davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

Late last year ( XXXX ) I received a notification from Federal Student Aid that my new servicer would be Nelnet. This is/was my last academic year of law school, so that notification was not unusual considering that my loan deferment will end with my completion of XXXX XXXX. However, my loans remain lawfully in deferment or otherwise are not due until 6 months thereafter, which is XX/XX/XXXX. I have responded to all of Nelnet 's communication. I have activated my online account with them. I even noticed that Nelnet reported tat they are my new loan servicer on my XXXX report. I have satisfactorily managed my student loans, and thus the record of my loans on my credit is excellent. Nelnet initially similarly that my loans were in great standing and otherwise in deferment. However, on XX/XX/XXXX, I received a notification through XXXX XXXX and XXXX that my XXXX XXXX dropped XXXX points due to a new status report from Nelnet. The notification provided no further details regarding the " new status, '' except " remark code removed, '' but clearly such status is negatively impacting my report. Not one of these agencies has explained the exact reason for the negative status report, which is notably inaccurate.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (UT)

I had a XXXX XXXX card with automatic payments set up. Charged a purchase in XX/XX/2022, then the XXXX XXXX card was moved to barclays bank and they removed my automatic payment selection on the card. 

This caused my card to to past due, damaging my credit, and charging me late fees. I've since paid off the original balance and was told by Barclays that they would waive the fees and interest. But each month they promise to waive the fees and assure me it's resolved, then I get another late fee charged the next month. This has happened 3 times already and now they've just refused to resolve it.
Consumer complaint received 2022-03-14
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX have violated my rights. 

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 a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1666B says a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts to show no late payments or remove these accounts from my report
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (DC)

My M & T checking account was overdrawn by {$3.00}, M & T assessed me the standard insufficient funds fee of {$38.00}. But then I was charged the another {$38.00} overdraft fee because it was insufficient for five ( 5 ) days. So for the negative {$3.00} balance on my checking account I was charged total fees of {$80.00}. : Not to mention this is supposedly the M & T account for low income persons.
Consumer complaint received 2020-03-04
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. (AR)

I received a call from a collection company stating about a debt I owed for a insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2022-03-14
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. (IN)

Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX XXXX XXXX or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting 2 or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.uploaded my XXXX report which should reflect the same information on my equifax report
Consumer complaint received 2023-03-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (CA)

Capitol Accounts LLC repeatedly calls about a disputed debt even after I asked them to stop calling. They have called 4 times in the past 2 days, each time I have told them the account is in dispute, please stop calling. The representative states they will not stop calling until I submit a Cease and Desist letter but refuses to give me an address to send it to. They call multiple times in a day from multiple different numbers.
Consumer complaint received 2022-03-14
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. (IN)

Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX identity iq or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting XXXX or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.uploaded my XXXX report which should reflect the same information on my equifax report
Consumer complaint received 2022-11-22
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. (FL)

I did not authorize these inquiries on my personal credit. 
Some duplicates are from car dealers that I did not give them permission to check my credit. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NJ)

Good afternoon, I contact lexisnexis in order to correct my address because in their report continues to place me in different past addresses except for my current address. I upload all the documents they ask. and they sent me a letter saying they need more documents and the documents I sent can be read. I resend all documents and more of the information they ask. and receive a second letter asking for me to go into a website that they provide but nothing can be done in the website. Im see that they just try to give me the run around until I get tired and give up, I just need the correct address on my report I dont need a soup of address except for my current address. that is simple only my current address should be in my report. Please if possible I like them to fix the issue and send you the proof that the situation is resolve. Thanks in advance
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TX)

On or around XXXX to XXXX I saw a lot of pre approval from credit karma telling me I have a excellent chance of getting approved for the XXXX XXXXXXXX XXXX card so I applied and got denied. I was marketed for months from credit karma I felt very deceived. THIS WAS A LIE. I was noxious for weeks I had migraines and I became very anti social. My XXXX  has went from XXXX XXXX. I have not checked my credit report as frequently as I should. I have been denied also for XXXX and also for personal loans. SO I felt betrayed by credit karma. This company has destroyed my credit and I feel victimized by this company.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (CO)

Recently I opened a Barclaycard Arrival Plus credit card. Part of the offer included a 0 % interest balance transfer for first 12 months. I initiated a balance transfer from my XXXX XXXX Credit Card in the amount of XXXX on XXXX/XXXX/15. However Barclaycard initiated a second balance transfer in the amount of XXXX that I did n't approve. I noticed this on XXXX/XXXX/15 at which point I both called their customer service line, and opened an online message/ticket. After two weeks of no resolution, I was finally able to get a hold of someone who could answer my questions, and they told me they were unable to reverse the balance transfer, at which point I would need to contact XXXX and ask for a check in the amount of the second balance transfer amount, and then pay my Barclaycard down with that money. Since I did n't authorize this charge on my card, I fail to see how Barclaycard sending money to XXXX is my responsibility? My credit card came with a promotional offer if i spent {$3000.00} in the first 90 days, I would be rewarded with XXXX miles. However, since they have effectively maxed my credit card out with a double balance transfer I of course am unable to use the card. Also, it is making my debt ratio look much higher, and potentially pulling down my credit rating.
Consumer complaint received 2020-03-04
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. (AR)

I went to file my taxes and I was told my identity has been stolen because some one had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$5600.00} US DEP ED XXXX {$14000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$540.00} XXXX/XXXX   XXXX {$250.00} XXXX/XXXX   XXXX {$500.00} DEPTEDXXXX   XXXX {$4500.00} DEPEDXXXX   XXXX {$3000.00} XXXX XXXX   XXXX {$0.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX   XXXX XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXXXXXX XXXX  XXXX XXXX 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 2016-04-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

I made XXXX purchases on XXXX, on XXXX XXXX and XXXX XXXX, 2015, for {$150.00} each, using a credit card from Chase bank. 
These were purchases, but Chase insists that they were cash advances, and accordingly charged me a {$10.00} cash advance transaction fee and a higher cash advance interest rate. 
After I confronted Chase with a statement from XXXX saying that XXXX does not process cash advances, and threatened to file a complaint with the CFPB, they refunded my transaction fees as a " courtesy, '' but continue to insist that they were cash advances ( although I received no cash or anything similar from the transactions ) and continue to charge me interest on these transaction at the higher cash advance rate. 
Interestingly, on my annual summary Chase correctly classifies these transactions as the purchase of a service, while nevertheless insisting in correspondence that they were cash advances. 
I would like these transactions reclassified as purchases ( consistent with XXXX 's classification ), and excess interest charged refunded to my account.
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (MO)

National Recovery Agency. This is a collection account for XXXX, a local utility company. I have been paying a monthly payment amount agreed upon by myself and collection agency for past five months. My credit report does not reflect any payment and indicates " C '' ( collections ) for each of the months I have paid. The payments are directly taken out of my bank account each month and i was told that payments would be reported on time.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (UT)

I opened a CareCredit card with XXXX ( XXXX XXXX XXXX  ) to pay for dental services that I desperately needed. I signed up for the card at a dental office where it was explained to me that no interest will be charged for a year. As I was at the office I did not have time to read all the fine print, and apparently what was not explained or disclosed to me is that if card is not paid off by a certain date, the interest will be charged on the ENTIRE amount, not on what was left after all the payments. I have paid more than 50 % of the amount ( about XXXX ) and suddenly a year after I opened the card, I see interest charge of almost {$1000.00}. I tried to resolve this situation with the bank, and offered to immediately pay off the balance but not this interest charge, but the bank refused and said they will still charge me this insane interest. I feel like I got scammed and taken advantage of. Nobody at the dental office explained this little nuance. This is a way for the bank to take advantage of people in need and should be illegal. The bank did not provide any documentation that I requested of the originally signed documents, so I don't think they have any proof of these terms that I allegedly agreed to. 
I am an immigrant and single mother and I feel like I've been scammed by this bank.
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (NC)

The Progressive Management Systems sent a letter to me on XX/XX/2018 requesting that the balance of {$780.00} to be paid. However with further investigation of the collection agency during a credit repair, it came to my attention that the Progressive Management Systems license is inactive.
Consumer complaint received 2016-07-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Commonwealth Financial Systems, Inc. (NE)

I worked with another debt collection company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve this debt. It was a medical debt from XX/XX/XXXX. I filed chapter XXXX in XX/XX/XXXX. They removed this from my credit report XX/XX/XXXX after I sent them proof ) For a 3rd time ) of my bankruptcy. I had been fighting them for years to remove this. They sold this account to commonwealth financial systems. They have put it back on my credit report as of XXXX, as an open collections account. My credit instantly dropped XXXX points. They are sending me letters to collect the amount owed {$420.00}. I called and had to resend all of my bankruptcy information to them. I plan to buy a house soon and my credit has been ruined by these guys. I 'm not sure how a company can reopen a discharged debt and why it falls on the consumer to have to continually resend documentation. If they keep adding it to my credit report every time they sell information to other companies this is not right. I want it removed asap, not in 30 - 60 days. Again, this is ruining my chance of purchasing a home.
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC (CA)

Please reference complaint ID XXXX. It has been closed by the company. Though it did provide additional information it is without resolution so I am trying to get clarification as to my knowledge XXXX has closed and has no direct way to reach them. The last email I was able to receive regarding my bill from XXXX in XX/XX/2019 stated the physician claim was billed incorrectly and was being appealed. Afterwards I only received a facility fee bill and have never received any bills about a physician fee. I contacted XXXX  today to get clarification on the physician portion as I no longer have access to the claims since they are over 24 months. They also stated the physician fees was processed incorrectly so they will be refiling which can take up to 30 days.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

There is too many transaction to count.It is affecting othee accouts. I also reieved a call from the fraud department as well but still have NOT see any of the money being credited. In mean time put be in a financi burdem on my otheraccpunta making it seem not payment being recieved. Alsoe bunch of reversal charges done on my account that makes no sense
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (DC)

I received a US Bank Reliacard in the mail today. I understand that it is a government debit card used to disburse unemployment funds. I never applied for unemployment benefits for I am gainfully employed. Can you please cancel this account or instruct me on how to correct this fraudulent use of my personal information. Thank you.