my account suddenly i dunno why and when i called the closure team no body gives information or the reason why closed the account they are very very rude in answering and i dont have information why they closed the account even they closed my creditcard and took my cash reward which was about 1300 $ and when i asked them to give me that redemption they said its bank policy they take my cash reward, I want to reopen bank account with them as i have many of my buissiness partners on bank of america so its easier in the transaction what can i make to reopen the bank account again.Thanks
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

Equifax has deleted and re added an remove XXXX XXXX XXXX back on my credit report after i submitted the information for myself proven that the XXXX XXXX XXXX account has been PAID IN FULL, i sent Equifax 2 letters that states above, XXXX and XXXX has remove the above agency but Equifax removed it only to add this collection agency back on my credit report. I written Equifax about this matter and submitted the CASH CHECK and LETTER to XXXX XXXX XXXX to prove the check was cash with the information stating i wanted XXXX XXXX remove from my credit report, only for Equifax to unfair add it back on.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

My Mobile phone was compromised and there were 3 separate XXXX  transactions that was made using my mobile account. I called chase to report the situation the next day. Transactions are : XX/XX/2021 - {$820.00} XX/XX/2021 - {$400.00} XX/XX/2021 - {$780.00} After reporting, Chase locked my online account and filled a claim. They confirmed that my account has been compromised and that I will receive a refund within 10 business days. I had to create a new online account and change my username and password as instructed. Today, XX/XX/2021, I called to follow up with Chase and said my claim has been denied due to transaction happened with XXXX. I escalated the claim to the claims supervisor and was told that they can not do anything or refund me because there were no suspicious activity that they can see on their end. The claims supervisor asked me to file a complain with CFPB if I want to but they are not going to help me.
Consumer complaint received 2021-01-30
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: MS SERVICES LLC (AZ)

XXXX XXXX XXXX XXXX & MS Services LLC are reporting a debt of XXXX I was XXXX  and forcefully removed from my place of living in XXXX and was homeless from XX/XX/XXXX THROUGHOUT XXXX AND XXXX TILL XX/XX/XXXX. 

They are passing the buck on the consumer whom has already suffered enough. I have found over 8 fraud accounts on my credit including this one. I had NO access to any online accounts or home or internet access ( infrequently ) during my homeless bought. I filed fraud claims online on identitythieft.gov and with XXXX faxing in a document today by a bank manager.

When I call MS Services they refer me to XXXX  when I go to XXXX  they send me to MS SERVICES.
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

In XX/XX/2016, an i.d . holder I use for my ATM card and my public benefits card was lost or stolen. Unfortunately it also contained a post-it note with my PIN number on it. I did not realize at first that it was gone. It was only after the bank sent me a letter about a deposit I had not made that I realized I had lost them or they had been stolen. I went to the bank to dispute the charges, but I only speak Spanish and it was difficult to communicate with them. Later, a lawyer who is a friend of the family helped write a letter to the Citibank Fraud Dept. for me, but he is a criminal lawyer and could only give me limited assistance. The Bank said they did an investigation and denied my complaint. They said the activity on my account was normal and the amounts were in range, there was no indication of a suspicious use of the card, that the questionnaire I completed was inconsistent ( probably because I do not speak English ), and that the audit was not consistent with a skimmed card. This investigation was not proper because the conclusions do not agree with the documents. The activity was not normal. I deposit money from the same source every month and make withdrawals in small amounts. During the weeks in question, checks for XXXX were deposited in my account and withdrawals for XXXX were made. I got copies of the checks, and it is obvious that the identity thief forged my name. I filed a complaint with the police and they are investigating. I never said the card was skimmed. I said my ATM card was lost or stolen. There is no way that I would have forged checks and deposited them to my own account when I just would have had to pay the money back myself after the checks were no good. I work hard as a home attendant and my daughter is XXXX. The only income I receive are payments from my employment and my daughter 's XXXX check. Several of the checks deposited were drawn on a Construction company account. I have never worked in construction. It makes no sense. I have several accounts with the bank. The one with the fraud is the one I use to deposit my daughter 's checks. They have frozen the one where I deposit my work checks. They say I owe them {$11000.00} because of these fraudulent checks. But I never made the deposits or the withdrawals.
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CO)

I had a scammer who said they worked for XXXX XXXX XXXX from my cash app account. XXXX XXXX XXXX, and XXXX. Called the cash app support and they said there is nothing they can do. I asked cant they reverse the transactions since the scammer has an account with them and they said no. I gave them the scammers account name and they said there is nothing they can do. I find it hard to believe that a repeatable company wouldnt be able to access an account in their system and get back my money. I would think they would want to help the consumer from getting scammed again and delete that account from their system or at least give information about the account to the authorities to help take them down.
Consumer complaint received 2021-06-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I leased a XXXX XXXX XXXX last XXXX, XXXX in which I've been making payments to Chrysler Capital each month. On XX/XX/XXXX Chrysler received 2 checks for the buyout of this lease in the total amount of the buyout price they submitted to me. On check for {$9800.00} was received and applied to the account. The other check for {$19000.00} was also received, and confirmed to me verbally via phone by 1 customer rep and 1 manager and then 1 woman from the executive offices all within the date range of XX/XX/XXXX - XX/XX/XXXX. None of those people could tell me why my check had not been applied to my account yet. They each told me they would " expedite '' the post but as of XX/XX/XXXX, it still has not been posted nor have any of them called me back as promised. Their customer service has been unprofessional in addition to the mystery as to why they are holding this check, although numerous claims have been made my them that they will post it right away. I'm sure I'll be receiving a bill for interest accrued on an account that should have been paid and closed on XX/XX/XXXX.
Consumer complaint received 2017-04-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Fairway Independent Mortgage Corporation (CO)

I applied for a home mortgage and everything was approved so we started looking at houses. We put in one offer but wasnt accepted. We found another house and went to put in a offer on it and i was told by my mortgage company that they lost the approval and could not get it back. Thdey told me they dont know what happened and could not figure it out. I have been waiting 2 days to hear from them and have not heard anything from them at all.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX  XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc (RI)

XX/XX/XXXX Chime did not properly follow XXXX laws and allowed me to open a chime account without properly checking my id. They did it using just my Ssn. 

I was under the understanding opening any form of bank account required a government id. Not just a Ssn. 

I closed the account immediately after checking To protect myself. 

All I want is to ensure that fraudsters can't open accounts in American citizens names. If a company can't protect our data they shouldn't be in business. 

I would like to emphasize, I was never once asked for the Required Id before being sent a virtual debit card. 

This potential breach avenue could easily lead to problems and needs fixing. Fin techs or whatever they're called Need to be held to higher standards than brick and mortar due to the Anonymous nature of the Internet
Consumer complaint received 2017-08-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (CO)

I have a voluntary repossession on my credit report that i had continued to make payments on even after the car was repossessed. I satisfied the loan in full but it still is showing on my report as if i owe XXXX still. They have not updated the account balance even though I 've been done making payments to them for over 2 months now.