davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (FL)

When I began with my credit card. I made normal payments like usual on them for a consecutive amount of months no problem.however around XXXX the card went missing so I was checking to see if the card was closed. They let me know it should be done and I waited awhile for everything to go back to normal. More payments soon appeared onto the card and I asked the bank if the card was really closed, but instead they closed down the account And didnt allowed me to no longer access my account directly. Soon after even when the account kept being messed with after this event I still wasnt let on what was happening. They finally lmk that I owe them over XXXX dollars worth from what was built up on my credit card from this fraud but had no idea why they couldn't just prevent any use of the card.my only concern then was to find a answer to which they told me they came to the conclusion it was me or someone I willing let do this. I dont know how it makes sense to let someone use up your credit card when I clearly said close it but they didnt want to listen. This needs to be fixed
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OH)

On Thursday XX/XX/XXXX at approx XXXX EST, someone used my debit card number on XXXX 3 times in a row for XXXX and then a 4th time for {$110.00}. 

Wells Fargo did not send me a fraud alert of any kind. 

The merchant is several time zones away. 

I woke up at XXXX on XX/XX/XXXX and the ONLY notice Wells Fargo gave me was that a XXXX transaction was declined due to NSF . Criminals had emptied my account of over {$400.00}. I had to cancel my grocery order for the weekend. 

I turned off my debit card on the online app at XXXX on XX/XX/XXXX and then immediately called Wells Fargo to alert them. 

The person on the phone seemed more concerned with sending a new debit card rather than giving me my money back through a fraud claim. 

Friday, a business day passed, then the whole weekend, and Monday XX/XX/XXXX passed, another business day, and so I called Wells Fargo again. I was upset that the claim was marked as dont remember the charges rather than FRAUD. I was told on my second call to Wells Fargo on Friday XX/XX/XXXX that this was a confirmed fraud case. 

The agent had additional questions for me to forward my claim. She also stated this was a confirmed fraud case. Wells Fargo never reached out to me to ask these questions to forward the claim, I had to sit on hold for 45 minutes! 

The strange thing is, she seemed more concerned with giving the merchant a chance to provide IP addresses to prove if the charges were legitimate. 

I only use my debit card at XXXX and at my vets, and XXXX. My debit card is in an RFID scanner blocker sleeve at all times. 

I dont know if Wells Fargo had a other data breach, but I do know 2 business days have passed and I want my money back in my account per the law. 

I am still waiting to get groceries on Tuesday XX/XX/XXXX.
Consumer complaint received 2019-07-30
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. (WA)

I use XXXX XXXX to get my credit reports through, and my Equifax report showed that I had 3 payments NOT received this month for XXXX XXXX. I am a XXXX XXXX. ( XX/XX/19 called ALL DAY waiting for call backs ) ) and I am on XXXX ( Mental health XXXX etc. ) and my XXXX XXXX payments are paid monthly out of my check BEFORE I receive it. ( AUTOMATIC ) I contacted Child support and they said that they've received this months payments and I am NOT behind in any way on payments. They suggested I file a complaint through the reporting agencies web site and try to resolve it. 
I attempted to do this through Equifax, but for some reason, after looking up all the info online to verify my identity ( Security questions / Highly sensitive questions about balances etc. / personal information, and more information than I can even REMEMBER ) ) They wanted me to send them a copy of my birth certificate and drivers license. 

I checked TODAY on whether my data was breached through Equifax ( Recent judgment against them for security breach ) and found that my information WAS breached, so I filed for compensation and successfully completed that process. FUNNY how someone was able to get my information so easily, yet I can't even get through the front door of this company to just correct missed payment status on my report??? 

I called them 4 times, and each time I got the same run around, and asked for a supervisor after the 3rd time, and I still got the same exact questions ( Verbatim ) from what they tried to say was a SUPERVISOR : ( : (
Consumer complaint received 2020-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Navient recently wrote me a letter XX/XX/XXXX stating they own a student loan ( s ) in my name. 
I am requesting Navient to produce the.chain of custody they own student loan ( s ) in my name. 
In the letter Navient sent two documents consolidated loan and repayment but both forms do not bear my signature. 

The FFELP Federal Consolidation Loan Application And Promissory Note form is a print name dated XX/XX/XXXX and XX/XX/XXXX the form state this is WEB form and not for public use. 
The form also state no printed name, no e -signature, no print e-name or the application will be rejected. The form state you can only mail in the form. 
The form upper right hand corner list me and the WEB as the lender. My signature is not on FFELP consolidation loan and application. 
The second document Loan Consolidation Disclosure Statement And Repayment Schedule does not have a lender name nor lender identification nor address. The typed form is missing money {$4100.00} from original amount borrowed {$53000.00} under original creditor. In XXXX their was no lender name XXXX XXXX XXXX XXXX the company did not register until XXXX for private student loans only. The form has no company identification. The months of payments are XXXX not XXXX in which make the amount owed wrong. 

The letter Navient sent stated I had a balance of {$6100.00} but Navient is appearing on my credit report as owing {$73000.00} as of XX/XX/XXXX after their XX/XX/XXXX investigation. That is a difference of {$12000.00}. Navient has damaged my credit score. This show Navient is wrong about student loans in my name they did an investigation. The letter state and the investigation was confirmed in XX/XX/XXXX. 

Sending a copy of my credit report to Navient. 

Thank you, XX/XX/XXXX XXXX
Consumer complaint received 2020-03-24
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. (VA)

There is a collection on my consumer credit reports for {$140.00}, reported on XX/XX/XXXX. The debt is reported by the Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have contacted the credit bureaus Equifax and XXXX  by mail on 3 occasions requesting an investigation pertaining to this debt they are reporting on my consumer credit reports, that is not my debt. To this date they have not provided any information, and to date have not removed this debt from my consumer reports.They are currently violating my rights under the Fair Debt Reporting Act and harming my credit rating. Furthermore, they are not responding to my repeated request to provide detailed information regarding the debt noted above. I have sent by First Class Mail three letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To this date there has been no response regarding my repeated request.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-02-04
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: ALLY FINANCIAL INC. (NV)

XXXX  has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MT)

I went to XXXX XXXX in XXXX. I received a loan from sallie mae and now it's Navient. I was in XXXX XXXX for 7 years XXXX to XXXX. I seen several informational articles that being i was in XXXX   XXXX, I should have qualified for a public service forgiveness repayment program. Sallie Mae and Navient both denied me and told me I did not qualify because i was a XXXX  XXXX. I was still considered as XXXX XXXX. I also have seen a school closure article that I as never told about either. When i asked navient about the school closure loan dismissal they did not give me direction on how to apply. My personal bank is the one that helped me with this information. Now that I am not in XXXX XXXX  anymore, I do not qualify for that program. I feel I was misled and missed out on an opportunity to help me with my loans.
Consumer complaint received 2019-06-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND XXXX XXXX   XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU
Consumer complaint received 2019-05-31
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: SYNCHRONY FINANCIAL (NC)

I have tried to dispute the account with Synchrony Bank/Walmart on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$870.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case on XX/XX/XXXX. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from Synchrony Bank/Walmart and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. I spoke to XXXX with Synchrony Bank Fraud Investigations on XX/XX/XXXX and was advised that they were able to show that the account belonged to me and that they wanted to know why I waited so long to call them and dispute the account as fraud. I explained that I never knew anything about the account nor do I acknowledge the debt. XXXX advised once again they did not have my proper documentation so I reached out to my credit monitoring service and also my Attorney in Fact to fax over the documents again to to fax number XXXX. XXXX was very vague in the information that he provided and states that an email address close to mine was used on the accounts which I can prove I never had that email address and never made payments on the accounts. He claims that they will receive the information again my Attorney in Fact faxed the documents to Synchrony Bank/Walmart on XX/XX/XXXX and she has fax confirmation and XXXX states will reopen the Fraud claims and process from there.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (OR)

Chase is forcing arbitration on me. I can choose to either surrender my right to sue them in a court of law, or they will cancel my credit cards. By cancelling my credit cards I would lose 30+ years of combined credit history as well as tens of thousands of dollars in limits/utilization. This can't possibly be legal. They are going to destroy my credit if I don't surrender my rights.
Consumer complaint received 2019-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I was under the impression my Paypal account is closed due to it permanently restricted from use, no transactions allowed to or from it. This also applies to purchases. It appears it is in fact permanently restricted. I need a statement from Paypal with the exact date it was restricted and if it ever was linked to another Paypal account, the email XXXX. Linked account refers to any and all funds transfers from XXXX to my account from the time period of XX/XX/XXXX to today, XX/XX/XXXX. Specifically, I request a research for a transfer in the amount if {$4200.00} during the same time period. I need this to show rep ( s ) with XXXX XXXX, their rep stated my Paypal account was or is linked to XXXX, this refers to any funds transfers to or from it. XXXX XXXX mailed me a close out check in the amount of XXXX on or around XX/XX/XXXX, intercepted by a third party and cashed. Needless to say, I did not receive the funds. XXXX XXXX rep referred to the Paypal account, XXXX, inferring the account was used to possibly transfer funds to my account which was suspended at the time. I need a brief statement showing 1 ) Exact date Paypal account was suspended, 2 ) a research for any transfers during the time period XX/XX/XXXX to today, XX/XX/XXXX, specifically the amount of {$4200.00}.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One restricted my credit card account. In order to reinstate the account, they requested a utility bill and my ID. I uploaded both documents to the portal. I received a call from an unknown number, which turned out to be capital one and left a voicemail asking me to return the call. I returned the call. The fraud department stated they could not verify the utility bill without me being on the phone to do a XXXX way call to my utility company. 

Capital One initiated a XXXX way call with my utility company, XXXX XXXX. After waiting on hold for a long time, a XXXX XXXX  representative verified all the required information to Capital One to their satisfaction. 

I noticed 3 days later I still had the restriction on my account. I called and spoke with another representative who told me that I need to wait for a phone call from Capital One. It has been a week and Capital One still has not called. When I speak to customer service they are confused and don't have any answers for me and just tell me that there is a 'step missing in the process '
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Subject : Dispute Regarding Unauthorized Disclosure of Financial Information Under 15 U.S. Code 6802 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure and use of my personal financial information in violation of 15 U.S. Code 6802. I believe that my financial privacy has been compromised due to unauthorized access and sharing of my nonpublic personal information. 

Details of the Dispute : XXXX  XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX  XXXX XXXX Balance : {$290.00} Nature of Unauthorized Disclosure : My personal financial information was shared with third parties without my explicit consent. 
Supporting Documentation : Identity Theft Report, Proof of Identity ( ID, Bill and SSN ) Fraudulent Inquiries XXXXXXXX XXXX  Date XXXX inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> Legal Basis for the Dispute : Under 15 U.S. Code 6802, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without first providing notice and an opportunity for the consumer to opt-out, except under certain circumstances. In this case, I did not receive the required notice, nor was I given an opportunity to opt out of such disclosures. 

Requested Action : I request that you immediately investigate this matter and take the following actions : Cease any further unauthorized disclosure of my personal financial information. 
Correct any records that have been improperly shared or disclosed. 
Provide me with a written statement confirming that these actions have been taken. 
Ensure that all my rights under 15 U.S. Code 6802 are fully respected moving forward. 
Please treat this dispute as urgent. I expect a written response within the time frame specified by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2019 I started receiving codes with numbers to access my account. I was not trying to access my account. I called Chase Banks customer service number and they asked me which checking account number? I only have one checking account with Chase Bank. It ends XXXX. Someone had opened a new account in my name. The bank had locked me out of my own account online. Then Chase bank tells me someone disputed legitimate items I had paid like my XXXX Car insurance. I made that transaction. I went into the branch in & spoke with XXXX. The fraud department told me I would need to do this. I did. XXXX assured me XXXX would get there money. She told us she closed the other 2 accounts and opened a 3 new account. Now my Chase sends me two new debit cards ( I should only have one ) one of the debits cards was already activated when we called the number on the card. Our car insurance is now being cancelled. Who knows where my money that I paid XXXX is. My social security payment is missing. I want my social security money that Chase assured me would be safe. If Chase is going to continue to fraudulently open under my name I demand that everything be closed in my name and my money returned. This is ridiculous. We have also received two new debit cards in the mail. 2 more  account numbers.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Im currently with Navient  as my loan servicing company and I have tried MULTIPLE times to work with Navient with no success and no relief in the end. Navient received my loans from Sallie Mae after the switch and I have continuously tried to work with them since XXXX the year of graduation. My original loan was for XXXX from XX/XX/XXXX with a 6 % interest rate. I have have ASKED on several occasions can I get a lower payment with Navient and time and time again I was told " I do not qualify based on my income '' and to just do a forbearance. Then I proceed to ask for the income based repayment based on the fact that I work fro the Department of Veterans Affairs Healthcare ( worked from XXXX & then from XXXX to present ) and have continuously. Again I was denied because of income and even denied based on the location at which I work. Which I thought the VA was a facility that was granted forgiveness because of income and population. Overtime, I have incurred several forbearances and now the loan has trippled in what is owed due to the forbearance and the interest rate. NAVIENT does not work with working mothers trying to stay above water on maintaining a good credit to be able to provide for her children. In addition, when you tell NAVIENT you can't afford what the payments are going to be there wonderful customer service says " how about a forbearance until while we check for applications for the IBR-income based repayment ''. Soon after you will get the denial and back to square one ... SO FRUSTRATING AND DEFINITELY SOMETHING THAT STRESSES PEOPLE TO THE NEXT LEVEL.