davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OK)

I have a student loan that was serviced by Nelnet. 

At the beginning of the COVID pandemic, around the time that the pause in interest and principal payments for student loans was announced, I had contacted Nelnet to get set up for the pause. 

At that time, Nelnet informed me that I was not eligible for the pause. I asked what I would need to do to qualify, they ( Nelnet ) told me there was nothing that could be done to qualify for the pause. So, I continued to make auto-debit payments because at 8 % interest the loan balance would continue to increase significantly. 

In XX/XX/2022, I was informed that I could transfer my loan to the federal government and then qualify for 0 % interest and stop payments during the pause, which I did. 
After the loan transfer, the 0 % interest was applied to my loan and payments paused. 

I believe Nelnet misrepresented my eligibility for the pause originally and they certainly misrepresented the fact that there was nothing I could do to qualify, when all I simply had to do was transfer my loan. 

I am not certain there is much that can be done about that misrepresentation, but I do believe that the following description addresses the more recent misrepresentation and attempted fraud by Nelnet. 

I recently became aware that individuals who had made auto-debit payments during the pause were eligible for refund of principal and interest. I found this information on the website www.studentaid.gov. 
The website directed me to contact my loan servicer, Nelnet. When I made the request on XX/XX/2022, they said they would get back to me within four to six weeks. 
When they did contact me on Thursday XX/XX/2022, they informed me that I was not eligible for a refund of principal and/or interest because my loan was not in deferment during that time. 

Logically this made no sense because if I had been in deferment there would have been no payments made and no money to be eligible for a refund. 

I do have a recording of the last conversation that I have just described, if that is of any use. 
The amount that should be refunded to me is approximately {$21000.00}. 

I need assistance in getting my refund from Nelnet XXXX XXXX XXXX! 
And they should be required to pay interest to me on the money unfairly kept.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found (PA)

On XX/XX/23 my account at Found.com was breached without my knowledge, the people who committed the fraud, got into my online back account, all in the same day, they added a new payee to be able to send money in a way that i have never used before with the bank, changed the phone number so that i don't get any alerts, and wiped out all my money in the account, then closed the account. I contacted the bank the very next day and spoke with a female and advised her of what happened, she put the account on hold and sent it to the fraud department. The fraud department doesn't take calls and once its in this department no regular customer service person can help you but they are the only ones you can contact. The bank claims the did an investigation and said since the transactions were originated from my online bank account its nothing they can do. Sd that the code they send out to very actions on the account were verified. as i told them its a new number on the account and no emails were sent to us. I contacted them in enough time that they could have contact the receiving back and asked them to put the funds on hold due to potential fraud, they didn't do anything, i did my own research spoke with the person who stole my money by calling the number they had put on the account, i asked him if he was the one that stole my money, he laughed and said i got you. This bank due to its processed or lack of allowed this fraudster to steel all of my money over XXXX that is for my business. The bank didn't take the steps that any other bank would have, closed the account, give me a new account so that my business can continue to run, provide a provisional credit until the investigation is complete, after weeks of going back and forth with the bank, and i told them how any other bank would have handled this, they finally gave me a new bank account number, but by then i already moved to another bank because my business still needs to operate. I truly believe this was an inside job, because i chose a bank that people doesn't know about, and no-one knows that i bank with this bank. I asked for documentation of who changed the phone number, IP address at time of the transfers and phone number changes, the bank has not provide anything. I dont think this is a real bank because the way they handle this was not bank like.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I have made payments in excess of the statement amount due since XX/XX/XXXX. I called on XX/XX/XXXX and spoke to XXXX at Nelnet and she advised that she did ot know why my statement liste a past due amount and someone from their accounting ops department would review my account and I should call back in 2-3 weeks to see if it was resolved. I called on XX/XX/XXXX and soke to XXXX at XXXX at Nelnet . She advised that the statements I was being sent did NOT include any accrued interest that was owed prior to XX/XX/XXXX ( - {$240.00} ). So the statements I am receiving and have been paying in excess of do NOT show that an interest payment was still outstanding. It also does not show any fees associated with my loans. The rep advised there are no fees, but I can not confirm that since accrued interest and fees are NOT included on the statements that NELNET is sending out. This is a deceptive practice and they are sending people inaccurate statements that will automatically make them have late payments ( - {$64.00} ) and which can result in fees ( that they do NOT include on the statements ), as well as negatively impact credit scores and credit reporting information for myself and millions of Americans. I have called and they will not update their statements to show the accrued interest or fees associated with my student loans. Please have them update this practice.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

The personal information have been removed per the request : To the Consumer Financial Protection Bureau ( CFPB ), I am reaching out to express my profound dissatisfaction and frustration with the way a recent fraudulent activity on my Chase debit card has been handled. My account is under the name XXXX, and the account number is XXXX 
Between XX/XX/2023, unauthorized transactions took place on my debit card at XXXX XXXX ( {$2200.00} ), XXXX ( {$1500.00} ), and XXXX ( {$2600.00} ) in XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, GA. I promptly contacted Chase customer service on XX/XX/2023, upon discovering these transactions while I was on vacation in XXXX, GA between XX/XX/XXXX and XX/XX/XXXX. I can provide evidence to support my claim of being away during that specific period. 
Despite presenting clear evidence of my absence from the transaction locations, the Chase representative stated that the bank couldn't take any action as the transactions occurred within a XXXX radius of my home. This response is not only insensitive but also fails to acknowledge the possibility of fraudulent activities beyond my control. 
I explicitly requested an investigation into the matter, urging Chase to use any available surveillance footage from the transaction locations. Unfortunately, Chase has not cooperated and has dismissed my request for an investigation. 
It is alarming that I did not receive any notifications from Chase about these suspicious activities, raising concerns about the effectiveness of Chase 's security measures. My stolen debit card was used with a signature instead of a PIN, emphasizing that the transactions were not authorized by me. 
Referring to Chase 's insurance policy, which assures customers they won't be held responsible for unauthorized charges, I expect Chase to honor its commitment and promptly refund the entire amount of {$6300.00} to my account. I have filed a police report with tracking number XXXX. 
I urge you to thoroughly investigate this matter, reconsider the denial of my claim, and take appropriate action promptly, and refund my money which was taken from my account without authorization. 

Sincerely,
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (SC)

late XX/XX/XXXX i requested money be moved from my ira to my checking account i called the bank and they said to scan the request in i did so but i did not here anything i called the bank in early XX/XX/XXXX and the bank said they do not take scans the request and to be made by fax or in person i faxed the request on XX/XX/XXXX i did not here any thing so i called in late XX/XX/XXXX the bank said they had received the fax and it would be 6 to 10 weeks i told them i needed the transfer in XXXX for tax purposes the bank said they could back date the transfer if necessary on XX/XX/XXXX i called to check when i was going to get the money the bank on XXXX said the transfer was denied because my birthdate was not on the fax this not true my birthday was on form i faxed and that i would have to start all over i now have a tax problem for my XXXX return and i can not get money XXXX
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (SC)

XX/XX/XXXX FNB : First National Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Primary Acct # XXXX RE Formal Complaint for Predatory Fees/ Failure to Close Business Account I sent {$940.00} out of my FNB account on XX/XX/XXXX ; when I sent this all funds were available, and this zeroed out the account. However, the transaction didnt post until XX/XX/XXXX. When I logged in today, the account was at a negative {$80.00} [ not because of my wire ] but because of your {$29.00} predatory fee and then I was charged a {$35.00} overdraft charge with two additional overdraft charges of {$8.00}. Please see the screenshot below. 

The CFPB prohibits predatory fees in banking. Please see attached publication from the White House. Im filing a formal complaint with the CFPB and the XXXX XXXX XXXX. 

I know that your bank will do the right thing and reverse these predatory fees of {$80.00} and correctly close out the account. Keep in mind, XXXX XXXX XXXXXXXX [ a much larger and more profitable bank ] only charges {$16.00} per month for a fee for a business fundamentals account and there are multiple ways to avoid that fee. Additionally, since XXXX, theyve reduced their overdraft fees from {$35.00} to {$10.00} due to recent inspection with regulators. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-23
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. (NC)

Ive called and written to XXXX credit reporrting agency on numerous occasions for address, late payment and other claims on my report. They have defiled my character and stopped me from getting credit with numerous financial institutions. Ive tried for months to get these false reports removed. According to law 15 USC 1681 section 604 it allows consumers privacy. I never gave my consent to post anything concerning my private information. Addresses other the my current address is irrelevant. All hard inquiries outside of XXXX XXXX Bank arent mine. Late payment and other derogatory statements arent mine.
Consumer complaint received 2024-01-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I think the interest on this loan is excessive.to date I have repaid XXXX on a XXXX loan and they are saying that I still owe XXXX dollars more.in addition I suspect I was charged interest on a payment that they reversed to me.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank has covertly changed my credit card statement delivery method to the Paperless option without providing proper notification. Consequently, I missed my payment date on XX/XX/XXXXXXXX  and again on XX/XX/XXXX. The missed payment on XX/XX/XXXXXXXX  resulted in a {$20.00} late payment fee and an {$11.00} interest charge on purchases. 

When I contacted their online agent, XXXX, to request a fee waiver, he informed me that the fee had already been waived in XX/XX/XXXXXXXX  and could not be waived again. I stressed that I was switched to paperless delivery without notification and requested a supervisor to review my previous chat. However, he ignored my message and ended the chat. 

Every few months, Truist Bank prompts me to select statement delivery options, and each time I choose the " Mail Only '' option. Subsequently, I discover that I have been switched to the " Paperless '' delivery option without any notification. When I bring this issue to their attention, they blame me for selecting the " Paperless '' option. Truist Bank is the only bank I have encountered that changes statement options without notifying the customer. I hope this complaint prompts them to review with their IT team to identify the cause of their system automatically changing the statement delivery option even when the customer selects " Mail Only. '' In the meantime, I request a refund for the fees incurred. Thank you.
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$610.00}
Consumer complaint received 2023-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

We are a XXXX non profit organization and receive donations from the congregation. We use Paypal to receive donations. On XX/XX/2023 we received an email from Paypal that " After a review, we decided to permanently limit your account as we found potential risk associated with it. 
You'll not be able to conduct any further business using PayPal. ". 

We are now unable to access funds in our account. 

We have tried to contact PayPal. But, we could not find a way to contact them.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

To whom it may concern, I am a consumer who opened this account to extend my credit with FORTIVA in good faith. I had this account placed on auto pay from the time it was opened up until FORTIVA deceptively charged me a late fee and refused to provide any help or remedy besides taking the payment and applying it to the balance on the account. FORTIVA has since then been continuing to violate my consumer rights and has harassed me calling me all times of the day with over 20 phone calls in the month of XX/XX/XXXX alone causing me severe emotional distress. I just received a call from a FORTIVA representative at XXXX on XX/XX/XXXX and when I asked if they would not call me so late, he rudely stated is it not XXXX for you? Regardless of what time their company hours are, I explained to him that was severely inconvenient as I was putting both my toddler and infant to bed and have to wake up extremely early to get them ready. The very next day on XX/XX/XXXX I received another call from FORTIVA at XXXX which blatantly shows the lack of respect for consumer rights. Pursuant to the Fair Debt Collection Practices debt collectors are prohibited from placing repeated or continuous telephone calls to you or having telephone conversations with you with the intent to annoy, abuse, or harass you. Placing a telephone call includes telephone calls that the debt collector makes and that go into voicemail. Debt collectors are also prohibited from calling more than 7 times in a seven day time period. FORTIVA called a total of 8 times in a 7 day period from XX/XX/XXXX, XXXX XX/XX/XXXX including calling multiple times in one day less than an hour apart and I have a record of each time FORTIVA has called and a record of the XXXX second call that lasted on XX/XX/XXXX and the call I received the very next day at an even later time. I offered to pay the bill with the removed late fee when FORTIVA called me initially before the payments began to add up and FORTIVA refused that payment and only wanted the full payment with the incorrect late fee charge. FORTIVA has since suspended my credit card and has violated my right to privacy by reporting negatively on my consumer report resulting in defamation of character and tarnishing my credit reputation.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Affirm Holdings, Inc (NY)

On XX/XX/2024 I used Affirm mobile banking system. They have an option to send out a debit card for use to split payments over XXXX dollars. As of XX/XX/2024, I had XXXX dollars available in my purchasing power. On XX/XX/2024 I went to service my car. I spent XXXX. It was not offering me a split. It had said the payment was still pending. When I called the next morning, I spoke to three different representatives. They all told me different things. One said I did not have enough purchasing power, that I had XXXX. Which would have been accurate as of after the purchase at the auto body shop. When I was transferred to manager the first time, He told me that I not only didn't have enough purchasing power, that my bank account wasn't connected! I told him to look at the prior purchases! I had spent on that card numerous time. He proceeded to tell me I had just put a bank account " 3 minutes ago '' on the account. I said that was a flat out lie. I encouraged him to look at my payment history. That I was a good customer that has never missed one payment and even paid early! I asked to speak to another manager. He said I would have to call back and he was not transferring me. I then told him that would be fine. I called back and spoke to a woman name XXXX who has been the most professional of them all but still did not resolve the issue. She assured me my bank account was on there but still went on with this purchasing power LIE. As I got off the phone I went a looked at my account to screen shot more information as I did the whole phone call. When the app refreshed I noticed now as of today XX/XX/2024 I only had XXXX of purchasing power when this morning I had XXXX and I have screen shotted proof!! So the second rude male rep I spoke to must have decreased what I am avaliable to spend. WHICH STILL WOULD BE ABOVE XXXX ANYWAY! But the audacity of this company. The customer services reps lie, they do not tell you correct information. That will be my very last purchase with them. PLEASE BEWARE OF THIS COMPANY. I KNOW IT IS CONVIENT TO SPLIT PURCHASES BUT IT IS NOT WORTH THE LIES AND HEADACHE AND THE TYPE OF PEOPLE THAT WORK THEIR HAVING YOUR BANK ACCOUNT INFO!!!
Consumer complaint received 2024-01-05
Product: Credit 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: AMERICAN EXPRESS COMPANY (NC)

American Express has to be breaking the law at this point or be in violation of the FDCPA or FCRA. 

They are continuing to report an account on my credit reports that I informed them multiple times was opened fraudulently in my name. Not just are they reporting it, but they continue to update it despite there being no activity since 2018 apparently. 

Ive reached out to them multiple times to resolve this by making them whole and paying the balance on the account in exchange for them removing the account from my name, since IT IS NOT MY ACCOUNT! 

Their call centers are impossible to talk to. Their employees follow scripts and are unable to think outside of the box or come up with a solution. 

Ive been on hold hours before only to be transferred, being told this department cant help and then transferred to the another department who also cant help, only to end up with the department I started with originally. On multiple occasions calls would just drop during the transfer process or I would be hung up despite remaining courteous at all times and just looking to resolve this situation.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (CT)

I have been trying to contact Someone in the fraud department from M & T Bank for Three days. Hold times have been over 3 hours. I finally got through and was hung up by an automated teller.

I have tried transferring money from online checking account to XXXX XXXX XXXX and I keep getting a message to call my bank. I have had zero luck contacting my bank and at risk of being late for a loan. 
please help.