davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit reporting 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: FactorTrust, Inc. (NY)

Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (LA)

On multiple occasions I contacted netspend about activating a prepaid card I had purchased and on the 2nd day when the customer service hours were activated I spoke with multiple rep 's and managers and was made aware of another card that had been activated without my consent. During these phone calls I told the representatives that I had active at this time fraud alerts on all my information and public reports and why didnt they follow such guidelines laid out in the reports or contact myself on the phone number placed in the alert. I was given no direct answer to these questions and when asked if I needed to send a fraud affidavit over I was told no no no and no until the 4th day on a Saturday that I needed to. I had spoken with a manager the night before who stated she submitted a request and it wouild be processed on Saturday the next day to unlock the card and once again no, no fraud affadavit would be needed. Saturday came and I spoke with XXXX who stated there was nothing anyone at that time could do and she would be submitted a fraud claim against the other card that was preventing this one from being activated. I asked why couldn't I activate this one without any online features and she stated once again no, I wanted to do this so atleast I could have availability to the funds. XXXX was of no help and offfered no solution.
Consumer complaint received 2024-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

I am writing to formally lodge a complaint against Nelnet regarding numerous issues I have encountered with their website and customer service, which have made managing my student loan nearly impossible. 

First, the Nelnet website is not user-friendly, particularly on mobile devices. The interface is cumbersome and difficult to navigate, and it does not adhere to accessibility standards. Even as a XXXX XXXX XXXX I can tell there are issues with tab order and ability to access elements, I can not XXXX this for a XXXXXXXX XXXX XXXX XXXX XXXX 

I have also faced persistent problems with the login system. Despite multiple attempts to reset my password, the process does not work as intended. While Nelnet provides a call center for support, the hours of operation are not accommodating for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The call center is closed during the hours when I am available, such as XXXX, which exacerbates the difficulty in resolving these issues. 

The live chat feature on Nelnet 's website is equally frustrating. It relies on an automated robot that is unhelpful and does not provide the assistance needed to resolve technical problems or account issues. Moreover, Nelnet 's messaging system is inefficient ; messages are not easily accessible and often go unanswered. I can sometimes click where it says I have a new message only for nothing to display and it say you have no new messages. 

Compared to my experience with Great Lakes, Nelnet has made accessing my account significantly more difficult. Simple tasks, such as applying for the XXXX XXXX ( XXXX ) plan, have been problematic. I submitted an application for the XXXX plan earlier this year and never received any correspondence or confirmation, leaving me uncertain about the status of my application. 

Furthermore, Nelnet does not offer an email contact or any alternative form of communication for addressing account issues or technical problems. This lack of accessible support channels is unacceptable and leaves borrowers without adequate means to resolve their concerns. 

In summary, the user experience on Nelnet 's platform is severely lacking in terms of usability, accessibility, and customer support. I urge you to address these issues promptly to ensure that borrowers like myself can manage our loans effectively and without undue hardship. I am still unable to access my account. This has been ongoing for over a month now. I believe I have correspondence related to my loan ( such as student debt relief programs ) and nelnet does not want me to know about and this possibly could be nefarious behavior.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MD)

I was charged interest incorrectly for purchases made using a Wells Fargo Retail Services card. I am not going to name the store because this isn't their fault. 

I made a purchase on XX/XX/XXXX which qualified for 0 % interest for 36 months. 
I made payments as expected until XX/XX/XXXX when I made an additional purchase in the amount of {$990.00} which did not qualify for 0 % financing. In order to avoid paying interest I made a payment for the same amount of {$990.00} on XX/XX/XXXX. I had already made a payment during that billing cycle on XX/XX/XXXX to cover the minimum payment so this payment was in excess of any minimum. 

According to the CARD act of XXXX payments in excess of of the minimum must be applied to the highest interest debt first. 
According to Wells Fargo their policy is if the statement cycle hasn't closed they apply the payment to the balance from the previous statement. So they applied my payment to the 0 % balance paying it off and began charging me interest on the account at 28.99 %. Regardless of statement cycle the payment should have been allocated to the debt which is being charged at the highest interest rate. In this case the newest purchase which would receive the cards standard rate of 28.99 %, not be applied to the balance not currently being charged interest. This was not during the last two months of the promotional balance. The promotional balance did not expire until XX/XX/XXXX. 

I contacted Wells Fargo on XX/XX/XXXX to request a correction, and they indicated they would " see what they can do ''. However, this policy is a clear violation of the intent and protections of the CARD act. I am submitting this complaint to prevent myself and others from being violated like this.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX a scheduled payment of XXXX was charged on my account and was covered by overdraft protection. 

On XX/XX/XXXX I submitted the amount of XXXX covering the transaction on the following day, ( within the added grace period.. ) later that night on XX/XX/XXXX my account was charged a overdraft fee.. 

Also similar XXXX XXXX $ overdraft fee charge for transaction posted on XX/XX/XXXX also called in attempt to cleared transaction within the time and was denied clearance of any charges within the grace period on or before XX/XX/XXXX.
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (WA)

I revoked access to my bank account and debit card XX/XX/XXXX. The company has continued to try to access my bank account and remove funds. I stopped payment to them, and they used another account number to take {$10.00} on XX/XX/XXXX. I again reached out to them to revoke access, they refuse to do so. I have emailed them every day this week and I keep getting the runaround. I live in fear that I'll get my direct deposit income, and they will take funds that will prevent me from paying my bills.
Consumer complaint received 2024-05-18
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: GOLDMAN SACHS BANK USA (NY)

I purchased 3 dresses from XXXX on XXXX for {$420.00}. I received the items in unusable, unwearable condition. They box and the items soaked in some toxic smelling oily substance. Aside from that, the dresses were made of cheap garbage, unfit for wear. I spoke with XXXX, and they tried to give me a partial refund of {$90.00}. I refused as that was not reasonable. Goldman Sachs sided on the company 's favor stating that because I refused the partial refund and did not ship the items back I was at fault. I refused to ship the items back to XXXX because XXXX was making me pay return postage for damaged goods all the way to XXXX. XXXX refused to guarantee me a refund at that point stating that " Upon receipt of the package, the item ( s ) will be inspected for signs of wear or damage prior to any refund ''. I was not comfortable with this arrangement because I already showed them that the items arrived damaged. It was a trap, a trap that I was asked to pay return postage for. I refused to agree - as anyone would. I would've been left with no proof and down even more money because XXXX showed me an outrageous quote to ship to XXXX. Goldman Sachs has refused my disputes 2 times and I have a third pending claim open right now.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

I have one late payment in XX/XX/year> beginning of the COVID 19 pandemic. I spoke with the company before and they said they would remove the late payment but it has not been removed. Please remove the late payment.
Consumer complaint received 2024-05-18
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (CA)

On the XXXX of this month I went to a XXXX XXXX XXXX  ATM to withdrawal bill money from my Direct Express account. The ATM gave me an error message, didn't give me the {$60.00} I tried to withdrawal, but the money was still removed from my account. I went to XXXX XXXXXXXX XXXX at my earliest convenience and despite this happening at their ATM they told me I have to tell Direct Express to put my money back. Direct Express is being no help by putting hurdles up that are impossible to correct in time for them not to deny my claim. They don't have my correct address, phone number, or email. I did as the told me to and emailed my valid California ID from my only email address, and they sent me an error message claiming my ID that expires in XXXX was already expired. I'm only asking for money that is mine. It can't be legal for XXXX XXXX 's ATM, or Direct Express to steal {$60.00} of my fixed income from me. I don't know why both banks are making receiving my own money as hard as they can make it. The ATM even gave me a receipt for a withdrawal despite the ATM not giving me that money. Why wouldn't the machine print that error message so I had it in print? Why won't XXXX XXXX tell me they can't do anything, contact Direct Express? Why won't Direct Express put the money I never received back in my account? I'm being bullied by two banks who are going to get my phone shut off. I have nobody I can get help from, but I shouldn't have to get help to get my own money. Please help me because to them it's {$60.00}, but to me I can't default on my phone bill, and they're stealing from my XXXX. This is scary, wrong, and it's not fair.
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE (GA)

We received an annual escrow analysis/escrow account disclosure statement showing that our escrow payments would increase from {$2100.00} to {$2800.00}. I have spoken to associates on the phone on XX/XX/XXXX and XX/XX/XXXX to try to request information, as the projections on this disclosure show that taxes would be paid twice annually. This is not correct for our jurisdiction as taxes are only paid once, in XXXX, for both county and city taxes. I am concerned that this has caused an incorrect calculation for our payments, and such a sharp increase will cause financial strain on my family.
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

Information reported on credit report due to illegal foreclosure in XXXX and XXXX Asked for Loan modification help information was lost in their system HUD did there investigation My information was last in there system After loan was brought current My house was still listed on XXXX for sale Spoke to the XXXX XXXX XXXX XXXX House to brought down the same day the loan is brought current Negative balance of XXXX in escrow in XXXX I believe. 

Received a check from Wells Fargo for overage in escrow for XXXX Now I am XXXX short in escrow
Consumer complaint received 2018-03-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (DE)

I have a VA mortgage loan with XXXX which is serviced through XXXX  XXXX. I have an automatic monthly payment set for the mortgage and anything more was to be paid to principal. Any time I try to pay additional principal Nationstar will take that amount and initiate a payment reversal, sometimes even taking additional monthly payments when not scheduled. It is so confusing and I am not sure how much money has gone to principal or interest? There have been as many as 10 transactions in one day, I do believe the bank keeps applying my money to the future interest instead of the existing principal but can not be sure. I have contacted the company on numerous occasions over the past few years trying to put a stop to this practice and to get them to right their wrongs but to no avail. The most recent contact was XX/XX/XXXX at XXXX with " XXXX '' and a few weeks prior with someone named " XXXX XXXX and still nothing?
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXL Account # XXXX, LA XXXX XXXX Account # XXXX has violated my rights. 

XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Today, XX/XX/2023 a distant family member contacted me to inform me that fifth third bank called to speak to me. This family member was at work and I do not have communications with often. We were both shocked because this distant family member is not listened on any of my information. This company also did not even call me. How are they reaching out to distant family member but never reached out to me? I feel so violated because they shared my personal information with a random person that I do not even have a relationship with.
Consumer complaint received 2018-04-14
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: Experian Information Solutions Inc. (TX)

I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from XXXX, Experian and XXXX and I noticed an unauthorized inquiry had been made. 
I contacted 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 who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

For years I had an aadvantage platinum which had an annual fee of {$99.00} billed annually in XXXX. On XXXX XX/XX/year>, I called to change the product to the no-fee aadvantage mileup card. I specifically confirmed with the agent that by changing the product that i would NOT be charged the annual fee for the aadvantage platinum. The agent told me that since the product change was effective as of XXXX XXXX that no fee would be charged. On XX/XX/year>, I was charged a MEMBERSHIP FEE MAY XXXX XXXX. {$99.00} which is XXXX full month after the product change to the no-fee card. I contacted citi by chat to request immediate reversal of the annual fee. I have attached the chat transcript. I was told that the fee will be refunded after XX/XX/XXXX. This is an unacceptable resolution. I would like it refunded immediately, as it is at best an honest mistake. or if not an honest mistake, fraudulent.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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. 
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
Consumer complaint received 2024-05-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

I RECEIVED A LETTER AND PHONE CALLS FROM A COLLECTION AGENCY RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX I CANCELED MY XXXX PHONE SERVICE BY PHONE AND TOLD THEM TO CANCEL MY PHONE SERVICE AS OF XX/XX/2022 BECAUSE MY HOME WAS XXXX XXXX XXXX ON THAT DATE NOW I RECEIVE A BILL FROM THE COLLECTION AGENCY THAT I OWE FOR XXXX, XXXX, AND XXXX OF XXXXWHEN I DID NOT OWN THE HOME AND SERVICE WAS SUPPOSED TO BE DISCONNECTED AS OF END OF XX/XX/2022 XXXX
Consumer complaint received 2024-05-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I volunteered repossession, I was told that after 7 years it would be cleared from my credit. I brought the car in 2012 I believe. Paid the car off but was still paying interest. It's been 10 years and this car still shows up on my credit report even after I've had it disputed.
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NJ)

I had reviewed my credit report and saw a collection listed on my credit report for Wakefield and Associates. I had sent a letter to the address listed on file for their agency on XX/XX/2024 requesting them to validate the debt and as of today, XX/XX/2024 they have not responded to any of the requests in the letter. I contacted the agency by telephone and they indicated they have no information concerning the debt. I disputed the collection account with the credit burea as it is currently listed on my XXXX Credit profile and the Credit Bureau is saying the debt was verified with the collection agency.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc (IN)

I received an alert from XXXX credit reporting company that an unauthorized and unsecured loan was taken out in my name at Affirm , Inc. with an address of XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX on XX/XX/year> for {$150.00}. It is a 6 month installment loan and the only partial account number they provided was XXXX... 
I have no reason to deal with this company and never authorized any type of loan with them. No one I know is authorized to utilize my name or personal information to secure a loan.