davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I submitted a claim with Wells Fargo on XX/XX/XXXX about a scam/fraud I was victim of which utilized XXXX - I paid {$500.00} as a security deposit for a rental property another individual claimed to be the owner of and listed the property 's address and " deposit '' in the transaction description. It turned out this person was not the owner of the property and created a fraudulent lease which I signed. 

I had a fine experience submitting the claim and was told I would hear back from them within 10 days. On XX/XX/XXXX I called again referencing my claim number stating I had not heard back. I can confidently say this was the worst customer service experience of my life. The representative I spoke with repeatedly told me how I was wrong and essentially blamed me for not understanding what was going on. She expressed zero empathy for my situation and gave me no indication that she wanted to help me resolve my problem. She belittle the fraud that I was a victim of and pointed out how it was solely my fault for not reading the " big red letters '' as a part of their user agreement. I just stated that since this application had the banking information of the other party, I hoped they could help me in tracking that down. I had a police report filed and I would like them to assist. She told me that Wells Fargo is not reliable and that she couldn't even tell if I was really scammed or not. After being repeatedly cut off and her raising her voice, I raised my voice back and said I want to speak to a supervisor. She threatened to hang up the phone on me and said she couldn't connect me to a supervisor, even though it was roughly XXXX XXXX XXXX, where Wells Fargo is headquartered. I was directed to her supervisor 's voice mail and shared my thoughts there. 

It was truly humiliating working with someone with such disregard for an unfortunate circumstance. Wells Fargo has in my opinion made no attempt to help me find the person responsible and get my {$500.00} back. Ironically, I'm currently in the process of getting a mortgage on a new home with Wells Fargo and have had a great experience with the bank until now.. But, I'll have to reconsider that after this encounter.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AL)

07 XXXX XXXX XXXX Purchased : XX/XX/XXXX Financed : {$15000.00} Original lender : XXXX XXXX XXXX XXXX ( XXXX ) Int. Rate : 24.99 % Term : 72 months Pmt : {$430.00} Military orders sent in & applied to the account in XX/XX/XXXX. 
Int. reduced to 6 % & pmts dropped to {$280.00}. 
-- -Loan sold to Santander around XX/XX/XXXX. 
*closing balance with XXXX was {$13000.00} *1st statement from Santander showed the balance was {$14000.00}. 
-- orders were only valid for one year. XXXX nor Santander ever adjusted the loan int/pmt back to the original amount. 

This loan was supposed to pay off in XX/XX/XXXX. Balance was still showing on the statements as {$13000.00}. When requested about it in writing, Santander sent over a " loan revision '' to reduce the balance and pmts, stretching the contract another 2 years ... paying a total of 4 years past the maturity date. 

Loan revision matured XX/XX/XXXX. I wrote them again in XX/XX/XXXX, demanding my title and a refund of what I've overpaid them ( at that time, I had overpaid according to the " loan revision '' by {$1900.00} ). They responded by still demanding payments, and attempting to repo 4 times. Since XX/XX/XXXX, there have been an additional {$2100.00} in payments, bringing the total overpayment to {$4100.00} ( since the revision ).
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

My complaint is about a credit card I had with Chase Bank. 

I have had a credit card with then for a few years now, keeping it up to date and using it frequently. I was recently approved for 2 new chase credit cards, ( one was a Marriot Hotel card ), in addition to those two cards, Chase decided to give me a credit line increase on my current account. However, the day I activated my two new cards, I was immediately notified that ALL my accounts had been closed, including my old one. 

When I called the Chase representative, they were very cold and rude, treating me very unprofessionally, and just read off some list of reasons why my accounts were closed. They explained that the main reason for the closure appears to be because some of my store credit cards had been " closed by the issuer '', those accounts were closed because there had been no activity, so it appears on my credit report as such. I had no control over that situation. I did not use the cards, plain and simple. 

To make my credit situation worse, due to the fact that Chase approved me for 2 new cards and increased my current credit line, my credit score increased, however now that they have closed all the accounts my credit status will deteriorate. Which will cause other creditors to either lower my credit lines or close my accounts, because this will appear as a 'closed by issuer ''. 


I would like someone at a higher level to review my account and situation and reevaluate the closure.
Consumer complaint received 2018-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northern Service Bureau, Escanaba Inc. (MI)

Northern Service Bureau has accounts listed that are my Ex-husband 's. I have tried for years to have them remove the accounts from my file but won't. We have been divorced since XX/XX/XXXX. 
XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} I can't set up a payment plan on accounts with them when there are accounts on my report that are not mine.
Consumer complaint received 2015-04-19
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NY)

My wife held and qualified for the XXXX Bonus Miles offered with the Southwest Airlines Rapid Rewards Visa Card offered through Chase Bank. As required she spent the {$2000.00} within the first 90 days. The terms and conditions state that the " bonus miles will post after fulfillment of the requirement. My wife closed the credit card account prior to the miles posting but after " fulfilling '' the terms and conditions. The terms and conditions do not stipulate that the miles are forfeited if the card is closed prior to the posting. Furthermore, my wife was never informed of this over the phone at the time that she closed the account. Chase insist that they would have so informed my wife -- they did not. My wife holds XXXX college degrees including XXXX graduate degrees and is a highly paid professional. What are the chances that she would would have closed the account with a XXXX balance and forfeited the miles had she known? As stated, such information is NOT in their terms and conditions. The so called " Customer Service Specialist '' at Chase stated that the forfeiture information was in the letter that she received AFTER she closed the account. Little late then
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc. (GA)

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I disputed a {$29.00} charge of {$30.00} transaction made on from XXXX, b/c after I returned the defective item, the merchant only refunded {$0.00} ( a XXXX ). A person alleging to be from Chase called me in California, where I am a resident, on a RECORDED line asking ME for my name, credit card number or SSN. This was a red flag for FRAUD b/c the law enforcement agencies constantly warn people NOT to give out their confidential info unless you can verify the caller 's identity. The caller refused to identify herself besides a random name and that she was calling from Chase on a RECORDED LINE. I told her that I do not consent to recording the call, that California is a two-party consent state. Chase ignored me and continued to record the call. This happened a couple of times. 

Then I rec 'd a letter from Chase dated XXXX, denying my dispute, alleging that Chase had sent me a letter requesting addt'l info about the dispute. Chase ALWAYS asserts that it sent such a letter in previous disputes ( three ) but i have NEVER rec 'd such a letter. The letter I do always get from Chase is the denial. 

Today, XXXX, I called the number on the denial letter. The recorded voice stated that the call would be recorded and my voice could be used for verification, indicating that Chase illegally STORES customers ' voice which would include confidential, personal identifying info like names, credit card # s, SSNs, DOBs, addresses -- all info used in the billion dollar fraud known as identity theft. Who knows what Chase does with this info? 
After I refused to consent to being recorded, Chase rep XXXX repeated over and over again that the call was being recorded, ignoring my informing her that I do not authorize the recording of my voice or my confidential info. XXXX stated that then Chase would not help me on my account b/c ALL calls to and from Chase are RECORDED. That means Chase intentionally blocks my access to my acct and my ability to resolve disputes, report fraud, etc UNLESS I CONSENT, which is FORCED. All the while, even after I repeated that she should immediately stop recording me as this was against California state law, XXXX continued to record me and then proceeded to disconnect the call. I now have no way to appeal the denial of the dispute. 

I am reporting this to the California State Attorney General 's office and the SEC b/c Chase is the ONLY financial institution that I use that violates state law, FORCES its customers to be recorded or else be turned away from accessing their own financial accounts, and REFUSES to help its customers unless we involuntary consent. Chase can not be allowed to BULLY and FORCE customers into having their privacy violated, their confidential info AND THEIR VOICES recorded and used in unknown and probably nefarious ways for its own monetary gain.
Consumer complaint received 2019-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (CA)

Account was listed on my XXXX credit report on XX/XX/2019. 
Debit Recovery Solutions Collections claiming I owe {$310.00}. I do not know this company. I have never received documentation to validate my debit.
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IA)

XX/XX/2018 I was contacted by a debt collection company by phone stating that I would be going to jail for check fraud unless I paid $ XXXX, for a loan I was given by ACE CASH EXPRESS approximately 10-15 years ago. I am currently on SSI/Disability and I told that to the person on the line " whom I later learned was named XXXX ''. And I explained to him that I didn't have that kind of money and was struggling to make ends meet. However I did tell him that I could make an arrangement to pay something each month until it was paid off and he asked " how much '' and because of my current financial struggle I stated that I could pay at least $ XXXX- {$25.00} per month and at times maybe more until it was paid off. Well XXXX then stated that he couldn't accept that low of an amount and asked if I could ask my friends and family members and come up with {$1700.00} that day and take care of this. I again told him that I was unable to come up with that amount so he said he could lower that to {$700.00}, and I told him that I have no friends or family members that would loan me that kind of money. He then drop it down to {$500.00} ... ..and once again I stated that I just was unable to come up with that amount. He then said " well can you ask your friends and family members for {$170.00} today, to keep me from sending somebody out to pick you up today XXXX meaning arresting me and taking me to jail ). Frustrated and afraid of being arrested, I told him that I would make a few calls to someone and see what I could do. Unfortunately I was unable to come up with any money, and when I tried calling back several times I kept getting a busy signal. " Please Help Me ''? The Docket # XXXX
Consumer complaint received 2020-02-08
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. (MO)

When my identity was compromised i made a report however unknown and unauthorized items are still appearing on my credit file. The 3 major reporting agencies are required to show the Method of Verification when processing unauthorized accounts, and if this shown can not be demonstrated then the credit reporting agencies shall remove the accounts. Please remove and block the following accounts both collections and unknown authorized user accounts inwhich I have no knowledge of. 

1 ) XXXX {$250.00} 2 ) XXXX XXXX XXXX  ( unknown authorize user account ) 3 )  XXXX/XXXX  XXXX
Consumer complaint received 2020-02-08
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. (MO)

When my identity was compromised i made a report however unknown and unauthorized items are still appearing on my credit file. The 3 major reporting agencies are required to show the Method of Verification when processing unauthorized accounts, and if this shown can not be demonstrated then the credit reporting agencies shall remove the accounts. Please remove and block the following accounts both collections and unknown authorized user accounts inwhich I have no knowledge of. 

1 ) XXXX {$250.00} 2 )  XXXX XXXX XXXX ( unknown authorize user account ) 3 )  XXXX/XXXX  XXXX
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC (FL)

On XX/XX/2019 XXXX called my husband and my place of employment. Stated to both that she needed to get in touch with me regarding time sensitive documents regarding my property and to verify my employment. When my employer refused to provide information she became combative and HR told her to fax her request for information. My husband told her he knew she was scamming him because our mortgage is paid and she spoofed the number she was calling from. She called from XXXX-XXXX-XXXX and left a number XXXX-XXXX-XXXX  to call back and that is summit receivables. nothing to do with my mortgage.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I try to get help with a loan I stay with my parents and I myself needed a small loan to pay rent or if be evicted an the lady looked at me an I felt judged an she told me I can't help you an wouldn't even look at me to say it to my face .... I felt like reporting her an getting her information she also said you sure you can pay back the loan like if I can't an I felt she was discrimination me cause I'm XXXX and she was very rude
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I recently called to inquire about a " fee '' that appears on my bill every month, and learned that it is a past due late fee from some previous late payment. I have been paying that fee in addition to the " amount due, '' per the instructions on the bill which clearly states " total amount due '' which includes the itemized " fee. '' In accordance with regulations the late fee portion of my bill will not be allocated any of my payment until the outstanding interest has been paid in full, and my monthly payment does not cover the interest. Therefore, every payment I have made has included a fee for the late fee that has been allocated only to the interest. When asking about this, Navient informs me I do not actually need to pay that late fee, as it will simply be added to the balance at the end of the loan. My efforts to explain to the customer advocate that the bill clearly miscommunicates this in two places as " total amount due '' each month that includes the " fee '' have been met with condescending disregard. I wrote a letter clearly detailing this concern asking for reasonable rectification, and again was told there was nothing amiss.
Consumer complaint received 2024-02-12
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. (CA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX  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.

15U.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. 
These inaccuracies are stopping me from getting a house for my family and car for kids.
Consumer complaint received 2019-06-20
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. (NC)

RE : EQUIFAX PARTICIPATING IN IDENTITY THEFT XXXX XXXX Last4 : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX ( XXXX ) XXXX Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the XXXX time I have made specific demands against this felonious organization to remove such information from my EQUIFAX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX : BAL : {$12000.00} XXXX  XXXX  XXXX-BAL : {$12000.00} XXXX  XXXX XXXX-BAL : {$1600.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I ahve opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX. XXXX. 'XXXX XXXX  XXXX-XXXX XXXX, XXXX XXXX   XXXX-XXXX  XXXX, XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX  XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX  IXXXXC-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT