davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2021-08-13
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX XXXX-Balance {$0.00}
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2020, my mom XXXX XXXX XXXX made an international wire transfer from XXXX to USA for the amount of {$10000.00} usd. On XX/XX/XXXX, I called my bank XXXX XXXX XXXX XXXX and I was told that they didnt receive anything yet. That sometimes it takes a little longer. So I waited. 

On XX/XX/XXXX, We were able to speak to an agent from XXXX ( my moms bank ) and she advised us that they were able to communicate with the third party bank which is Wells Fargo and that Wells Fargo claimed that the money has been credited to the beneficiary, obviously not me! 
I dont have an account with Wells Fargo, I tried to communicate with them on XX/XX/XXXX via XXXX and the replied was that You will need to contact the bank where the transfer was sent to initiate a trace on the transfer. Thank you. -XXXX and every time I tried the same response is given or that they cant help me because Im not an account holder with them. 

On XX/XX/XXXX, my mother filed a complaint to the XXXX in XXXX and the response from XXXX lawyers was that Wells Fargo was responsible for that money because they deposited it into someone with the same account number as me within Wells Fargo. And that they needed to retrieve the money. 
I requested XXXX XXXX XXXX to trace the wired transfer and I have it in writing that Wells Fargo deposited the money to one of its clients that have the same account number as me. 
I have made several efforts to retrieve it with Wells Fargo and they kept sending me to XXXX. This last Thursday, XX/XX/XXXX, I received an email from XXXX stating that Wells Fargo once again.. said that they deposited the funds and cant find the beneficiary It has been 8 months and Wells Fargo hasnt give the money back or deposit it into my account. My elderly mothers health is deteriorating because of this, the amount of XXXX she is dealing with not knowing if she will ever recover the money. And Wells Fargo simply doesnt care for fixing it. 
Please, I need that money to be retrieved and to be deposit correctly. Whats the point of asking for so much information for the transaction if Wells Fargo doesnt verify it! Who is the beneficiary that Wells Fargo keeps stating in the internal messages that sent? 
This is fraud from Wells Fargo. 
I really want a solution. 
Thank You.
Consumer complaint received 2021-06-01
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: BARCLAYS BANK DELAWARE (NY)

Please see letter below regarding my original dispute with my XXXX XXXX reservation purchased with my Barclay 's XXXX on XX/XX/2021. The amount in dispute is {$2600.00}. The reservation had to be cancelled due to XXXX XXXX breach of contract. 
On XX/XX/2021 I presented an ample amount of correspondence to Barclays XXXX dispute specialist proving XXXX and its host acted in bad faith. Additionally, I have telephoned Barclay numerous occasions and not been given the opportunity to speak to an actual billing dispute representative. Ultimately, on XX/XX/2021, Barclay mailed me correspondence stating XXXX did not violate the terms and conditions of sale. Their conclusion prompted an immediate appeal on my behalf. 

To whom it may concern, I have faxed you an ample amount of correspondence regarding my dispute with XXXX and my host XXXX. You can clearly see, I conducted myself in the utmost professional manner. This reservation appeared futile from the beginning. I am the consumer and I had to be involved daily regarding my reservation problems caused by the host and XXXX. The host and XXXX conducted themselves as unprofessional and doing business in bad faith. One can not expect a family, with a XXXX individual, to travel out of state, especially during these turbulent times, without CONFIRMED RESERVATIONS. I had repeatedly questioned the host regarding the method of confirmed reservations with the respective resort only to respond they would have my name when I arrive. REALLY!!!! The host presented as a marginal communicator at best. He should have confirmed my reservation with the resort sooner and eased the XXXX of not knowing whether I was going to be stranded in Florida without a place to stay in the mist of a pandemic It was only 48 hours prior to check in when the resort ultimately learned of my reservation and still the dates of the reservation were INCORRECT. This business transaction was nothing less than fraud and robbery! 
Please advocate on my behalf as I am a card holder in very good standing! I would appreciate a dispute agent to contact me regarding this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I booked a trip for myself and my brother/traveling companion with Chase Sapphire Reserve card that included a refundable hotel booking, 2 nonrefundable plane tickets, and 2 nonrefundable hockey tickets for a trip starting XX/XX/19. On XX/XX/XXXX, my traveling companion needed to undergo an emergency XXXX that prevented him from XXXX  per his XXXX. 

Chase sapphire claims to offer travel cancellation insurance for trips booked using chase sapphire card for reasons including : " Accidental bodily injury, loss of life, or sickness experienced by the Cardholder, a traveling companion or an immediate family member of the Cardholder or a traveling companion '' As soon as I learned of the XXXX, I contacted Chase in order to utilize this benefit. After speaking with a representative, I cancelled my refundable hotel booking and was told chase would handle filing a claim for the nonrefundable items. 

I received an email with a claim ID from Chase on XX/XX/XXXX requesting the relevant medical paperwork which I provided. I did not receive a response. 

I have received no follow up for chase despite having contacted chase at least 4 times now. 

Most recently, on XX/XX/XXXX. after explaining my situation to a chase employee, she was very upset at how my situation has been handled and transferred me again to the benefits team. I explained my situation to this team, and was told they had no record of my claim number but would start a new claim. I instructed that I would like to file a new claim and provided information over the phone. I was then told that I would be sent a claim form by email within 48 hours. I was never sent this any form or received any contact from chase. 

Chase employees that have been contacted on at least 4 separate occasions have shown to be willfully misleading during this process and has outright refused to honor the terms of their benefits card to this point regarding this issue. 

I have records of all interactions with chase to this point including recordings of all conversations with Chase Employees
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2021, a complaint was filed against Wells Fargo Mortgage with CFPB to recover a missing mortgage payment in the amount of {$3400.00}. The mortgage payment in question was made on XXXX XXXX, my checking account at XXXX XXXX  XXXX . 
An investigation conducted by a Wells Fargo Mortgage Case Specialist, Ms. XXXX XXXX on XXXX XXXX claims, the XXXX XXXX mortgage payment was returned to my checking account at XXXX XXXX XXXXXXXX on XXXX, and therefore, my claim against Wells Fargo Mortgage is now closed. 
When contacted XXXX  XXXX XXXX with Ms. XXXX finding, XXXX XXXXXXXX XXXX contradicted Ms. XXXX finding and found no evidence of a payment being returned to my account on XX/XX/2021. Also, my checking statement has no evidence of payment being returned on XX/XX/2021 as the Case Specialist claims. 
Furthermore, three different Wells Fargo Case Specialists have provided three different findings where the payment might be, but refused to contact XXXX XXXXXXXX XXXX to find the whereabouts of the returned payment. 
The latest finding by the Case XXXX, Ms. XXXX XXXX, is confusing and hard to follow. I have reached out to Ms. XXXX on several occasions and left three voice mail messages, to go over her findings, but no response from her to my messages. 
My request is, to have Wells Fargo Mortgage, contact XXXX XXXX XXXX  directly and find where about of my XXXX XXXX mortgage payment.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: INDEPENDENT BANK CORP. (MA)

We own a small XXXX XXXX, on XX/XX/XXXX we sent a check to our painter in the amount of {$2500.00}. Several weeks later the painter called and asked him where his check was. I checked with the bank and saw that the check had cleared our account on XXXX XXXX, so I thought we were all set. A couple weeks later the painter called again looking for payment. I told him the check had cleared. Around the same time our bank statement came showing the cleared check image. Painter insists he never received it, so we contacted our bank again. They investigated and said the check was deposited, unendorsed, via a XXXX XXXX XXXX ATM. My husband and the painter filed the appropriate documentation with our bank, Rockland Trust, and the painter signed an affidavit that he does not have a XXXX  account. Its been 4 months and we dont have our money back. Rockland Trust says that XXXX  is investigating and that could take months!! {$2500.00} is not a huge amount of money, but in this pandemic, we need every cent of cash flow. Not to mention, we had to pay the painter, so we are out an extra {$2500.00}.

This was absolutely an unauthorized transaction and both banks, Rockland Trust and XXXX XXXX XXXX are not following the rules for an unauthorized transaction. We reported this well within the 60 day window, but neither bank is following their responsibilities. We have had nothing in writing, just excuses, and we are told to have patience, that the investigation could take 4-5 months. Inexcusable. When I spoke to Rockland Trust on XX/XX/XXXX XXXX 4 months after the check was stolen ), I was advised to open a new account and to be patient. Ordering new checks, deposit slips etc. cost {$400.00}. For a situation where we did nothing wrong. Do we have any recourse? This is ridiculous that neither bank is helping us. If this had been a {$25000.00} check not {$2500.00}, we would have been out of business. And there is absolutely nothing we could have done differently. We mailed a check to a vendor. What else could we have done??? And if the check was deposited via an ATM as we were told, there has to be a card linked to an account. Why is it so difficult to find our money??? Ive asked to speak to the fraud department at our bank to get more info, but was told that they dont talk to the public.????? I have absolutely no faith in either bank. This could easily happen again and, other than handing our vendors cash, there is nothing we could do differently. HELP!!!
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient reported me as 60 days delinquent to the CRAs in XX/XX/XXXX ; however, if you look at my credit report you will see that they reported me as current for XX/XX/XXXX. One can not go from being current in one month to being 60 days past due the following month. Either Navient incorrectly reported me as current in XX/XX/XXXX OR Navient incorrectly reported me as 60 days late in XX/XX/XXXX. It is not possible that the company 's records substantiated both records at the time they were furnished. 

This illogical reporting calls into question the integrity of Navient 's reporting and whether it accurately reflects the terms of liability for the credit account as well as my performance and conduct with respect to the account. 

I question the status of my loan that Navient reported to its Board of Directors in those months where they designated me " current '' on my credit report but charged me late fees, which I just learned they have done 30 times in the past two years despite me having made payments on time.
Consumer complaint received 2022-05-15
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2022-03-01
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. (TX)

The information that is being reported on me is false. I have tried contacting the comapies to gain more inforamtion about the accounts that were opened over the phone or online. I never opened the accounts listed
Consumer complaint received 2022-03-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (NC)

I have filed for Identity Theft a few yrs back when my luggage was stolen in XXXX, GA. I and have disputed these accounts for several years but still no one have resolved the issue as of yet. Its preventing me from moving forward with purchases as well as preventing me from purchasing a home. I have incorrect street addresses, fraudulent accounts, and incorrect job information. I was incarcerated during a few of these years that have dates of the initial loan disbursement. If you could please bring some type of resolve on my behalf so I can finally begin to live without getting harassed by the bureaus for some accounts that doesn't even belong to me.
Consumer complaint received 2021-11-01
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: LEXISNEXIS (OH)

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. 

LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. 

LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. 

I have demanded that they remove all my information from their databases immediately. 

I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.
Consumer complaint received 2021-11-01
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: BARCLAYS BANK DELAWARE (IL)

I hired the housecleaning service XXXX to clean my apartment on XX/XX/XXXX, but they notified me via text before my appointment time that their worker was unable to make it, and they needed to cancel my appointment. And so they never showed up. This was just as the Covid pandemic was starting. At the time, I was not charged, and thought that was the end of the matter. Note that my phone only stores text messages for six months, so I do not have their text cancelling the service. When I used their service prior to this, they asked me sign something to verify the cleaning had been completed ( obviously this time I did not sign anything, as they never showed up ). 

Then seventeen months later, in XX/XX/XXXX, I was charged {$83.00}. I contacted my credit card company, Barclay 's, but was told I needed to first contact the merchant. I did text XXXX, who said they would " fix '' the charge, but they did not. Note I am including that text conversation. In it, XXXX says the cleaner completed the cleaning wrongly, which is *not* true- the cleaner never showed up. Nonetheless they said they would " fix '' the charge, but then nothing happened, so I then initiated a dispute with Barclay 's.

Barclay 's sent me a letter dated XX/XX/XXXX, saying they were rejecting my dispute. XXXX apparently provided to Barclay 's evidence that I had originally booked an appointment with them, but they did not and can not provide evidence that they actually showed up and cleaned my apartment, since they did not. They did not provide the signature they require when a cleaning is completed. But for some reason Barclay 's took this as " proof. '' On XX/XX/XXXX, I faxed a long letter to Barclay 's explaining all of this and asking them to re-open my dispute. But as of today, I had not heard back, so called to follow-up. I was told by Barclay 's that they did not re-open my dispute, but they could not tell me why. I asked to speak to a supervisor and was told it could take up to 15 days to receive a call back from one. I have already spent hours on hold and trying to resolve this.