davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX2021 I was paying my property taxes online for the XXXX of XXXX. I own two properties in the XXXX XXXX XXXX. 

While I was paying I mistyped the APN number to one of the properties, and made a payment on someone else 's property taxes. 

I immediately went to my local branch of Chase bank and placed a stop payment on this with the help of a bank employee. I was assured I got there fast enough and they would stop the payment. 

On XX/XX/XXXX I noticed the payment was " pending ''. I went back to the branch and was sent to a second branch to see the same employee that helped me initially. He completed a 2nd stop payment request and opened a claim. Again telling me that the payment would be cancelled with no problem, and the funds would not leave the account. 

The transaction has since been completed and the funds taken from my account. 

I issued two stop payments, made 7 visits to Chase bank, and made 3 phone calls to their claims line. 

They are claiming I took too long to issue the stop payment, despite being at their branch within 15 minutes of the online payment to the assessor being initiated. 
They have promised repeatedly someone will call me and rectify this problem, but no one has called, and the employees of the local branches say there is nothing else they personally can do to help, it has to come through their claims department who denied the claim. The branch employees say they have escalated higher internally but no one has responded too either of us. 

I have attached a copy of my banking history showing the payment was taken out, along with both stop payments I requested, XXXX and XX/XX/XXXX. Along with the receipt to the tax collector dated XXXX.
Consumer complaint received 2021-12-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There are a lot of negative elements in my credit report that do not belong to me and I want them to de removed from my persona information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

I previously filed a CFPB complaint ( XXXX ) concerning a charge by a vendor, XXXX XXXX, and a debit transaction made against my checking account with Wells Fargo. To my knowledge, Wells Fargo is overdue on a response and never responded to the underlying complaint. Today, I received an email from Wells Fargo stating the amount in dispute in the underlying complaint with CFPB was being withdrawn from my account, and that the bank " lost '' the dispute. Today, Wells Fargo withdrew approximately {$580.00} from my account, without having provided me proper, prior notice ( other than today 's email ) ; and without Wells Fargo having even bothered to formally respond to my prior complaint by addressing CFPB. Wells has also, again ( twice now ), by today 's actions, failed to properly and adequately advise me of the reasons for their decision in writing. They have also apparently violated CFPB 's complaint procedures relative to the underlying complaint. 

This second complaint concerns Wells Fargo 's failure to address the first complaint. They apparently have now not only failed to address my concerns, but have failed to adhere to, and comply with, CFPB 's procedures and mandates regarding my underlying complaint.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. This account has been in dispute for 9months, since XX/XX/2021. I've noticed since XXXX of 2021 Equifax have not included in the comment section that this account has been in dispute since XX/XX/2021 but yet it does state Charged off account Auto. The following information therefore needs to be re-investigated and removed from my credit profile for not including that this account has been in dispute in the comment section for past 9 months. 

Account : XXXX XXXX XXXX XXXX XXXX that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 

In this complaint accompanies a copy of my credit report from Equifax reflecting no comments stating this account has been in dispute but yet it does state Charged off account Auto.
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion refuses to update my credit report regarding student loan information. I do not have a loan with XXXX and they refuse to correct my report. Theyre not verifying and updating. They are just ignoring my dispute.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Bankruptcy — 
Company: WELLS FARGO & COMPANY (MI)

My ex husband filed for bankruptcy on a Wells Fargo Credit Card. I was listed as the second cardholder, i did n't sign anything obligating me to pay for this card and it was discharged on my ex husbands bankruptcy.Wells Fargo has severely damanged my credit scores by falsely reporting this information.
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

XXXX XX/XX/XXXX I On XXXX XX/XX/XXXX, I received a collection notice from IC System n the amount of {$170.00} for equipment belonging to XXXX, a cable company. The account was closed by me one year ago and its status on the XXXX  site is AMOUNT DUE {$0.00} No payment is due. 
The equipment ( two cable boxes ) was via XXXX XXXX on XXXX XX/XX/XXXX and DELIVERED on XXXX XX/XX/XXXX. TRACKING NUMER XXXX ( see shipment details below ) THIS IS THE THIRD TIME that I have provided proof for this returned equipment. 
1 ) In XX/XX/XXXX, XXXX XXXX XXXX XXXX sent an erroneous bill in the amount of {$170.00} for this equipment. I provided PROOF OF SHIPMENT and DELIVERY by email XXXX XX/XX/XXXX See to XXXX on <<Attached please find proof of shipment from XXXX  store # XXXX. The equipment was delivered to you on XX/XX/XXXX. Please remove the charges immediately. This is totally your error.>> 2 ) IN XX/XX/XXXX, XXXX XXXX XXXX attempted to collect this equipment charge of $ XXXX. I again provided the tracking number to a collection agent. 
3 ) On XXXX XX/XX/XXXX, a third erroneous bill for {$170.00} arrived. NOW its I.C. Systems. I immediately Telephoned to XXXX ( spoke with IC Agent # XXXX ) and provided the XXXX tracking number again. I also have to send them a letter by POSTAL MAIL -- IC systems doesn't accept email. 



PROOF OF SHIPMENT ATTACHED AGAIN XXXX XXXX TRACKING NUMER XXXX
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have numerous credit inquiries that i did not authorize and are showing up. I have disputed by phone and nothing done. I disputed online and they closed the dispute same day saying they will remain for 2 years. This is not correct to do and fraudulent. I want these removed. It seems to me that a credit bureau reporting false info needs to be held accountable and should fix the areas of concern. Pages 3, 4, and 5 of the uploaded report shows the inquiries that are not authorized by me.
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC. (IL)

Equifax had a data breach and my information was exposed! My credit score went down because of it and I dont k ow what to do! I am very angry about this and if they dont fix it, I am suing Equifax. A lot of people were affected by this breach! They didnt send a letter out or anything! Please fix my credit report or Im suing Equifax for the exposed data breach. Thank you.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (MI)

XXXX XXXX issued a credit collection to Credence Resource Management for {$290.00}. I never received any communication from either company, so as soon as it was reported on my credit report I contacted them and paid the balance of {$290.00} on  XX/XX/2020 and was informed they would close this account. They never reported my payment of {$290.00} and issued an even higher balance of {$340.00} without ever receiving any communication again. I contacted Credence Resource Management and was informed by someone named XXXX and XXXX that I was lying about my payment being posted. Asked me to get my bank on the phone to confirm, and once I got my bank on the phone they back tracked and asked me to hang up and that they would transfer me to another supervisor. The next supervisor XXXX XXXX informed me that they did have the payment but that XXXX issued another collection and that I still have a balance. Again they never reported me paying anything to them. They are stating I have paid 0 % of my balance to credit agencies with is false. They took my money and accused me of lying about making my payment. They were not able to verify any information related to the amounts and are falsifying reporting amounts and dates related to this account.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

We have been in default and trying to refinance our mortgage for several years now. Our most recent attempt resulted in a letter from Wells Fargo saying they do not have the authority to offer a HAMP modification as servicer to our mortgage. Wells Fargo was the original note holder and transferred it into a trust held by XXXX XXXX XXXX. Both Wells Fargo and XXXX HAMP are bound by the 2012 XXXX standards and must under law review our mortgage for a HAMP modification, however we believe they are attempting to use the TRUST to avoid this legal requirement. It is our belief that they intend to wait until HAMP has expired and then release the deed from the trust and then foreclose, circumventing their lawful requirement to offer us a HAMP modification.
Consumer complaint received 2022-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Hello : I am in the XXXX program for my student loans via XXXX. I have worked for the same employer ( a local government ) for 8+ years now while in this program. This year XXXX has been unable to accurately service my loans. It's been three months and they keep failing to properly process my Employment Certification Form and send me erroneous, misleading, information. The first letter they sent XX/XX/22 showed the same number of qualifying payments as the previous year, alarmingly pushing back my estimated forgiveness date, despite them being in receipt of a completed form at that time. They obviously didn't process the form and decided to send out wrong information and create confusion. I called their customer support and waited an absurd amount of time to only be told by an agent that they could clearly see it was a mistake, but all they could do is make a note in my file to process the form correctly. Ok, I give benefit of the doubt, wait.. Now, they send correspondence on XX/XX/22 that says my XXXX form is incomplete and can't be processed! This is patently false, as I can retrieve the file I uploaded to their website still in the outbox and see that the items they are claiming aren't filed out are indeed completed! They said I need to contact them AGAIN! As I write this I am on hold for an hour already still trying to get a simple form processed correctly. This is insanity! I feel completely abandoned by XXXX and they are clearly unable to do this work anymore. This XXXX program feels predatory now like my own servicer is sabotaging me when I've done everything right and am almost at 10 years. PLEASE HELP.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Sale of account — 
Company: WELLS FARGO & COMPANY (CA)

The original creditor, Wells Fargo Bank, sold my debt to a collection agency, and I paid the debt in full in 2011. The agency correctly reported the amount paid in full to the credit reporting bureau - however, the original creditor shows the debt as owing and 'late. ' I contacted Wells Fargo and they refuse to remove the debt from my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

Barclays and Jetblue have partnered to offer a MasterCard. They claim that you will receive promotional bonuses and points for flights. I have spent 4 hours on the phone with both Barclays and JetBlue and neither company is able to link my credit card with the Jetblue rewards. They refuse to award the offer for which I signed up.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Fees charged for Check Image Statement after conversion to Huntington Bank XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call Told bank this is a reoccurring issue ; each month different excuse. 
Told bank I was filing a complaint.
Consumer complaint received 2021-12-28
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: NAVY FEDERAL CREDIT UNION (GA)

I was on vacation in XXXX. I purchased XXXX rings, earrings, and a bottle. In XXXX weeks the stone fell out XXXX of the rings. I called the company to explain and they offered to repair but never responded to my messages about where to send it. So I filed a claim with my bank. The bank declined and stated that because I here was a no refund policy then there is nothing they can do.
Consumer complaint received 2021-12-28
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. (AZ)

I have been a client with XXXX XXXX Bank for many many years. They do not offer any kind of auto pay, they charge their " annual '' fee monthly, they don't ever send bills/statements/emails/or texts regarding payment due which makes it hard to figure out what is due and when it is due without constantly checking their site. I have notified them via phone and email numerous times of the issues I have had with no getting bills/statements/tect alerts or anything to tell me a payment is due and when. I almost never use this card but since its one of my oldest cards I keep it open per a lender recommendation. However, that one 8 dollar monthly fee keeps turning into late fees at the result of their system which I feel is designed to snag people into late fee traps. I have signed up for their statements/text alerts, etc to NEVER get them. I will however, magically get an alert that I am late but only after the late fee has been placed on my account. I think this is shady practices and an effort to constantly make more from people by changing them late fees on a system that doesn't allow auto pay, doesn't send bills ( email or mail ), and doesn't send out alerts even when signed up for. It is affecting my credit by their dirty practices and I can't be the only person who is having this issues.