davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Please help me write a formal complaint against a horrible injustice that occurred to me at my bank today, XX/XX/year> at the drive thru at XXXX XXXX  I went to the drive through to deposit {$620.00} when the atm machine malfunctioned and gave me an error then shut down. I waited to see if the machine would be back in service and called U.S. Bank to inform them of what occurred. I was then told that I would have to file a dispute and wait 10 days to see the status but the dispute could take up to 45 days to get resolved. I informed the rep that this would not be acceptable because my electric bill was scheduled to be disconnected tomorrow if they didnt receive payment. They said they were sorry about the inconvenience but there was nothing they could do. I asked to speak to a manager who took absolutely no accountability for what had happened because the atm belonged to U.S. Bank and he was not the owner he was very rude and did not seem to care about the predicament I was in. I had the manager named XXXX from the atm dispute department on the line and I asked him who I could complain to regarding his terrible customer service. he then stated that he answered to no one and he was the last person I could speak to. I then proceeded to ask him to file the dispute and he asked me for the atm receipt. I told him the atm did not give me a receipt. He then told me that there was no dispute that could be made on my behalf and that there was nothing I could do. At that point, I went into the branch and asked for a manager to help me with this call. XXXX, the atm dispute manager, stated that he never told me that once I had the manager there to listen in. I spent 3 hours trying to get this resolved and finally got a dispute filed. The problem is that now my electric bill payment and my other bills will be nsf and my electric bill will be disconnected. I asked if they could write letters on my behalf and I was told they do not speak to third parties. There was a woman who had just deposited over {$2300.00} for rent who the atm also took her money. She also did not get a receipt but was able to file a dispute much more easily. I have been very upset and spent quite a few of my work hours tending to this issue. I am a XXXX family and we live check to check so this is not something we could easily move on from. We did not get a provisional credit despite our great prior relationship with this bank. Weve been customers for almost 30 years. This has been a nightmare! I would highly urge everyone consider banking elsewhere but at the very least not to ever make a cash deposit at their atm. There was no accountability and no appropriate resolution and no accountability for the terrible customer service from the manager
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc (GA)

On XX/XX/XXXX, I contacted Affirm to inform them that I would be late making my payment due on the XXXX of the month and requested that they temporarily change the due date to XX/XX/XXXX to avoid any overdue payment consequences. They said no but assured me that if I paid on the requested date of XX/XX/XXXX my account would remain in good standing. On the XXXX I made the payment to Affirm as agreed and Affirm took an additional payment of {$200.00} ; this effectively prevented my ability to pay other bills from the checking account which I made the payment to Affirm from. Affirm informed me that their policy would allow them to make a refund of an overpayment within XXXX business days of the initial payment, and after XXXX days no refund will be possible. '' When I talked to Affirm again on the XXXX and XXXX to confirm the refund would be made, I was told : " Yes our policy will allow us to make a refund within XXXX business days, however, it may take up to XXXX business days to process your payment. '' When I asked what this meant in relation to their XXXX-day policy. The answer given was ambiguous to the effect that I wasn't given a definitive answer. In the meantime, my other payment due on the XXXX of XXXX was now, and still is delinquent and Affirm still remain insensitive to the problem they have created by taking an unauthorized payment from my account. With hardship, I have arranged to make the payment to XXXX XXXX.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

I have a personal joint checking account with Chase which has overdraft protection. 

On XX/XX/year>, three individual charges in the amounts of {$89.00}, {$34.00}, and {$15.00}. When I check my account balance that evening I saw it was pending negative and transferred {$280.00} to cover the overages. This brought the account positive in the amount of {$140.00}. Therefore, no overdraft fees should have been generated for these transactions. However, Chase actually did charge me the fees, three separate fees of {$34.00} specifically for the charges I had already paid for with the transfer.

I then requested the reversal of these fees, and three more overdraft fees were generated the next day because the account became negative again due to the erroneous fees charged by Chase in addition to three additional charges that were generated on the account the following day.

Do date, Chase has charged me {$200.00} in fees that are not justified.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (CA)

I reach out to JP Morgan many times spoke with a representative, told him I was unemployed XX/XX/year>XXXX  prior to that written several letters, stating that I was homeless, and now less than 30 hours. I am in XXXX  level and can't afford to pay {$6800.00} I believe this amount is XXXX XXXX XXXX. 
Since than JP MOrgan hired a law firm court case XXXX, I filed a response stating I own nothing and am currently living from house to house, can't afford a place to live. 
XX/XX/year> file the response to Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX, hearing schedule for XX/XX/year> XXXX department XXXX XXXX XXXX XXXX XXXX XXXX 

Notice of XXXX XXXX XXXX. I have no documents only letter from JP Morgan Chase Bank
Consumer complaint received 2023-04-07
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. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$600.00} ; Medical ) XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

There is a collection being reported on my credit report byt XXXX XXXX XXXX that is inaccurate. I have contacted all three bureaus twice and still have not received the documentation that I requested. I have also contacted the Creditor and have not received verification of this debt. This is an inaccurate debt that was originally reported by XXXX XXXX XXXX XXXX, where I never lived. I have also tried to contact XXXX XXXX XXXX and they can not help me.

Please see the attached documents of letters I have sent to the credit bureaus as well as a letter I sent to XXXX XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be
verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX : XXXX XXXX {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Equifax : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported Unknown Condition XXXX : XXXX XXXX XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition I have been working on this resolution since XXXX and it is having a severe negative impact on my life. THIS IS INACCURATE!!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There is a collection being reported on my credit report byt XXXX XXXX XXXX that is inaccurate. I have contacted all three bureaus twice and still have not received the documentation that I requested. I have also contacted the Creditor and have not received verification of this debt. This is an inaccurate debt that was originally reported by XXXX XXXX XXXX XXXX where I never lived. I have also tried to contact XXXX XXXX XXXX and they can not help me.

Please see the attached documents of letters I have sent to the credit bureaus as well as a letter I sent to XXXX XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : TransUnion : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported XXXX : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported Unknown Condition XXXX : XXXX XXXX XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition I have been working on this resolution since XXXX and it is having a severe negative impact on my life. THIS IS INACCURATE!!
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I am requesting the assignment contract. I am requesting Validation, made pursuant to the Fair Credit Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX fraudulently reported my student loan balance twice to credit bureaus, thereby doubling the balance on my credit report. My TransUnion credit confirms two duplicate reports from XXXX of {$360000.00}, for a total of {$720000.00}, with the only difference between the two reports being the reporting months. My total student loan balance should only be {$360000.00}. XXXXXXXX XXXX fraudulent double reporting of my student loan balance has substantially harmed my credit score and ability to qualify for a home mortgage by incorrectly altering my debt-to-income ratio.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Sent letter to XXXX and XXXX XXXX also, no response by either, I was told to sign for solar panels and never pay electric bill again, this was not true. I have to pay electric bill and also be a solar farmer so they can make porfits on me and I have to pay over XXXX to be a solar farmer and I am on XXXX with only XXXX a yr income. I was not qualifed to recieve a laon of this magnitude. XXXX refuses to respond to me and my wife is helping me to try and get this dispute account resolved, We have been told that it is in legal dept hands, but there has been no response. I am not phyiscally able to care for this big solar panel equipment that they planted in the ground on my property. I have requested for them to come get the equipment that belongs to them and sell it as it is their collateral. The contract says I have to right to have it removed by them as I am not qualifed to be in business as a solar farmer and know nothing about electricity solar. XXXX  also made me sign a contract with XXXX so they could make money off of my solar panels but there attorney also told me it is not there problem and i must go to XXXX and have it removed. I want the solar panels removed since XX/XX/year> but no one responses to my letters. Please help me reoslve this issue. I can not afford any of the payments and they are not reporting that true and correct balance and said i never made payments. I paid for 12 months on it, but I want it gone. They lied and made me a solar farmer for XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX. I was told lots of incorrect info by the door to door sales man who had me sign his I PAD and told I was going to be paid for producing power to the power grid. All Lies.
Consumer complaint received 2024-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have been trying to reestablish automatic payments for this particular instance for three months now. Every time I call them, they would take my checking account number and my XXXX routing number but then the next month I would get a notice that I was late in payment and then I had accrued late charges. They do not like it when I ask them questions about why this is happening. This time I found out that my checking account number has been arbitrarily placed upon an invalid account number list. Now I have used this account to make payments on my loans for over 15 years. Maybe even 20 years. I asked them why they put my account on an invalid account list and they could not tell me why but they told me the only way that I could use this account would be to go to my bank and get a written letter stating that my account number is valid. Now just to point out the ridiculousness of this I could get a piece of stationary and put an image of the bank on my piece of paper and then write that my account number is valid and just sign it with somebody else 's name and they would take that. They told me to fax or snail mail the letter into them or download it on their site. But the factory XXXX did an order for me to bring my account valid. I have to agree to a set of terms with Navient that state that I agree to all the late charges and the accrued interest that has resulted from their error. I think that is wrong and it has over the years resulted in over {$5000.00} of late payment fees.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (TX)

Account shows no payment history on my credit report. I have no business with Southwest Recovery Service.

Southwest Recovery Service was notified this belongs to someone else and told to stop calling but calls persisted i dont have exact dates. Debt belongs to someone else. Disputed multiple times with no change. Violation of 15 U.S. code 1681 ( a ) ( w ) I have no transactions with Southwest Recovery Services therefore should be excluded from my credit report. Civil liability for willful noncompliance I am owed compensation. Violation of 15. U.S. Code 6802.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Synovus Bank (GA)

I am writing to express my absolute disappointment in how Synovus mishandled my funds and basically is working to ruin my business. 
On XX/XX/XXXX at XXXX someone named XXXX XXXX XXXX XXXX XXXX me XXXX while I was out of the country with very unreliable wifi. 
She claimed she tried to call me but was unsuccessful. My friend who knows XXXX XXXX reach out to me and told me that she sent XXXX $ to me accidentally. I was unavailable at the time and told her that I will send the funds back to XXXX XXXX as soon as I could ( which was within a couple of hours ). XXXX XXXX was informed and I XXXX  her her funds back as soon as I returned to my vacation home within XXXX hours of her original transaction and I took a screenshot of the transaction and sent it to my friends. 
When I returned to XXXX, I sent XXXX XXXX that Tuesday. I messaged XXXX XXXX that I was out of the country but did returned her the money right away. She confirmed having received the funds. 
On XX/XX/XXXX I received a notification that my XXXX  was deactivated and that XXXX was taken out of my account. I immediately contacted Synovus and was given the usual " '' we will look into it answer '' even though Synovus ' agent confirmed to me that they can see where XXXX XXXX XXXX  me and I XXXX  her her funds back the same day. 
I also contacted XXXX XXXX and my friend and told them what happened. 
Per XXXX XXXX, she immediately contacted her bank and canceled the claim On XX/XX/XXXX, I contacted Synovus and they told me that because XXXX XXXX filed a " scam report '' that my account is forever flagged as a scam account and can not be fixed. 
Because I have proof of everything I have written above, I told the Synovus agent that I can not accept that my account will be flagged as scam and can not continue to operate my small business without access to XXXX as it was the only way for clients to pay me. 
She asked me whether I wanted to file a dispute I told her yes. Then she told me if there were any overdraft fees I do not need to worry about them because they can see that I did nothing wrong and my dispute is pending. They told me they will get back to me in a couple of days ( which they did not do. ) They did not call me until XXXX to tell me that ( XXXX ) they did not care that I was not at fault. They will not reverse the XXXX $ that they took from my account. 
( XXXX ) they also had no intention on reimbursing me the overdraft fees even though XXXX XXXX said she was going to take care of it. I am tired and this is ruining my life and everything I worked hard for. Please help me. 


XXXX dispute # with Synovus : XXXX Confirmation # : XXXX
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

This is a follow-up complaint, with the exact same issue of the Student Loan Servicer not having the most accurate/up to date information regarding my enrollment and In-School Deferment classification. The prior complaint was corrected after I attempted for several months to coordinate with Nelnet, but they would not assist until I submitted the complaint # XXXX. I'm submitting again so that hopefully there will be a deeper investigation, and Route Cause/Corrective Action , with the hope that it spurs actual change so that no other student has to deal with the stressors of debt collection efforts that are protected and qualified under the Federal Student Loan deferment for In-School students XXXX