davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2022-10-04
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: LEXISNEXIS (TX)

Lexisnexis Risk Solutions has obtained my personal data unlawfully and used it unlawfully without my consent to damage my credit file report with XXXX and have sold my personal data to other third party entities without my consent. Federal trade Commission protects consumer information when it is used illegally and without consent. Lexisnexis is a third party entity that has been sued for selling consumer personal information without their permission. It has been several years that Lexisnexis has been misusing my personal data, such as my name, addresses, personal account information, age, identity, income, and other personal data like my social security that i have never provided to Lexisnexis Risk Solutions. They have reported false information on my credit report to XXXX of an alleged bankruptcy. Lexisnexis has violated the XXXX XXXX XXXX XXXX reporting false financial information to credit bureaus and other third party entities to cause me to get higher interest on consumer products and/or denied of financial services. 
I have requested several times for Lexisnexis Risk Solutions to freeze the false file reports they have in my name and they have not done so but sent a confirmation pretending they have.
Consumer complaint received 2020-10-15
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. (CA)

XXXX card is showing that I was 30 days late but that is inaccurate. I was 18 days late and 10 days late the other time both are under 30 days and are being reported inaccurately.
Consumer complaint received 2021-02-23
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IL)

I have had this student loan with Navient for well over ten years. I believe it was Sallie Mae in the beginning. I have paid it on time always. A few years ago, I did request they take more out of my checking for payment ( {$100.00} ) so the loan would be paid off sooner. At some point, they stopped taking {$100.00} out and started taking out less without my knowledge, so therefore, the loan is not paid off. I asked them to stop asking me to do auto pay since I don't trust them to take out the amount I requested. They insist on taking out less it seems. I have sent them over XXXX $ in the last 3 months. My payment was only around XXXX $ a month before I discovered they were not taking out {$100.00}. I have been sending way more than that and they keep calling to say I have an overdue amount. There is no way I could have an overdue amount as I am trying to pay this loan off, and they don't seem to even appreciate that. I have asked them to send me an updated itemized statement. The balance on the website now looks way higher than what it should be even after I have made a huge effort to send them extra money since XXXX. My job was eliminated last year due to the pandemic, and I am making a lot less now at a different job. They don't seem to take that into consideration at all and keep calling me saying they can help me with my overdue balance, and I should not have an overdue balance.
Consumer complaint received 2017-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (WA)

I have two Federal student loans currently being serviced by Nelnet with a combined balance of approximately {$120000.00}. The balance on these loans is higher than it should be for the reasons discussed below and I have so far been unable to resolve the issue with Nelnet directly. In 2014, I sent a recertification form to Nelnet by fax to renew my Income Based Repayment Plan ( IBR ), which is required to be renewed each year. A few weeks after sending it however, I received a monthly statement showing that my student loans had been switched to a Standard Repayment Plan instead. When I called Nelnet to ask why this had occurred I was told that they had not received the recertification paperwork and that I would need to resubmit it in order to get back on the original IBR plan. I did resubmit the paperwork and it was eventually approved. However, on XXXX XXXX, 2014, Nelnet incorrectly capitalized {$4500.00} of accrued interest as a penalty. This penalty should never have been levied since I fulfilled the requirement to send the recertification forms on time and I received a confirmation by fax that the documents had been successfully received. Nelnets employees either misplaced the forms or failed to record them properly in the companys computer system. Even so, Nelnet has yet to reverse the {$4500.00} interest capitalization. Even more egregious, the telephone assistant at Nelnet who discussed this issue with me at the time recommended that I apply for a Forbearance so that I would not have to make a monthly payment until my resubmitted IBR recertification had been approved. What she failed to explain to me is that by requesting a Forbearance, all of the remaining accrued interest on my outstanding student loans would be capitalized, resulting in the loan balance increasing by {$12000.00} and interest expense increasing by nearly {$900.00} per year. Had I been informed properly I could simply have made one monthly payment to avoid this additional {$12000.00} in capitalized interest. However, I was not given this information. Instead I was given the bad advice to proceed with a Forbearance even though this course of action was clearly not in my financial interest. The representative who instructed me to do this obviously did not understand the consequences of filing a Forbearance and should not have been placed in a position to advise borrowers. Over the life of the loan, this will cost me approximately{$17000.00} in additional interest and is the direct result of poor training given by Nelnet to their customer service employees. Nelnet has so far refused to take responsibility and reverse the capitalization.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo continuously charges me overdraft fees for the same charge also I spoke with them on XXXX and a few months back about money disappearing out of my account it shows in my account that I have a certain amount of money in there and when I tried to switch the funds over I received an alert telling me that I didn't have access to the funds. It told me I didn't have that amount in there when I'm looking at it show me, it was {$200.00} the first time and then afterward it was about {$400.00} mystery missing which I couldn't prove at the time because the money disappear I spoke with a young lady a few months ago who works at wells Fargo who admitted that they were fraudulently opening up accounts and taking money from out of people account, but she assures me that they were no longer doing that because they are under new management, well that's a lie. On XXXX the guy that I spoke to told me that I did not have enough funds in my account to cover to restaurants XXXX & XXXX XXXX which is a lie because you can not get to those restaurants and get food with no money because it will decline also I don't have overdraft protection and I did not go to those restaurants on the days they say I went so that's the first lie they told then I get charged {$35.00} each time for that two transactions plus another {$35.00} for a credit card bill two times. I hope ya look into this deeply because wells Fargo are still doing fraudulent activities and at this point because they refuse to acknowledge my complaint I will be contacting a lawyer and news station.
Consumer complaint received 2019-05-30
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. (ID)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank for Lowes did not send paper statement for XXXX. Called 3 times to try to correct and requested paper statement but did not receive. Made on line payment, received 2 emails stating payment received, then received phone message to call them. Spoke to 3 people who insisted payment was NSF but the problem was it was not posted to the correct account. Unable to find a person to let me finish a sentence to correct this. Have perfect credit, made a payment when one was not due and now being harassed about it.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have several incorrect addresses and misspelling of my name on credit reports with the 3 credit bureaus, XXXX, Equifax, and XXXX. I've attempted to resolve the issues by disputing information and they continue to denied my disputes.
Consumer complaint received 2020-10-15
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)

On XX/XX/2020 I contacted all three credit bureaus in regards to false and fraudulent information being reported on my credit reports. 

It is XX/XX/2020 and I have yet to receive a response or see updated information.
Consumer complaint received 2020-09-01
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$140.00} DPT EDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2400.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$3300.00}
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I posted a bed on XXXX  to sell for {$700.00}. This person contacted me via a XXXX  email account and provided a cell phone number to contact them with : XXXX. The deal was that he was going to mail me a check, and I would cash the check. Once the check cleared, he would set up movers to come pick up the bed. He told me that I had to pay the movers for him, so the check he would be sending was for more money then how much the bed costed. I assumed that meant I would pay them in cash. He said he could not come see the bed in person because " he was at distance '' ( he spoke in broken english ). The check was sent using the USPS, tracking # XXXX. Sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX. It arrived on MondayXX/XX/XXXX It was a cashiers check from the XXXX XXXX XXXX for {$2200.00}, and appeared to be real. I deposited it using my Chase Mobile app, by taking a picture. Chase then emailed me that night saying " my deposit had been accepted ''. The funds were made available immediately in my account, so obviously i assumed that meant it had cashed. Then, the person told me that to pay the movers, I had to wire the money to them using XXXX. He told me to wire {$1400.00} to XXXX. My bank, Chase, uses XXXX   for Chase Quick Pay, so I trusted the service and used it. I wired the money and he told me that the movers would come pick up the bed that night. When the money did not arrive right away, he also told me to try wiring it to " XXXX XXXX '', at XXXX. The movers never came, the person stopped responding to me, and then Chase put a " hold '' on my account for {$2200.00}. It turned out the check was a fraud, but it was too late, I had already wired {$1400.00} to that email address. When I reached out to Chase to file a claim for fraud they told me there was nothing they could do because I was the one who deposited a fake check and I was the one who wired the money. It was the perfect scam. XXXX has zero consumer protections in place and doesn't even help you if you used it through your bank, they just refer you to your bank customer service. This article confirms that what happened to me has happened to countless others : XXXX XXXX XXXX  I have screenshots of text conversations, transaction confirms, and bank statements. Please reach out to me with an email account that I can send these too. I am hoping to first and foremost, get my money back, but also find this person and make them answer for their crimes. Finally, I would like to bring to light how ridiculous it is that every major bank in the US ( Chase, XXXX XXXX XXXX XXXX XXXX XXXX  ) provide an unsafe piece of technology for their consumers to use, and provide no additional consumer protections for them if something goes wrong.

Summary of evidence : 1. Phone Number : XXXX 2. Names : XXXX XXXX  and XXXX XXXX 3. Emails : XXXX XXXX 4. USPS Tracking # : XXXX  5. Bank : XXXX XXXX XXXX, Chase, XXXX
Consumer complaint received 2019-05-30
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. (FL)

i am an id theft victim. there are few accounts on my report that were opened without me knowing, they are as follows XXXX balance XXXX. this is not my account XXXX XXXX XXXX this is not my account public bankruptcy. fraud i have attached a police report and an id theft report
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

Dear Consumer Protection Bureau I have been a customer of XXXX XXXX XXXX for the past 3 years. I had a FICO score of XXXX and above. during the past 3 years I have always paid the time on timely manners and never been late on the payment at all. I will be happy to provide you my payment history with XXXX XXXX. 
I checked my FICO score with XXXX XXXX and Experian and it was really devastating to find out that my FICO score has dropped from XXXX + to XXXX lower over XXXX points on my credit report due to decrease of limit on my XXXX XXXX card from {$10.00} XXXX. XXXX XX/XX/XXXX I called XXXX XXXX and the representative said that we checked your credit report with Transunion and we decided to change your limit from XXXX to {$5800.00} and we have not send you any notice yet credit card companies are required to give a 45 days written prior notice to consumers in order to make such a big change. right now I have drop of credit score and I am not able to transfer the balance from XXXX XXXX card to any other credit card company because my credit is terrible now. as a consumer of XXXX XXXX I would like XXXX XXXX to go ahead fix my credit limit on my credit report and I have no problem not being able to use the card I just want my fix credit. 
I will be happy to provide you with my credit report that I have not used all my credit limits and I pay all my bills on time. XXXX XXXX has damaged my credit and they need to take care of that. 
please let me know what they can do for me to take care of this matter
Consumer complaint received 2021-04-26
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. (OH)

On XX/XX/XXXX JP Chase Morgan gave many of their customers something they called a Govt Stimulus 30 Day Overdraft assistance. My exact amount on that day was XXXX. This is not something that was requested. when my stimulus check was deposited of XXXX my balance was brought to XXXX. Chase stated they wanted customers to be able to fully access their stimulus check for whatever they need it for. Not thinking that when they came back 30 days later to withdraw the assistance that they so called offered their customers would put them back where they started if not in a worst predicament. Now my account is XXXX overdrawn due to Chase so called assistance. The remaining of my money from my pay check was taken causing further overdraft fees on my account. Chase did refund some of the overdraft fees for the new overdraft on XX/XX/XXXX and XXXX of XXXX which wouldn't had to be done if they never took it upon their selves to come up with their own stimulus assistance. The government gave Americans the stimulus payment for assistance not for our banks to use it to make money off of our time of being in need. I like most live paycheck to paycheck. On XX/XX/XXXX I got a letter in the mail letting me know that the money would be withdrawn from my account which was dated for XX/XX/XXXX. I filed a corporate complaint. There was a voicemail left by a XXXX from the executive office. I returned her call and never heard anything back from her. XXXX left a phone number of XXXX ext XXXX
Consumer complaint received 2018-04-05
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. (VA)

I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, Equifax and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
Consumer complaint received 2018-04-04
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. (CA)

I mailed an addition to credit report letter to Equifax to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in 2014.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF THE WEST (CA)

Bank of the West changed my " XXXX '' account to " XXXX '' in such a haphazard manor that I was unable to reconcile my account for 2 weeks. Instead of letting the " XXXX '' charges be recorded when I actually use the card, they transferred the most of my XXXX   charges to " XXXX '' before I ever started using that card. They did not just transfer one lump sum, they did a partial line by line transfer, then an undefined and unrecoognizable cumulative transfer. I don't think it was their intention to send me any further statments reflecting the activity on the " XXXX '' account, but it took me a lot of phone calls and a lot of waiting to finally get one - and it was very messy to work with. I was then able to reconcile this account, but then had to make another call and wait a long time to get them to transfer a {$200.00} credit that they had neglected to do. 
Their phone lines were excessively busy and it makes me think that I am one of very many unhappy customers. 
In summary, what should have been a very simple process for all concerned was turned into a nightmare because of a poor, clealy unhelpful, and maybe an illegal, accounting process. 
XXXX XXXX
Consumer complaint received 2017-08-06
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. (WA)

XXXX EQUIFAX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT BALANCE XXXX CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX  XXXX ... PAIDED IN FULL XXXX XXXX XXXX INCORRECT BALANCE XXXX XXXX XXXX INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.