davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MA)

I am {$190000.00} in debt with Sallie Mae for my XXXX degree from a public university. I was never told that my loans could never be consolidated, and that the company would be expecting over {$2000.00} a month from me for the combined monthly payments of all of my loans. Eventually, after forbearance for the maximum amount of time and a few months of missed payments, I was able to negotiate down the monthly payment to {$1000.00}. I have been paying this since XXXX of this year, with occasional help from my cosigner. This amount is simply unsustainable for me, as well as for my XXXX year old retired grandmother who never went to college and would have never cosigned my loans for me if she knew it would cause so much stress and financial hardship after I graduated. The company has regularly taken money from my bank account without my consent, causing me to miss rent and car payments. I do not know what to do, I can not keep paying this large amount every month and neither can my cosigner, who is on a retirement income. Due to the pandemic, I had to cancel my plans to move for employment ; and now, due to these high monthly payments, I am unable to save any money to better my life. My landlords are raising my rent and I already barely eat or buy necessities, and I feel utterly hopeless about my financial situation as long as these high monthly payments are being demanded of me.
Consumer complaint received 2022-05-02
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. (PA)

In accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX XXXXXXXX XXXX, on XX/XX/2021. Has violated my rights 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 an account without my written instruction.
Consumer complaint received 2022-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

On the date we scheduled the oral XXXX, we paid our portion that was owed for XXXX. They billed the insurance for the remainder. We never heard from the doctor again, and now have received a collection notice when we were told that the out of pocket we paid covered everything.
Consumer complaint received 2022-05-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Last XXXX XXXX, 2021, I sent out my dispute letter to you and its been over 5 months now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.
Consumer complaint received 2022-10-31
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)

I am trying to get the credit report from Equifax. I used the web site provided to try to get all three credit reports. 
The Equifax page gave an error message and a phone number to call. I did and had a horrible experience. The phone menu is useless and tries to send you to the web page, which just kicked me out. They kept going in several loops until I opted to file some form so that I could get to an agent. 
The agent asked several questions to try to verify my identity. He said the system couldn't verify me and couldn't say why so he asked for my cell number so that I could take a picture of my drivers license, my SS card and myself to send back to them. When I complained he gave me an address to request by mail. 

I have been able to get my credit report over the years without any problem. My impression is that Equifax does not want to provide the information for free and would like to steer people to a paid site.
Consumer complaint received 2022-06-01
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. (CA)

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, has violated my rights. 
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.
Consumer complaint received 2022-05-02
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. (TX)

There are inquiries on my credit report that i didnt authorize and i am so dissapointed because my information suppose to be protected at all times.. i have been contacting the cra 's quit sometimes now in no one is responding to my matter at all.. however i can proceed with court matters if this isnt resolved because the cra 's has already violated my rights 1. ignoring 2. running my credit when i didnt authorize 3. inaccuracies 4. motion distress..

i am requesting under section 15. US 1681 PER 609 PER 604 that these inquires remove that i didnt authorize nor given permission they have 24-72 hours to fix
Consumer complaint received 2022-10-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (TX)

I closed on this loan on XX/XX/XXXX with the XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that the loan was transfered to Gateway First Bank> The letter also stated that nothing else about my mortgage payment will change. I received a letter from Gateway XX/XX/XXXX stating the same. 

Sometime later I received a letter from Gateway First Bank stating that my property insurance had expired and I needed to purchase property insurance, including wind and hail. As this was not the case, I assumed that they had made another error ( In XXXX they had made a mistake with the escrow, collecting my mortgage payment and placing it in tax escrow. I am 100 % XXXX XXXX XXXX exempt from taxes and the initial loan was written without a tax escrow. This was rectified ). 

On XX/XX/XXXX, I received another letter stating that the property insurance was expired on this property and I needed to purchase wind and hail. They, Gateway First Bank, had purchased wind and hail for me and I would be responsible for the charges. I phoned Gateway on XXXX and spoke with 4 cus service reps who informed me that my homeowners insurance did not include Wind and hail coverage and that I had to purchase it. I explained to them that I was informed by XXXX XXXX that I did not live in flood or XXXX XXXX and I was not required to purchase wind and hail to close on my loan. I closed without wind and hail coverage. Each individual at Gateway Bank explained that it XXXX not have been required with XXXX XXXX, but now that they are servicing the loan, Gateway requires it. They repeated over and over that I need to purchase wind and hail because they have purchased it on my property, since XXXX, and I would be responsible for payment of the policy they purchased. I made them aware that all correspondence from both the previous bank ( XXXX XXXX ) and themselves ( Gateway First Bank ) stated that nothing about the mortgage loan would change, just who collects it. They continued to express that their bank ( Gateway ) is now requiring wind and hail, although I was not required to have it with XXXX XXXX and it closed. I also asked them to provide documentation to show that this coverage is required on my loan after closing or to have the situation escalated to be resolved. They refused.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AZ)

Complaint against Vanilla Gift card. Card was purchased as a gift in the amount of XXXX dollars, from XXXX grocery store. The card funds were stolen in less than XXXX hours. Contacted Vanilla Gift card they said they would email a form. Never happened. Card was purchased on XX/XX/XXXX. Funds were gone by XX/XX/XXXX. I seriously doubt I will get the money. It was spent. Talked to 3 agents. Git the run around. 1 agent wouldn't even talk.
Consumer complaint received 2022-05-02
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX UNKNOWN FURNISHER account # XXXX ( {$400.00} ) UNKNOWN FURNISHER account # XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (GA)

Synchrony Banks Amazon Store Card XXXX XXXX was unsolicited. XXXX XXXX did not knowingly apply for Synchrony Banks Amazon Store Card. Changes on card XXXX XXXX are currently over {$150.00} for issuance fee, interest fees, and late fees because XXXX XXXX does not have a Synchrony Banks Amazon Store Card, and XXXX XXXX has not made any purchase using Synchrony Banks Amazon Store Card. I do not know how Synchrony Bank ensnared XXXX XXXX in its Amazon Store Card scheme, however ; I do think that XXXX XXXX  is Synchrony Banks Amazon Store Card only victim. Please investigate Synchrony Banks Amazon Store Card fraudulent activity to protect XXXX XXXX and others and please have all information regarding XXXX XXXX expunged from Synchrony Banks Amazon Store Card records. Respectfully XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (OK)

The Credit Bureaus have been doing nothin despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victom of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions byt filing a lawsuti against the Credit Bureaus and sue them for the damaged taken due to therur incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them them to remove the following items completely from my Credit Report at the earliest possible time : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00}
Consumer complaint received 2022-05-02
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)

I have made multiple disputed with Equifax. 

They are violating my consumer rights tremendously. 

Per Consumer law 15 U.S. Code 1681c2 States that you are required to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days of receipt without prejudice. 

I have sent multiple disputes via mail and through CFPB. The company replied back that they sent the notification via mail and they did. 

However, they sent me back a generic verified result when I asked for verification and validation that I owe the debt. 

Equifax has failed for the 4th time to send me proof that i owe this debt or an application bearing my signature. To this date neither has been provided. 

Equifax has up right refused to block this fraud after I have provided police reports and a FTC report. Equifax is the only CRA that refuses to abide by consumer law. 

Equifax dispute results confirmation numbersXXXX & XXXX ( results are attached ) This company is neglecting the rights of consumers and causing people to endure hardship due to their negligence. 

All items attached were sent to Equifax via mail and received XX/XX/22 per XXXX tracking. 

This is my second FTC report being sent to Equifax.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (WA)

On XXXX XX/XX/2022 at about XXXX XXXX I called the Wells Fargo customer service line to enroll in online banking. A male person in charge of customer service calling himself " XXXX '' claimed my telephone number on file with Wells Fargo rendered the account ineligible for an online account. I pushed back by asserting that Wells Fargo had indeed validated the number upon opening the account, then I told him to text the verification code to validate the number. " XXXX '' refused to do so and continued gaslighting me with claims that he couldn't put in writing because they were not truthful and not factual. I stated to " XXXX '' that Wells Fargo was indeed practicing a form of redlining by claiming my phone number was ineligible for online banking. I told him the area code of my phone number corresponds to a city with large population of XXXX Americans. Back in the XXXX and XXXX, banks such as Wells Fargo frequently denied banking services, accounts, and loans to XXXX Americans whose phone numbers were tied with their physical addresses in XXXX areas. 

Later that morning, I escalated the phone call to a department that receives and supposedly investigates discrimination complaints. The female customer service representative became defensive when I stated to her that by using the claim the bank did not verify the phone number to deny an online banking account, Wells Fargo actively engaged in the discriminatory practice of redlining. She continued with the gaslighting until I reasserted the claim that Wells Fargo was indeed actively discriminating against me. The customer service representative made vague assurances someone would review the situation and contact me at an unspecified date. 

Wells Fargo practices redlining when the financial institution refuses to XXXX access to mobile banking based on false claims that customers are ineligible for services because the bank refuses to verify phone numbers.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (AZ)

re : National Recovery Agency, XXXXXXXX XXXXOn XX/XX/XXXX I first learned of this debt when they sent a text to my husband 's number. They did have my number but known sent it to someone else. 
I called and tried to communicate with them but they hung up on me bc I would not verify my information when all I had received was a text to a number that is not mine. I did provide my info eventually and send a formal dispute.

I called the medical provider/creditor and they had mistakenly listed my current address as invalid and I never received a bill of any kind. 
On XX/XX/XXXX after confirming the debt with my insurance provider, I paid the provider in full who promised to notify the collection agency. 
On XX/XX/XXXX I received my first written communication from either the collection agency or medical provider/creditor and that was only a copy of the creditor statement dated XX/XX/22. 
On XX/XX/1922 I received notice that they reported me to the credit reporting agencies. 
This agency is aggressive, rude and wrong at every level.
Consumer complaint received 2022-10-31
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)

Called Equifax on XX/XX/2022, spoke with an agent that stated he would need me to send my Id in along with paperwork.. I stated I already did and its no need too and if I could speak with the agent supervisor. The supervisor XXXX XXXX, agent id XXXX  told me that they can not delete anything off my credit report and would need to dispute and investigate it! I never gave Equifax written consent in the first place 15 USC 1681b ( 2 ) and that is identity theft.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX XXXX XXXX XXXX has been repeatedly calling and contacting me by text through various phone numbers to collect a debt that had been paid ( twice in fact ) and had also been subsequently pursued by another debt collector post payment. 

I incurred a GE/Old Navy debt some time in the early XXXX. There was only XXXX GE/Old XXXX account ever applied for. 

My husband paid the debt sometime in mid XXXX to a debt collector and did not document, so in XX/XX/XXXX he settled the debt again for {$350.00} and we have the documentation. 

Early XXXX, another debt collector ( XXXX XXXX XXXX ) started harassing me to collect on the same debt, we showed proof of payment yet they claimed it was not the same debt so we reported that debt collector to CFPB XX/XX/XXXX case # XXXX and have those emails as proof. The debt collector never contacted me again after we reported them. 

In XXXX, We also attempted to call GE/Old Navy to see if they could provide proof there were ever 2 accounts and they could not prove there were 2 accounts. 

Recently a XXXX debt collector XXXX has begun to repeatedly call me and text me for the same exact debt. I called and spoke to them and sent them proof of payment from XXXX and they ( also ) insisted it was a different account ( there were never 2 GE/Old Navy accounts ). They do not have an email or an address on their website and documentation can only be submitted via their website so I can not provide proof of that communication but each time they text I ask for an email address and do not get a reply. They refuse to communicate in writing. They are threatening to report to the credit bureau now. 

XXXX refuses to do the legwork to confirm there was only 1 GE/Old Navy acct and refuses to acknowledge our paperwork showing proof of payment as well as the subsequent complaint of trying to collect on the same account. There is no proof from GE/Old Navy that 2 accounts ever existed and each debt collector seems to come up with their own acct # in an attempt to fraudulently collect this debt. 

I am reporting this agency XXXX as I have made multiple attempts to prove this is the same debt and they will not cease harassing me daily through various text and calls. This debt has been paid, twice, and these collectors keep trying to insist its a different debt. 

Phone # XXXX they have used : XXXX XXXX XXXX XXXX XXXX no name XXXX no name included XXXX XXXX XXXX XXXX XXXX XXXX XXXX skip tracing dept prelegal
Consumer complaint received 2022-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Dear Staff, today, XX/XX/XXXX I contacted Navient concerning my private student loan and the eligibility requirements for the Navient Settlement. I was told initially, that my private loan was not eligible then, i was told no one could see if my private was eligible or not. I am attaching my loan history to provide evidence that my loan was attained between XXXX XXXX, while attending XXXX XXXX University and University XXXX XXXX, and was delinquent beginning XXXX more than 11 consecutive months, which is prior to the deadline and I have a subprime rate.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (IA)

Last month my Apple/Goldman Sach card didnt do the autopay correctly - and I got charged a interest fee I called in, fixed it, and asked them to waive fee and paid what they said I needed to pay. 

Then this month I paid in full early. But still got an interest charge. 

I contacted them and they said oh you didnt pay on full last month I reminded them that was Apple/Goldman Sach error XXXX 

They just kept saying you didnt pay in full las t month so this month even though I paid in full they are charging interest. 

They wont refund this month or fully refund last month. 

What card requires 2 months if paying in full to wait interest for the current month?!?!? 

Again. I setup autopay from my account. They made a mistake. I tried to fix it but they didnt fully refund it. Then this month I confirmed I paid in full but still got charged interest again. 

I think this is Apple scamming into getting interest charges they do not deserve