davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

My primary loan servicer in XXXX was Nelnet. I sent them my tax return in XXXX, which was {$0.00}. I also applied for REPAY plan and got it. started a job as a XXXX XXXX. They asked me for my pay sub and I sent them. They calculated my monthly payment as {$340.00}. My loans are around {$500000.00}. My annual income is ~XXXX prior to pretax reduction and taxes. The pay sub I sent them was an overestimate. Even with overestimation, my total gross income ( pretax ) was {$55000.00}. Based on FSA repayment calculator, a minimum charge should have been {$300.00}. From what I understand the REPAY plan is 10 % of Discretionary income. My Discretionary income in XXXX ( based on that pay sub that I sent ) is : ( $ XXXX XXXX ( pretax reduction ) - XXXX ) =XXXX  ( biweekly ) XXXX= $ XXXX {$12000.00} ( poverty guideline hhs XXXX ) = {$34000.00}. 10 % of this is XXXX. XXXX per month. If I put this in FSA loan repayment calculator wand choose PFLS and my monthly payment is {$130.00} per month. I brought this to their attention multiple times. I called them multiple times and talked to managers and different reps and they told me that's how it works. I also called a week ago and they brush me off. I also have a twin sister with the same amount of loans but making {$5000.00} per year less than me and she paid {$0.00} last year and this year she is paying {$10.00}. When Nelnet transferred my loans to XXXX for consolidation. XXXX XXXX  did not change the payment. I am in communication with them to reevaluate. It is very hard for me to pay {$350.00} per month. It is very unfair. It seems like XXXX XXXX  servicer does not want to refund me either. But, my main complaint is about Nelnet. It would be great if you follow up with XXXX too. BAsed on my tax return my AGI is {$25000.00}. I just can not believe there is this much difference in their calculation and my tax return calculation. I appreciate your time
Consumer complaint received 2017-06-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MO)

I rented a car for a trip back in   XXXX   XXXX   XXXX     from   XXXX   XXXX   XXXX   XXXX  . I had the car for  two weeks. During the duration of having the rental there was a small hail storm. Upon turning in  the rental I was told that the car had hail damage. It did not hail anywhere near where I live which is where the car was located inside of my garage. When we arrived to get the rental what we reserved was n't ready. We waited 45 minutes before we even left in the rental and the car was n't gone over with us to access any damages that could have occurred while the previous renters had it. I have now received  XXXX  collections  XXXX  in the amount of {$1100.00} and  XXXX  in the amount of {$230.00} from  Trans-world Systems INC. Collection ag ency. This is n't accurate this is fraud. I am NOT responsible for the damages to the rental because it did n't happen while it was in my possession. If these collection accounts are n't resolved in a timely manner I am filing a class action law suit against the collection agency as well as   XXXX   XXXX   XXXX   XXXX  .
Consumer complaint received 2019-01-25
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)

I am not familiar with XXXX pay and did not understand the great risk this provides to consumers. I believed this to be safe as it was through my Chase bank app. I have been with Chase for almost 20 years and trust their mobile banking and now am sadly regretful. I am being told to deal with the merchant except the merchant has refused to answer my inquiries and now shut down communication. The website of the said merchant looks entirely legitamite and is even using the faces of highly successful brands with individuals linked to their social media without their consent. In performing research of the phone number and other associated information available through PI it is very clear this merchant is continually creating new account title holders to perpetuate this cycle of fraud. Furthermore as this is a non fixed voip being used I believe they are fraudulently using the identity of the real XXXX XXXX Chase Bank told me they wouldnt even investigate, report this to XXXX or allow me to file a report or take any potential recourse for the matter. There isnt even a protocol in place to address this issue yet! The chase mobile app verbiage makes a point to deceptively position this app as under the branch of Chase banking service and as such, imply a degree of entitlement to its customer service protection protocols. Chase has your back which reads on the very same link as the XXXX tab ... .is most certainly not true. This places consumers at risk when using this mobile service and does not flag the concern of Chase in the slightest. At minimum the risk of using XXXX on your mobile banking app must realistically be made aware to the public as it stands to be potentially devastating I have plans to file reports with all corresponding authorities as well as notify and contact the individual whose identity is being misused to inform him. I also intend to urge My neighbor who works in television that the news network should perhaps present the risk of using XXXX and XXXX integrated banking apps to the public. I understand fraud and scamming are overwhelming rampant but a banking mogul such as Chase not having any recourse of action is simply a risk that needs to Be disclosed more throughly. I would not have clicked on the to link to the extent I did if I would have been better informed.
Consumer complaint received 2019-01-25
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. (NY)

I spoke with XXXX XXXX  customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XX/XX/XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.
Consumer complaint received 2019-07-21
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. (NC)

I submitted to Equifax a dispute involving XXXX XXXX. The account is incorrectly reporting with Equifax and I provided documentation and full credit reports to display the inaccuracies and request deletion Equifax says they did an investigation of my claims but they did not address any of the errors or delete the account in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks XXXX XXXX
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I tried to get my free annual report online. The challenge questions seemed to be about accounts I did not recognize. When XXXX would not let me see my report, I sent my request in writing. Equifax wrote back to say they needed Identification and Address documents. I responded onXX/XX/XXXX, including large copies of my Social Security card and Florida driver license ( which shows my current address ). Equifax sent me a form letter, saying, again, that they need Identification and Address documents. So, today I am sending my request to them in writing again, with new copies of my Social Security card and driver license, since they may have lost the first ones.
Consumer complaint received 2021-10-29
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. (MD)

On XX/XX/XXXX I submitted a letter to Equifax in regards to two unauthorized hard inquiries that were place on my credit report reported by the same company named XXXX, first one was dated XX/XX/XXXX and second XX/XX/XXXX. I did not give permission for XXXX to pull my credit. I requested Equifax to delete these two inquiries from my credit report immediately which still has not been done. I've made several attempts to have Equifax to honor this request. Upon speaking with different representatives and the fraud department to investigate this matter I was told that I had to file a complaint with the FTC/cfpc before they would remove these two hard inquiries. I am now reaching out to you to help me to have this matter resolved asap! I also want to state that I sent Equifax documentation explaining in detail my concern and resolution that I'm seeking. This was sent by cerified USPS mail. I received receipt of delivery on XX/XX/XXXX that my letter had been received by Equifax. 
Thank you for your attention to this request, US citizen.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.
Consumer complaint received 2019-07-30
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. (IL)

I SUBMITTED SEVERAL DISPUTES OF INACCURACIES ON MY CREDIT REPORT. I EXPLAINED WHATS INCORRECT AND CB REFUSED TO GET CORRECT AND REMOVE OR CORRECT OFF CREDIT REPORT. ITEMS ARE INCONSISTANT ACROSS ALL 3 CB..THEY ARE NOT OBEYING THE FCRA LAWS AND NOW IN VIOLATIONS..
Consumer complaint received 2019-04-04
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: Credit Plus Inc (NY)

I do not authorized This company to run or check my credit there is no prove signed or verbally to confirm my concern. Unprofessional costumer service rude and XXXX. They not try to resolve my problem but they answer back with attitude. All the conversation I have with there costumer service is voice recorded and will be upload and everybody will know with what kind of company deal with. They respond that they are 3rd party company and they run the credits behalf some other companies such I don't have no idea what they are and why they looking on my personal info and when you contact them after they broke down your credit they offer you service to repair and ask for a money to remove inquires this is a rip of.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MA)

I use online bill payment with    XXXX   XXXX   XXXX   (  XXXX  )  to pay my credit card bill to TDBank (  XXXX   XXXX   XXXX  ). I made my  XXXX   2017  payment via  XXXX  's online bill pay. TDBank cashed the check, but applied the payment to the wrong account. TDBank then began assessing late fees. I called TDBank 's customer service and collections department multiple times in  XXXX  and  XXXX  to dispute the late fees. These calls were recorded so I am on record as disputing the fees. Despite my paying the bill on time and disputing the late fees, TDBank falsely reported me as delinquent to the credit bureau.  <P/>  XXXX  sent the cancelled check directly to TDBank to prove the payment was made on-time. TDBank still argued that they did n't receive the check - despite having endorsed and cashed it. On  XXXX   XXXX ,  2017 , myself and my  XXXX  representative called  TDBank  's collection department together. In a one-hour recorded conversation, TDBank finally researched this issue and admitted the funds were received on-time but applied to the wrong account.  XXXX  at TDBank agreed to correct the error by properly applying my payment to my account, reversing the late fees and correctly reporting to the credit bureau. Both  XXXX  and TDBank recorded this call. Instead of correcting the error, TDBank again reported the disputed late fees to the credit bureau. I called TDBank again today,  XXXX   XXXX . In another recorded call, the representative again admitted that it was TDBank 's error. She claimed I was reported to credit bureau because the department responsible for fixing the mistake had n't fixed it yet and that she could n't fix it herself. She would not let me speak with the department responsible for fixing the mistake or provide any time frame for when it would be fixed. I asked for a  manager  on  XXXX   XXXX  and  XXXX   XXXX . I was told no managers were available and that I was " in que '' and would receive a call back in  48-72 h ours. I never received a call back. TDBank 's customer service department will not help me because they claim my account is in collections and only the collections department can correct the error.  <P/> I can not escalate this issue to TDBank 's Ombudsman because the bank 's dispute resolution process requires a written response from a  manager denying my requested relief. The manager manager will  not even return my calls, much less respond it writing so I 'm stuck.
Consumer complaint received 2017-06-02
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: Santander Consumer USA Holdings Inc. (NC)

I co-signed for a vehicle on behalf of my ex wife. The vehicle was repossessed in XX/XX/XXXX. I received a XXXX cancelation of debt and instructed to file it on my XX/XX/XXXX taxes. I did so after talking to Santander and being informed it would bring the charge off balance to {$0.00}. Needless to say they lied. After applying for a loan recently I was denied due to the account having a substantial balance. Not to mention this account is over 9 years old now. When I called Santander to ask about this, they were extremely rude to me and told me the XXXX was merely a formality. Being XXXX XXXX I know this is not a formality. I am writing asking with help in resolving this issue. It has cost me several opportunities over the years. I do n't check my credit file and had no clue this was going on since I have never once spoken to them because my divorce changed my contact information and address. The only reason I received the XXXX is because my daughter found it in the trash at my ex wife 's home and saw my name on it. Santander has been very hard to deal with on this matter and we need assistance in order to grow our company, an effort thwarted over the last few years by this matter. Thank you for your time and attention to this.
Consumer complaint received 2019-04-04
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. (GA)

Someone else 's information is reporting on my credit report. I previously tried to dispute this error. The company responded that it could not find my file and ask me to send verifying information. I sent that information but never received a response. I am not sure whether I sent it to the wrong address but I nothing has changed. I am writing Consumer Financial Protection Bureau today to provide the documentation that was requested and hope that you can forward this information to the credit bureau for me.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

Hello, am an XXXX XXXX living in XXXX. am suspicious of D theft and requested my annual report online but could not get one. The answering machine wants to send me one by postal to my USA address. cant get it since i am not there. 

Please send me one as an email report on my computer. How can get one? 

Thanks,
Consumer complaint received 2019-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I noticed my account was debited both ACH and debit card charged for company call XXXX XXXX XXXX XXXX chase reversed charges except two charges in the amount of XXXX and XXXX they refuse to credit back I sent in my police report for claim they won't accept.
Consumer complaint received 2019-11-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I lost my job a few months ago ( XX/XX/XXXX ). I did not call Navient until today ( XX/XX/XXXX ) because I figured I would have full-time employment by now. I was told I do not qualify for forbearance because I've maxed it out, I was told I do not qualify for a deferment because of the loan types, I was told I could not lower my payments beyond what they were. I do not have income or a means to pay them. I was told to contact a placement agency but there wasn't anything they could do to work with me on this. 

I am not trying to avoid paying my debts but I have been struggling with this since my graduation in XXXX. Both companies are not being held accountable for this situation yet I am.
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

I recently tried to get an apartment in my name. A apartment complex reviewed my report and informed me that I had a debt in collection from  XXXX   XXXX , a apartment complex in  XXXX  TX. I 've never stayed in  XXXX  before and do n't know where this debt came from. I called the debt collection agency, Profession Debt Mediation ; they informed me that someone named  XXXX   XXXX  had opened the account with  XXXX   XXXX . He used my social security name in order to open the account. My name is  XXXX   XXXX , phone number  XXXX  address  XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX , TX  XXXX
Consumer complaint received 2017-06-02
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. (LA)

XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  is reporting incorrect information showing the wrong date when the payment should be paid. The payment is due the  XXXX  of each month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cover the  XXXX / XXXX / 17  payment because I mailed the payment and was lost in  the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occasions in which it was not. I have not missed a payment because the manager tol d me to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for  XXXX /2017 and  XXXX /2017 not date due which is the  XXXX  of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XXXX  of each month and paid  XXXX  payment on  XXXX / XXXX / 17 . The payment was due on  XXXX / XXXX / 17  and 10 days before a payment is due but reported. Equifax is showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't  pay on the due date but sending to the Credit Bureau. I am paying more than what is due at times. See attached
Consumer complaint received 2019-04-04
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 (NC)

XX/XX/XXXX My credit card was stolen from the XXXX in XXXX, XXXX on XXXX XXXX. I called and reported my credit card as stolen and the charges made as fraudulent that night. I was told that the credit card would be refunded of the money within 10 business days, typically sooner. The fradulent charges are for the following amounts : QT XXXX - {$20.00} QT XXXX - {$10.00} XXXX XXXX - {$1.00} XXXX XXXX - {$1.00} XXXX XXXX - {$1.00} XXXX XXXX XXXX - {$9.00} XX/XX/XXXX I went in person into Wells Fargo at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX around XXXX and spoke to a teller. I relayed the information about the credit card to the banker to ensure the account had been cancelled. I was assured it had been ; I again noted the charges that were made on the account. I also got a new debit card at this point ; the debit card is not related to the charges. 
XXXX I called in to Wells Fargo and was told the fraud charges were not marked. This after being told on the phone and in person that the charges were marked as fraud and would be refunded. I summarily closed the credit card account and paid the balance. 

I am unable to get an answer from Wells Fargo as to whether the charges will be refunded now since the card has been closed and I no longer have a Wells Fargo account. I find this unacceptable ; Wells Fargo has said it will take an additional 10 days to process, despite the mistake not being my own. Additionally, they are unable to guarantee that the fraudulent funds will be returned to me after my conversations ; only that they will process the return into an account that is no longer active.