davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To whom it may concern on XXXX XXXX, I sent a certified letter to XXXX asking XXXX  to send me validation of debt owe to their bank in the amount of {$19000.00} and the wet ink signatures of me and XXXX XXXXo validate the debt owed. After careful review of the contract they sent me, I find not only any wet signatures binding the contract is that I have no contract with XXXX They sent me a application I filed out for a auto loan the application is not with XXXX nor has XXXX name on the application. I have no contract between myself and XXXX directly. I paid XXXX {$1000.00} From XX/XX/XXXX until XX/XX/XXXX. After reviewing the contract wXXXX name is not on the contract nor application they sent me. They could not provide me with a contract with them that I signed. So I do not owe them this debt and I would like this debt removed from my credit report and payments made to them refunded to me.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (AZ)

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX auto loan account opened : XX/XX/XXXX, under account number : XXXX, XXXX $ XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (ID)

I use Chime bank and went to an XXXXXXXX XXXX machine at XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ). I was withdrawing {$400.00} cash to pay my bills. When I received my funds I had only received {$240.00} cash instead of {$400.00} ( {$160.00} difference ). I thought maybe it was an ATM issue and they didn't have all the funds. I checked my account and I was still charged {$400.00} I called immediately in the parking lot of XXXX 's and told my bank ( Chime ) of the issue. The gentleman on the phone said I had to wait until the transaction was not pending to file a dispute. I was reluctant but I did that. I called back filed a claim. I feel as though they didnt try to get necessary information to file my claim. Over the phone The gentleman really didn't want to help me and I feel as though I personally was leading the process of filing the claim. My claim has since then been denied. I feel as though XXXXXXXX XXXX fraudulently took my money and Chime is not investigating properly or at all to see that I did not receive the correct funds. In XXXX years this is the first time I have ever received the incorrect amount at any ATM. I filed a second claim but again no information taken. I also asked why my first claim was denied and was not given a reason. My next step if this doesn't work is filing a police report. Its theft at this point
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (CA)

There were 2 unauthorized Inquiries made on my XXXX XXXX credit report, the unwanted inquires were made by SYNCB and XXXX XXXX i noticed this through XXXX XXXX, i already contacted XXXX to start a dispute.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

I have a Citi Bank credit card called the Costco Anywhere Visa Card. Citi Bank offered me a promotional APR on a balance transfer in XXXX. On XX/XX/year>, I requested a balance transfer of {$2000.00} through the Citi Bank app. I was given two options : the first was to enter a credit card for the balance transfer, and the second was to send the funds to my personal checking account at XXXX XXXX. I chose the second option. The app only required my account number and the name of the bank, which I provided. 

A week later, I contacted Citi Bank to inquire why the funds had not yet appeared in my bank account. They advised me to wait a few more days, assuring me the funds would be available soon. Two weeks later, I called again because I noticed in the Citi app that the funds had been sent to XXXX XXXX XXXX. I asked why they sent the money there, as I have no credit card or bank account with XXXX XXXX XXXX. They informed me that they would initiate an investigation and file a dispute, which they did. 

Two weeks later, I received a letter stating the result of the investigation : the {$2000.00} had indeed been sent to XXXX XXXX XXXX. I called again, but each time I did, the customer service representatives were rude, blamed me for the error, and were not helpful at all. I repeatedly asked to speak with a supervisor, but all they did was file a new dispute. In the final dispute letter I received, they stated, " We are unable to change the balance transfer request once it has been received. '' I called numerous times, but their service remained unprofessional. This situation has caused me significant stress as Ive been trying to resolve the issue, and I urgently need assistance because I still have to repay the money to Citi Bank, with interest, even though I never received it. 

Finally, I contacted the XXXX  XXXX Office of the Comptroller of the Currency, and they advised me to file a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc. (CT)

In XX/XX/XXXX I graduated a full-time graduate program and my student loan servicer at the time, Navient, did not honor the 6 month forbearance/grace period I was entitled to receive on my Direct and PLUS loans. As a result, I was forced to make payments in excess of {$500.00} that I could not afford at the time, or else risk being in past due status with the possibility of reporting this to credit bureaus. At the time, I was working in public service and despite providing information regarding my employment with a state agency, Navient did not apply the payments they coerced me to make towards the number of payments made under PSLF. I still have email confirmation of at least some the payments made to Navient during that time. My loans were ultimately transferred in early XXXX, and I no longer had access to my payment history and communications.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I got notification from my bank that money was taken from my account via paypal ... my paypal account was some how hacked or compromised, I immediately called paypal and told them I didnt make that transaction and to cancel it, because it was unauthorized .... they reply saying case closed in the seller ( the person that got the money ) favor because they determined there was no unauthorized use .... and to try to work it out with the seller, thats crazy because how am I to work out something with someone I don't know or have any contacts/business with .... they are they XXXXne that knows the person on their system and should investigate them to find out how and when we made a transaction and show proof, paypal is a scam and will not protect fraudulent transactions, their system show a new computer and passkey was added to my account and immediately funds was transferred in XXXX to some random person and refuse to help .... I need assistance .....
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am a XXXX in the XXXX schools in a XXXX XXXX  school. I have been XXXX for 11 years now. They removed me from XXXX  loan forgiveness plan and can not help me anymore. Navient has been giving me the run around and lies about everything they communicate to me. Please help a well deserved XXXX forgive her student loans quickly.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hello, I was on vacation in the city of XXXX, XXXX from XXXX24. I had XXXX unauthorized charges of {$190.00} on XX/XX/year>24 and {$160.00} on XX/XX/year>24 in XXXX XXXX. I was never in XXXX XXXX. I reported it to Wells Fargo Bank and the result of the investigation was that I authorized those charges, but it is impossible because I was not on vacation in XXXX XXXX, I was in XXXX, XXXX.
Consumer complaint received 2024-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I would like to review this account, what percentage of exaggerated interest was charged by you, 323 % more than my account, how is that possible? Of the XXXX requested, XXXX have already been paid, that is, 289.1 % more than what was owed and even so, they tell me that I still owe them {$500.00}. This has to be a mistake because if not, it is the scam of the century.
Consumer complaint received 2024-09-16
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I am in the process of making complaints through other agencies because they ignored recommendations from your company. This is my second complaint. 
As indicated in my previous complaint, I requested a balance transfer of about {$12000.00}. The company granted about XXXX of the amount. Then proceeded to apply it as if I had agreed to that amount. I did not. As a matter of fact, I never called to accept the credit card sent with that amount on the the card. Because of identity theft, The company would not know if the correct person received it unless I called from a number on application. Also, a company sends balance transfer checks so they the customer can call to know when to send payment in to determine the billing date. I never gave permission for any transaction to occur between myself, Bank of America, and XXXX XXXX. The solution is for Bank of America to reverse the charges and send the {$4000.00} plus back to XXXX card. Otherwise, this is blatant credit fraud. I will not submit to a payment that I didn't ask for nor did I approve. Please do what is necessary to fix this problem. I am sure this unlawful practice have been done to others. Thank you for your assistance. Hopefully, you will prevent this from happening to others.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

On or about XX/XX/year> I submitted a credit app directly through Nissan Motor Acceptance.

Right after submitting the application, I received a notification of a hard inquiry from Nissan Motor Acceptance, proving they did run my credit. 

After submitting this app to them I tried to email them to review the results/ offers. No one ever responded. 

I called into phone number XXXX today, and spoke with XXXX from Nissan Motor Acceptance. I explained that I had an app on file and just wanted to review my offers. He refused to assist me or provide me with the results of my application., He was extremely rude and stated that he didn't have to help me because I wasn't a customer and hung up in my face. 

This is unacceptable.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO MISCONDUCT : Phone, wallet ( debit card ) stolen out of my vehicle and fraudulently used by thief on XX/XX/year> in XXXX XXXX, CA. Claim of theft disputed with Wells Fargo. Funds stolen via a Wells Fargo debit card. A police report was filed ( XXXX ). Funds reimbursed 2 weeks later by the bank in a sum of {$1300.00}. However, 3 months later, today, Wells Fargo reversed the reimbursements ( {$1300.00} ) with no warning via text, email, phone call. I am XXXX XXXX XXXX and this retracting of funds is affecting my ability to pay other bills. Also, there was no reason given for the reimbursement reversal. 

DETAILS : When confronting the Wells Fargo investigation team with a Wells Fargo agent, they stated I am liable for the funds which were forced on me to pay. On this, I asked the following questions : How had the investigation team determined I was liable for the funds? Had they given me ample warning of the reversals? What methods did they use to conduct the investigation? 

How the team determined I was liable : Said they are not at liberty to provide me with that information. 

Had I been given ample warning : No. only mail was sent regarding the reversal on XX/XX/XXXX. Said they do not email, do not text, and will not call either. I did not receive this mail as of today, XX/XX/year>. 

What methods : Again, refused to elaborate. 

ADDITIONAL : -No purchase history on my account for the 5 years it has been active was ever made in XXXX XXXX , the location the thief made the payments with the stolen card. 

-Wells Fargo Investigation agent was rude and defensive to the account manager who was physically in my presence in the bank disputing the issue on my behalf. 

-Account manager stated this is a recurring pattern of fraudulent investigation misconduct with Wells Fargo . 

-XXXX, the company with other card stolen, reimbursed me the following few days with the police report as sufficient evidence. 

-A few transactions were declined on suspicion of fraudulent activity, but Wells Fargo approved it. 

-An XXXX transaction was declined as XXXX requires ID for large purchases, something a thief would obviously not use as using it would raise suspicion ( since I am not the thief ). 


-Personal belongings stolen : IPhone, pilots license, drivers license, debit and credit card ( XXXX  ). 

My actions : I am in the process of creating a court case with an attorney at hand. 

Supplemental media is provided relating to my text, in this document. 

Thank You, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CA)

I can't believe this is the third time Wells Fargo has tried to attached insurance to this ELOC account! It IS NOT a second it IS AN ELOC! I sent them proof SEVERAL TIMES via email of my homeowners insurance policy that renewed on XX/XX/year> with my XXXX XXXX XXXXXXXX XXXX Now they are tacking on all kinds of fees & penalties & trying to say my loan is behind & im not making full payments when IN FACT IVE PAID MY USUAL {$53.00} every month like clockwork as I always had! This is the third time I'm having this problem with Wells Fargo! I can't believe this & they are trying to ruin my credit! 
Also ; I've been trying to edit personal info to reflect ; XXXX XXXX XXXX ( not XXXX XXXX ) & my phone # is ( XXXX ) XXXX, XXXX
Consumer complaint received 2024-09-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: EQUITY LOANS LLC (NV)

XX/XX/XXXX received wiring instructions for payoff ( attached ). XXXX XXXX XXXX XXXX XXXX wired payoff amount which was due by XXXX XXXX. XXXX was {$100000.00}. XX/XX/XXXX and XX/XX/XXXXXXXX XXXX said XXXX was pending. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX informed us that the money was never received. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX was able to retrieve the money wired and resend the loan payoff again after calling XXXX and getting the correct wire information which was now {$100000.00} due to the fact that it was late from the original payoff quote. In addition to the {$110.00} in interest because the payment was late, we paid {$60.00} for incorrect wiring instructions the money was sent to financial instruction that does not do business with XXXX anymore. We wrote a letter to XXXX per their instructions requesting the extra {$140.00} interest and {$60.00} for incorrect wiring instructions be reimbursed ( attached ). XXXX XXXX received letter from XXXX that had nothing to do with our complaint referring to a phone conversation on XX/XX/XXXXXXXX XXXX XXXX  ( attached ). We didn't even own the house then.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Subject : Complaint Against XXXX for Inaccurate Reporting and Unauthorized Entries Dear CFPB, I am filing a complaint against XXXX regarding inaccuracies on my credit report, including late payments, closed accounts, and charge-offs that were reported without my authorization. These inaccuracies have had a detrimental impact on my credit and financial stability.
Consumer complaint received 2024-09-16
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 (GA)

On XXXX XXXX XXXX XXXXXXXX charged my debit card {$29.00}, without my authorization. 

Wells Fargo never resolved the claim. Reference number : XXXX They mailed me a computer generated letter with a decision but with no back up documents. I called to request these documents. They said 30 days to get these back up documents. How does it take that long, that is what I asked and they hung up on me. I had to call twice, just to get to a human in XXXX!
Consumer complaint received 2024-09-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

I been dealing with this issues for a few years from XXXX XXXX and now they transfer my account to collection agency when these XXXX accounts have been fully paid for. I also have spoken with the managers in the office and they also inform me that these accounts have been paid for. They don't understand where they are getting these outstanding balances. I am being contact via phone calls and by mail. This needs to stop. I have attached the payment history of all both accounts. This is law suit at this point when they are trying to collect on an account that is paid for.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Alliance One, Inc. (CA)

I have previously been a XXXX XXXX XXXX XXXX in many ways such as my house being broken into and personal information such as drivers license stolen, data breaches, social security number found on the dark web ect. So as a result of that I have had to dispute inaccurate information from my credit file, however this information never gets disputed. I'm told by the XXXX that the creditor is reporting information that allows them still have it on my credit file but when i reach out to XXXX XXXX ( AllianceOne ) they say this debt is under another name but is under my social security number and they cant provide any other information because its not under my name. I have no idea what this debt is because it is not mine and i want it to be removed from my credit profiles asap. It is reporting negatively and reflecting poorly on my credit file doing detrimental to my future financial endeavors.
Consumer complaint received 2024-09-16
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: JPMORGAN CHASE & CO. (FL)

I HAVE NEVER BROUGHT A CAR FROM CHASE BANK NEVER ALLOWED ANYONE TO OPEN A LOAN IN MY NAME WITH THIS BANK. I HAVE BEEN CONTACTING CHASE FOR THE LAST 3 YEARS TRYING TO GET THIS INFOMATION CORRECTED WITH THEM AND THEY ALWAYS SAY THE DEBIT IS MINE I HAVE NEVER OPENED ANY LOAN WITH THEM