davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
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. (GA)

I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to Equifax, XXXX and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXX auto financing 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 2017-11-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc. (CT)

I've had a hold put on my account for nearly a month now, and have not been able to buy, sell, or withdraw money from my account on Coinbase. Up until this most recent ID verification at coinbase.com/ssn, I have been able to easily verify my identity; and now that this latest verification is not working, my account is essentially frozen- no buys, sells, or withdrawals, even if I try to permanently delete my account. I've contacted customer support several times. I have about $350 worth of bitcoin that I would like to sell, and over $5k in my USD wallet that I need to withdraw.First (XX/XX/XXXX) and second (XX/XX/XXXX) times:They emailed me a pre-generated list of common reasons the SSN verification may not work. Most of these related to address technicalities, but one of them was this:"There may just not be enough information on record to sufficiently verify your identity at this time. This usually affects our younger customers more often. Unfortunately, there’s not much to be done in these cases but to continue trying the quiz, possibly with some variations of the information to be sure it’s not just an address issue."Since I've ensured that the information is exactly as it appears on the credit report, it appears that this is the reason why: that I am too young and do not have enough of a credit history to verify. Then why allow customers to deposit money into their account if for some it will just get frozen? Why wasn't the SSN verification required upfront?Third time (XX/XX/XXXX)After calling several times and trying to get past the (at least) 20 minute wait time, I was finally put on with a customer service rep who in fairness did try to be helpful. He linked me to two pages that he said usually resolve the issue. But in my case they did not. He said if I replied to his email in the case that the issue was not resolved, he would escalate it to a specialist. This was almost a week ago. I emailed and called again a few days later: no response to email, but over phone they said that once it's escalated to a specialist, there's nothing to do but wait. I suspect I will be waiting a long time.Tried calling back today (XX/XX/XXXX) to check on the situation, and a recording said they are receiving a high volume of calls and will not be able to help, and to try again later.It can't be legal to take customers money and freeze it after requiring a verification that is impossible for some customers. And then on top of that, they have an obviously inadequate customer service department and just hope that customers will be able to resolve questions with a stock FAQ reply. It's bad practice, and I know I'm not the only one suffering as a result of it.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX XXXX I noticed my account was overdrawn since it was the weekend the transfer did not go through till Monday so I was charged 74 dollars for being 60 dollars over then on Thursday XXXX XXXX I was charged a sustained overdraft fee of 30 dollars because my direct deposit didn't go through till the XXXX so over 100 dollars in fees. When I called they said they would refund me one fee I noticed they did not and was charged another fee so I called back and was told doesn't matter wat was said my account is not eligible for a fee reversal doesn't matter if the issue wasn't my fault or not this has happened with citizens bank on multiple occasions
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX to XX/XX/XXXX Debt collectors were contacting my family members whom I DID NOT list as contacts. They had called a minimum of 3 family members, including my mother informing they were looking for me to collect debt.
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

In XXXX Nelnet became the servicer of my loans, which were previously being serviced by Great Lakes. I received monthly statement emails from Nelnet during the last few months of XXXX. Receiving monthly statements is very important to me because ( a ) I need to keep track of my dues and ( b ) I make immediate payments without relying on autopsy. 

Nelnet stopped emailing me monthly statements in XX/XX/XXXX. This resulted in a missed payment in XXXX. I called Nelnet on XX/XX/XXXX, to find out why I am not receiving monthly statement emails from Nelnet. Nelnet stated it did not have my email address. I confirmed with Nelnet that ( a ) my email address has remained unchanged, ( b ) provided Nelnet with my pre-existing email address that it had on its files, ( c ) ensured that no email from Nelnet was being filtered by XXXX, and ( d ) I had enabled such that emails from Nelnet will be considered as trusted contacts such that it will be less likely to be marked as spam. 

During my lengthy call with Nelnet in XXXX, I was assured multiple times that I would begin to receive monthly statement emails from Nelnet. I still do not receive monthly statement emails from Nelnet. 

As I had mentioned before, I missed my XX/XX/XXXX payment because Nelnet did not send the XX/XX/XXXX statement email. I made both XX/XX/XXXX and XX/XX/XXXX payments during the phone call with Nelnet in XXXX. Note that after making these payments, I did not receive payment confirmation emails from Nelnet. 

Despite Nelnet 's assurances, I did not receive the February 2023 monthly statement from Nelnet. This resulted in a missed payment in XXXX. 

It appears that Nelnet is not taking matters seriously when it comes to alerting accounts of bills. Nelnet phone representatives are less than enthusiastic when it comes to taking complaints and resolving complaints. Please step in and make Nelnet send monthly statement emails such that I and other account holders at Nelnet do not end up paying late fees due to Nelnet 's incompetence and/or negligence.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PROSPERITY BANCSHARES, INC. (TX)

I have a checking account from XXXX, that I closed. A credit card payment came out supposedly after the account was closed for XXXX  XXXX I took my money out, closed the account and took my money to another bank, because I was moving and that bank did not have a location where I was moving to. 

So Prosperity bank did not call me about the XXXX $ instead they tacked on charges for funds, for that account and never stopped with the excessive charges. So here I am in XXXX finding out that they let this account charge all the way up to XXXX XXXX Instead of calling me to inform me that I could have just handled the XXXX XXXX 

Now its reporting to XXXX. I need this matter resolved. And I need to see about getting the XXXX $ worth of charges that you allowed to accumulate waived. That is way excessive. I would be happy to pay the initial charges, but not all of those fund charges that you allowed to continue. I need this fixed with prosperity bank and XXXX. And I would like this removed from my XXXX report completely not just showed as paid!!
Consumer complaint received 2020-09-07
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I was charged {$27.00} for a returned check fee on my closed credit card account. They explained that they had sent me blank checks and someone had tried to cash one. I explained that I had received no checks and I certainly didnt try to cash one.I called after receiving the statement and spoke with XXXX ID # XXXX. He said someone would call or email and they didnt. I called again XX/XX/XXXX. Spoke with XXXX. I sent a written response following the statement instructions. Called XXXX. They removed an Additional late charge of {$27.00}. Said the {$27.00} was being investigated. Now I received a statement saying I owe {$56.00}. This is for Barclays XXXX  XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2020-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NJ)

Due to the Covid pandemic, PNC and other banks were offering a 90 day forbearance, with the possibility to extend up to 180 days. On XX/XX/XXXX, due to the fact I was not working, and collecting unemployment, I applied for the 3 month forbearance. The girl I spoke to on the phone told me to fill out the online application, which I did. They were supposed to send you a confirmation in the mail which I never received. I called to see what was going on with my application on XX/XX/XXXX, and spoke to XXXX XXXX, and he said he was reapplying for me, and going to route it to the people that will take care of it, and to call back to make sure. When I called back, I spoke to XXXX who told me it was still processing, and she will put in for 2 more months for me. That would be 5 months up until XXXX, and I told her that would be good because I may be going back to work in XXXX. It was very clear on that phone conversation that's when it was for. I got late bills, and when I called the line of credit department, they submitted a complaint. The woman in the complaint department said it was only for 1 month in XXXX that I was offered, which is not true. It's even online for 90 days, and I'm sure 90 days was the law. When I asked to listen to my phone conversations, she said I couldn't. Now I am 2 months late, with another payment due this month, and I still am out of work. I do not understand why they keep telling me it was for 1 month, when I applied for 3 in the very beginning. I was told that on the very first day I applied.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (FL)

I opened a wells fargo cash rewards card off an add on XXXX 's website. the ad promised a {$200.00} cash back reward as soon as i charged {$1000.00}. which i did in XX/XX/2017. When i called them they routed my call to the wrong department then that lady ( XXXX  ) refused to give me any information on my account. and would not transfer me to anyone who could or would be able to help me. Wells Fargo engaged in false and or misleading statements to get me to open a credit card and is now refusing to provide the rewards for 4 or more months. what kind of crooks are they? I demand that they send me my {$200.00} cash reward immediately You should also note that wells fargo engages in so much fraud on has to wonder if they are paying the CFPB to remain open so they can continue to defraud Americans.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union is reporting false information about my account. 
For example, all the false statements as " Too many installments accounts with a delinquent or derogatory payment status. '' The above statement is completely false and not true.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I found a collections account on my credit report from Credence Resource Management. XXXX said the debt began XXXX of XXXX, and is from XXXX XXXX XXXX. I called XXXX and they do not have an account under my name. I called the collections, Credence Resource Management, and they also do not have an account under my name. However, they are reporting it to both XXXX and XXXX and it is negatively hurting my credit. I believe either the collections agency is trying to collect a debt I do not owe, or they have the wrong person. Either way, they refused to take the collections off.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2020-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I am a Wells Fargo Home Mortgage customer who is way behind in my mortgage. I am a XXXX XXXX who was on XXXX XXXX and got off with active still behind. Last year I reached out to Wells Fargo and asked for a modification that was granted. My last payment of my 3 trial payment was in XXXX when I lost 2 staff members as a result of COVID concerns. I could not get to my back to make a deposit for that final payment. I called my Preservation Specialist several times and left messages to inform the bank of my situation and no one returned my call. My modification documents were signed also in XXXX but in XXXX I was notified it was denied because I missed the final payment. I called an pleaded for another chance because I needed to keep my home. I received notification when I logged into my account that it was approved and a new preservation specialist would contact me but immediately after that I was notified the loan was placed in forbearance which I never asked for. I have called several times but was told I have to wait until my forbearance period expire as my request was denied and the loan will be moved to foreclosure. I have had to pass up on military missions because I can not leave my children at home with possible foreclosure hanging over our head. I can pay my mortgage as I am on track with my finances. I need some help as I can not lose my safety net for my children as I also have a XXXX child. I need so one to mediate on my behalf with my modification request to Wells Fargo Home Mortgage. I am employed with no change in my employment status now or in the future. I am still getting emails from Wells Fargo in regards to a decision on my mortgage but I am fearful the intent is to foreclose on my home
Consumer complaint received 2022-10-11
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc. (NJ)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX THRU GM FINANCIAL ON XX/XX/XXXX - THE VERY NEXT MONTH THE PANDEMIC STRUCK AND EVERYONE WAS LITERALLY LAUD OFF INCLUDING ME, SO I SPOKE WIRH GM AND THEY WERE OFFERING A LOAN FIRGIVENESS PROGRAM THAT THEY SAUD I WOULD JUST GACE TO SURRENDER THE VEHICLE, which I DID AND THEN THAT MY ACCOUNT WOULD BE MARKED AND REPORTED TO THE CREDIT BUREAUS AS PAID AS AGREED. That was NOT WHAT THEY DID THOUGH!!! THEY RE-SOLD THE CAR AND RECOVERED THE LOAN MONEY WIRH THE RE-SALE MINUS XXXX and SO THEY SLAMMED MY CREDIT FIR XXXX AND ARE REFUSING TO CHANDE IT THIS XXXX XXXX ABD UNFAIR!!
Consumer complaint received 2021-12-03
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (CA)

I XXXX  the natural person continue to be a victim of fraud upon the XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX all have unauthorized the use of my personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX are accounts that have been opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. | 15 .U.S . Code 1681 ( a ) ( e ). My Fourth Amendment right has been infringed on. I am not secure in my papers and I have not had any rights to privacy regarding these companies.
Consumer complaint received 2020-12-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (TN)

This incompetent company continues to report my balance incorrectly to the credit bureaus. I DO NOT owe the {$20000.00} that they are reporting. This is another example of a terrible company taking advantage of a consumer. This is also another example to validate all the horrible and terrible reviews that you see about this company online. Unacceptable.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

In XX/XX/2018 I transfered a balance from a XXXX card ending in XXXX to a Barclay card ending in XXXX. I messed up putting the correct card number of the XXXX card, when transferring from XXXX   to Barclay. I called Barclay, they told me to file a claim. I did. A week later the balance showed up on the Barclay card, and was zeroed out on the XXXX card. Problem solved, Right? NO! 3 months later, this week in the middle of XX/XX/XXXX, Barclay apparently decides the appropriate response to the claim I filed is to return the balance transfer to XXXX, and now that balance is in limbo, because XXXX returned it to Barclay, BUT Barclay is refusing to do another balance transfer.I want this issue FIXED IMMEDIATELY! AND the $XXXX balance transfer fee paid back to me in full by check in mail SINCE YOU ARE REFUSING TO DO A BALANCE TRANSFER!!!
Consumer complaint received 2021-03-27
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. (PA)

XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM XXXX XXXX XXXX XXXX ) ) Non Domestic, Real XXXX XXXX XXXX To whom it may concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Equifax today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX date - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXXY XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I opened a secured capital one card in 2018. I put in {$500.00} to secure a {$500.00} limit on their card. We were told that as long as the account was kept in good standing, we could request to have it turned into a unsecured capital one card if it wasnt automatically done in 6-12 months. Its been 3 years. Not only has it never been changed to an unsecured card, but theyve never increased the limit. Since we opened this card, we got another capital one unsecured card as well as other unsecured cards. So after 3 years, I called & talked to 4 people. 2 reg customer service & 2 senior supervisors who not only couldnt help, but had no more info that general account balance, payment info, etc. that you can get on the app. They also said there was no higher supervisor. In the end I wasnt given any info on how to upgrade my account to an unsecured, why it hasnt become an unsecured or anything really on that. In fact, they wanted me to fax my card terms & info sent from 2018.