davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
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. (NY)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Hi, my name is XXXX XXXX. This complaint is regarding Chase Bank. I was scammed by XXXX XXXX XXXX ( E-commerce dropshipping company ) by sending XXXX XXXX wire transfer of XXXX on XX/XX/2021. However, Chase bank did little to stop it : Before wiring money to XXXX XXXX XXXX, I did my due diligence to verify XXXX XXXX XXXX. At that time they were banking with Chase. I collected all the account info from XXXX XXXX and verified their business account with Chase. Representative from Chase said that its a valid business company, hence leading me to wire XXXX investment to XXXX XXXX XXXX XXXX did I know that XXXX XXXX is a scam. I have been trying to contact XXXX XXXX XXXX via text, emails and phone calls to no avail. I called Chase to recall the money from XXXX XXXX but they were not helpful. Their response was there was nothing they could do XXXX XXXX XXXX withdrew funds and closed their account with Chase after the wire transfer was made. How could Chase be so negligent and careless to transfer XXXX XXXX funds out and close their account after a big wire transfer was made. It should raise a red flag to Chase that something is wrong. I'm sure I'm not the only scam victim in Chase that had money wired to XXXX XXXX XXXX. And yet Chase proceeded with XXXX XXXX account closure and now Chase claims they can not recall funds. It's just pure negligence. I filed a separate complaint about XXXX XXXX XXXX on this site. 
I was also informed by different agencies that banks have fraud insurance to pay out clients who were victims of scam after investigation. In my case, Chase does not even want to help me out by tracking down where the funds of XXXX XXXX was transferred to. They don't even want to open up a claim with their fraud insurance to do an investigation. That is just pure negligence and carelessness on behalf of Chase. Please help me. I would greatly appreciate it. Thank You!!
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

My Name is XXXX XXXX my email is XXXX. My Cell number is XXXX. I have been a chase mortgage customer since XXXX of 2009 Chase keep denying my refinance loan first they claim their processing fee was too high. Now they claim my student loans even though I gave them a mortgage letter that shows them how much I pay monthly that I am in an income driven program and all student loan will be forgiven after 10 years of payments. I have been their customer for 11 years and I have the same student loans for 8 of those 11 years. My credit score is in the high 700s no other major debt. The loan is only {$50.00}, XXXX. If they decline my refinance which would actually make the payments lower and easier I would still remain their client because I am already a chase mortgage customer. This makes no sense at all to me and no one as a straight forward answer. I believe this is common practice of chase to prey on minorities. I have already pull a case that they have done this in another state. Something needs to be done. I have 11 years of on time payments with this bank. Why would you deny a defiance to a customer already a client for me simply for one reason to leave the customer with a higher interest paying loan because after the denial I am still your customer what is the risk for the bank?????
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

Fraudulent Letter from Equifax Identity theft Ex-spouse, XXXX XXXX sent the letter. 

He and XXXX XXXX have access to credit reports, making changes, disputing addresses to mask identity theft and money mule schemes. 

They have control of my social security number subjecting me to denial of service. 

I have had no access to any business external, can not write or call Equifax, hijacked cell phone and mail theft. 

They have held me hostage to criminals and schemes by impersonating businesses, credit agencies and taking funds I have paid for bills. 

My information is on the dark web which they operate. 

In the process of having it resolved. thank you. 

Could not get freeze on accounts, impersonating representatives for Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AZ)

I was notified by the credit card company that the XXXX credit card will be closed if do not charge {$1000.00}. I didnt and was issue a Rewards credit card. When I changed on the new card for the first time and sent the payment to the same po box that I have used since 2014, it didnt get processed and to this day it is unknown what happened to it. I was never notified of a payment address change nor if the address change had anything to do with going from XXXX to a Rewards card. 

I called the credit card company regarding the issue informing them of the payment and asking for address verification several times but there was silence. I was given a fax number to fax proof of payment to, which I did. I never heard back from them. During the first call I told them without address verification I will be blindly re-sending the payment and my next payment as well. Again nothing said. 
I canceled the first payment then resent it and the next payment to the same address hoping that the first payment had only got lost in the mail. The resent payment disappeared and the next payment was sent back to my bank. Wells Fargo was sent proof of payments but refused to accept them stating they want my bank account statements. No, no one looks at my bank account statement but me and the shredder. I feel wanting access to my bank statements is a major invasion of privacy. It would tell them who I work for, how much I get paid, where I shop, where I like to eat, who I pay my bills too and much more. That is way more than they need to know for proof of payment. 

I made two calls to them with the first one wanting the address verification, I got it on the second call. I went to Wells Fargo and made the payments to make sure there would no more issues. They gave me the number to call and make a formal complaint which I did. Next I responded to the investigation results from the formal complaint call.
Consumer complaint received 2020-04-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

Trying to get Marcus to get a simple Wire Transfer has taken 2 days and it still hasnt been done. Their agents habitually lie, put you on hold forever and make up excuses that dont even make sense. 

I asked for XXXX wire transfers and it is the end of the day on XXXX they still have not been done. Not only that they can't even tell me what is the status of those wire transfers. On top of that, they can't even find the record of the XXXX wire transfer request This is my XXXX call of the day to these lying degenerates and they have put me on an hour long hold and still can't provide me the status of those transfers. And it is the same story every time you try to withdraw your money from Marcus. They will lie and do everything possible to make it really hard for you to withdraw your money. I have asked them do whatever verification they need to do but they will lie saying that they dont need any more verification and then when you ask to withdraw any money, they will come up with all sort of made up reasons and delay your transfers for days. 

Their verification department is so incompetent that they can't even figure out the right bank to call for verification. Just today they called up some random bank and got me on a XXXX way conference call to verify my details when I had nothing to do with that bank. 

Going by past experience, the worst part is that the person who will respond to this complaint will be a similarly trained in lying to CFPB and will make up some non sense response that won't even address the issues at hand. What else can you expect from the XXXX  bank on earth. 

Their first line of agents are so incompetent, I have just spent an hour and a half with an agent who has no clue how a wire transfer is even done.
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Im requesting to receive a termination letter/ release letter of all levys removed immediately.

Especially the lien from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This Abstract issued date XXXX XXXX. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing Gurstel Law Firm. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on Gurstel Law Group, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form XXXX I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in LA. 
I live in XXXX XXXX XXXX. 
In Learning about this false XXXX from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA. 

I supposedly have this against me because I owe XXXX XXXX XXXX  & thats not true I have paper work from XXXX XXXX Bank saying I DONT owe them any money.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: EAST WEST BANK (NY)

on XX/XX/2022 east West Bank send me a text that someone is trying to use my debt card in north Carolina at XXXX for XXXX XXXX dollars then east west bank call me and I said its not me I am in my home town so the charge did not go through told bank to stop all charges I call bank immediately that night and they said someone had already spent {$6500.00} at XXXX store in Texas but it did not go through then they call me back next morning saying it was process with other charges of {$5000.00} + {$5000.00} they said not to worry these wire transfer didn't go through in the amount of {$10000.00} this was on XXXX 2022 but East West Bank allowed a separate wire transfer of {$8300.00} to go through they let go because its the only way to reimburse us I have called bank a hundred times and they keep saying I can't speak to their fraud Department only my branch I can speak with about my account charges that was fraudulent they have been stringing me along until now no answers as yet I hope I can get some help thanks.
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2022 I made a Chase Bank mortgage payment by telephone from my XXXX XXXX checking account, which is unusual, as my husband regularly pays it from his Chase checking. 

To my surprise, the institution had saved my banking credit union account number and routing number from a previous transaction. 

I asked that they delete the information and was told that they cant. I explained this is usually offered as a convenience by institutions in order to make regular payments easier, but that I did not Opt In, and requested to Opt Out, and have the bank account information deleted as we werent using this account regularly. 

I am being told by a customer service rep, a supervisor and now am holding for a Manager that they WILL NOT delete this information despite my request to do so because its already in there.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (IL)

I opened an account with Gemini around XX/XX/XXXX. I was able to successfully deposit {$1000.00} prior to submitting documentation to verify my identity. I submitted my identity early XXXX to access my {$1000.00} funds. Prior to verifying identity, a user can not trade or withdraw accounts, nor can a user close their account. Gemini states in their terms of service that identity authorization typically takes between five minutes to two hours. In a worst case scenario, Gemini states they may take up to five business days to verify identity. 

I submitted for identity verification over two weeks ago. I submitted more than ten service tickets, emailed the service desk more than ten times and attempted to call the company several times. I have not heard back from the company a single time. 

Gemini essentially locked my funds in their accounts preventing me the ability to trade, withdraw or cancel my account. They refuse to contact me to help resolve the issue. I am out of options.
Consumer complaint received 2020-04-23
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. (IL)

Trans Union reported my Credit Score to a potential lender as XXXX. 
I went on line at TU, purchased my score and it was XXXX. 

How can a credit agency tell me my score is one number and tell a potential lender it almost 50 points less. That is some form of consumer deception, is it not????
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

A XXXX XXXX recipient has gotten {$800.00} from my account. I called my bank to get the item but my bank has still not disputed the transaction. This is fraudulent activity and I deserve a refund.
Consumer complaint received 2021-08-12
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. (NC)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

I applied for a loan modification and sent in a complete file ( p and L, 3 months business bank statements, rma, ss awards letter, hardship letter ). I have been calling in daily. I have a sale date for XX/XX/12. Nothing was being worked on. On Friday XXXX I was advised by XXXX that docs are sitting there and an email would be sent so the file can finally get looked at. That same day, I inquired about my payoff that I had ordered. My daughter has stated she may have the funds to pay off my loan since she just refinanced her home and had cash on hand. On Friday I was told they would fax it to me since they mailed it out instead of sending me it via fax as I requested. Friday ends and still no payoff was sent to me. Monday XXXX comes around, still no payoff and no update on my mod. Tuesday XXXX, I call again and was told my file cant be reviewed due to the XXXX rule. I told them that I am in California and that does not apply to me. At this point Im dealing with someone completely rude. I also needed assistance with my payoff as it seems that Selene is refusing to send it to me. Everyone knows about the issues with the us postal service these days, I do not have the time to wait for the mail to deliver it. I specifically asked for it to be faxed. I finally get a supervisor on the line ( XXXX ) who was able to get me the payoff via email and he also confirms that I was given bad info pertaining to the 37 day rule. That since I am in California, the rep should not have advised me of that. The supervisor stated he would reach out for an update on my mod, as there was nothing noted on my account regarding it. I call back 4 hrs later to see if anything was noted to my account and was told that they are barely imputing my information!!!! What does that even mean? She ( XXXX ) also stated nothing is very clear on my account as to what is going on with my file. There are numerous reasons why Selenes behavior is intolerable and the issues that Id like to bring to your attention are the following : The inability of Selene Finance to properly review my file in a timely manner since I have a sale date is intolerable. 
They completely disregarded my file because of incorrect info that did not apply to my state. Due to that, my file has sat there. Selene finance has been completely careless with my file. The number of times that I called to check the status of my file should extinguish any opportunity to excuse Selenes behavior. To top it off, the number of times I called regarding my other potential option to save my home was also disregarded. The payoff was ready XXXX and I was promised I would get it that same day and it took an additional 5 days. 
No one is giving accurate information and no one is being held accountable for these numerous issues.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OH)

My husband and I opened an account at Wells Fargo in XXXX XXXX XXXX this past winter while we were staying there ( XX/XX/XXXX thru XX/XX/XXXX ). My husband passed away XX/XX/XXXX. I have tried calling the branch and their Estate Department for the past XXXX days and no one ever answers the phone. Unfortunately, we live in Ohio and I do not have the account number and, therefore, can not get through to a person. I want to close the account and have been holding on the phone for hours!