davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK (TN)

back in XX/XX/XXXX I tried to open a max rate checking account with e*Trade bank and received an error message that my SSN was invalid, so I called in a spoke with a rep. I confirmed that I previously had an account but it was closed. I was advised if the system was not allowing it to be done online to print and fax the application for a new account which I did. I submitted it and called to check on it later, this went on for about a month. I would call every couple of days to check on the status of the new account and was told it was in review, I was told send color copy of photo ID and SSN, which was done. I called few days later and told to submit again, this happened multiple times. Well almost one month later they finally opened the new account, they opened it up on XX/XX/XXXX which was exactly 3 days shy of being a month that this application for the new checking account had been in review but it was finally opened on XX/XX/XXXX. I called in to inquire about my debit card issuance and was told they sent card to my old address and when the new account was opened they did not update my to new address or update any of my contact numbers or info and still had all the old info. I would have assumed they would have updated everything since all my updated info was provided with the new application that they took a month to process, review and open. So the rep tells me they sent debit card to wrong address as they had my old address and had my new one as a mailing address but she would fix but I needed to send a written request along with a copy of my ID yet again, this was their fault not mine so I Did as they asked after complaining about it. The account was In review to even be opened for a month I would have thought this was already addressed since it took so long to even open. They resend debit card to me to correct address and the day after I activate card IM told my account in restricted. I call in and am told they again need another copy of my drivers license, SS Card and I explained all provided before and they say they cant see. So I upload info and call, to my surprise I'm told more info is needed yet again and a photo of myself holding my ID in the photo which I provide. I speak to supervisor who says they appreciate info being sent but need another photo, now they are holding my funds in the account and won't release even though they have verified the check deposited was valid by the bank who issued it. they have had the funds and check for weeks, if it was bad it would have surely been returned by now as its been three plus weeks, they accuse me of not being the person to open the account and are not returning funds in the account and send letter accusing someone of fraudulently opening account in my name and are not holding my Money and won't return it even though they closed my account a week and a Half ago, this is ridiculous and a joke.
Consumer complaint received 2022-05-03
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. (TX)

XXXX XXXX XXXX is reporting false & misleading information. 

Name on alleged debt doesnt belong to me. Different name on account. 

XXXX {$260.00}
Consumer complaint received 2022-05-03
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I am an XXXX old widow and have been making charitable contributions through XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA, for a XXXX church in the predominantly-XXXX  country of XXXX. With their end-of-year giving statement, the church indicated that checks had been periodically been stolen from the churchs mailbox throughout the year and that donors should check their records for any fraudulently-cashed checks. I did that and discovered that two of my checks had been cashed without any endorsement. XXXX  the Truist " Bank Services Agreement and Privacy Notice, '' I immediately reported the fraud to the local branch, making a fraud claim at a local branch. I also paid the fees to perform a stop payment on two outstanding checks. I was not given any documentation, but was told that I would hear from them within 30 days. After 45 days, I went back to the local branch. They said that, because of the transition from SunTrust to Truist, they had not done anything yet and they would elevate the claim. After not hearing anything from them for some time, I went to the local branch yet again. They called someone that said that the claim had been denied because it had been over 45 days. Throughout the entire process, I never received anything at all in writing from SunTrust/Truist. To the best of my knowledge, they have done nothing to help me. 

The two checks total {$2200.00} ( check no. XXXX for {$100.00} and check no. XXXX for {$2100.00} ). 

I have had a checking account at Truist Bank before they were SunTrust, since they were known as XXXX, and am very upset at the lack of respect and support they have shown me.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (MD)

I filed an online dispute regarding a collection on my credit report reported by XXXX power bill. 
I submitted all documentation showing I do not owe XXXX power anything and still Experian refuses to remove this from my credit report.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc. (NY)

I received a letter from a collections agency that I owe almost XXXX to XXXX XXXXXXXX XXXX. Ive never heard of that bank and never taken any loans from it. If this bank has contacted an agency to collect a non-existing debt, then this lender engages in fraudulent practices and must be investigated. I could be just one out of hundreds of scammed people.
Consumer complaint received 2021-09-08
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. (CA)

On XX/XX/2021 I sent a letter to Equifax and XXXX through certified mail. Tracking # XXXX to XXXX. Tracking # XXXX to Equifax. It was received XX/XX/XXXX and XXXX. In the letter I stated I had a filed an FTC Identity Theft report for a fraudulent item on my credit report. A XXXX XXXX Account was fraudulently placed on my report. In the certified mail I included a copy of a completed FTC Identity Theft Report, letter stating the issue, Copy of Social Security number and Copy of Driver 's license to verify my identity. I called to ensure delivery of items. According to sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked and deleted. Equifax and XXXX has failed to comply with the law.
Consumer complaint received 2022-03-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NC)

I dispute the amount of my federal student loans, and would like a copy of the agreement or promissory note outlining the terms of my loans, which span XXXX, XXXX, XXXX. I don't have any records showing what I am being asked to repay and how those funds were distributed to the school.
Consumer complaint received 2022-05-03
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: WELLS FARGO & COMPANY (IL)

In XX/XX/2022 I have received an offer from WF XXXX for {$25.00} off new XXXX XXXX membership ( exp XX/XX/2022 ). I purchased one for {$45.00} on XX/XX/2022 however the {$25.00} was not credited. When I contacted WF I was told that the offer ( attached ) either doesn't exist or I didn't activate it. The supervisor actually told me that if the offer existed it didn't need to be activated however she said she can not address this issue ( even if I would send her a screenshot of what sent to me ) and has to refer the matter for " research. '' I was also informed that to have the issue addressed I would have to go through four different escalation levels. This requires not only an incredible time consuming and administrative burden process that I believe has been designed on purpose not to pay out. 
XXXX I think it is shameful that the CSRs dealing with this issue are unable/address this issue even at the point of proving the offer as we speak on the phone.
Consumer complaint received 2020-08-03
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: GOLDMAN SACHS BANK USA (AL)

On XX/XX/2020 I purchased a XXXX with special financing of 0 % for 12 months offered on my existing Apple Card issued by GoldmanSachs.  When my statement was made available on XX/XX/2020, it states that I must pay for the entire purchase by XX/XX/XXXX in order to avoid finance charges. When I contacted them regarding this error, they repeatedly transferred me to Apple to return the computer. I do not want to return the computer. I want the financing that I was promised when I made the purchase. I also advised them that I wanted to dispute the terms of the purchase and they informed me that someone would call me back in 14 days to take my dispute. This is also illegal. The entire way that the purchase is set up is unfair and deceptive to consumers.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I mailed a certified letter XX/XX/2022 to the Credit Bureau about inaccurate information regarding a 2 XXXX XXXX charged off account with inaccurate balance they responded stating I was not specific with my dispute. 

XXXX XXXX account # XXXX  XXXX this is a charged off account which has an inaccurate balance amount also with an inaccurate past due amount listed has also inaccurate Date of First Delinquency and also Date of Last Payment please delete this account as it has inaccurate information Tracking # XXXX I also followed up with another letter for my dispute Tracking # XXXX XX/XX/2022
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I had an auto loan that was XXXX in a XXXX  XXXX bankruptcy on XX/XX/XXXX. XXXX XXXX XXXX XXXX was the creditor of said loan and continuously submits the settled account to my credit report as a derogatory remark. I have contacted them and they have confirmed that the account is settled, but claim that they are unable to correct it with the credit reporting agencies. I have disputed the error with transunion and they confirmed that it is settled, but did not remove it from my credit report. On XX/XX/XXXX I was notified by XXXX that XXXX XXXX XXXX XXXX has submitted the settled account as a derogatory remark to my XXXX credit report. I disputed it and am awaiting the results. If I can not get this resolved by going through the proper channels, my next course of action will be to file suit against all parties that fail to correct these fraudulent reports and seek extra compensation for the stress and hardships this has caused me.
Consumer complaint received 2022-05-03
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. (NC)

Account Name : XXXX Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions
Consumer complaint received 2022-05-03
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. (NC)

Account Name : XXXX  Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

The Issue is with XXXX XXXX XXXX XXXX collections Agency..for ( XXXX XXXX XXXX. ) For Debts..They Suspended my ACCOUNT And Sent it To ( Experian To Removed from my Report.withen 30 days..I Need Your Help if You Can to get EXPERIAN To UPDATE My Report ASAP..I Need it off so I CAN Get A Apartment for XXXX move in Date..Experian must Be off My Report to do so..
Consumer complaint received 2019-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (OH)

Got a loan thru XXXX XXXX for 250.00 came across difficult times could not pay back they contacted employer and said to garnish wages human resource person called me and asked me about this no court order I agreed to 50.00 biweekly what they want is 750.00 I have already paid about 400.00 is this legal
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Ingo Money, Inc. (PA)

Today XX/XX/XXXX i chose to use ingo money app to cash a unemployment check of XXXX . I submitted my check it was approved and all was good until i got an email saying funding failed. I contacted them realize my old debit card on file changed it and their support told me it would be sent there once that card was verified. I get an email saying my funds were sent yet nothinf was in my account. I contact ingo and they inform me they sent it to a paypal i had on file. Heres where its a problem. 1 : i never chose to have it sent to a XXXX  or even had XXXX  mentioned between me and them once. 2 : ill provide a photo showing directly in their app under my payment accounts there is no XXXX  listed. I didnt even remember it was and definitely never chose it.3 : this paypal i no longer have access to and would never of chosen it be sent there. They expect me to contact XXXX  to send it back. I paid an extra fee to have this money sent to my bank account in minutes and against my consent they sent it to an account i didnt chose. They just act as if its not their problem. They went against my consent and my knowledge and sent that money somewhere i won't get back this is ridiculous and i honestly want something legally done about it
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

Good morning, I have a checking account with Chime bank. On Friday morning XX/XX/XXXX I bought {$30.00} worth of gasoline from an XXXX gas station. If youre not familiar with Texas grocery stores, XXXX is a widespread chain with hundreds of locations throughout Texas. I shop here frequently, and at some of their locations they have gas pumps. I bought {$30.00} gas on XX/XX/XXXX. This legitimate charge is reflected on my payment account. Later that day I noticed a charge at an XXXX XXXX XXXX for {$100.00}, this definitely was not me but sometimes XXXX will put a hold on debit cards for around {$100.00} so I did not think much of it. However the next day another Unauthorized debit went through on my card for {$76.00}. Again this was not me. I contacted XXXX and their customer service agent confirmed my transaction that was legitimate at the gas pump for {$30.00}, and the agent noticed I used my pin number at that location. Then she went into greater detail regarding the unauthorized charges, {$100.00} charge went through at a location nowhere near my home, and a pin number was not used at the gas pump, she also confirmed that the {$87.00} charge went through yet another XXXX location here in XXXX and again no pin number was used at the pump and the location was even farther away from my home. At this time I canceled my card with Chime and requested a new one be sent to me. I have disputed these unauthorized charges with chime bank, however they denied my claim. It is my understanding that I am not legally responsible for unauthorized charges. For me {$200.00} is a lot of money and what they are doing is bad business and illegal. Thank you very much.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (NC)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

I am fully insured. Yet, a medical facility, XXXX XXXX in XXXX XXXX Fl. incorrectly filed my insurance claim 3 times. The XXXX said they did not get authorization, XXXX XXXX XXXX XXXX XXXX denial letter claimed XXXX was not covered due to an old injury. I thought preexisting conditions were not an issue these days. This leaves me with the debt of {$16000.00}. Transworld Systems , Inc XXXX XXXX XXXX bought the debt and have tacked on {$530.00} in INTEREST for a XXXX week period. I should not even owe this debt. XXXX XXXX had incorrectly filed my medical insurance claim for my procedure 3 times. 
XXXX complaint is against Transworld Systems for charging an exorbitant interest rate. Another complaint is against XXXX XXXX XXXX XXXX for denying a valid claim. 
Last complaint against XXXX XXXX XXXX of XXXX XXXX for negligence in theri billing process and lack of good faith adjustment given this was mostly their fault.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CO)

Nelnet has been an absolute XXXX  of information. 

- I wasn't able to get a clear answer on a serious concern before having to finish my XXXX  XXXX  consolidation paperwork - you can not get a phone agent on the line AT ALL. Everytime I call them I'm on hold for more than XXXX minutes, up to an hour and a half. 

As of today, I was on hold for XXXX minutes on XX/XX/XXXX. I was told my XXXX XXXX consolidation ( in order to enter the XXXX XXXX  ) would be processed by XX/XX/XXXX. There is no information on the status of my application. I only have until XX/XX/XXXX to submit my standard XXXX form if the XXXX request hasn't been approved. The Student Aid.Gov site just has it stalled " In review ''. NELNET WON'T ANSWER THEIR PHONE. 


I don't know how many XXXX months of Nelnet never answering their phone it will take before the government investigates and cancels their contract. They are completely derelict in providing any shred of customer service at this point.