davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CA)

I opened a Credit Card with XXXX XXXX, with 0 % interest for 12 months. After I was approved, they sent me some checks that I didn't request. After using one of the checks I got an {$89.00} fee and they started charging me interest. 
Why are they allowed to send these checks that are full of fees? I sing up for a credit card with the conditions I agreed, I didn't agree about them sending these checks with all this fees and interest. 

When I called to ask they said that if I wanted to pay off the debt, I would have a {$200.00} interest fee, I said to them that they just charged me {$45.00} interest a few days ago and I should be able to pay off with no penalties. 
They said they charge daily interest. 

What can I do?? 

Thank you for your help
Consumer complaint received 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

I have a student loan balance of nearly {$200000.00}. Since I graduated, I have been on an Income Driven Repayment Plan and timely applied for my annual renewals. My payments under the plan have consistently been around $ 400/month. My most recent renewal was submitted on XX/XX/XXXX. On XX/XX/XXXX, I received an emails stating I have " been approved for an income-driven repayment plan... You'll receive your payment schedule... 45 days before your first payment is due. '' As of today, my next payment under the new IDR Plan schedule is XX/XX/XXXX. However, I have not received my payment schedule and it states my next payment on XX/XX/XXXX will be for over $ 2,000/month.
Consumer complaint received 2021-04-23
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. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/2020 my spouse 's XXXX account was hacked and fraudulent purchases made. We both use our XXXX XXXX rewards card for our purchases. We contacted XXXX and the issue was at first resolved. The transaction was cancelled, and we replaced our credit cards just in case. 

Later, we received an email from XXXX saying Chase had disputed the refund and we needed to pay our my spouse 's XXXX account would be locked. We were advised by XXXX that we needed to handle this issue with Chase bank. 

I have spent at least six hours on the phone last month, as well as sending electronic messages through Chase 's secure message system and even sending a direct message on XXXX. It was through XXXX I was able to get a fraud reporting number which unfortunately is not immediately apparent on Chase 's website. 

My last communication with Chase on this issue, approximately two weeks ago was by phone. The agent assured me they would credit my account for {$50.00}. This has not happened. 

I feel that the amount of time I have spent chasing this {$50.00} is absurd, even taking into consideration the pandemic. If anything, Chase should be devoting more resources to protecting their customers from fraud considering the spike in scams taking advantage of the pandemic. As an aside, I am also concerned that XXXX would effectively hold someone's online shopping account hostage during a pandemic when we are supposed to be social distancing, simply because Chase bank is unable to process fraud claims.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY (GA)

I am a consumer pursuant to 15 USC 1692 ( a ) ( 3 ).

According to the Fair Debt Collections Practices Act, the company I bank with- Wells Fargo is a debt collector and has violated the FDCPA and the Truth in Lending Act. 

They are requesting I pay {$220.00}. 

According to the federal law, payment is gold or silver. 

The actions I have taken to address the matter is disputing the account that is my name. I have notified them that I'm a consumer and that they have used abusive, deceptive, due to unfair debt collection practices. 


Also I reached out privately to the company by mail disputing the alleged account that is in my name. I invoked my specified remedy as the creditor that the company lift the hold or suspension that's preventing me from actively using the account. Report as paid in full- showing my account reflection of it no longer being negative. As well as I instructed them to compensate me the monetary amount in damages listed on the invoice I sent with my affidavit for violating federal law that totaled to be {$16000.00}. 

The company committed the following violations 15 U.S.C. 1692 ( b ) ( 2 ) 15 U.S.C. 1692 ( b ) ( 3 ) 15 U.S.C. 1692 ( b ) ( 4 ) 15 U.S.C. 1692 ( c ) ( a ) 15 U.S.C. 1692 ( c ) ( a ) ( 1 ) 15 U.S.C. 1692 ( d ) ( 2 ) 15 U.S.C. 1692 ( d ) ( 5 ) 15 U.S.C. 1692 ( e ) ( 2 ) ( a ) 15 U.S.C. 1692 ( f ) ( 7 ) 15 U.S.C. 1692 ( g ) ( a ) 15 U.S.C. 1692 ( g ) ( a ) ( 1 ) XXXX XXXX the 'Case Specialist ' in the Enterprise Complaints Management Office responded on behalf of Wells Fargo stating that " We respectfully decline your request for compensation as were able to determine no error occurred '' in regards to my demand for compensation.
Consumer complaint received 2020-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I joined Equifax just so I would get better service, and the service is still awful. I disputed one account last year and it was supposed to be removed, however recently I saw that Equifax is still reporting it incorrectly. I also have tried with all three of the reporting agencies about the removal of late payment, they can't be investigating it correctly because I contacted the company and was told that they could not find a late payment. Additionally, all of these companies report better scores when you become a member. This has to be fraudulent behavior. I would like to have all three companies to be investigated about having to be a member in order to get your score reported correctly.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

UNABLE TO REGAIN ACCESS TO MYEQUIFAX.COM UNLESS I SEND A COPY OF MY SOCIAL SECURITY CARD TO EQUIFAX. 
I have been unable to logon to myequifax.com due to the company awaiting specific documentation to identify myself. To fix this, i faxed my drivers license along with my social security number, birthdate, name and address with a request to correct my access the site, myequifax.com. they had me successfully change my password but still could still not get in online. The next day i was advised that even though i've been identified ( i finally was able to get thru to someone on the phone and they were able to identify me, unfreeze my account and request a copy of my credit report be sent to me ) they could not fix my online access unless i again submitted all my previous sent information BUT in addition I HAD TO ADD/SEND A COPY OF MY SOCIAL SECURITY CARD. I was told that if if didn't send in a copy of my social security card then i would not be able to get access to myequifax.com. I asked if any other document would suffice in addition to my driver 's license and was told, no, i had to specifically send in a copy of my social security card. 
I feel it is unreasonalbe ( not to mention a personal security exposure XXXX to be forced to send them a copy of my social security card to gain online access to Equifax. Especially, since thisis the primary means the public has to maintain and view their Equifax information. 
I am hoping your department can do something to have Equifax improve its methods of confirming idenitication ; they ask plenty of questions ( repeatedly ) and have this information on file already.

Equifax is VERY difficult to work with and nees to improve their processes. Their staff is process bound and simply follow scripts with no interest or desire to understand and fix situations beyond what the script calls for. 
Their response to this will probably be telling me their process is to require the social security card and i have to send it in along with sending the drivers license again, with no attempt to resolve what i consider an unreasonable and unfair requirement.they need to fix their process/procedures. 
I am hoping there is someone there that can help me re-gain my access to myequifax.com site. 
Thank you in advance for any assistance you can provide.
Consumer complaint received 2021-04-29
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I had a Chase XXXX XXXX checking account about 3 years ago and i was a victim of theft and fraud. My Debit Card had been stolen and was used to deposit fraudulent fake checks through my account and the money was then withdrew in advanced. Of course the check bounced and i was left with an outstanding balance of around {$4000.00}. At that time i was a minor and didnt know much of anything. I made a report with chase and told them that i did not make any of those transactions and they didnt help at all. They closed my account and left me with over {$4000.00} to pay in an outstanding balance. I think this is unfair because i was a victim in fraud and being a minor i was scared and didnt know what to do.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CO)

I received a solicitation from XXXX by XXXX XXXX in the mail on XXXX/XXXX/XXXX addressed to my XXXX XXXX XXXX daughter saying she is eligible to apply for a personal loan. I called XXXX ( XXXX ) to request they remove every individual at my mailing address from their solicitation list. The XXXX representative asked for the names of all individuals in the household, which I refused. The representative said they would not be able to remove " everyone '' at the address unless I gave their names, and suggest I contact every credit reporting company with my complaint. I disagree with this practice as it violates my childrens ' right to privacy and protection against predation. XXXX XXXX has no need or right to request the names of my children.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (WA)

I opened an account with the Netspend Corporation on or around XX/XX/XXXX so I could receive the CARES Act payment of {$1200.00}. I am homeless and I use my Mom 's home address and email address. The payment was scheduled and transmitted on XX/XX/XXXX. The Netspend Corporation accepted my deposit in account R/T ( Routing ) Number : XXXX Account Number : XXXX. I made a few purchases and a cash withdrawal. On XX/XX/XXXX the Netspend Corporation locked my account with a balance of {$740.00}. I received an email stating that " There may be a problem with your All-Access account. Please call XXXX before using your card. '' I called the number and copies of my ID and Social Security Card were requested by email or fax, I complied on XX/XX/XXXX via email Reference ID : XXXX. On XX/XX/XXXX I received an email stating that my account was closed. I have called numerous times and have emailed all the requested documentation. This company closed my account at first claiming fraudulent activity, then on XX/XX/XXXX claimed the remaining could not be sent because the IRS is requesting it to hold the funds for its investigation. " at the current moment we can not mail you out a check for the {$740.00} because your funds are currently being reviewed by the IRS. What this means is that we have notified the IRS that your account is closed and they are going to decide if the funds will be sent back to them or issued back to you. Do keep in mind with the events that are going on right now this may take some time for us to receive a response. '' I have included all the emails for your convenience. I now know this company has a history of this type of activity. The IRS has not notified me of an audit and there are no back taxes owed. So the Netspend Corporation is lying about IRS investigation. A complaint was also filed with the FTC. This seems to be a pattern with this company dating back to XXXX. I would appreciate your help in this matter.
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I had two loan accounts with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX P.A. One Loan for $XXXX and the other for $XXXX. Interest rates each loan is 5.875%.6 years later my balances are $XXXX and $XXXX. Total interest paid $XXXX and total principle paid $XXXX.I have paid more in interest than my principal balance. If you do the math that's a 57.55% interest rate not 5.875%. Over the course of their entire repayment plan that they suck you into you pay back $XXXX  just in interest!!!! Out of a loan that was for $XXXX, how is that even legal? This is fraud. It is not 5.875% interest rates. They wont let you make any additional payments, they wont let you change it to the way you want. It is designed for one thing, to make the COMPANY rich of interest that they falsely prey on you.If the interest was actually 5.875% then over the course of repayment it would be $XXXX  and make the total repayment at $XXXX.Please, this company is preying on college students and committing illegal acts on these loans.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 I contacted Chase in regards to a deferment of my mortgage payment due to the COVID-19. Representative said she enrolled both my mortgages into the 90 day deferment  payment assistance program. I was told on a recorded line that I would not have to make my payments for 90 days and before that time was up they would call me with my options at this point its to early to say what will be done at the end. On XX/XX/XXXX I received an alert on my credit report that I 30 days late on my mortgage. I contacted Chase in regards to this, they reviewed my account and will listen to the phone call to review. Chase did waive the late charge for XXXX. I heard back from Chase and they said the correction is being sent to the credit team and it will be 3-4 days. I explained that due to the COVID-19 i may need to get a loan and this will change my credit report in a very negative way, I have never been late and have paid an extra {$110.00} payment each month for many years, I have called back various times and they are still working on it .I have been denied a loan due to my credit score which has went down due to chase.
Consumer complaint received 2017-12-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

Beginning in XX/XX/XXXX I had taken out student loans with the Department of Education. This was my first year of college. There was no classes or anything needed to be taken in order to receive these loans. Over the past 6 years I had changed colleges a couple times. After completing my XXXX degree my loans were bought out from XXXX XXXX to Navient. I was unaware and had no choices about this buy out. IN XX/XX/XXXX, they suggested me to consolidated to pay one payment. They never informed me that this would make my loan forgiveness go back to square one. In XX/XX/XXXX I applied for a XXXX degree which put my consolidated loans in to deferment. I do not know how much interest has accumulated over my loans, no one has ever gave me ADVICE on my loans to pay them off. I have had a job every year since I have been in college and no one has ever told me you can make payments on my loans while you are in college. ( THIS WOULD HAVE BEEN HELPFUL. EVEN IF IT WAS {$20.00} ) After I completed my XXXX  program. Another representative advised me to re consolidate both loans and now I can pay one payment. Only after I asked about my loan forgiveness date was I than informed it was recalculated to XX/XX/XXXX because I re consolidated. These people are liars and are making it IMPOSSIBLE to get out of student debt. I have {$120000.00} in loans and almost HALF of it is interest. And since I consolidated after completing my schooling after 10 years, I still have to pay another 20 years. Navient has no solutions. They do not help you and if you do not ask questions you will never be able to understand your loans. There are so many charges on my account I have no idea where to start and if all of this is accurate.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank, the operators of XXXX XXXX XXXX 's store credit card, have repeatedly applied payments incorrectly to promotional balances. 

I have several purchase balances that are on a 'fixed payment schedule ' meaning that they are a set amount for a set period ( {$9.00} per month for 48 months, etc. ). 

I have other balances that are deferred interest if paid in full ( 0 % for 18 months for example ). These require no pre-payment until the end of the promotional period, aside from a monthly minimum. 

Their terms state that payments in excess of the minimum payment for the fixed payment plans are applied to firstly non-promotional balances, secondly to deferred interest balances, and lastly to pay down the balances on the fixed payment promotional balances. 

For 2 consecutive months, they violated these terms by applying the excess to the fixed payment balances and reducing the payment applied to the deferred interest ones. This would result in my being unable to pay off the deferred interest until the entire balance of the card was paid off in full, likely resulting in my having to pay the deferred interest if I was unable to clear the entire balance.
Consumer complaint received 2017-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

My credit score- according to Equifax- dropped from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). There is n't any legitimate cause for this score drop. In fact, I have paid down my student loans by approx {$4000.00} per month for the last 4 months ( as of XX/XX/XXXX, Equifax reports I owe {$100000.00} in loans, while XXXX ( loan servicer reports {$98000.00} ). I alos recently paid off 2- tax liens. I 'm extremely frustrated because my credit score consistenly is increasing with XXXX and XXXX but Equifax has me stuck in a tar pit. Screenshot attached regarding discrepancy between XXXX ( 1st screen ) and Equifax ( 2nd screen ) reporting.
Consumer complaint received 2018-03-26
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. (LA)

Hello, Upon my annual renewal of my income based repayment plan, Navient denied my renewal saying I hadn't made three consecutive payments under the prior income based amount. In the past 12 months, I had made XXXX consecutive timely payments under the old plan amount and had 6 months forbearance. When forbearance ended, Navient kicked me out of my income based plan into a standard repayment plan. I called a representative, who admitted that was incorrect and placed me back into the income based plan. When logging in to pay my next amount due under the income based plan ( and I believe the new amount is being computed incorrectly, but that's not at issue right now ), I learned that they did not remove approximately {$59000.00} in capitalized interest that they added to principal when my loan entered into the standard repayment plan. I emailed Navient about this and received a response in XX/XX/2018 that the capitalized interest is unable to be removed and " there was a gap in your enrollement in the Income-Based Repayment Plan and this caused the accrued interest to capitalize ... '' I called to speak with a customer service representative today ( XX/XX/2018 ), and she insisted that the interest capitalized because I left the 6 months forbearance. I informed her that this is an excessive amount of interest for 6 months of forbearance and I've never had an issue like this coming out of other forbearance periods. She said it's in the terms that they are allowed to capitalize interest, and I agree that the interest that accrues over the time of the forebearance period may be capitalized. However, capitalizing the entire amount of interest that accrues over the life of the loan that is in the Income Based Repayment Plan is completely against the purpose of these repayment plans. Despite reiterating I have in writing that the interest was capitalized because of the gap in the Income Based Plan ( which was their fault ) and that $ XXXX in interest is excessive for 6 months of forbearance, she insisted that was in accordance with the forbearance terms. Now I have conflicting excuses from Navient on this capitalized interest, a higher payment amount, and even more interest accruing on this capitalized interest. If they can kick me out of my Income Based Plan and capitalize interest on a whim, I'm also worried they may restart my number of payments under the plan on a whim as well.