davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CA)

Lender is XXXX XXXX servicing a XXXX XXXX. 

Lender website only indicated that I owed {$510.00}, but lender reported to all credit reporting agencies that I owed the total amount of the loan ( just under {$12000.00} XXXX. However, this loan was actually paid off in full when I refinanced at the end of last year. I received a letter from the new lender ( under which I refinanced my loan ) on XX/XX/2020 indicating that payoffs have been sent to University Accounting Service , LLC ( UAS Connect ). Despite this, the loan servicer reported that I was 30-59 days late on my XXXX loan payment. Furthermore, the loan servicer reported that not only was a regular payment due, but that the total principal of the loan was the amount due in XXXX. This severely impacted my XXXXredit score. After noticing this on my credit score, I went to the website and noticed that the only amount the servicer would allow me to pay off was {$510.00}. I paid this off in order to resolve the credit issue. Shortly after paying this off, I received a notification that I was actually owed {$510.00}, despite the fact that my {$510.00} payment was made in accordance with what UAS Connect indicated to me was the total amount due at that moment. 

It is entirely unacceptable that a loan servicer would behave in such a disorganized manner, especially when their disorganization directly impacts my credit score. My payment history attests to the fact that I had been making payments on time consistently until UAS Connect 's mixup in XXXX. UAS Connect 's incorrect reporting caused my credit score to drop 48 points. 

I was forced to file disputes with all three major credit bureaus regarding the loan amount. Apparently, UAS Connect had not even changed the status of my account for the past few months, despite my refinancer sending the payoff in late XXXX. Upon receiving my dispute, UAS updated the status of the account but did nothing to alter negative remarks to the credit score. 

This is a clear violation of Section 623 of the Fair Credit Reporting Act.
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (AZ)

In accordance with the fair credit reporting act XXXX XXXX Account XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-03
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: Nelnet, Inc. (PA)

Department of Education continues to increase payments on credit file. Currently enrolled in XXXX XXXX XXXX XXXX XXXX. Account is currently in Forbearance. Made several Attempts to resolve with company.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for the American Express Platinum Card XX/XX/2016. AmEx automatically enrolled me in their Travel Insurance Program without my ever signing up for it. AmEx then charged me {$19.00} when I bought a flight ticket from XXXX XXXX. When I saw the charge I disputed it and asked for a complete refund as I had never signed up for this insurance. However AmEx refuses to refund it and is making me run from pillar to post. I have already disputed it three times with AmEx and chatted with their customer service reps. They keep passing the buck to someone else and waste my time.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX I logged into my Citi XXXX account to make sure that a direct deposit from my paycheck was received, please note I have had this direct deposit set up to reoccur from each paycheck since XX/XX/XXXX ( {$100.00} twice monthly ) without previous issue. I contacted Citi through their chat support function and was told a recent transaction ( the reoccuring direct deposit ) was flagged for fraud and I would need to contact the Fraud Servicing Unit at XXXX. On XX/XX/XXXX I called the number provided and gave my information to an associate, explained the situation, he told me he couldn't do anything and would need to transfer me. I was put on hold for more than an hour, gave my information to the new associate who then proceeded to tell me that my account was blocked and flagged for closure and I would receive a check with my funds within 60 days. When I politely asked why the account was closed, she told me she didn't have any additional information and promptly ended the conversation and disconnected the line. Confused, I proceeded to call the customer service number, XXXX, got through very quickly and was again told my account had been blocked, I would receive a letter once it had been closed, and would receive a check within 60 days of receiving the closure letter. I am relieved that this is not my only bank/source of money since I will not be receiving the funds for at least 60 days if at all. For most people who are living paycheck to paycheck, this would be a complete nightmare. Lesson learned, do not bank with Citi.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was scammed out of {$3500.00} by someone acting as a representative of my title company when closing on a home. Bank of America did not follow any of their protocols when processing the wire. It was wired from one Bank of America to another a few towns away. Bank of America says there is nothing they can do to recover my funds.
Consumer complaint received 2019-11-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

My XXXX is the primary loan borrower and I am the co-signer. I and my XXXX in XXXX had tried to work with Navient/Sallie Mae to repay this loan, however, they are not willing to work with her in a reasonable payment plan for her budget. I did make interest only payments when she could not pay in previous years but I became permanently XXXX in XXXX and on Social security so I can not afford to pay any payments. I will never be able to work again and will be on XXXX for the rest of my life. I asked to be released from the loan due to my XXXX. They told me, the co-signer, that I can not be taken off the loan for permanently being XXXX but if the primary borrower became XXXX they would take her off. Then in XXXX - I, the co-signer, received a letter from Navient stating that if I paid {$10000.00} dollars they would take me off the loans. I am lucky if I have {$100.00} dollars in savings so where would I get {$10000.00}. 

I have always paid my bills and had excellent credit - now my credit is ruined and I am getting collections agencies hassling me for full payment or a judgement will be brought against me. 

Is there anything that can be done to help me & my XXXX? PLEASE HELP
Consumer complaint received 2019-11-03
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 legally changed my name and gender and my credit has been tanking ever since and I can not get any loans or creidt. Background checks, credit checks, credit scores, etc all show under my old legal name and gender and despite contacting them for over a year now, nothing has been updated and my credit is still 100-200 points lower than it was with a name that is not updated. I do not know what else to do! Please assist.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (WA)

I applied for Chase card for myself only. Chase opened an account for me and my wife ( who does not want anything to do with Chase based on her past experience with Chase ). In the application, no information about my wife was provided.

When the new card account was created, it appears that Chase never closed my past accounts and retained all the information. It feels like they are storing private information on all who come into contact with them indefinitely. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-11-03
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: BARCLAYS BANK DELAWARE (NJ)

On the early morning of XX/XX/XXXX, I received an alert via the Barclays app of a transaction on my wifes card I didnt recognize. I proceeded to block the card at that time, the next day the following transactions were on my card : XXXX # XXXX XX/XX/2019 {$24.00} XXXX # XXXX XX/XX/2019 {$30.00} XXXX  # XXXX XX/XX/2019 {$87.00} XXXX # XXXX XX/XX/2019 {$340.00} XXXX XXXX # XXXX XX/XX/2019 {$26.00} The next day, I received a call from Barclays in which I confirmed which transactions were fraudulent. We have never bought anything from the stores above, nor do we live nearby those stores. 

After talking to Barclays, they said they would be reversed those transactions from my account. However, after 3 days, the transactions were applied to my account. After contacting them again, they said they have deemed the transactions to be valid and they have closed this dispute without further explanation.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

Discover initiated a verification process without my consent. The results were very disappointing stating that they could not verify me because I did not file any tax forms in the XX/XX/XXXX-XX/XX/XXXX year and wasn't required to do so. They decided to close my account because of this decision which is unacceptable and now they are ripping me off with an over {$2000.00} balance that they claim I still owe which I am disputing because it was hacked.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Citibank blocked my account from XX/XX/XXXX, because they told me that it was in the process of closing, that they were going to close my account and that the money that was in the account would be sent to me in a check. The reason they closed it to me was because the bank doesn't want any more relations with me, that's fine. But that was on XX/XX/XXXX and we are on XX/XX/XXXX and they never sent me anything, and when I call they only tell me that the account was blocked and is in the closing process, and that when they close it they will send me a check, it The same thing that they told me since XX/XX/XXXX. They have always told me that the process according to Citibank lasts from XXXX to XXXX business days but 7 months have already passed and they do not tell me anything about my money, they only have no more information and that's it. I had almost {$2000.00} in the account and it doesn't say anything.
Consumer complaint received 2019-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (CA)

I encountered an emergency XXXX XXXX while at an urgent care center. The urgent care nurse advised I need to go to the hospital, they called an Ambulance to take me to the hospital, which was XXXX XXXX in XXXX XXXX. 
After this incident I never received a bill from XXXX XXXX. My insurance company sent a statement that they had paid a bill to XXXX XXXX for {$550.00}. I thought it was taken care of. Months later I received a notice from Grant Mercantile Collections that XXXX XXXX was trying to collect an additional {$3000.00} and had now sent the bill to collections and is reporting on my credit report as an unpaid bill. 
I spoke with XXXX XXXX, they admitted that they had the wrong address on file when sending the bills. They would not offer to take a settlement payment. They said it was too late and to contact the collection agency they sold it to. The collection agency letter still has the wrong address on the letter as well. 
This practice is called balance billing, ambulance companies are taking advantage of a situation where they can bill above and beyond what insurance covers and there is no recourse. There are laws now preventing doctors from doing this, however ambulance companies are able to. Pending new law is moving through California legislature to outlaw this practice specifically for ambulance companies.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (CA)

I have on multiple occasions disputed the information that is being reported on my credit file without my permission. And each and every time, they do a robot reply that its verified. As such the wrong information is still being reported and I have been hurt adversely and it is NOT FAIR. 
According to all the credit reporting rules and FRCA, CCRAA etc... ALL information MUST BE ACCURATE. But these ERRORS are being reported without my permission and as such is a VIOLATION of all these Fair Credit Acts as well as a violation of my PRIVACY.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM XXXX XXXX OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC (NJ)

My name is XXXX XXXX XXXX and my address was XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX County, NJ. My home is in foreclosure with Ditech Financial. I am attempting to proceed with a deed in lieu however, they advise me there is a judgement against me. IT IS NOT. The judgement is against XXXX and XXXX XXXX of XXXX, NY. It was filed in XXXX County, NJ by a gentleman named XXXX XXXX in the amount of {$11000.00}. 

How does this get corrected? The mortgage company will not listen and has been stonewalling me since XX/XX/2019 - advising me about this judgement last month. 

Please tell me how to fix this - I have no money as I am unable to find gainful employment in the state of NJ that will support an apartment and fear I will be homeless soon. 

Thank you.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper is in violation of the CARES Act by reporting late payments to the credit agencies while the property was in forebearance as a result of the COVID emergency. 

Mr Cooper has the following in its possession 1 ). the approved forbearance letter from Mr. Cooper, dated XX/XX/2020 for the time period of XX/XX/2020 through XX/XX/2020, 2 ). notice from Mr. Cooper that the mortgage was paid-in-full on XX/XX/2020 and 3. ) XXXX credit report showing late payments for XX/XX/2020 and XX/XX/2020. 
I have spoken with four individuals at Mr. Cooper on XX/XX/2020 ( two contacts ), XX/XX/2020 and XX/XX/2020. There is a credit dispute on file with Mr. Cooper, dated XX/XX/2020. Mr. Cooper 's claim is it takes 30 days to resolve. This is unacceptable in that it is a violation of Federal law and should be remedied immediately. Additionally the credit error is preventing me from proceeding with a refinance on my primary residence mortgage which has negative financial implications.
Consumer complaint received 2019-11-02
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. (FL)

Hello, I have been disputing a total of 18 inaccurate student loan late payments from XX/XX/2015- XX/XX/2015 ( accounts-XXXX/ XXXX XXXX ) that recently appeared on my credit report with Equifax. Also the same accounts are reported differently with XXXX I had my address updated with them, also providing a valid and current Driver License and Social Security card and banking statement with my correct current address during disputes. Because they sent letters to my current address requesting verification of my identity, but still report wrong address on my credit report How is that possible? I even called them numerous of times to have them update my identity with current information. So now I pull my credit report and they are yet again still reporting wrong address ( proof enclosed ) and now these late payments have shown up on accounts listed which were not there before. Clearly a violation with the FCRA, and I want to take legal action on this matter.
Consumer complaint received 2019-11-03
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: BARCLAYS BANK DELAWARE (FL)

Greetings, On XX/XX/XXXX XXXX XXXX XXXX XXXX ( vendor ) charged my Barclays XXXX  credit card {$1800.00} by mistake. On XX/XX/XXXX XXXX XXXX XXXX refunded the {$1800.00} and sent me the receipt. 
10 business days later Barclays my credit card company will not take the charge off my statement. I have Called customer service several times and faxed the refund receipt to Barclays. The customer service rep on the phone even acknowledged that Barclays has received the refund from the merchant but still will not remove the charge from my statement. Thus I have put the charge into dispute a week ago. 
Case # XXXX card ending in # XXXX I would Appreciate any help on the matter. 
Barclays credit card customer service XXXX
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

According to your site information on the type of transaction taken unauthorized by me on my debit card checking and savings account through Chase bank, your site identifies the problem as phishing. The individuals had a fake XXXX web page set up with a XXXX toll number for XXXX customer service XXXX I contacted the number and they immediately asked me if I had XXXX account or XXXX account. I said yes, and before I could request what I needed done they had me sending a small amount to my daughter through XXXX to see if my account was active. Then they asked me to send to someone they knew a small amount to see if I was sending correctly I guess? XXXX 's account information was attached along with the transaction information to this complaint. Once this was done I began to realize this was looking like something illegal and hung up my cell phone. I immediately called.my.bank and asked them to close my account which at that point nothing had occurred or was showing on my account. The next morning there was activity that had happened and {$490.00} dollars had been sent to the individual whose name and account information I was given and still have registered on my account. I contacted my bank and they said they're not responsible for the transaction because I was scammed. I asked if they could close my checking account and the said we stopped your debit card they shouldn't be able to access your checking account because you didn't give them your account number. Well that same day another transaction occurred this time for {$1500.00} dollars and then again for approximately {$490.00} dollars. I have screen shots of these transactions. Chase doesn't think they're responsible and will not help me recover the funds that were illegally removed from my account. This doesn't seem right because they told me they couldn't access my checking account even after they cut my debit card which is all I gave these crooks to work with and my XXXX and XXXX accounts. Can you help me with this issue? Thank you!