davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I am still disputing a charge that was placed on my credit report with two different collection agencies for the same charge. XXXX and XXXX property management/investment group place an eviction from XXXX on my credit report. They placed it with XXXX XXXX XXXX, who reported it twice to my credit report and they also placed it with XXXX XXXX XXXX, who also placed it on my credit report twice. I 've finally been able to get each company to remove the duplicates that they originally placed, which still leaves me with one mark from each company for the same exact thing. I have tried going through the credit bureaus to get this fixed but they keep placing it in dispute without ever getting anything fixed. I reached out to the original creditor, XXXX and XXXX and after many phone calls and emails, I have still not been able to contact them. It 's bad enough that due to this I was hit 4 times on my credit for the same thing. I though it was illegal for this type of thing to go on. At this point I am very frustrated and I just want for these collections to be removed. They fall off my credit in XXXX anyway. At least delete one of the entries. No need in double the debt showing up on my credit report.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

{$35.00} overdraft fee charged to my Wells Fargo account on XX/XX/2021 I have attached the relevant statement and circled the transaction in red on page two of the document. 

At the top of the statement it specifically says the account is not protected by overdraft protection, therefore any transactions made for which funds are not available should be declined. 

The transaction of {$600.00} ( which was not an automatic payment ) immediately preceding the overdraft fee of {$35.00} put the account into negative balance causing the overdraft fee to be charged. 

Wells Fargo should have declined the transaction rather than paying it out so they could charge a fee. Paying a transaction amount greater than the account balance is the very definition of overdraft protection, and I don't want it on my account.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (OH)

I had to file for bankruptcy due to a serious medical illness which left me XXXX, I do not have an attorney because I could not afford one ( 'XXXX XXXX ' ). Since XXXX XXXX I have been attempting to get a re-affirmation agreement from XXXX XXXX XXXX. The bankruptcy judge gave me an extension until XXXX before my discharge would be applied. 
Every time I call XXXX they give me the run around about why the re-affirmation agreement has not been issued. I have called every week since XXXX XXXX, XXXX. I was told it would be mailed out on XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and the XXXX, then the excuse was we can not get the screen shot to send out the re-affirmation agreement. Every week it is a different excuse, we are under staffed in the bankruptcy department. I have heard it all. Now time is of the essences, I have a date for the final discharge on XXXX of my bankruptcy and I still do n't have the re-affirmation agreement for my mortgage. 
Then, I called XXXX XXXX XXXX  attorney XXXX XXXX XXXX, and spoke with their attorney XXXX XXXX below is their contact information ) : XXXXXXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX explained to me that she had prepared the re-affirmation agreement on XXXX XXXX and she had not received it back from XXXX as of yet. She would contact them to find out what the problem is. This was on XXXX @ XXXX pm when I first spoke to XXXX. I spoke to attorney XXXX on XXXX at XXXX am and she stated she still had not received the re-affirmation agreement and she was going to call XXXX and find out what the problem is. She did call me back and was told the bankruptcy department is behind about 6 days, due to being under staffed. 
Moving forward to XXXX, I have still not received the re-affirmation agreement from XXXX. I have been doing my due diligence for over 90 days trying to get this unprofessional mortgage company to provide me with this re-affirmation agreement. They are attempting to force me to obtain an attorney to handle this matter, when they know financially I do n't have the resources to pay for one. 
This mortgage company should have to follow the bankruptcy rules and regulations, which they are not complying with. I need your help in dealing with XXXX.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I am having issues with the way that Chase is handling my accounts. I recently had arrangements to satisfy a charged off account to pay {$50.00} per week and a lump sum at the end of 5 consecutive payments to satisfy the account. However, I was laid off and was not able to fulfil my payment obligations. On XXXX XXXX, 2017 Chase redirected {$720.00} to offset the amount of the charged off account which were funds to be used to make my monthly rent payment. I immediately called Chase and spoke to a representative named XXXX who stated that she did not have the authority to redirect the funds to my account. I was then transferred to a Sr. Representative by the name of XXXX . I explained the severity of the situation and even made the necessary arrangements needed to get those funds back. This dilemma could cause my rent payment to be returned and my leasing company to file eviction. Chase did not seem to care and told me that due to their policy that I could only receive half of the funds back in that respect. I asked XXXX to process the return of the funds as she stated and that I will visit my local branch. 
I stopped by the Chase branch at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke with a banker to try and get further assistance. He did advise that there was nothing he could really do but would call the recovery department on my behalf. He spoke with a Representative name XXXX who was very helpful. He agreed to credit some fees to another account that I had to assist, however, he could not override the arrangement from the previous representative, XXXX. 
Needless to say, my rent payment is pending and could possibly be returned and now I am short {$220.00} for that payment and risking eviction. These policies are not in written in Chases verbiage to advise a customer that funds from your current account can be offset to an account that charged off 2 years prior without your knowledge. 
I am requesting my full refund of the fees that were deducted from my account. Immediately as this has caused a considerable hardship that Chase does not care about..
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

This complain is about Synchrony Bank, on their XXXX XXXX credit card. 
On XX/XX/2018, I planned to submit the application online. However, I was not able to submit the application successfully in first 5 trials due to their website issue. The last time the application went through but it was declined : 1. I never received an email of notification of denial as they stated in the application submission confirmation page 2. I received the denial notice in mail, saying the reason of denial was " high risk source of application. '' I tried to contact the company twice, spoke to at least 5 people within the bank, on hold for total over 1 hour, no one could provide me an answer of what does the high risk source of application mean. Instead, they continue to ask me to call credit bureau, where, however, I was not able to locate any credit bureau number on their notice at all. 
I suspect I was being unfairly denied due to their initial website submission issue ( which caused my credit report to be masked, for example ). However, no one in the company could provide any possible solution and conduct a due diligence review at all.
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I engaged with Coinbase XXXX XXXX and created an e-wallet.. I got engaged with the scamming company with somebody on XXXX, I clicked on the advertisement and after 20minutes later I got a phone call from someone with XXXX. They told me that I could make large amounts of profits if I deposit cryptocurrency on their platform, they manipulated the trades so that every client will lose money. Then I transferred my funds from my Post bank account to Coinbase at their instructions starting with small amounts, they kept calling me trying to convince me to deposit more, and after one week I transfer XXXX extra and another XXXX two weeks later totaling around XXXX ( XXXX at that time ) my money was transfer via wire transfer. They tried to get more money from them, but after I realized it was a scam I stopped all transfers. I hold Coinbase accountable for not having a contact/wallet database sufficient enough to identify risky merchants, and for not warning me about the potential danger I'm engaging with the fraudulent wallets.
Consumer complaint received 2017-10-17
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: WELLS FARGO & COMPANY (TX)

XXXX XXXX and XXXX XXXX are reporting on my credit files. These loan belong to a family member. If XXXX XXXX had contacted me regarding loan payments. I would have paid instead of letting them hit my credit. They never contacted me and the owner of the loans we never contacted either being that we have the same mailing address. According to the credit bureaus policy. These account fall under XXXX XXXX so I am requesting complete removal of the accounts period. I owe neither institutions a dime. If the owner fails to pay in the future I will pay to eliminate destruction of my credit. 

XXXX XXXX does not belong to me.
Consumer complaint received 2022-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I am a XXXX XXXX XXXXXXXX veteran that was having XXXX  problems and reached out to a community service XXXX  or so I was told when I made the appointment.The receptionist told me and my wife they help veterans all the time.I went to the appointment on XXXX and while the XXXX  worked on my the nurse came in and asked me to sign some papers and they could get me financing.My wife and I looked at each other and my wife said the receptionist told us this XXXX  office helped veterans and were a part of the community care network, I said you told me the entire expense would be {$15000.00} I can't pay that amount and the va takes care of all of my community service debt.She explained no and we will bill you for the balance.I said ok got out of the XXXX  chair and left.A week and some days later I got a bill from synchrony bank in florida telling me I owed them XXXX XXXX XXXX.I spoke to the bank and told them this XXXX  clinic is trying to fraud me.I was in the office for 4 hours, the XXXX  grinded and sanded my teeth and after I learned what was going on me and my wife left.I have received nothing else from their office.I mean nothing no teeth no more visits no nothing.Synchrony bank paid them the XXXX XXXX and now I am stuck with the bill.I will not pay for something I never received.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid 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: DISCOVER BANK (IN)

Discover Card Disputes, Please re-open my XXXX XXXX  dispute below. This dispute is for an item not received, but was paid for in advance. An item not received is unrelated to a package being delivered, because a package can be delivered without the pants. This dispute has no relationship to delivery, and it is disrespectful that you closed it based on postal delivery. I did not ask the merchant to merely ship a package with a postmark. I paid them to truly deliver the exact items specified in new condition, good quality and on time at a safe drop location in a strong, secure, and untampered box to my house, and not my neighbors house. 

Consumers pay in advance because they trust the merchant/vendor and the credit card. There is a consumer contract in place with 2 sides. As with any contract, both sides must follow through on promises. This is not the case with the XXXX XXXX purchase transaction. I made a payment for an item that I never received from the merchant. There are countless reasons and possibilities as for why, and a comprehensive investigation consider all possibilities. It is possible that a XXXX XXXX employee never put the pants in the bag and is completely responsible for the mistake or theft. 

Case Number : XXXX Merchant Name : SP * XXXX XXXX  Dispute Amount : {$89.00}
Consumer complaint received 2018-06-04
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)

I initially filed a complaint with Equifax about reporting two mortgages that are either duplicates or incorrectly recorded on their end, and three mortgage " hard inquiries '' that should have concatenated due to shopping around. 

These mortgages add up to {$210000.00} of debt that should not be in my name. 

I caught this after noticing only Equifax reported a 30pt drop in my credit score via XXXX XXXX. 

I filed the complaint in the beginning of XX/XX/XXXX, and received a " completed '' investigation email today XX/XX/2018. Upon attempting to login, the website threw an initial system unavailable try back later. 

I tried again five hours later, and my social security number and information no longer work. They are pulling up someone else credit history to question against! 

I can't access their online report at " XXXX '' -- they expect me to now scan my social security card or passport, and a bill from my home and mail it to them? 

This company has already reported to me that they are monitoring my name for fraud as it was compromised in their leak, and they are now committing fraud by preventing the removal of erroneous accounts, or me seeing my credit report. 

I don't understand how Equifax is the only one reporting this incorrectly.
Consumer complaint received 2017-10-17
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. (AR)

I am a XXXX mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: U.S. BANCORP (GA)

My Subsidized loan from US bank is serviced by XXXX XXXX XXXX and recently transferred to XXXX XXXX. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to XXXX XXXX XXXX XXXX without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with XXXX XXXX upon transfer I was unaware I was missing payments until I was 3 months late. XXXX XXXX has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted XXXX XXXX and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.
Consumer complaint received 2018-06-04
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. (NY)

After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I have reached out to this company and stated that I have not given this company permission to access my credit report. They informed me to contact the credit bureaus. I have not received any updates! 

XXXX
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MMMM Holdings, LLC (NE)

I have been out of work since XXXX XXXX and have been trying to receive a consistent amount of social security benefits. I had a membership at XXXX XXXX XXXX, XXXX and the contract period has been fulfilled. I was on a month-to-month membership which I attempted to pay when I had money. 

I found out that there may be a problem when I received a solicitation letter, dated XXXX XXXX, XXXX, from law firms who were offering to represent me in a lawsuit that was filed by XXXX XXXX XXXX, XXXX. Since this was news to me, I went to the facility at XXXX & XXXX XXXX, XXXX, NE to talk to the manager to find out what was going on. I spoke with a person who identified herself as the manager. I showed her a letter from a lawyer and asked if XXXX XXXX XXXX had filed a lawsuit against me. She looked up my records and informed me that the account had been turned over to a collection agency. She assured me that there was no lawsuit filed against me. She did not allow me to remedy the overdue account since the account had already been referred to a collection agency. I did not pursue the matter any further based on her assurance that there was not a pending lawsuit. 

In early XXXX XXXX, I received a summons that was dated XXXX XXXX, XXXX notifying me that XXXX XXXX XXXX, XXXX was suing me for {$210.00}. There was a yellow sticky note on the front of the summons with the name XXXX XXXX XXXX XXXX. The officer who delivered the summons informed me that the lawsuit was pending and I should contact XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to find out what was going on and was told that they had sent a letter to me on XXXX XXXX, XXXX. In that letter they told me that I had 30 days to dispute the claim or resolve it. I informed them that I do not have a record of receiving a letter from XXXX XXXX XXXX. I was told that, since the letter was not returned, they presumed that it was delivered. 

I did not know that XXXX XXXX XXXX had canceled my membership, did not know that they had referred the account to a collection agency, did not receive any correspondence from XXXX XXXX XXXX, and initially found out about a lawsuit from a lawyer solicitation letter.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

Because Equifax let XXXX XXXX ( including my own ) social security numbers out into the wild, there should be a 1 year reprieve on the cost to freeze/thaw credit. I had no choices in picking the credit bureaus so now I should not have to pay because XXXX of them made a giant blunder.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I got my information hacked in the Equifax Breach. 

Dosnt is sound insane to anyone that I have now pay money to freeze my credit ( with all three agencies because just doing it for XXXX is useless ) out of my own pocket to stop the damage this is causing? There are between $ XXXX {$10.00} for put a freeze at each agency, but I to repay that everytime I want ot unfreeze and refreeze. KEEP IN MIND I HAVE NOTHING TO DO WITH EQUIFAX. I DO NOT DIRECTLY USE THEIR SERVICES, THEY JUST XXXX UP EVERY PEICE OF INFOMRATION ABOUT EVERYONE AND NOW THEYVE LOST IT. 

I fail to see how this is anythnig related to me, yet now I am having to pay for their mistake. 

fix this please