davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
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: WELLS FARGO & COMPANY (PA)

Originally victim of a scam where I was double charged for my purchases. There were XXXX legitimate transactions. I signed a receipt for both. Merchant told me they had to rerun the transactions because there wad an issue with running my card so they reran both transactions again. 

I disputed transaction with Wells but they said since I signed the receipt I need to call merchant. I called the merchant. After a XXXX XXXX of talking to random people I got a hold of the manager. Instead of reversing the transaction he just lied and said the prices were all doubled. Which is absolutely ridiculous and an obvious scam. 

I reached out to wells and explained what was going on. XXXX of their people literally said to me she knows this is a scam but there's nothing they will do. This double charge is {$3600.00} mind you. So wells was totally fine letting me just get robbed of {$3600.00} and letting me figure it out. This after XXXX XXXX  of perfect pay on multiple trade lines with them. They told me unless I come up with new info they wouldn't help me. 

I got copies of the receipts and documents from transactions and pointed out an obviously forged signature on XXXX of them. I sent them copies of my uber receipts showing time I left. I've sent screenshots showing people verifying in XXXX reviews the pricing me and merchant agreed upon. They have ignored this info. I've asked for the person investigating my issue to call me each time I was promised a phone call but they never do. 

I reached out to the XXXX XXXX  to try and get a referral for a lawyer to sue the merchant. I've called multiple lawyers myself to try and get this handled. After a time I decided I will just pay as much as I can so my perfect credit stops getting damaged and because I had spent over XXXX XXXX XXXX stressing about this. 

When I called wf and asked for settlement options the person I spoke to ran me through a calculator. After I had answered literally just the XXXXXXXX question she influenced me to change my answer. Ultimately I was declined a settlement. When I asked why they would rather me just charge the card off she said it's because they can write the loss off in their taxes. 

I had to liquidate my IRA so I could pay off the transaction and it still was not enough to cover the late fees and interest accrued while I was fighting the transaction. 

Wells is the ultimate example of apredatory and irresponsible lender They gave the merchant an opportunity to scam me. They're allowing me to be victimized by the merchant by not reversing the double transaction. They're also profiting off of the scam by trying to collect interest and late fees accrued while trying to resolve this. On top of that the customer service has been horrible. I never get the calls I've been promised and their responses are delayed allowing more fees and interest to accrue.
Consumer complaint received 2022-10-26
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XX/XX/1968 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received my reinvestigation back from you Transunion File number You said everything is verified as 100 % accurate and updatedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof that there are discrepancies listed for each account. 100 % accurate means each aspect of the reporting contain no errors. So the close date should be the same. This documentaion shows the account numbers, open date, and balance are all the same, which means they are all the same account. However, Transunion is reporting the closed date as XX/XX/2017. XXXX reports the close date as XX/XX/2017. I have doubts and concerns that the alleged reporting of Transunion is not correct.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MD)

Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the Santander Consumer USA INC account violate this law. This letter is requesting the removal of all late payments on the following account immediately.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (NV)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

I am applying for loss mitigation because my husband 's income has gone down substantially. I have been submitting the requested documents since XXXX. They are not even working the account. I've heard that XXXX borrowers are getting shafted by this company. I have submitted all of the requested documents over and over and they keep saying please resubmit the same documents because they are not working the account in a timely manner causing the documents to expire and I have to go through the process again. They also told me that during this process we are granted protection and that has not happened. Our credit score has dropped because they are not working our account within the 5 to 7 days of us presenting the documents to them. They are asking for the same documents over and over. This is causing us to loss our home in the meantime. This seems to be the outcome they are desiring. I have recently been sent back our documents and told to resubmit them again. We are now at 50 days past due. This is just a game to them. The customer service representatives are unhelpful and you can not speak with anyone else who can help with this situation.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I'm emailing you because my credit report contains inaccurate information. Regarding this, I've written to XXXX, XXXX, and EXPERIAN. Well, none of them try to fix the situation in any way. As additional identification, I provided them a copy of my passport and my social security card. 

Please assist me in finding a solution. I've been under a lot of stress because of this issue. 


Best wishes, XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Dealer Service has deliberately failed to comply with the rules and regulations of the FCRA, regulation Z, the Truth in the Lending Act, and consumer protection from predatory lending activities. 

I am requesting documentation for proof of certificate of indebtedness, financial statements that includes the balance sheet, income statements and cash flow statements. 

I am requesting documentations on the origination of the funds. Where did those funds come from? 

I am requesting IRS 1099-C cancellation form showing theres any debt. 

I am requesting all receipts of this alleged debt. 



Based on my wisdom, banks do not lend out their own money. The purpose of the bank functionality is to purchase securities and then resale it at a higher interest rates to potential investors. 
The average employees who managed Wells Fargo Auto operations does not own the company, nor its executives. The shareholders own Wells Fargo Auto Services not its employees, thats why its called Owners Equity for its shareholders.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was the victim of an internet scam. I had sent an email inquiry about a boat listed for sale on XXXX XXXX. I received an email from a guy named XXXX XXXX claiming to the seller. He stated he was selling the boat through a broker service named XXXX XXXX XXXX. There was a link to website and it looked like a legitimate company. I agreed to buy the boat and followed the payment instructions for a bank wire transfer which was sent on XX/XX/XXXX. When the boat didnt arrive as scheduled I called the number listed on the website and an agent told me I would be receiving an email within 5 minutes updating the status of my order. I got an email and it stated there was a minor accident and that the boat would be delivered the next day which was Friday XX/XX/XXXX. When the boat didnt arrive the next day I started having a bad feeling and I went online and found a XXXX  complaint that was identical to my experience. I called the bank immediately and the agent with the fraud claims department said I would need to go to a XXXX XXXX brach since I done the wire transfer in person at a branch. When I arrived at the bank on Friday at XXXX it felt like everyone was reluctant to assist me. A banker did call the fraud department and I explained the situation again and was told the same thing. I told the agent that I was at a XXXX XXXX branch using their phone. I set the phone down and found a banker to take the call. XXXX XXXX helped me after talking to the agent on the phone. She did a XXXX wire transfer reversal and gave me a case number. The money was sent to a JP Chase Morgan bank account and as it turns out my boat partner XXXX XXXX has a bank account with Chase bank. She had given me half the money for the boat purchase by depositing a check into my account the day before I did the transfer. On Saturday XX/XX/XXXX she went to Chase bank to make complaint because the bank was allowing scammers to use Chase bank. The agent she spoke with said that Chase was aware of the issue with account as of 4 days prior to her visit. XXXX called me on XX/XX/XXXX and said they were still waiting for a response from Chase bank about the reversal. I received a letter from XXXX XXXX dated XX/XX/XXXX that I didnt receive until XX/XX/XXXX that I would not get a refund as Chase would not return the money and the inquiry was considered closed. I called XXXX today XX/XX/XXXX because I missed a call from her last Friday. She said they had made several attempts to reverse the response. I also called the fraud department to verify this information.
Consumer complaint received 2017-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

My loan was originally serviced by  XXXX   XXXX . I requested several deferments while attending school. I did not realize the impact of these deferments. My original loan balance was {$38000.00}. I have made over 100 payments since   XXXX   totaling over {$36000.00} and now have a balance of {$39000.00}. I have always worked for   XXXX   XXXX   as a s  XXXX   XXXX   and I will soon be  XXXX  in  XXXX . How will I ever be able to pay off these loans?
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (IL)

The loan of {$1000.00} was financed on XX/XX/2022. I have made XXXX bi-weekly payments of {$250.00} totaling {$2000.00}. Due to financial hardship, I requested they remove teh ACH withdrawals from the account. They claim they will aggressively seek the remaining balance of {$3500.00}.
Consumer complaint received 2023-01-09
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: CLGF Holdco 1, LLC (GA)

I disputed these charges as fraud and they are reporting this balance to the credit reporting companies and asking me pay on this every mi th claiming they are investigating but this has been since XXXX thr charges and they are moving very slow if not at all. There needs to be some resolution but they will not provide any when I call or write so here is a formal complaint to see if they will adhere to the consumer law
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (FL)

Hello I am sending you this message in hopes you can assist me with a problem I am having with Bridge Crest regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX Bridge crest sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a XXXX late to the credit bureau. 

I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX Bridgecrest reported a XXXX late to my credit bureaus. 

I am in the middle of a real estate transaction and the XXXX late cause a XXXX drop in my XXXX XXXX. I called the Customer Service Department of Bridgecrest and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported 30 days late and it would not be removed. t be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment of {$350.00} this email did not ask for XXXX car payments The email dated XXXX XXXX XXXX cleary asked for XXXX payment to be made before XXXX XXXX XXXX to avoid a XXXX late. I made a complete car loan payoff before XXXX XXXX XXXX, why is a car payoff treated any differently with Bridgecrest. I completed a payoff before XXXX XXXX XXXX well before XXXX XXXX XXXX there should be no XXXX late period ... .. whether payment or payoff.. 

I want this corrected immediately as its only fair, based on the email I recived from Bridgecrest on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. I will take legal action against Bridgecrest if this is not corrected with all three major credit bureaus.
Consumer complaint received 2018-04-11
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: Experian Information Solutions Inc. (FL)

Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the XXXX breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2.  XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX
Consumer complaint received 2017-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please be advise that Bank of America violate the dual tracking laws, after our home had been considered for a loan modification agreement, bank of America was wrongfully pushing us to foreclosure 's sales, also simultaneously transferred our mortgage/loan to XXXX XXXX XXXX and then to XXXXXXXX in order to eliminate their name from the problems and unlawful act.that ant. Please note that under above mortgage transaction, our home was sold back to to XXXX XXXX XXXX XXXX XXXX by XXXX foreclosure and trustee Sale # XXXX / property address at XXXX XXXX XXXX XXXX, CA XXXX. 
On XX/XX/XXXX, we had no choice and forced to move out from our only existing premises that we spent all of our retirement and life investment. Regarding to our communication result with CFPB dated XX/XX/XXXX, Bank of America is so big and strong with their strong law firm that usually homeowners such of us become homeless regardless of our right. We did not receive any remedy yet, at this elderly ages with a few on going XXXX XXXX under a doctor 's care. We lost our home because of unfair business dealings by the bank of America. 
My wife and I are carrying a lawsuit against Bank of America for above illegal mortgage practices of dual tracking, and Homeowner Bill of Right. 
Although we can no longer take our home back, but we are willing for a fair settlement offer by the bank of America to recover some of our losses. 
We would certainly appreciate the assistance of CFPB corresponding to above and look forward to hearing from you.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (GA)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2022 XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX  XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$9900.00} XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$490.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

I have been receiving hourly phone calls from Navient student loan department every day for the past week. I am a co-signer on the loan and have told Navient numerous times they need to contact  XXXX  ( who the loan went to  )  to get payment or discuss deferring his current due as he has been unemployed since  XXXX . Even after discussing this, the calls have not stopped and I receive a call from  Navient  each hour. I have nothing else to help them with as they need to speak with  XXXX . I fully understand the situation of him being late but they need to be harassing him hourly until he pays them. Harassing me on an hourly bases is not helping the situation.  XXXX  can be reached at  XXXX  or  XXXX .   I send him every call fr om Navient as  well as if they leave a message. Not sure why they are not harassing him hourly until he talks to them about his current lack of income.   Please have  Navient  stop calling me every hour. I have attached my phones call log to show the constant calls. I can show the times if needed as well but trust me the calls are hourly from  XXXX    XXXX   to  XXXX  or  XXXX . If I lose my job over the constant calls from them, my lawyer will be contacting them immediately.   Thank you,  XXXX