davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 

15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12.

15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( student loans ) directly or indirectly by the issuer of a credit card. 

NELNET whom is the student loan servicer had disclosed the account balances as well.
Consumer complaint received 2021-04-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc. (UT)

A business debt was owed to XXXX and was credited off of the account effective XX/XX/XXXX for service that was disconnected. Due to the service being reactivated in XX/XX/XXXX, XXXX said after 60 days they would credit the account with the full deactivation fee to bring it to a XXXX  balance. 
- I received a call from XXXX XXXX XXXX on XX/XX/XXXX and discussed that service had been reactivated and that the account would be credited. They said they still showed the balance as open and would not be able to close it until XXXX closed the balance. I called XXXX to ask them to close the dispute because the service was back on and a credit was scheduled to be applied. They said they couldn't, but I shouldn't receive any additional calls. 
-I received a call from XXXX XXXX XXXX on XX/XX/XXXX and once again told them that the debt was disputed. I called XXXX customer service again to discuss the situation and how this should be resolved and to please stop the calls. They saw it on their end and said that it should be taken care of now. 
-I received a call from XXXX XXXX XXXX on XX/XX/XXXX and once again told them that the debt was disputed. I called XXXX customer service again to discuss the situation and they showed no debt on their end. 
-I received a call from Windham Professionals on XX/XX/XXXX and the debt collector hung up the call after I began to tell him that the debt was already resolved. 
-A letter was sent from Windham Professionals on XX/XX/XXXX threatening collection activities for the debt to XXXX . 
-I called XXXX XXXX customer service line on XX/XX/XXXX and asked for copies of the company 's bills to send to Windham Professionals , including - A letter was sent to Windham Professionals on XX/XX/XXXX notifying them that the debt was satisfied, the debt was disputed, to stop communication with us, and record the dispute. 
-A debt collector from Windham Professionals called on XX/XX/XXXX and claimed no knowledge of the aforementioned letter. I told him he was harassing me at this point and had been notified already of the situation. He was suddenly able to find a bill showing the credit. He did not say that it would be satisfied, merely that XXXX told him to call.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NV)

I experienced fraud transactions on my acct with us bank, several were credited back but others werent. I expressed to US Bank I didnt authorize the transactions because I have been dealing with a an illness thats required me to have treatment and at times Ive spent multiple days in the hospital. On XX/XX/22 a rep called me asking for me to send my medical paperwork to them if not they would reverse provisional credit. I informed her that it would take me more time and she said I needed to do it by end of day Ive been sick, my XXXX causes me to exp weakness multiple days of throwing up and Ive been in and out of hospital. I dont understand why US bank is asking me for my medical docs as my doc stated its a HIPPA violation, I expressed this multiple times to them and no resolution and I havent received my funds back.
Consumer complaint received 2021-03-19
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: SYNCHRONY FINANCIAL (NY)

XXXX/ XXXX XXXX/XXXX  ... Has yet to give me results for a dispute over 30 days ago.. Nor has they responded to my letter asking why its over 30 days and I havent had any results
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am asking for your help to address the wrong account being reported on my credit profile. This mistake has damaged my reputation, and I need your assistance. The incorrect information you've added has negatively impacted me, and I request its removal.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX is reporting inaccurate information Equifax credit report. They are reporting that I was late 30 days 11 time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of times and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (PA)

I stayed at XXXX XXXX XXXX from XX/XX/2018 to XX/XX/2018 for a National Conference for my occupation. The Conference was held at this hotel. 

I had a legitimate bill from the Hotel for {$980.00}. However, they also charged me {$1000.00} for the hotel stay of another conference guest that I have never met or heard of. I know the details of the fraudulent purchase because Wells Fargo reported that to me during their investigation. The hotel would not tell me who the person was who made the purchase. The hotel claims they have an authorization from me for that guest to use my card, which is absolutely untrue. I have seen the documents presented to my card issuer ( Wells Fargo ), and it was merely a receipt for which my card info was used. There is no signature of any kind to accompany the card info, or any kind of form that would give my purchasing power to another person. I was in physical possession of the card the entire time. 

Wells Fargo is not willing to overturn the fraudulent charge in my favor, but there is absolutely no legitimate reason for that decision. 

Please help!
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (KY)

BB & T consistently reorders debits in order to charge more overdraft fees. Please see attached examples. According to customer service, BB & T policy is to only remove 1 overdraft fee every 24 months. So by this policy BB & T can repeatedly reorder debit transactions to cause customer to incur unlimited amounts of overdraft fees with no recourse other than arbitration with a mediator chosen by BB & T. ( This type practice often results in business ' choosing mediators that consistently find in the business ' favor ). The most recent example I attached is a recurring online payment that caused my account to overdraft. This is my fault and not in dispute. What I am disputing are the other 3 overdraft fees that are the result of reordering. The debits were later hard posted in the correct order, clearly showing the account was not overdrawn at times those purchases were made. This happens routinely. If I " opt-out '', I am charged {$36.00} for the account to be " reviewed '' and the purchase denied for insufficient funds. When I call customer service I am told " sorry, our software won't allow me to take those overdraft fees off ''. This seems fraudulent and deceptive.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DC)

I have credit cards not reported with an excellent payment history, credit cards paid off and aren't supposed to be reporting, credit relationships discharged against the creditor by the XXXX  XXXX  court that they are still reporting in errors. 

The detailed letter provided gives full names, account numbers, dates, and amounts to be corrected. 

The creditors are also reporting data in collections or in charge off status in a current month, despite Covid relief mandates, as though they weren't informed of the same. 

My credit score isn't correct on the three reports.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax, XXXX and XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2021-03-19
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: CBC Companies, Inc. (NY)

I XXXX XXXX NEVER GAVE THESE Innovis Consumer Assistance  ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! Innovis Consumer Assistance IS BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I had a two accounts at chase bank, Sunday everything was fine come Monday I tried to use my debit card and the card was declined. I called Chase Bank and was told my accounts were closed and no reason could be given. My chase accounts were in good standing, no overdraft, funds stayed above a certain limit. Im stuck and confused, they really could not give me a reason why the account was closed the representative could only say they have no reason and when I receive an official letter that as well will be vague. I am highly disappointed and very angry.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (NY)

I am extremely concerned about Charles Schwab 's debit card dispute process. During recent travel, I used their visa debit card at an ATM. The ATM took the money but dispensed no cash. As such, I contacted Charles Schwab to file a dispute. That was a week ago and when I called to check on it today, I was told it can take up to 10 business days just to have a reviewer assigned to it! Then after that, it can take additional time to review the claim! This is someone's debit card, meaning their cash is at stake here. 10 days to get a claim to a reviewer, then another period of time to review it is too long and can not be legal - if it is, it shouldn't be. My dispute is for a relatively small amount, approximately {$23.00} but that's not the point. What if someone experiences something larger? This dispute policy is unacceptable.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I received an email for a cancelled flight on a trip I had booked. I immediately contacted Chase Travel rewards in regards to this and cancelled my trip. I was told that the cancellation was successful and I will be receiving my points back from me. I could expect to receive the XXXX back in approximately 3-4 business days. Great. This did not happen. I went to the portal again to contact someone on XX/XX/XXXX in regards to this. They said they are going to look into this and will get in contact with me in a few days. Ok cool. Nobody had called me yet again. I finally called on XX/XX/XXXX in regards to this. Explained my situation and was told I will not receive my points back. After being told over 2 weeks ago that I was? I wanted to speak to a manager and waited on hold for one for 30 minutes. Finally, I said just call me back I don't have the time. I have yet to hear back from them 3 days later. I am forced to make this complaint because I was told one thing and then told another 2 weeks later. You can't say I will receive my points back and then say nevermind you aren't going to now.
Consumer complaint received 2018-12-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I received a letter from American Education Services on XX/XX/XXXX stating that the terms of my loan had changed. My monthly payment increased from {$110.00} per month to {$290.00} per month. 

My loans have always been on automatic payment and I have never missed a payment. However, it turns out the company had failed - for a number of years - to gradually raise my payments to sufficiently cover principal and interest. This mean I'd been paying primarily interest for a number of years and not paying down the principal in a timely manner. American Education Services never notified me of this and it seems were not even aware of it themselves. 

When I contacted the company about their error, they did nothing to rectify the situation. 

It does not seem fair given that I had automatic payment set up and have been a diligent payer for many years. I had no way of knowing my payments should have been gradually increasing. It should be the company 's responsibility to request the appropriate payments from the borrower over time.
Consumer complaint received 2018-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (DE)

In XXXX of 2014 I was seeing a XXXX in XXXX XXXX, DE for XXXX  XXXX XXXX. After several weeks of treatment the XXXX   sent me to get an XXXX done at XXXX XXXX XXXX  XXXX XXXX in XXXX, DE. The results showed that I had XXXX XXXX at three areas on my XXXX. I continued treatment at the XXXX. I am now on a wellness plan with a different XXXX  4 years later and attend monthly appointments unless there is a flare-up in which case I attend more weekly. 

I was billed {$2000.00} for this XXXX but was not aware that is was on my credit report. I had health insurance at the time with XXXX and since my XXXX  sent me with a referral I do not believe I should have to pay the full amount for the XXXX. 
It is detrimental to my credit report, but I was unaware. I believe since I moved around a lot the bills were not being sent to my correct address and so I did not fight it back in 2014.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

LVNV Funding LLC # XXXX has been seeking payment on a debt not owed. 
They are a debt collector. It is on all my three bureaus and want it removed asap.

The debt was discharged.

The amount is {$2800.00}
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

This is complaint against Synchrony Home Design Credit Card. I had this card over 2 years now. But when I did my refinance back in XXXX my title company issued a check of the full amount on the credit card. They posted the payment at one point and then they reversed it back on the account in XXXX and since then they are reporting my account past due. I called them multiple time to fix this but they are not cooperative at all. I had a brief call this morning to find out what is going on with that account. The account manager tells me that there was some more information required in order to process the payment which I was never informed prior to today. She also claimed that they still have the check in their possession. I asked them what information they need and once I provide that how long will it take to resolve this issue she tells me it can still take up to another 60 days which I feel it should not be as everything on the account currently is because of their mistake. I would like to resolve the issue at the earliest.
Consumer complaint received 2018-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I applied for the REPAYE plan in XXXX of XXXX. I was informed by Navient that my school had not updated my status in regards to my graduation in the end of XXXX. I called my school XXXX university and the problem was rectified and was informed by navient that my loans would be consolidated and after that my REPAYE plan would be processed. After this I did not receive any notification from them regarding my repayment plan until today XX/XX/XXXX. I was informed via phone call that my payments were delinquent. After I informed them that this was incorrect as I am currently a XXXX  XXXX, I was informed that my REPAYE plan was never processed and they told me that I never uploaded proof of income, which is false. As a student that year I was not working and after speaking with their representative at the end of XXXX of XXXX I was told to upload my proof of income, with my last job being in XXXX and I uploaded my pay stub to their website. After speaking with a representative today they sent a notification to my previous address, that I did not live at anymore and then was informed that they sent me a letter in XXXX of XXXX to my new address regarding this information that I did not receive. I was never called or emailed ( my preffered method of contact which I choose on their website ) and now I am stuck paying roughly {$7000.00} in intrest on loans that I would not have paid if my REPAYE plan had been processed. Again I uploaded this information in XXXX of XXXX and called again at the end of XXXX to confirm all my documentation was correct and I was told everything was correct and my documentation would be processed after my loans were consolidated. Not only was I deliberately misguided by Navients representatives they according to them only attempted to notify me once about this issue 4 and a half months ago.
Consumer complaint received 2019-02-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've tried to dispute inquiries on my file and I get the runaround. I've tried reaching out to the vendors, I've tried reaching out to the credit bureaus and both keep telling me to contact the other one. 

Listed are the inaccurate files : XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (CA)

The inquiries below need to remove due to unrecognized on my Equifax personal credit report. 

XXXX XXXX on XX/XX/2022 XXXX