davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

XXXX XXXX is a SCAM! I submitted a complaint outlining false reporting around the date a Best Buy credit card account was opened. They responded admitting the account was opened in XXXX and went delinquent in XXXX but because they purchased the debt in XXXX that is why they listed the account being opened. THIS IS FRAUD. When they bought the debt has nothing to do with how old the debt is. They are doing this so they can restart the clock on my credit report and have longer to collect. It is predatory! The age of the debt being accurate on a credit report is important! Newer debts have more impact on overall credit score. It needs to be reported accurately. This is so criminal. They are also claiming they cant control what the credit report agency shows which is also untrue hence it being illegal to report false information. Are they accusing XXXX XXXX of lying? Well if so THEY should file a suit against the credit reporting services for misrepresenting their data but that is not what is happening. Please this is predatory and I expect the government to do the right thing and hold XXXX XXXX  responsible. Claiming the debt was opened in XXXX because they sent a letter to me informing me of the debt that had already existed for years is insane. Im not going to let this go!
Consumer complaint received 2021-12-29
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 recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. I have sent over 3 rounds of letters
Consumer complaint received 2022-06-21
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. (GA)

There are two items ( XXXX XXXX, XXXX XXXX  ) reporting on my credit report that are not my accounts. It appears that both accounts were open in 2019. I have made several attempts to contact the credit bureaus via mail to address this situation. Each time I receive an updated copy of my report with the same 2 items still reporting. I have not receive any results of the investigation that can actually tie me to these accounts.
Consumer complaint received 2022-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

XX/XX/XXXX - I submitted PSLF employment certification form to FedLoan for period covering XX/XX/XXXX to present for employment with the State of SC. My employment was previously certified dating back to XXXX of XXXX only as I was in a 27+ month forbearance period from XXXX to XXXX of XXXX. Based on the PSLF limited waiver, I submitted a request for the period of XXXX to XXXX ( even my online FedLoan account shows eligible payments in date range of XXXX to XXXX but requiring approved employment in order to qualify ). Based on advice I received from FedLoan PSLF customer service rep about filing this ECF, I submitted a request to certify my entire employment history with the State to include the the period of time already certified ( XXXX to XXXX ), as opposed to only seeking certification for the period from XXXX. 

XX/XX/XXXX - Received letter from FedLoan notifying me that they updated my PSLF payment counts based on the employment information submitted. However, the only updates FedLoan made were to those between XXXX and the date of my ECF submission. They completely ignored the XXXX period. No rejection, no notes or explanation, no call to employer for additional information .... nothing. I subsequently called FedLoan PSLF line 3 times with waiting periods ranging from 1.5 to 2.5 hours. Each time I explained this issue. During first call, customer service rep indicated he understood the oversight and that my ECF would be reviewed with a determination made within 7-10 business days. It's been 3-4 weeks with no updates. My two other calls yielded no additional information that was helpful.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION (NY)

In XXXX of 2021 i received four check from the social security office an m & t decieced two help them self with so much of my money like XXXX of its an i want its back. this is the second time they stole my money. XXXX XXXX
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NM)

Disputed charges were not credited back to account in a reasonable amount of time. Fraudulent charge was removed but was added back to the credit card. Customer service unwilling to remove the charge. 

Charge was originally made on XX/XX/2022, " XXXX *XXXX  XXXX XXXX XXXX XXXX FL '' Charge was credited back to the account on XX/XX/2022 Charge was billed back to the account on XX/XX/2022 Called credit card company multiple times over the last three months to resolve which only resulted in being transferred to different departments with no resolution
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 I received a wire transfer of funds in the amount of {$42000.00}. It was a wire that I was expecting as payment for a real estate transaction in which I was selling 2 lots of land that I own for these funds. The funds came through as expected without issue and the wire was posted in my Wells Fargo Business Checking Account. However, on the morning of XX/XX/2022, I received an email notification from Wells Fargo stating that all of my accounts with them were being closed as of XX/XX/2022, as a recent money transfer to my account was reported as unauthorized. I then called Wells Fargo to inquire what was going on as they had not called me and stated that there was any issue. 

They proceeded to tell me that the wire transfer of the funds that I had received were being " recalled '' as the person that sent the wire, was claiming that the wire was not authorized by them. I informed the Wells Fargo Representative that this is not accurate and I was expecting these funds to close out a real estate transaction with the sender. I informed them that I did not know why the sender was now lying & stating but it sounds like they are trying to scam me and get my property without completing payment for it. I informed the rep that they are MY bank and that me receiving legitimate funds is no reason for them to close out my accounts with them. As they ( Wells Fargo ) is acting like I did something wrong when I did not.

The rep then informed me that it looked like the sender themselves may have been flagged for potential fraud and that is the issue. I again stated that as far as I knew, the person I was conducting the transaction with was legitimate and I have a real estate contract with them & have given them the deed to my property already in exchange for these funds. Also, I informed the WF Representative that the whole reason that I requested for them to complete this payment via wire transfer, was because that is the only means of certified funds that can not be reversed. At least that is what I've always been told by the banks is that a wire can not be reversed. The representative then said they would investigate and make a decision by XX/XX/2022. 

I spoke to a local Wells Fargo branch representative on XX/XX/2022 and she confirmed that I did nothing wrong. She also confirmed that based upon the information I presented to her that there is no reason to recall the wire and from what she was told, the wire would not be being returned. She confirmed that it was up to me whether or not it could be returned. And I informed her that I dispute it being recalled. She then also confirmed that Wells Fargo 's fraud department were wrong in pursuing closing my accounts as again, I did nothing wrong.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX {$3400.00}. Credit score dropped over 40 points overnight! 
Wells Fargo Bank XXXX {$1300.00} Credit score dropped over 20 points for no reason! 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have no late or delinquent accounts!
Consumer complaint received 2022-04-20
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CO)

Hello- XXXX XXXX XXXX XXXX, I closed all of my accounts with Wells Fargo XXXX In XXXX of that year, I received {$1000.00} and {$140.00} charges and I was confused by this as I had closed all my accounts. I contacted Wells Fargo immediately, fearing fraud. WF advised me ( verbally through their customer service line ) not to pay in case it was fraudulent. It then took about six weeks to clarify what the charge. It turned out to be legitimate : overdraft protection kicked in when an autopay was pulled from the account after I had closed it. With this information in hand and the clarification giving me much relief that it wasn't fraud, I paid the bill in full immediately Unfortunately, In the few weeks that it took to get to the bottom of what was going on, my " excellent '' credit rating plunged over XXXX points to " good ''. In the past two years, I have written to all three credit reporting agencies, hired a firm that works on expunging unfair credit ratings, have appealed numerous times to Wells Fargo as the credit reporting agencies all told me that a letter of explanation from them would restore my credit. Wells Fargo continues to reply the same way which is to say Overdraft Protection was charged and there was no fraud. Which I am not disputing. The only thing I am asking is that the nuance of the situation be acknowledged and that be considered in a letter to the credit agencies. Again, I paid the amount in full the moment the explanation was provided to me. I carry no debt, own my home, and again have had exemplary credit for decades. That I would be punished with this egregious downgrading of my credit for making a legitimate inquiry and awaiting the response of a corporation that has the power to undo this in a heartbeat is beyond frustrating. Thank you in advance for anything you can do for me.
Consumer complaint received 2022-04-20
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: Chime Financial Inc (TX)

Chime is claiming on XX/XX/XXXX I did 2 atm withdrawal. XXXX XXXX and one at XXXX XXXX. I tried to explain to representative that I did the atm withdrawal at XXXX am but not the one at XXXX PM. They denied first dispute within 3 days. I then asked for a rebuttal in sent in my location history, my daily withdrawal limit which is XXXX XXXX a day and my spot me limit which is only XXXX. But they denied the rebuttal. So I asked the representative what my possible information could they possibly need. I have called repeatedly explaining to them that they made a mistake and they just say yes we see it here but we still have to wait on the investigation to be completed. Just for them to denied my dispute again. I also told them I'm on XXXX please just refund my money because it takes everything I get just to make it. If it was something I truly did I wouldn't be disputing it, but they refuse to give me my money back.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (CA)

This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.
Consumer complaint received 2022-04-20
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: CITIBANK, N.A. (KS)

XXXX account hacked, stolen tracking numbers, headache. 

Someone hacked my XXXX account on XX/XX/2022 and made three large fraudulent " spoof '' purchases ; {$880.00}, {$880.00}, and {$990.00}. The seller account which has since been ghosted is XXXX. What I mean by spoof is that the items were never shipped, but show as delivered because the seller/hacker provided stolen/duplicated tracking numbers that correlate to XXXX purchases that were delivered to my city. When I reach out to XXXX, they say they can't help me because I have filed a dispute with my card, which I have. I went to XXXX claims and was able to get detailed tracking info for one of the tracking numbers showing XXXX as the shipper, and someone else as the recipient. XXXX cancelled my claims on the other two tracking numbers, and when I called I was told that because XXXX was the shipper, I needed to reach out to XXXX for more information. I tried to chat with a rep for XXXX, but they would not provide me any further information. The reason I was told is due to security issues. When I try to contact Citi, I am told they don't see this dispute in their system, but then if I push them further I am told it is under fraud investigation. I have not been issued a security credit on these charges, nor have I been told when I can expect a resolution. Very frustrated with automated and unhelpful service when dealing with this scam on my card.
Consumer complaint received 2018-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Special Financing Company, LLC (FL)

XX/XX/XXXX, i reached out to XXXX XXXX for XXXX XXXXXXXX consult. I received a quote and i applied for credit. Was approved through several different companies but i chose XXXX XXXX XX/XX/XXXX. Even though, i havent had my XXXX, i started paying {$240.00} a month and paid a total of {$1400.00} before i cancelled the XXXX all together. I called XXXX XXXX about my refund and i also knew i was having to pay {$250.00} for canceling. It was told to me that someone from XXXX XXXX sent an email to XXXX XXXX letting them know i was canceling and wanted a refund. XXXX XXXX emailed me me back letting me know they was taking out the {$250.00} and i was getting {$790.00} refund. So i emailed asking what happened to the rest of the money. Still to this day no one will answer. I call back this year and i was told i was getting back {$680.00}. I called XXXX after the conversations with no success, nor any call backs. I want to know what happened to the rest of my money. I have every email and the contract.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ZIONS BANCORPORATION (UT)

Zions Bank is reporting a debt on my credit that is not mine. I am no longer an authorized user on this account and they refuse to remove me. I have called in and requested they remove me multiple times and they will not. I did not sign any contracts and this debt is not mine. I need it removed from my credit file ASAP.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX I sent Equifax the attached letter via USPS signature mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX ( XXXX XXXX in the file they maintain under my Social Security number. 
I was informed on XX/XX/XXXX that the item was deleted from my credit report, since they could not substantiate the account being reported. 
Now, 9 months later on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report without my knowledge. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I received no such notification.
Consumer complaint received 2018-08-02
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: Nelnet, Inc. (FL)

Nelnet is continue to put false information on my credit report. They say they have a promise note that I am sign for. I am questing that Nelnet pick one day out of month of XXXX, and we meet in XXXX and have expert look at promise note and I will be able that it counterfeit promissory note. I think it wrong for Nelnet to try against of XXXX people.
Consumer complaint received 2022-03-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2021 we leased a XXXX XXXX from a dealership in XXXX. We have excellent credit and without consulting us the dealership chose Ally Bank for use & we didn't have a say. 
We didn't know our loan was assigned to Ally Bank until we received the first bill about three weeks after closing with the dealership. no one explained anything to us nor gave us any instructions, not the dealership & not Ally Bank. 
About 2 months ago the XXXX  was stolen and we were working with our insurance adjuster. The adjuster called Ally Bank and asked for our loan pay off but Ally Bank refused to provide him with the information. We then tried calling Ally Bank ourselves, asking for the payoff. We spoke to three different departments plus a supervisor and they all refused to provide us with the payoff information of our own loan. 
The reason why they refused to give us our payoff amount is because they wanted to get the highest amount they can from the insurance company. 
We owed Ally Bank approximately $ XXXX  and the insurance company not knowing our payoff amount offered us {$62000.00} to settle the insurance claim. But then we received a call from Ally Bank stating they would get the full {$62000.00} amount and we would get nothing. they relayed that they owned the vehicle, not us, and is why they would receive the entire amount from the insurance company. 
So while we lost an approximate total of $ XXXX, which included the down payment, the added XXXX '' wheels with lift, numerous personal items stolen from inside the vehicle, $ XXXX in monthly payments paid to date and the difference in the current market replacement value we would need to pay for the same vehicle purchased only a few months ago. 
Ultimately, we lose $ XXXX  and Ally Bank makes an extra $ XXXX. Even the insurance adjuster told us, he'd 'never dealt with a bank that takes all the money from their customer like Ally Bank . ' To put it into simple terms, if I had made a $ XXXX  down payment on a $ XXXX auto loan, Ally Bank would still have received the {$62000.00} insurance claim even though the loan amount would only have been $ XXXX. That's exactly what I would have lost in this scenario ( - $ XXXX ). This is what I call fraud. 
Ally Bank is taking advantage of their customers in a deceptive manner and by refusing to provide the payoff, in order to get a higher amount from the insurance company, it definitely feels like fraud. 
So now after losing all of my savings, the $ XXXX  auto investment, I have no money left to buy a new car so I'll have to live without a car for a while. 
Someone needs to put a stop to companies like Ally Bank who are taking advantage of their customers. 
I am hoping you can help us and others like us put a stop to this type of company greed and deception.