davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo advertises a days grace period to add funds to your account in order to avoid overdraft fees. I wanted to add {$25.00} to my XXXX account on XX/XX/XXXX and the transaction was approved. However the next day Wells Fargo tried to say the money was not available. Anyone who has ever tried to add money to a XXXX XXXX  account knows if the money isnt available, the transaction would not be approved. I have an automated debit of XXXX $ to my savings from my checking every day, this is what put my account into the negative by literally cents. I did add money to the account on XX/XX/XXXX to cover the overdraft of {$35.00} plus the XXXX it went over. When I called, first they refused to reverse the fee, then proceeded to tell me well its not really a days grace period, its a banking open XXXX closing.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (NE)

On XXXX XXXX i disco ered that my EX husband has opened an account with my name on it. At thetime i recived a document ti fill out and cloae my account. I completed the forms made myself copies and mailed the documents. Today XXXX i called Navy Federal and they told me i couldnt remove myself from this account because... i wasnt the owner of the account, his account was locked, that i hadnt sent in the forms, that i sent inthe wrong forms, and what ever other excusethey could come up with to hang up on me
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One said they derogatory received information reason why they regarding closed all accounts as of XX/XX/2023. 

Reference XXXX XXXX  XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card ISSUE Closing your account XXXX. XXXX XXXX XXXX XXXX XXXX Capital One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX. XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Spark Business Capital One
Consumer complaint received 2023-09-12
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX I purchased a round trip airline ticket through XXXX XXXX. I was charged the correct amount for the ticket itself, which was {$11.00}. I upgraded my ticket to extra legroom both ways. This incurred a correct charge of {$160.00} for the flight to XXXX and a correct charge of {$120.00} for the return trip to XXXX. These charges should have totaled {$300.00}. 
That same day, I was erroneously charged the {$160.00} and the {$120.00} an additional 16 times each, totaling {$4700.00} I contacted my CC company XXXX XXXX XXXX Barclays Bank ) and explained this to them. They told me I had to contact XXXX XXXX to have the charges refunded. 
I did this on XX/XX/XXXX and was refunded only {$2500.00}. I contacted them again on XX/XX/XXXX and XX/XX/XXXX. They stated they could see the charges and I would be refunded the rest. This has not happened and I am still owed {$2100.00}.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

In reference to complaint number XXXX, we have not received a response from Nationstar. Per their last communication to us, Nationstar was to provide a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and we have not heard from Nationstar.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I have been trying to get in touch with this company who now services my loans ( Nelnet ) multiple times with no success. I emailed them on : XX/XX/26 and received an automatic reply : Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : where you can view your loan details, apply for repayment assistance, and more. 
For answers to common questions, check out our FAQs page. 
For information about all aspects of federal student aid, please visit StudentAid.gov.

And never heard back from anyone. 

I have been trying to call them with questions on my account 5 times over the past 2 weeks. I have Waited on hold for as long as two hours with no answer. 

There is absolutely no way to get in touch with them regarding my account and this is unacceptable. 

I wanted more info on forbearance for a natural disaster, which they emailed me about and instructed me to reply to the email to say yes to opt in. This was never replied to and my account has no forbearance applied.

This servicer was not my original loan servicer and took over the student loans after the COVID pause ended and is completely inadequate in handling any form of my personal finances. I will not be making a payment until I speak to someone at this company.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED BANKSHARES, INC. (VA)

On XX/XX/XXXX I went to the United bank ATM to make a deposit & I deposited {$800.00} into the ATM when it took my money, said transaction cancelled but did not give me back my money. I filed a dispute with my bank but they are saying the ATM balanced out & there is nothing more they can do when I in fact know I deposited this money because even my mother witnessed me do so. I need help because this is my hard earned money that they are taking away from me.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

Did my XXXX taxes at wells Fargo Bank at XXXX XXXX XXXX in XXXX XXXX, co XXXX sponcered by XXXX 's I was supposed to recive back my ( XXXX ) stimules checks which i havent recived as of this date XXXX XXXX ( XXXX ) check for {$1400.00} and another ( XXXX ) check for {$600.00} they both were placed in someone elses account ive worked with internel revnue services ive put traces on them ive gone through a irs advict to recover lost funds and noone can help me ive got day dates and times who i spoke to said the bank had so meny days to retreve said moneys from irs and still nothing while keep telling me going to take another 90 days so now im reaching out to your comp to see if you could help me someones has my moneys and cant get anything do about it ive gone through wells fargo bank went th ett ough irs the irs advict etc all this was started on XXXX and the account no ive got as well please help direct me and help get this resolved i e got a hardship over this whole thing i became homless living off grid please help thank you XXXX XXXX
Consumer complaint received 2022-12-10
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Names : 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 GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 



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Consumer complaint received 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

Every single time I attempt to sign into pay my student loans or manage my account I am forced to change my password because the old one is no longer valid. I can quite literally enter a password that no longer works for five minutes. I believe this is intentional force borrowers into making late payments and paying additional fees.
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (NJ)

This information that I show here is to be removed from my report since it is not mine and it affects me. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received my credit report on XX/XX/2023 and I noticed there were hard inquires that don't have permissible purpose to be on there. These hard inquires are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have attached the hard inquires that don't have no purpose to be on my credit report.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under usc 1681. I told XXXX, Transunion and XXXX to reinvestigate these accounts name and number is : 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. However ; they stated everything was complete and accurate but how is that possible if the open account dates, date of last activity and much more is incorrect, usc 1681 : ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 usc 1681 section 602 states I have the right to privacy,15 usc 1681 sec,604 a, Section 2 : it also state a comsumer agency can not furnished an account with out my written instructions. 15 usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has responible cause to believe that the information is inaccurate. I am not liable for this debt, with these account. I do not have a contract with these accounts, They did not provide me with the original contract as I requested.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-10-25
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: Experian Information Solutions Inc. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I attended the XXXX XXXX Institute of Art ( XXXX ) around XXXX. I was not able to get full funding to attend. I was " fortunate '' enough to have a mother who was willing to co-sign for a parent plus loan that we were told she would be able to be removed from once I became financially sufficient [ by bank standards ] to own the loan myself. 

Fast forward to when I needed to switch the loan over, due to it creating issues for my mother and her husband trying to buy a house, and I was finally financially stable enough to take the loan over. Well, we weren't able to remove her as co-signer and instead was told that the only way to remove her as a co-signer is to consolidate the loan. This action would have a MAJOR impact on my federal protections and ultimately stick me with a horrible loan. However, I had to do it to ensure that my debt was not also impeding my mother 's ability to buy a home and live her life. 

Several years later, my school was found to be predatory, fraudulent, and ultimately closed down after being sued by the Commonwealth of Massachusetts. In 2023, the school, now closed, was part of a class action settlement [ XXXX vs. XXXX, formerly XXXX vs. XXXX ] - my school, again, was found to be fraudulent and misleading in a multitude of ways. My degree is now worthless, and I am stuck paying a loan that I was forced to consolidate, which would have been canceled and repaid to me. It makes NO SENSE that I, or any other student, should be forced to pay back loans after being defrauded. The courts agree, but unfortunately only in regards to federal loans at this time.
Consumer complaint received 2023-04-26
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. (AR)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon a recent review of my Consumer Reports I observed that for my account with XXXX XXXX XXXXXXXX XXXX XXXX a late payment is being reflected in XX/XX/2022. 
I have never submitted a late payment for this account : Name : XXXX XXXX XXXX/ XXXX XXXX Account Number : XXXX Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 USC 1681i ( 5 ) the credit agencies are required to modify any and all accounts that are not reporting correctly. 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.

This account currently reflects several reporting inconsistencies and inaccuracies across the three credit bureaus ( XXXX, TransUnion, and XXXX ). For this reason I am requesting an investigation and verifiable proof ( with statements ) that a late payment was made on this account. If proof can not be provided, I demand this LATE payment status be corrected and updated to accurately reflect that an ON TIME payment was made for XX/XX/2022. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-04
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)

Equifax credit reporting agencys shows XXXX fraudulent inquires, please remove all fraudulent inquirys listed below inquiries XXXX XXXX XXXXXXXX Inquiry dateOct XXXX, XXXX Removal dateXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX 'S XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX  Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (FL)

there are a couple inquiries in my profile i do not reconize 1 XXXX XXXX XXXX 2 XXXX XXXX repor XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4 XXXX XXXX repor XX/XX/XXXX 5 equifax morgage solut XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXXXXXX 7 XXXX XXXX XXXX