davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

I attempted to get a credit card in my name with my husband as an authorized user. I was attempting to secure credit in my name as should my husband die before I do, I will have my current credit cards as an authorized user cancelled with his and I will have no credit cards. I contacted EQUIFAX, XXXX and XXXX in XX/XX/XXXX and confirmed the status of my credit situation. I removed a credit freeze ( on all reporting agencies ) on XX/XX/XXXX and a fraud alert placed 7 years ago with EQUIFAX ( Ticket # 's : XXXX and expedited, XXXX ) had an invalid phone number, which denied my ability to get a credit card from XXXX XXXX. Both XXXX and XXXX were able to confirm the correct information, however EQUIFAX needed proof of name, addresses, social security, date of birth, all sent certified mail with a cover letter XX/XX/XXXX. We received the results of EQUIFAX 's ( RE ) investigation on XX/XX/XXXX. XXXX, Confirmation # : XXXX, which showed a correct current address, but a mysterious phone number, date of birth and current residence timeline. EQUIFAX is also asking for a copy of my driver 's license or birth certificate to update my date of birth now. XXXX FICO score has dropped from XXXX to XXXX, and I still can apply for credit.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AR)

I graduated college XX/XX/XXXX. I began working in XXXX XXXX in XX/XX/XXXX. My XXXX XXXX jobs that qualified towards PSLF were low paying and I had payment amounts that were XXXX monthly. It was not until years later that I was informed I needed to consolidate my loans to qualify them towards PSLF.

Mohela continually ( every time I called ) - told me to call back, wait 3 months, there was a glitch in the system and my payment counts towards PSLF would show up Eventually it was determined it was not counted towards PSLF until XXXX of XXXX. My loans were not in repayment for 12 months from the time of my graduation XX/XX/XXXX until XX/XX/XXXX ( note : once I graduated from college there is NO way I had that long of a grace per and it would not count towards forgiveness for over 12 MONTHS after graduation XX/XX/XXXX until XX/XX/XXXX. ) I did not have any XXXX loans and was full time.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (FL)

On or about the XXXX or XXXX of XX/XX/2024, I attempted to purchase a product from XXXX XXXX. I have a credit card with them for such things and that card is issued by Synchrony Bank. That request was denied and I found it hard to understand why because I have an excellent credit rating and I've done business with them previously.

One or two days later, I received an e-mail from what looked like Synchrony Bank about this transaction and requesting information from me before I could see the details. They asked for my SSN and and my zip code and a reference number that they provided on the e-mail. I entered the info they asked for and clicked on 'see details ' at which point I was told that the information I had entered was not consistent with their records. I wasn't given any more information than that. I thought there was something strange about the whole thing so I contacted XXXX and Synchrony Bank the next day to see if either of them had sent such an e-mail and I was told by both that they hadn't. I decided at that point to pursue security measures to protect myself.
Consumer complaint received 2022-08-25
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. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK (MI)

On XX/XX/XXXX, I received my credit card statement with my billing cycle that ended on XX/XX/XXXX. The statement included purchases made from XX/XX/XXXX through XX/XX/XXXX. On my statement, I show I was charged a minimum charge of {$2.00}. Assuming this is interest but Im thoroughly confused and not following why I would have an interest charge. 

Ive been a customer since XXXX and had checking accounts even prior to that. I recently had a 0 % interest promo on charges made up until XX/XX/XXXX. That promo was 0 % on those purchases until XX/XX/XXXX. Unfortunately, I made two small charges on XX/XX/XXXX and XX/XX/XXXX that posted on or before XX/XX/XXXX, which was the last day of my billing cycle. 

On XX/XX/XXXX, I made a payment of more than the minimum charge for {$110.00} that satisfied the payment due for the XX/XX/XXXX through XX/XX/XXXX statement period. 

I placed a call today and spoke with XXXX, I believe is how you spell her name. After talking through it together, it makes no sense why the {$2.00} was charged. She spoke with her manager and the manager states the {$2.00} is valid for the two charges made on XX/XX/XXXX and XX/XX/XXXX. I disagree on this for those charges are technically due to be paid up until XX/XX/XXXX per the statement I received today but now Im at odds and scratching my head as to why interest is charged up front when Im not even given a chance to pay my bill.

I ended the call still frustrated and felt not getting anywhere. To date as of XX/XX/XXXX, I have yet to receive a phone call back or an a acknowledgement of my email I sent the evening of XX/XX/XXXX. If I truly owe the {$2.00}, I will rightfully pay the charge but I really need this explained to me for it doesnt make sense. I agree that I should be charged interest if I dont pay off those two charges from XX/XX/XXXX and XX/XX/XXXX by the due date of XX/XX/XXXX since those charges are past the XX/XX/XXXX deadline for the 0 % promo. 

Logically speaking, if I made a purchase today XX/XX/XXXX for {$10.00}, it wont be on my statement until I receive the statement in XXXX for charges from XX/XX/XXXX through XX/XX/XXXX. Does this mean, I should expect another {$2.00} charge based on my {$10.00} charge if I dont another balance besides my balance for the 0 %? 

I request that a manager give me a call and walk me through this for I did not feel my issue was resolved this evening and feel it wont be resolved even after a request was opened to waive the {$2.00} as a one time courtesy. Not sure how this is a courtesy refund but a mistake from the system. 

I made a payment as of XX/XX/XXXX for the XXXX small charges so now I worry the payment wont even be applied correctly. Ive lost all trust in Commerce Bank.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WV)

XX/XX/XXXX i deposit XXXX totaling my account to be XXXX dollars. on XX/XX/XXXX My purse was stolen from me, i file a police complaint, went to the bank to try to close my account but since i didnt have any ID due to my bag being stolen i didn't have any. I told chase bank that my account could be in danger but they denied helping me multiple times inside the branch. I later was giving a number to reach someone to help me with my account by phone which was XX/XX/XXXX, on that day i was told that my money from my account was removed, i than asked for a freeze to be put on my account and was told by chase bank that they will help found out what happen and who's responsible. I later received an affidavit, that was completed and sent back. i also sent my police report as requested multiple times an each time chase back office claimed they never received it which was sent by chase branch 3 times and i also sent it thru staples. i was told that my claim would be denied with or without the police report, and than was told that it was denied due to not having a police report from a manager named XXXX that gave me a call back which i requested.My account was robbed because chase bank denied to help me and the police in any way. i still have yet to receive a denied letter stating why i was denied my money back that they gave to a thief which i was told by chase bank claims department that one was made the beginning of XX/XX/XXXX. the bank did not ask for no ID from this person im not sure if it was male or female that chase bank gave my money too. i was told that the pin was verified and that was enough to ID release my money from my account. everything was in my purse including phone so i had no access to my account once i was roobed of my purse. chase bank needs to correct this mistake.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-06-23
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I initiated a bank to bank transfer into my Huntington Bank Checking account from my XXXX XXXX XXXX account for {$15000.00}. On XX/XX/2017, Huntington Bank rejected the transfer because my Credit Union account has my middle initial on it and my Huntington account does not. I was told by Huntington Bank that this happens all the time. The funds were pulled from my Credit Union to Huntington Bank in less than 24 hours. Huntington Bank tells me they rejected the transfer but will not return the funds for 3 business days while the transfer is being investigated. Huntington Bank is holding my transferred funds while not making the funds available to me. I spoke with CSR XXXX and supervisor XXXX on XX/XX/2017 and both explained that there is nothing they can do to assist me with this issue.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CT)

Equifax has failed to investigate multiple queries coming from XXXX back. 
those queries comes from the follow dates:XXXX/XXXX/2015XXXX/XXXX/2015those queries has been already investigated and all I get its a generated statement rather than a explanation of the nature of the queries.
Consumer complaint received 2024-02-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

Being a 22+ Amazon Prime member I opted to take out the Amazon Store card with Synchrony Bank in XX/XX/XXXX. Every month I pay the entire statement balance ranging from {$800.00} - {$1200.00}. Each month I pay via Synchrony online system and this payment clears my bank within 24-36 hrs. NEVER a problem with XXXX, XXXX, XXXX or XXXX payments EACH month however my payment fails to reflect on available credit. EACH month I contact Synchrony forced to waste time with their online AI Assistant i believe designed to discourage communication. Then once connected to human being again wheels spin as the customer svc rep merely recites FAQ answers. I have to repeatedly request a supervisor and forced to go through my entire comment requesting reasoning for payment not being applied to my account as reflected in available credit. Again today XXXX XXXX the Synchrony Account Mgr for Amazon Store Card recites the FAQ response " The systematic hold can be done for various reasons, such as large number of payments made within specific time period, payments on new accounts, previous returned checks. Please be advised, that high payments are generally held to ensure they clear. '' I then point out to them the exact date the payment cleared my bank, on this call I cited XXXX was made XX/XX/XXXX and because of XXXXXXXX XXXX XXXX was cleared on XX/XX/XXXX. I also point out Synchrony Bank system emailed me XX/XX/XXXX indicating payment has been processed. My online payment was made 7 days before due date XX/XX/XXXX, cleared on XX/XX/XXXX and instantly transferred to Synchrony. I repeatedly request WHY my payments are not fully applied to my account and that their policy of holding that payment because " large number of payments made '' is nothing more than a penalty for paying the entire balance. Based on my XXXX yr career in XXXX XXXX Synchrony 's policy violates Consumer Protection laws and allows Synchrony to use my XXXX  as float on their balance sheets. Additionally, I have experienced my payment method for this card on Amazon transactions defaults to 6 deferred pmt option eliminating 5 % cash back. I'm forced to change that with each transaction. I've complained to Amazon and Synchrony on this predatory practice and have after 4 months seen my 5 % back option as default. For consumers not paying the entire balance the 6-default payments reduces their available credit and shows on their credit bureau utilization . I request formal action taken against this predatory practice and the holding of payments.
Consumer complaint received 2021-03-24
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: I.C. System, Inc. (CA)

I recently check my credit report and found negative or pass due on the report that is not my so I had to dispute each one and while it was time consuming slowly it was getting cleaned up but the was a credit card negative report that is not my but the collection agency input the same negative item twice on my credit report and I file a dispute with them three time but each time without giving me a reason or a reply it stays on my credit report. How is that legal for them to report two negative report using the same item? Is damaged my credit badly. The Company I.C. SYSTEM, INC ac # XXXX
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AL)

I started receiving Coinbase verification codes via text message at XXXX XXXX  on XX/XX/year>. I never responded. I then received a phone call from XXXX at XXXX XXXX. It asked for me to enter the verification code that was texted to me. I did not enter a code and immediately hung up. The number called multiple times and I did not answer after the initial call. I ended up changing my Coinbase password and I still had access to the account at that time. I thought the situation was resolved at that point. Later that night, I started receiving other verification codes via text message for XXXX XXXXXXXX XXXX XXXX XXXX XXXX  etc. This concerned me so I decided to go on Coinbase and noticed the funds were gone. The selling of my XXXX holdings and the withdrawing of funds in the amount of {$2900.00} were never authorized by me. The reference code for the withdrawal with Coinbase is XXXX. The funds were sent to XXXX XXXX  and XXXX to an account ending in XXXX. The hacker did not delete the activity, so I was able to take a photo of it. The withdrawal took place at XXXX XXXX  on XX/XX/year>. 

I was shocked that Coinbase allowed my money to be stolen and I was never notified. They refuse to tell me the entire bank account number that my funds were transferred to. They also refuse to reimburse me for the amount they allowed to be transferred, even though their policy states that they will reimburse if the lost funds were due to fault in their security, which it was.
Consumer complaint received 2024-02-25
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: BARCLAYS BANK DELAWARE (IL)

On XXXX, I received a credit alert about a hard inquiry from Barclay 's Bank. I immediately froze my credit through XXXX as they were the ones reporting the inquiry. 
On XXXX I called Barclay 's Bank and they said they do not see an application on their end and I should call XXXX. I immediately called XXXX and they saw an application submitted on XXXX. I have not applied for any credit. They gave me an old address that was used on the application and a phone number that I do not recognize. They told me to fill out the FTC.Gov forms to fix this and remove the fraudulent inquiry.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (CA)

I filed multiple disputes with Citi bank and Best Buy starting in XX/XX/2023 about a newly bought and delivered refrigerator that was broken being returned.On XX/XX/2023 I received an email stating the items were returned and refund was issued. The following month a credit was issued and the credit card balanced went to {$0.00} ( XXXX ). The next month the credit was removed and the balance went back to full amount {$900.00} amount ( XXXX ). I called Citi bank and filed another dispute. I also called Best Buy and was assured it was a mistake and the credit would reflect on next billing XXXX made the disputes go passed 30 days without resolution and I wasnt notified in writing in any case. In XX/XX/2023 I was notified by credit karma that my credit score changed XXXX for delinquent payments in XXXX. Citi Bank reported me as delinquent during open credit card disputes. I called Citi bank and was notified the dispute was closed because of lack of documentation on my end when no documentation was requested. I asked for the information necessary to reopen dispute and was told to fax information to XXXX. I gathered the necessary information and receipts of the product being returned and faxed over. I received another credit karma notification that my credit went down XXXX points for delinquent payment and decreased credit limit in XXXX. Citi bank restricted my account and threatened my credit rating during multiple disputes without any resolve. I contacted citi bank to find out about the last reopened dispute and was told I need to contact the merchant and no recourse available to recover funds.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (MO)

This is a follow up to a previous complaint, parties involved XXXX XXXX XXXX LVNV Funding LLC, and Resurgent Capital Services, LP. 

This account is in error and completely wrong, but here we go again. Attached please see the Satisfaction of Judgment. My ex-wife was served at XXXX XXXX XXXX XXXX XXXX, a home I have not lived in since XXXX, please see the attached Divorce filing from XXXX. 

LVNV hired a law firm from XXXX. The case was litigated in XXXX XXXX XXXX XXXX. I lost by default as I was unaware of the service, because I did not live at that location. The courts ordered my wages garnished and then provided a Satisfaction of Judgement to the law firm, please see the attached summary from XXXX. 

XXXXXXXX XXXX XXXX is not registered with the Secretary of State for the State of Nevada and not being registered as a XXXX XXXX XXXX, or otherwise it is illegal for them to transact any business in any state. 

It is not my debt, I have paid and they are continuing to harass me and cause me undo stress. I want this matter resolved and disposed of immediately.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

My loans were transferred from Great Lakes to Nelnet during the pause on federal loan repayment. Nelnet has now had my loans for almost XXXX year. On the Nelnet website, underneath the " payment schedule '' section of the website that should show me the current rate at which my loans will be repaid, as Great Lakes always showed, I get the following error message : " Due to your loan status ( for example, your loan recently transferred to Nelnet, or you haven't entered repayment ), your payment schedule has not yet been generated. '' Nelnet has had a year to generate this information but has failed to do so. My first communications with Nelnet are around XX/XX/XXXX, so they aquired my loans prior to that date. I've repeatedly raised this lack of payment schedule information with Nelnet and no one can give me any information. In addition, they continue to make mistakes with processing my loans. My XXXX, XXXX loan payment was only applied to a single loan, rather than across my loans, and I only realized because I got an alert on XXXX that my loan balance had increased. Additionaly, continues to " accidentally '' advance my payment date although I have repeatedly asked them not to and have had to call and correct this. When I called Nelnet, the customer service person told me that " accounting had made an error. '' Obviously by misapplying my loan payments, there is a financial benefit to Nelnet ( my other loans will capitalize ). Then, I got a notification that Nelnet is transferring my loans to something called " XXXX XXXX. '' When you XXXX this company, it doesn't even have a real website. It says " website coming in XXXX. '' The customer service agent at Nelnet told me that this is a commercial loan servicer and she didn't understand why my loans would be transferred there. It seems like Nelnet is entirely underwater with these loans they received and are entirely unable to handle processing them, and are now transferring them elsewhere without ever providing any of services they needed to provide us. Great Lakes was significantly more capable than Nelnet has been so far. I am seriously concerned about the risk of fraud given the transfer to XXXX XXXX and the " accounting errors '' and lack of information available on Nelnet 's website.