davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

After the student loan repayment pause starting in XX/XX/XXXX, one or more of my contact information is out of date or does not match my name and account number in their Nelnet system anymore ( address and zip code, email address, etc. ). I can not recover username or password to go online to complete payments to them. I called them on multiple occasions and the holds are longer than 2 hours. I've never gotten a hold of anyone to help and just have to hang up because of the unusually long wait times ; the payments are being charged interest. They arent sending me paper bills to my address even though USPS is forwarding everything to my address no matter which of my old home addresses they have in the system. They also do not respond to tens of emails sent on my behalf even though they have sent emails to my account just the end of last year XXXX. I just want to pay my loans off in full and cant because of their bad internet system and incompetent customer relations.
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OR)

I purchased    XXXX    phones directly from  XXXX  online, which uses Synchrony Bank for financing transactions. During the checkout process, I selected the option for 0 % financing from   Synchrony, and filled out the application.
When I did not receive the usual verification text on my cellphone, I followed exactly the instructions on the website and clicked submit.
The result was that a decision could not be made at that moment. Since I was aware of the missing verification text, I called both Synchrony   and  XXXX  directly, and the Synchrony phone staff who assisted me got approval for the purchase. A verification number was mailed instead of texted.     When I received the approved card account mailing, there was no charge for the phones. When I attempted to contact  XXXX  about my order, I was advised there was no order retained by the system!     Most seriously, the promised promotional rate of 0 % is not available for my order, which has harmed me financially. I asked that this problem be remedied repeatedly, and I was assured it would be. However nothing has been done to set things right, despite repeated efforts to have this issue resolved.     Business license # : Synchrony Bank did not provide!     official company name : Synchrony Bank  XXXX   XXXX  mailing address as given by Synchrony staff : Synchrony Bank  XXXX    XXXX   XXXX     XXXX    XXXX   XXXX   XXXX , OH  XXXX
Consumer complaint received 2015-04-03
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NATIONSTAR MORTGAGE LLC (FL)

My mortgage was sold to Nationstar Mortgage, they have called me everyday multiple times even after I sent them a cease and desist notice. I have never missed a payment on this loan and have transferred auto pay to this bank, they will not stop calling me on my house or cell phone, they are harassing me for no reason, I need help to get them to stop!!!!
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

This is my fourth complaint about Experian in violation of reporting inaccurate information that should be removed. I've submitted countless documents proving my claims yet they still haven't removed the inaccurate information. They even sent me a email saying that they have made mistakes on my credit report but has yet to remove the wrong data. It must be done immediately or I will continue to take legal action to the highest level of law. 
Experian has yet to remove the incorrect addresses I am not associated with. The name alias that are not my legal name. 
My credit report should only show XXXX XXXX XXXX XXXX. I have submitted my ID, social security card, identity theft report. All of this information has been sent in numerous times XXXX XXXX XXXX XXXX bank XXXXXXXX XXXX
Consumer complaint received 2023-11-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I received a gift card for {$200.00} as a gift. The card was given to me in an unopened, original package. I tried to use the debit card at a retailer and was denied. I then went to their website to register the card at XXXX. I was not allowed to register the new card since I was told it was already registered to someone else. 
I contacted the customer service department and they told me to fax evidence of ownership including pictures of my ID and both sides of the card. I also included my contact information in the event they needed to reach out to me. The customer service department asked for this information to establish ownership. The first fax was sent of XX/XX/23. I called a few days later and they told me the fax was too blurry and to send another which I did on XXXX. I called again today and was told my new fax was too blurry as well. ( Today is the XXXX of XXXX. ) I have never received any information without initiating calls on my end. It is apparent to me that prepaidgiftbalance.com has no intention of replacing or activating this card. Instead, their intention is to wear me out so they can keep the {$200.00}.
Consumer complaint received 2018-12-16
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. (MS)

I am the victim of identity theft. I have sent XXXX XXXX certified mail, return receipt mailings, asking them to provide proof that this is my debt, such as my signature and to date, they have not responded. Also, I am providing a partial copy of my Equifax credit report, showing that a payment has been made on the account on XX/XX/2017 AFTER the account has been charged off. Under the FCRA 605 ( c ), this is a violation of my rights by trying to " re-age '' this account by falsely updating the last date of activity on my credit report in order to keep reporting the negative information longer. I did not make a payment on this account. and want this unverified account removed immediately from all of my credit reports.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

On XX/XX/XXXX at XXXX XXXX, funds ( {$41000.00} ) were transferred from my line of credit into my checking account ( which had {$24000.00} ), and then $ {$61000.00} was transferred out via ACH transfers. I tried to stop it via an online conversation with the Key Bank representative and then later in the local branch itself. They said that they did stop it, but it did not happen. I then worked with the local branch manager who later had it transferred to Fraud. After a month, they then transferred to the XXXX XXXX in XXXX to investigate the fraud. Since then, I have not heard a drop of information. I've been asking, writing and calling about information, but have been told nothing- Case # XXXX. I have been told that they would respond by USPS mail. which has not happened. I filed a report with the XXXX Police, and they have been stymied. They refused to cooperate with the XXXX. It has been 4 months with ZERO response from KeyBank. I even have a response from XXXX XXXX, XXXX of XXXX XXXX  from XXXX which has responded with zero response.
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I had a large student loan in the XXXX XXXX XXXX ( $ XXXX principal and $ XXXX interest ) as of the day interest and payments were to resume, serviced through Mohela. I made a XXXX time payment of {$1000.00} on XX/XX/XXXX to see how the money would be applied when I opted to lump sum to pay down principal/interest. This payment was misapplied towards future payments, not as a XXXX time pay down as I intended so I had to call Mohela to get it reapplied. This put some administrative flag on my account for them to make a correction on the payment. In the meantime I applied for the new XXXX program on XX/XX/XXXX to help with the large amount of interest I would soon be accumulating. I did this over the phone was told this should take no more than XXXX weeks to process ( even accounting for longer wait times ). In the interim I was placed on forbearance with interest still accumulating, but no payments due. XXXX weeks passed and I called Mohela to see where my application stood and what was taking so long- they were not able to tell me or give me a timeline. Several more weeks passed and same thing, no answer after I waited hours on the phone to get ahold of someone to talk to - there is no information on their online portal. Last week on XX/XX/XXXX I called again and was escalated to a manager who stated that it looks like they had not begun processing the XXXX application because they still had not corrected the payment from way back on XX/XX/XXXX and until that was corrected they could not transfer my loans to the XXXX XXXX  -- so a XXXX week delay on their end. In the meantime I have continued to accumulate interest ; more than {$4000.00} of interest (!!! ) all because of their administrative delays in handling a payment I made on XX/XX/XXXX. Nobody in their customer service will give me any information on when this will completed and they seem unable to grasp why I am furious that their delays are costing me thousands of dollars in interest while I am in this limbo of interest accruing forbearance instead of XXXX  like I wanted. Not to mention every time I call to speak to someone it takes XXXX minutes to reach someone to talk to. At the time of this writing my loans currently stand at $ XXXX principal and now $ XXXX interest with my XXXX application still in a pending status. And I have no timeline for when it will change. And Mohela will not accept any responsibility for being unable to process my loans in a timely manner nor for the unnecessary interest that I am now responsible for.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

I disagree with the account listed below which still appears on my credit report, even after your first Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX - XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.. 

XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2017-05-04
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: BARCLAYS BANK DELAWARE (OK)

After receiving phone calls from numerous credit card companies/banks about charges and noticing some missing items at the end of  XXXX , I went to check my accounts thoroughly and noticed fraudulent charges. My bank in Oklahoma was able to find a name of someone that did the charges and we filed a police report. It has been found that a person I  may  know has done this. There are actual cards missing. I have charges from Barclay from  XXXX  and charges from  XXXX  by  Barclay   from   XXXX   XXXX  The credit card fraud team at  Barclay  has been very unwilling to work with me as a customer. Other credit card companies/banks have gone over backward to help me and provide steps to getting this taken care of. These other companies resolved issues already and helped me to file an identity theft report to credit bureaus. Barclaycard continues to beat around the  bush  and say they have not received my faxes. I have sen t four faxes   over  the last six weeks.  They are switching my story around and saying a girlfriend stole from me. I did not have a girlfriend and stuff was stolen from my wallet. They continue to twist the story to make me feel like this is my fault. I call once a week and it is always the same response, " we have not received anything, call back next week. '' I recently spoke with a supervisor, who told me he would be calling the officer and never did. He tried to hassle me and put words in my mouth about the story, which was very frustrating. He also claimed they receive hundreds of faxes a day so he did not understand not getting mine. Once again, they tried to act like it was my fault they have not received the faxes when I have confirmations that they did. All of the representatives at  Barclaycard  try to intimidate me and make me feel like the whole situation is my fa ult. One r epresentative told me to mail in my police report but if they did not recieve it, they would try to dig up the faxes, insinuating they had the faxed police reports somewhere. On   XXXX   XXXX  , they told me they have received an incident report, which is not a police report. It was a police report, it has a case number and details from the investigating officer. The officer working on my case tried to call them to explain it was a police report and they left him on hold  for 45 minutes  at the fraud department.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$1900.00}.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

On XX/XX/2023 I called XXXX and asked what was the update on removing XXXX XXXX XXXX  reference number XXXX for my consumer file. I was told by XXXX that I was being denied the information. 

Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

If the banking system is depended upon fair and accurate credit reporting, what's fair about XXXX from XXXX telling me that he can not provide the information of the third vendor that has verify this Bankruptcy that is reporting with only XXXX. I have informed XXXX numerous times that this Bankruptcy needs to be removed from my consumer file. I have provided numerous documentation and XXXX has failed me as a consumer in regards to reporting accurate information. 

I then called LexisNexis and spoke with XXXX. I informed her that I spoke with a XXXX rep today and he stated that LexisNexis verify this bankruptcy as accurate. XXXX pulled my filed and stated that its no bankruptcy reporting on their end and that they did a manual dispute with XXXX on XX/XX/2023 and the result were just mailed out to me on XX/XX/2023 and I should get them and XXXX to XXXX business days. She also stated that she didn't heard anything back from XXXX. Interesting thing is the XXXX rep stated that LexisNexis verify the Bankruptcy. I am being mislead by these XXXX Entities. LexisNexis and XXXX are working together to ruin my credit worthiness. I feel I am being bully and lied too and I don't like it. I have been informing them for a year now and nothing has been done. XXXX nor LexisNexis does not care about the rights and privacy of consumers. They are misusing their power that was given under regulation. It's not fair to continue to ruin a consumer file when proof has been provided. 

Please Help.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (FL)

Tried to send my crypto from Robinhood, but they needed to verify my identity. ( Probably should have done that years ago ). Their XXXX  XXXX  couldnt verify for some reason so I asked for a human to review my ID and get it fixed ( instead of their XXXX program ). I asked for them to stop holding my money hostage days ago to no avail. I have followed up 3 times and requested a manager call just to get hung up on, lied to, and strung along. No one has even given me an XXXX yet! They are holding my money hostage and costing me. This is not the first time either, they are constantly doing shady stuff holding their customers money hostage. Look what happened with the XXXXXXXX XXXX XXXX
Consumer complaint received 2018-05-17
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: Experian Information Solutions Inc. (NY)

I AM A VICTIM OF IDENTITY THEFT, NOTIFIED THE CREDIT BUREAUS OF THE ITEMS AND LATENESSES ON MY CREDIT FILE OF THE FRAUDULENT ACTIVITY ALONG WITH MY POLICE REPORT OF THE IDENTITY THEFT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACTIVITY AS DIRECTED ACCORDING TO THE FCRA LAW SECTION 605B WITHIN 4 BUSINESS DAYS AS THE LAW REQUIRES THEM TO DO AND THERE NELIGENCE HAS CAUSE ME TO GET TURNED DOWN FOR LOANS ECT. AS THE FRAUDULENT ACTIVITY ON MY REPORT HAS LOWERED MY CREDIT SCORE CAUSING ME TO BE AFFECTED AND IF I DONT HAVE THE SCORES REMOVED AS THEY WERE TOLD I WILL BE FORCED TO FILE A COURT COMPLAINT AGAINST THESE COMPANIES FOR THE NELIGENCE.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (IL)

THE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATIUON UNDER THE FCRA
Consumer complaint received 2023-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

XXXX online payments have not been processed XXXX, XX/XX/23 in the XXXX  of XXXX, XXXX  XX/XX/23 in the XXXX  of XXXX, nor on XXXX  XX/XX/23 in the XXXX  of XXXX. A Huntington bank associate told me they dont process payments on weekends but I didn't think TXXXX XXXX nor XXXX  were non processing days. I don't understand XXXX. I was also told by a Teller in person their processing day after the XXXX  is XXXX. XXXX XXXX XXXX dates are also misconstrued or altered.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

For my transaction with XXXX on XX/XX/XXXX, I have submited disputes to Citi and requested a police file from XXXX XXXX for the non-delivery of purchased item of value {$1900.00}. 

Citi closed the claim in XXXX 's favor despite abundant evidence from me and no evidence provided by XXXX. By law it is Citi 's fault and responsibility to reimburse the lost value due to its negligence in investigation, however Citi refuse to provide such a fund. Consumers should not bear the responsibility of loss when all duties, and when their financial institution does not serve their duties. 

XXXX : this fund and its following processings has lowered my credit score in Citi 's retribution. I hereby request Citi to remove and mend any damage done to my credit history.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (AR)

On XX/XX/XXXX between XXXX and XXXX XXXX XXXX I deposited a check into a US Bank ATM at my local branch in the amount of {$2900.00}. After using the tap method with my debit card and entering the PIN number I was able to select deposit in my checking account. The feeder opened up and I placed my check into the feeder. After the ATM took my check during the transaction it went offline and started rebooting before I could confirm the amount and get a receipt. I called my local bank branch and they instructed me to call US Bank customer service line since that local branch doesn't service their own ATM. I call the customer service line on XX/XX/XXXX at XXXXXXXX XXXX  XXXX to file a ATM error claim. I relayed all the information and the agent said " there was no record of any transaction or attempted transaction on my account. '' However, how was the ATM able to take a check from me if I didn't enter in my card information and PIN number? I was told the bank had XXXX business days to conduct an investigation. On XX/XX/XXXX a representative by the name of XXXX left a voicemail stating they needed more information about the claim. They wanted to know the card method I used which was the tap method and the last XXXX digits of my debit card. I returned the call and got her answering service and left a message giving the information requested and reiterated that I did not insert my card I used the tap method. All of this information was previously provided on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating my claim has been denied because they were unable to locate my deposit. I called US bank customer service and requested information on why it was denied and the agent could not give me an answer be there was no information in my file other than an agent reached out to me on XX/XX/XXXX. I deposited a check into a US Bank ATM at my local branch, the only branch in this city and US Bank claims they can not locate a check that their ATM took in the amount of {$2900.00}. I have been without access to my money for XXXX business days no explanation. There are cameras at the ATM and I'm not sure if they were even looked at because my filed was not updated with any information it was just denied.