davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (OK)

I am a natural person, i am a living human being I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times I demand the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and i did not give equifax written permission to furnish these accounts. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following iters of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any Information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Accounts XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Comerica (TX)

A ) '' On XX/XX/2018 I went to XXXX XXXX XXXX headquarters at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX of XXXX. I spent {$1500.00} when converted into USD from {$200000.00} JMD. I was unable to receive my purchases and requested a cancelation and/or refund in XX/XX/2018 from merchant as well as my credit payment issuers whom were the store manager of XXXX XXXX XXXX XXXX XXXX as advised along with XXXX XXXX. However, XXXX XXXX   XXXX has been denying all of my claims including category B listed below. Others were unmentioned here ''. Images are attached. 


B ) '' On XX/XX/2018 ; I went to the XXXX XXXX check in kiosk and front desk to obtain my boarding pass for that day. I had five suitcases and the airline staff refused to allow any carry-on or free checked bags. I was uncertain that this was the right policy. 
I was uncertain that this was the right policy for this " XXXX XXXX '' XXXX XXXX arrangement ticket # XXXX. Record Locator XXXX. However, they made no exceptions to my protests. '' " I proceeded to check all bags at the kiosk. I was charged {$610.00} dollars. '' " Upon weighing my bags on the weigh station ; I was again charged {$400.00} after that initial payment ''. 

" I have submitted a claim to the XXXX XXXX online Customer Support Center with copies of passport, travel/payment itinerary and boarding pass which I had prepaid in the amount of $ XXXX+XXXX prefer seating as well as {$25.00} telephone ticketing service on XX/XX/2018. Noted oncrdit summary in amouns of {$330.00}, {$12.00}, and {$25.00}. '' " I was overcharged for travel services by the XXXX XXXX Agents and Representative 's on day of travel and unreceived benefits during prepaid registration for my choice of ticketing and seating preference in business or first class. I was placed in a group 6 but was next to almost last for boarding. I did not get a first class or business type extra such as baggage fee rules ... XXXX $ {$25.00} for 1st bag  ;. {$35.00} for 2nd bag ; ... {$150.00} for 4th bag, ... ..etc. 

For instance ; Allowances were for >100 pounds ( 51/23kgs to 70/32kgs ) ; >200 pounds ( 62in=157cm ).
Consumer complaint received 2022-03-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I was on a payment plan for a medical bill with XXXX. I was making my payments on time for over 8 months. My debit card attached to my payments was compromised. Someone stole my info and was charging online. My bank cancelled my debit card. The same day my card was cancelled my XXXX payment went through and declined due to the card being cancelled. I realized this 5 days later when I was still looking at what was attached to that debit card number. I then made the payment. I was notified by XXXX a week later I was sent to a collection agency. I called the collection agency they stated if the balance was not paid in 21 days it would be reported to my credit report. I went to the XXXX office and explained the problem they stated if I could prove my card was stolen they would take the account back. I got all the info and submitted it to XXXX. They then told me they could not take my account back from the collection agency. I was NEVER late on a payment, so therefore how can I be turned over to a agency and 21 days later it was reported on my credit report. On the credit report it said I was delinquent since XX/XX/21. This all happened in XX/XX/XXXX. I thought you have to be 180 days late even to be reported to a collection agency.
Consumer complaint received 2018-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I was contacted by Wells Fargo regarding my loan which is less than one year old claiming they made a mistake on the taxes on my loan. Then I was told it was a property tax increase. I had opened a fixed loan and my payment was to remain at XXXX for 30 years. They claimed it was an escrow shortage now i am being asked to pay well over XXXX dollars. I am on a fixed income and this is not what I expected with a 30 year fixed FHA. 
Do I have the right to stick with the original contract.
Consumer complaint received 2018-12-06
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. (WA)

I sent 2 round of dispute letter to XXXX, Equifax, and XXXX  to send me verification and validation of 3 charge off accounts I found on my credit report they refused to comply with my request.
Consumer complaint received 2018-12-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I am on XXXX  XXXX i have been working with companies received XXXX and XXXX  XXXX suspension in XX/XX/2016 and was told all taken care of my loan discharged I havent heard from no one Receiving letters from XXXX XXXX now Navient Post Claims Assistant I am on XXXX due to stress why isnt this havent been take care of I have been on top of everything Im currently working with Student Advocates submitted all my paperwork and another total temporary discharge form. 

Now after interests loan is XXXX im sitting on debt on XXXX income for 10 years now My number is XXXX. XXXX XXXX XXXX. XXXX XXXX  Maiden Name
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

In XX/XX/XXXX, I took out an unsecured loan to help finance aircraft rental. The lender was XXXX XXXX. The rental company was XXXX  ( XXXX XXXX XXXX ) located in XXXX, FL. I fell on hard times and was unable to repay the loan. XX/XX/XXXX the account was closed. 
XXXX is reporting to the credit agencies that this was an education loan. In no way shape or form was this an education loan. XXXX  is not an accredited college or university. No degree was ever offered or obtained. 
As such, as of XX/XX/XXXX seven years has passed. This is the limit of ability to report and or a line item to remain on a persons credit report.
Consumer complaint received 2020-12-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Durham & Durham, LLP (GA)

I am disputing the validity of this debt/ bill. I have XXXX XXXX XXXX military ) and have had it since XX/XX/2009 which is 11 years. I contacted XXXX to inquire about this bill and I was advised that the claim was never submitted to XXXX for payment. I was advised to call XXXX XXXX XXXX and have them submit the bill for payment and the rep at XXXX advised they would not submit the bill because the claim was old even though XXXX advised to resubmit. Instead, the rep offered me a settlement of the bill in which I declined because my insurance should pick up the bill. Someone dropped the ball at the hospital in which I should not be at fault.
Consumer complaint received 2022-03-01
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. (GA)

This is a HARD INQUIRY REMOVAL request. There are 9 unauthorized inquiries that need to be removed from my equifax report. I have sent in multiple letters and complaints. 
Dates : XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

Chase bank is harrasing me about a transaction that was a result of identity theft. The person who accessed my account made a XXXX transaction of {$500.00}. I called the bank immediately when I noticed the transaction on my bank account and they told me that they would refund me the {$500.00} and also they told me to close the account due to the IDENTIFY THEFT. However, they called me today saying there is a negative balance on the account. This account is closed as requested per the bank. I would like Chase bank to cease and desist all communication methods. Lastly, I also want you to remove the negative balance from the account
Consumer complaint received 2021-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

I was illegally billed for medical services provided according to California bill ( AB 72 ). I notified the original creditor of their error and was assured it would be corrected. Instead they sent it to collections. Contacted both parties. Original creditor keeps claiming Im correct and dont owe the money but cant figure out why they havent pulled it back from collection agency. Collection agency asked for a letter from insurance stating I dont owe the money. I provided the letter more than 30 days ago. Ive called multiple times sense then, every time I call both parties Im told Im right I dont owe the money but they continue to blame the other party for why its not being removed from my credit report. Knowing I dont owe they continue to close any dispute I open verifying the debt and increasing the balance owed every month. At this point I feel they are doing this intentionally. They admit I dont owe the money and was billed incorrectly, but refuse to put supervisors or anyone who can actually fix the problem on the phone and refuse to remove from credit file.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc. (MO)

On XX/XX/21 at XXXX am XXXX XXXX of XXXX XXXX contacted regarding a collection account. I advised Mr. XXXX since this is his first time contacting me that I was uncomfortable verifying my information. First, he only mentioned the name of the company but asked for me to verify last 4 of ssn, address, and date of birth. Stating to him that I needed to know who he was with and the matter he became aggressive with his tone and stated he already told me XXXX XXXX. Upon him giving the type of account I asked that he provide me via mail a verification of debt. In an aggressive tone he stated I had already gotten this information and he would send via email. I advised no email to send to and he cut me off mid sentence. Stated that this is not the first time I have been contacted regarding this account and he would tell the lender that I am uncooperative and threatened next course of action. I advised Mr. XXXX that I am at work and can not talk at the moment. He became irrate and said since this matter isn't important to me he would proceed with the next actions. Throughout the conversation I asked why was he continuing to cut me off mid sentence and threatening next action when this is his first time contacting me. After being overtalked for so long I asked for a supervisor. I advised him that I was at work and provided an alternate phone number. This company representatives continued to talk when I clearly stated I could not talk. Very aggressive and threatens next action when you ask for their credentials and verification of a debt prior to paying. This is my right as a consumer and in todays society it would be foolish to provide any personal information to complete strangers.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NV)

On XX/XX/XXXX I called direct express about some unauthorized charges on my account and they said that they were cancelling my card and sending me out a new card so I updated my mailing address with them and they charged me a {$4.00} card replacement fee plus {$13.00} expedited mailing fee. I was supposed to receive the new card on XX/XX/XXXX but when I checked with the office on XX/XX/XXXX I discovered that I never received the card. So I contacted direct express again since I didn't receive the new card. They informed me that they would re-issue me another new card had me verify my mailing address which I did and again charged me a {$4.00} replacement card fee and {$13.00} expedited mailing fee. Unfortunately I never received that card either and spent almost an entire day trying to track down the ups driver who delivered the card which finally he came back to my house and informed me that it was delivered to the wrong space number as that's how it was addressed as well as the previous package by the shipper. So again on XX/XX/XXXX I contacted direct express and was really upset and asked them don't they even check and verify that the address is correct when they ask for it? They said they are supposed to yes. They apologized for the inconvenience and corrected the space number and again re-issued another card which again I was charged a {$4.00} replacement card fee and {$13.00} expedited mailing fee but was guaranteed that all charges would be reversed not to worry. I just contacted direct express to find out the status of the charges being reversed and was told that the requests were denied.
Consumer complaint received 2021-03-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I have contacted XXXX, and Equifax online, and/or on the phone, they had both decreased my score, 13 points after my overall debt DEACREASED, the points were put back, however, they have been doing this over the course of 8 months, I had been paying down my debt, I would see great your debt has decreased by X amount of dollars, then followed by my score DECREASING rather then increasing! My scores were close to XXXX, the only accurate score is that of XXXX. They have not looked into previous decrease errors in my score, and I am tired of sitting on the phone, not getting return emails, constantly getting robo responses rather than listenting and looking into my actualy complaint. It is unfair and incorrect, fraudulent practice I have never seen before in my life and I keep tabs on my credit report.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

At some time mid XXXX, I became a victim of a scam based on the lies of a loan company after applying for a loan, on line. As a result and many 'conversations ', the bank, Chase Bank , first said they were closing my account after a suspension of my access to the account, this was maybe early to mid XXXX ... which they never did despite telling me repeatedly that was the 'process ' and the 'bank ' had made the decision to close the account. 

My access being 'limited ' I could not watch the flow of what was taking place. Calling the all access, automated number I could listen to what was taking place. Plus I had different companies calling me telling me my payments had been paid at first but then reversed ... telling me I owe them more money. 

Not only that they, Chase Bank, kept my Social Security check to cover some of the money they say I owe them stemming from the 'scam ' I had been exposed to. There are several actions with that Social Security check such as a debit, a credit & a returned ... what does that even mean? 

While I have tried to communicate over the phone, everyone transfers me around until I speak to a department with a bad telephone connection. Most times with the same accent of those who pulled the scam. Ends up being no direct answers, just more lies & confusion or putting me on hold until there is a disconnection. 

Went in to a branch at least twice and got told more lies about the disposition of my Social Security check plus confusion with statements like 'call this number ... they will be able to tell you more, I have no more information ' ... same number I was calling that had the bad connection every time I called. 

Truth be told, after all I have gone through attempting to resolve this issue, I truly believe the bank was part of the 'scam '!!!! My account, per telephone automatic system in now {$3100.00} dollars 'overdrawn '. This even after reversing legitimate payments I have made to merchants & holding my Social Security Check ... the whole thing, plus all the lies I was told about my stimulus check ... which they sent back to the sender. 

Something is not 'legally ' right about the way this was handled, the lies I was told, the lack of information & the activity on the account even after I was blocked from seeing what was taking place. I can no longer go round & round!!! 

I was the one who was scammed based on the lies I was told by the scammer. I would have chosen different if the truth had been told. Instead I feel as though I am being scammed again by the bank ... they are even taking back money that was truly owed to merchants ... this can't be legal!!!
Consumer complaint received 2015-11-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STATE FARM BANK, FSB (WI)

XXXX XXXX 2015 I saw that my State Farm credit card had expired XXXX 2015. I called to inquire where my updated card was and they informed me the card had been canceled. The customer service rep was n't able to tell me why, but said they would have someone call me the next business day. That call did happen and I was informed the card was closed XXXX 2015 due to inactivity. I had used the card XXXX 2015. I never received a letter stating that my card was going to be cancelled or had been cancelled. The woman I spoke with regarding why card was canceled told me they do n't mail letters-they just close out the card without informing the customer.
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 belongs to someone else
Company: EQUIFAX, INC. (PA)

I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Thanks you
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Today XX/XX/XXXX, I called XXXX to remove my information front credit report but was told that they did not remove the information because Equidax is suppose do that. I then called Equidfax and they told me that it was the responsibility of XXXX to report it wrong. A little got was a run around from both. My student loan was discharged in XXXX. I have had other issues with Equifax not removing incorrect information on my credit report. The other credit reporting companies have removed this information. I hope you can help b cause I do not want to have to pay for a lawyer to solve this.
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

Addendum to complaint XXXX On Monday XX/XX/19, after speaking to a financial advisor who told me I should try to get REPAYE bc remaining interest above 10 % would be forgiven. I said Nelnet told me I was disqualified bc I had XXXX loans. He advised me to ask if my consolidating those, I could get the grad loans on REPAYE. I called Nelnet, and was told I COULD qualify for REPAYE, but would be charged XXXX to " make a change. '' I asked to speak to management because 1. I had been told prior I did not qualify for REPAYE, but was not given any solution ( the solution would have been to switch my XXXX loans from IBR to REPAYE early in the process and avoid " making a change '' penalties '' ) Additionally, I was told I still needed to send in a self certified letter to qualify for IBR, which I had been stalling on so I could gather all this information and do my own research before finalizing it, after becoming aware of all the " change '' penalties, and having made the unfortunate discovery that Nelnet servicers would tell me something different every time. So come yesterday, somehow I am fully locked into IBR and will need to pay penalties to switch to REPAYE. If I had been given the correct guidance from the very start there would be no 22k penalty, however 3 different loan servicers lead me to believe that IBR was the only way and i was stuck paying a third the balance on IBR with a wildly snowballing principal. I confirmed this fact w the penultimate phone call and NO ONE EVER SAID, hey wait you will avoid having a huge balance in 25 years if you do REPAYE instead. These people apparently think we are dealign with XXXX money and that it's ok to have people that don't understand finance from a long term standpoint dishing out instructions and advice that have horrible long term consequences. The manager agreed with me that I was not given complete information, but said he could not  reverse the XXXX penalty.