davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo XXXX Executive Complaints Management Office ) has continued to conduct a proper Investigation into the incorrect credit reporting on the part of Wells Fargo. 
-- -- -- -- - For the months of XX/XX/XXXX, XX/XX/XXXX, there was NO payment 30 days late. While the payment was late ( and Wells Fargo charged a Late Fee ) it was NOT 30 days late.

-- -- -- -- -- What both ( 2 ) Executive Office Case Specialists have done in reviewing my last TWO complaints is utilize the payment DUE date. This DUE date is NOT what determines the credit reporting. The BILLING cycle does this. I have spoken to Customer service and they confirmed this. I do not understand why I have to submit 3 complaints to have this corrected.

-- -- -- -- -- - Therefore, whichever specialist receives this THIRD complaint, please do any one of the following : 1 ) Feel Free to call me direct and I will be happy to explain and count the billing days with you -- -- -- -- -- -- -- -- -- 2 ) Confirm the BILLING Dates are used to determine the credit reporting late notices ( and please ask an experienced specialist or your direct supervisor first so we can get it correct this time ) -- -- -- -- -- -- -- -- -- -- -- 3 ) Cease sending in the mail a large envelope with statements from 1 year ago to present showing the days my payments were late. I am not disputing a LATE payment. I am disputing the XXXX XXXX 30 day late credit mark Wells Fargo posted to my credit report. Everything else is irrelevant and a waste of everyone 's time. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Payment received on XX/XX/XXXX : Which according to the billing cycle of XX/XX/XXXX - XX/XX/XXXX would make the payment : 28 Days late. NOT 30 Days. Here is the confirmation which can be confirmed with my statement : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX XXXX ONLINE ACH PAYMENT XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Again, as with most Credit Card companies, BILLING CYCLES... ..BILLING CYCLES dates are reported to the Credit reporting agencies. Not the Payment Due Date. Also, I have asked Customer Service to Note my account and confirm the BILLING CYCLES determine credit reporting dates so whomever is reviewing this can go into my account and see that the customer service dept. has CONFIRMED this is how it works.
Consumer complaint received 2021-06-07
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: JPMORGAN CHASE & CO. (CT)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-05-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NEW CITY FUNDING CORP. (NY)

you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Auto Trakk, LLC (TX)

Debt is XX/XX/2014 {$13000.00} auto loan AutoTrakk the debt truly is between XXXX XXXX and auto trakk. Neither company communicated to one another about the debt. Leaving the debt continued late payments to leave me credit reputation and payment history damaged.
Consumer complaint received 2021-07-16
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: Omega RMS, LLC (CO)

on XX/XX/2021, I sent a validation letter to Omegas for a collection they placed on my credit report. I have not received any information in response to my letter, nor did I receive any information before this company placed it on my credit, giving me an option to validate the debt. Ive attached the credit report showing the account as well as the certified letter that was sent to them.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MO)

I received an offer from Wells Fargo to forgo 3 payments on my existing mortgage due to hardships of the pandemic. The offer stated that there would be NO negative impact on my loan or credit. I took advantage of the offer and now have forgone 2 payments. At the time I accepted the offer, we were in the process of selling our existing home to relocate due to health reasons. My home has sold, pending closing, and I applied to Wells Fargo for a new mortgage loan. Several days into the process, the loan XXXX, XXXX in the XXXX XXXX office, learned that since my loan is classified by Wells Fargo as being in " forbearance '' no new loans can be processed until 3 consecutive, on time payments have been made. 

I contacted Wells Fargos Private Mortgage Customer Service Center today ( XX/XX/2020 XXXX. I spoke with CS representative XXXX. After researching my issue, I was informed that Wells Fargo has no program to avoid their 3 payment rule. 

Now that my home has sold, without a mortgage, we will be homeless until I can secure a new loan. I consider this to be a breach of the offer that this program would have no impact on my loan or credit.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (VA)

I went into forbearance a the start of the COVID outbreak in XX/XX/XXXX. I told Ameris Bank that I would be ending the forbearance period at the end of XX/XX/XXXX. I choose to tac on the missed payments to the end of the loan, deferring payments. I was approved by all internal to Ameris Bank checks and audits by the end of XX/XX/XXXX. My account however, is still being managed by the loss mitigation department because there is an internal IT glitch where " the system '' is not recognizing that my account is no longer in forbearance. 

It has been more than 7 months XXXX XX/XX/XXXX XXXX since all steps to remove the flag on my account has been completed and my account is till not available for automatic payments and the information that I receive online is still inaccurate. 

I have reached out to Ameris Bank to address this issue every month to get an update. There is no update. I have emailed multiple times directly to their loss mitigation team email account and through the online account " secure messages '' system. Both emails have gone over a month without a response. 

This is very clearly, by Ameris Bank 's admission, an issue with their system not updating a flag in their database. This is something that they have mentioned was refreshed to help others in a similar position on XX/XX/XXXX that did not work for my account. There have been intimations that there is the ability to manually update the account on the back-end, which as a manager for a software company, I can say with 100 % certainty could be done if they escalated this issue sufficiently, yet they have not done so. I can also say that a batch run to update multiple accounts similarly situated should be more than feasible.
Consumer complaint received 2021-06-22
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. (TN)

I apply for a car loan. I get 5 hard inquires which decreases my score. I never ever would have gave permission to run so many inquires. i take my credit and score serious. I disputed it, and my claim was denied. But I did not agree to this. No one told me. I feel this is not fair. 

It is on my Equifax and XXXX account. 

What can I do?
Consumer complaint received 2020-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I Purchased a baby kitten on XXXX for {$300.00} got her on Saturday and she was dead Tuesday morning after taking her to the emergency hospital in XXXX XXXX which cost me {$740.00} in vet services she had infections throughout her whole body and couldnt fight it any longer before you look for a pet dont look on XXXX they used to be honest that they arent any longer both animal control and the emergency vet hospital wore me against ever purchasing or Or getting another animal on XXXX
Consumer complaint received 2023-05-13
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. (PA)

On XX/XX/2023, I submitted a dispute with XXXX regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from XXXX regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge XXXX to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that XXXX provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

After the 5th largest hurricane to hit the U.S. happened, I attempted to pay my XXXX card on line, but we didn't have power and it was dark. Stupidly, I continued. 

In error, I made a {$200.00} payment to my Old Navy MasterCard, currently serviced by Barclay 's Bank. The funds were sent via ACH to Barclays, received XXXX XXXX, and posted XXXX XXXX. 

It is important to note that there is no balance on this card, and hadn't been for some time. 

I called Barclays Bank on XX/XX/XXXX and XXXX, but was told I had to wait until the payment posted. Fair enough.

I called today, the 6th, and confirmed my account now reflected a credit balance equal to my payment. 

I spoke to a representative and a supervisor to ask for my money back. I have now been told I can not even begin the refund process until XX/XX/XXXX, which will then take days to process, and then up to ten days mailing time. This is their priced to allow the payment " to clear. '' I explained it was an electronic payment, there is no clearing, and that they have the funds. I further explained my bank advised me that they can not recall the payment and referred me to Barclays Bank for a refund of this payment. 

I further advised that due to the hurricane, we really couldn't wait for our funds because cash had been used due to many merchants ' systems being unavailable after Ian. Having my money back might be the difference between out family eating next week or not - but even this did not move them.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

SYNCB/ American Eagle is reporting some lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20. During this time i was out of a job due to COVID and was un able to make these payments. I had this account for a long time and this account was unfortunately closed, i am assuming due to the delinquency but again that was completely out of my control as i was severally financially impacted due to the pandemic. I am requesting SYNCB remove these lates from my credit file. It was not my intention to be late but had no control over the situation. I tried to find other ways to make income through this difficult time and it was impossible to find anyone hiring during that time.
Consumer complaint received 2022-07-23
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. (CA)

This is my 26th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$80.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/2019 Balance {$0.00} ;
Consumer complaint received 2021-09-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX A Account number XXXX with a balance of {$1400.00} and another alleged account {$200.00} is inaccurate. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

I checked my credit report today and I noticed that it says my student loan balance is {$220000.00} and that is incorrect. My balance according XXXX is actually {$190000.00}. I am being overcharged on my credit report which is affecting me negatively.
Consumer complaint received 2021-12-07
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: JPMORGAN CHASE & CO. (NJ)

hi, on XX/XX/2021 i purchased a XXXX XXXX ( as pictured on the website. with these specifications ) for full price of {$490.00}. with my CHASE FREEDOM CARD. XXXX XX/XX/XXXX i got the stroller and realized right away it was a fraudulent XXXX copy. ( worth 200 $ ) it didn't say anywhere XXXX. i right away replied to the confirmation email i received that i want to return it. but no response. i tried calling but no answer. basically this website is a fraud. and unfortunately i only realized after. so many ppl put bad reviews. i called chase the same day to dispute the charge. i was told not to return it till we hear back from the company. at this point the website is closed and company isn't reachable. chase kept closing the dispute saying that their merchant verified the charge ( duh, obviously ) cuz i purchased it. but they are not helping me out with this claim. i have no where to return it, i don't need it. i purchased a real version on XXXX. these XXXX copies are junk and break on you. ( hearing from ppls experiences ) i asked chase if they have the companies info, they don't. they keep closing the dispute, i am very frustrated and hope you can help me. also on the box is a invoice from XXXX XXXX in XXXX XXXX for {$200.00}. so basically they stole my money and sent a XXXX item i cudve purchased myself on XXXX XXXX. there is no info on the " XXXX company called XXXX ''
Consumer complaint received 2021-11-06
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: JPMORGAN CHASE & CO. (WA)

Victim of Fraud and identify theft from a company called XXXX which i have never done any business with before. Never even heard of them. 

Received email from XXXX on XX/XX/XXXX at XXXX that I purchased football game tickets for tomorrow. Order was for {$250.00} Then almost immediately at XXXX I receive an email from XXXX that your tickets are ready Then at XXXX I received another email from XXXX to say I purchased football game tickets for tomorrow. Order was for {$290.00}. Order XXXX At XXXX I receive a email from Chase indicating suspicious activity on account. I need to confirm if I made these purchases for {$410.00} on XX/XX/XXXX. I replied NO! To this email. 
Then at XXXX I receive an email from XXXX that my email address was changed Ultimately i was charged the {$250.00} as the other order was cancelled. 
Both these orders I did not make myself. 
I spoke to Chase bank ( my credit card company ) and they said not to worry and I wont be held liable as I have protection. 
1 Month later they sent me a letter to say that I am responsible for transaction and that I benefited from this transaction. 

I've tried to contact XXXX but no one ever answers the phone, emails or their XXXX emails. 
Made police report for identify theft and fraud ( XXXX PD ) Logged complaints at FTC and WA State Attorneys office against XXXX Filed Complaint against XXXX at XXXX
Consumer complaint received 2021-11-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (FL)

Dear sir/madam I am trying to file a complaint regarding a leased car. I had an incident on XX/XX/2021, I got a flat tire, i hit a curb and 5 of my airbags deployed.I tried to file a claim with my insurance company assuming i was covered, and I was informed that I do not have collision coverage on my vehicle, therefore they can not do anything about that. I obtained the insurance requirements from Volkswagen Credit and the requirements are completely different from what the insurance company issued. Even though my insurance did not meet the requirements of Volkswagen Credit, VW Credit still accepted it and the car dealer issued the car. In a normal situation, the procedure would be to force place insurance on the vehicle since mine was not sufficient, and I should have been informed by letter and a phone call regarding the force placed insurance. None of that happened, and i called the financial institution and they confirmed that no insurance was force-placed nor was i notified via letter or a phonecall. Wherever I call now, they tell me that they can not do anything about this. I have copies of the lease contract, the insurance requirements and my insurances declaration page. I contacted several government agencies, and because it's a delicate situation, they didn't know what to do. 
I dont know what my next step should be, I tried all available routes to no avail. 

Hoping to hear from you soon thank you regards XXXX XXXX