davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On Sunday, XX/XX/XXXX of 2021, at XXXX I received an automated message from Wells Fargo XXXX The message goes as followed ( I have censored my personal information ) : FreeMsg : Verify Wells Fargo activity. Card **** {$600.00} @ ATM XXXX {$12.00} @ XXXX ****** Reply Y if recognized, or call XXXX. STOP to stop msgs. 
I immediately called the number, as I was checking my bank account transactions to see what was happening. Someone had accessed my account through a nearby ATM I had only used twice previously. They initially tried to take out {$600.00} but were denied. They proceeded to try again, but this time for {$500.00} and were successful as my bank transactions stated. I had recently gotten off work and was at home as I frantically explained what was going on to the number I had been instructed to call. They calmly accepted my situation and told me they'd be shutting off access to my card, and immediately sending a new debit card in the mail. I begged for more information regarding where my money had gone and how someone could've stolen it considering I only have one debit card, and no one knows my pin. A week goes by, and as of XX/XX/2021, I found a letter in my mail addressed to me as a resolution of my claim. They found the transaction to have been made by me because the person used my pin, therefore they ended it with a " Please consider your claim closed. '' I filed a police report that has not affected my situation, and I have been tight on bills ever since the sudden loss of this {$500.00} taken from my account. My account was closed a few months later due to insufficient funds because of this sudden impact. It would greatly help me financially to get back the money that was stolen from me so easily after having an account with Wells Fargo for XXXX years.
Consumer complaint received 2019-09-08
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: CITIBANK, N.A. (OR)

Unrecognized charge on my credit card. I disputed the charge but a month later it was back with a note indicating it was resolved. The note said to go to the communications center for further explanation, which I did but there was nothing there. 

Hours and hours ( literally ) of automated phone system XXXX finally gets me in touch with a person who tells me the same thing. When I ask them to go to the communications center for that further explanation, they can't find it either. So ... 

Transferred to another person who does the same thing, can't find the 'so-called ' communications except for telling me that I probably got an email with the resolution so it's now my fault ( e.g. no email ever received ). So I asked if they could resend it, which gets me transferred to another department and eventually hung-up on ... again.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX reports a collection account with XXXX for a balance of {$310.00} which is not due and has never been due and with conversations with XXXX XXXX, they will not remove it from the credit report ( even if paid ). 
I have requested the credit bureau to remove it and have not been successful in this effort.
Consumer complaint received 2019-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

We were alerted by Wells Fargo that there were fraudulent charges on our checking account amounting to several hundred dollars. When we called the number provided by Wells Fargo to confirm or deny the charges we were told by the representative on the phone that they could not provide any information about our account without a verbal password. We never asked to have a verbal password set up. They could not confirm if additional charges will be made and they could not close our account as we requested. They would not allow us to verify our information with another identifier. This happened on a Sunday ( today ) so branches are not open for us to address the problem in person. We also asked to close the account so no more fraudulent charges could be made and they did not allow us to do that. Wells Fargo is doing significant damage to us as a consumer. Action should be taken to address this so consumers are not hurt financially by this bizarre policy that they never asked us to set up. The person we talked to on the phone gave us a name of XXXX XXXX. He did not elevate the issue to management when we asked.
Consumer complaint received 2019-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Recovery Inc (NY)

The company name is Asset Recovery ; I have sent them bankruptcy papers with the discharge. In fact when I filed I sent them papers and when it was discharged Ive sent them the discharge papers. They have stopped calling me however they have NOT updated XXXX to reflect the Discharged in Bankruptcy Status. Balance XXXX! I have tried to call them repeatedly and not only have they failed to show the first collection was discharged but they added a second.
Consumer complaint received 2018-11-29
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. (TX)

I CALLED FOR DISPUTE AS A XXXX PERSON AND WAS REFUSED A CHANCE TO XXXX  AND WAS FOUGHT WITH WHEN I COULD NOT XXXX HIM. 

HE WAS VERY RUDE AND NASTY AND TOLD ME TO CALL BACK. HIS NAME WAS XXXX AND SO RUDE. 

AT FITST HE SAID NO ONE HAS HABD SETS AND HE SAID HE FINALLY GOT ON A HAND HELD PHONE BUT IT WAS HORRIBLE. 

HE DID NOT CARE AT ALL. 


HE WAS ABOVE RUDE AND VERY NASTY TO ME. I HAVE IT NOTED ON MY ACCOUNT, NOW THE SECOND PERSON IN DISPUTE IS REFUSING HELP TOO.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

I received a new auto policy for the year XXXX-XXXX, In the new policy it stated that there were four items that address my new auto cost and why they increased my policy. first of all, I been with this company for over 15+ years. I started in XXXX California and moved to XXXX XXXX 3 1/2 years later. I never been late with my payments or anything else. But for some odd reasons This third party bureau has decided to report Old information, inaccurate information and false information to my Auto insurance company. 
Secondly, I had spoken with LexisNexis consumer center several times in the past and future and told them orally and verbally that I would opt-out with there company and I placed a account freeze on my file. ( FCRA ). And they still provided information to " LexisNexis ''.
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (FL)

We have tried to get loan modification but were denied without a real explanation. In response to our loss mitigation application submitted on XX/XX/18 21st Mortgage denied us ( in their XX/XX/2018 letter ) because : " Based on 21st Mortgage 's judgment, you have not experienced a new significant life event resulting in a short-term inability to repay. You do not meet the criteria for any other loss mitigation program at this time. '' In our XX/XX/2018 loss mitigation application we indicated that our household income had been reduced because my wife had become XXXX and was out of work. We also indicated that she was receiving XXXX income and we could resume making payments. We submitted a copy of check stubs which clearly indicated that she was receiving " XXXX XXXX XXXXXXXX '' We are frustrated because XXXX XXXX XXXX rejected our earlier loss mitigation application on XX/XX/2018 for the exact same reason. If a person becoming temporarily XXXX at work is not a " significant life event resulting a in a short-term inability to repay '', then I don't know what is. It seems that the `company is arbitrarily not helping us. Please see attached loss mitigation application, temporary XXXX check stubs and denial letters.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Dispute XXXX shows that it was completed but I can not get a copy of what the results were. As you can see by the attachment there is supposed to be a PDF download and there is never a PDF download with any of my disputes for me to view. They are required to keep them online for 30 days the dispute was just completed on XX/XX/XXXX and there is no PDF download. I have no idea of the results and they won't tell me over the phone.
Consumer complaint received 2019-09-08
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (TX)

My credit card balance transfer checks were stolen and then used without my authorization. I do not know who used it and how they got my checks.

The check was deposited into a Trucking company account that I do not know and can not locate that company either.

My credit card company is now asking me to pay for this fraudulent transaction.

Please help me as I did not use this check and did not authorize it either.

Thanks
Consumer complaint received 2018-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I have been contacted several times by phone by a Mr. XXXX at Sallie Mae. I have sent two letters in the past asking Sallie Mae to cease calling me and to contact me only through mail. Sallie Mae only wants to talk to me about my " options '' through the phone. They continue to call me and my mother throughout the day while I am at work. I want to have my options written out on paper where I can see what my options are, and I can respond by letter. I am making payments, albeit the payments are not the {$5000.00} dollars they would like from me monthly ( as I can not afford this amount, and I do not even make half this amount monthly ). I have spoken to their customer service agents on many occasions, of which I've detailed several of those conversations on CFPB, and they do not offer any services that will assist a XXXX working class American, such as myself. The lowest they could ever lower my payment was just over {$1000.00} per month. I can not afford that payment, and I do not have relatives or friends to assist me in that payment. Given that this is my loan, and not a friend or relative 's loan, they do not have to. Additionally, we live within similar financial classes, and they couldn't help me even if they wanted to. 

What would help rectify this situation? For Sallie Mae to cease calling and to send all their correspondence by email with details of all my options written out. I would also like an option to respond by letter.
Consumer complaint received 2019-09-08
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. (IL)

I have disputed incorrect information on my Equifax credit file numerous times and Equifax continues to verify incorrect accounts that shouldnt be on my report. XXXX   and XXXX has removed these incorrect accounts with no problem but Equifax is the only bureau that has been gobbling me a hard time correcting my own file. I need these accounts removed. I have attached the accounts thats needs to be removed to this complaint.
Consumer complaint received 2019-01-12
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. (OK)

EQUIFAX IS REPORTING AN ACCOUNT PROVIDED TO THEM BY XXXX & XXXX XXXX, THIS COMPANY HAS NEVER SENT OUT A COLLECTION NOTICE AS REQUIRED BY 15 U.S. Code 1692g - Validation of debts AND GIVING ME THE CHANCE TO DISPUTE THIS ACCOUNT, AND EQUIFAX HAS NOT MAINTAIN A COPY OF ANY SIGNED CONTRACT OR AGREEMENT THAT VALIDATES THIS ACCOUNT PRIOR TO BEING REPORTED TO MY CREDIT REPORT According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of Americas privacy notices appear to be a financial service as mentioned in section 1016.3 ( m ) ( 3 ) of Title 12 of the Code of Federal Regulations ( CFR ) which states that a financial service includes your evaluation or brokerage of information that you collect in connection with a request or an application from a consumer for a financial product or service. The term financial product or service is defined in 12 CFR 1016.3 ( m ) ( 1 ) as any product or service that a financial holding company could offer by engaging in an activity that is financial in nature or incidental to such a financial activity under section 4 ( k ) of the Bank Holding Company Act of XXXX  ( 12 U.S.C. 1843 ( k ) ). It would appear that Bank of America, according to section 1843 ( k ) ( 4 ) ( C ) of Title 12 of the United States Code ( USC ), is engaged in an activity that is considered to be financial in nature as it appears to provide financial, investment, and economic advisory services.

Also, it appears that all banks do is give credit in exchange for information - an applicant generally submits information on an application, then the bank either accepts the application based on the information it gathers from the application and other sources and then gives credit, or the bank rejects the application. 12 CFR 202.6 is evidence of this because it states, in relevant part, the following : ( 6 ) Credit history. To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : ( ii ) On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness ; and. Hence the existence of the privacy notices/polices of all of these financial institutions.

I see no reason to have to lead a less-than-luxurious life since this appears to be the case and, seeing as I currently have no food ( Im literally regularly stealing food to eat ), I have no lights on, etc., so something has to shake.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I've been working on my credit for a couple of months now because I plan on using my certificate of eligibility from VA to purchase my first home. Once I received my initial credit reports that I requested, I noticed that XXXX XXXX ( previous lender ) had charged off the balance of my car loan. I've tried using the dispute process at no avail. My car was originally totaled out by XXXX XXXX XXXX XX/XX/XXXX back in XX/XX/2019. At the time my XXXX XXXX was determined a total loss I owed {$20000.00}. XXXX determined the value at the time of loss was {$10000.00}. This left a hefty balance of {$10000.00}, however I wasn't concerned because I had purchased GAP insurance at the time of my car purchase that covered a maximum of 150 % in case of total loss and I also purchased an extended warranty. XXXX paid their portion. I filed a claim with XXXX XXXX XXXX  XXXX/XX/XX/XXXX for my GAP claim and also reached out to XXXX XXXX ( where I purchased the car ) to file a claim for the refund of my extended warranty. After a couple of weeks, XX/XX/XXXX ( GAP ) had sent documents on how much they were sending a check out for ( {$7300.00} ) leaving still a remaining balance of {$2700.00} however, this included an " in house estimate '' for my extended warranty. Upon reaching out to XX/XX/XXXX customer service I was informed that once XXXX XXXX received the actual amount from the extended warranty if their estimate was incorrect, contact them back and they would pay the difference. In the end, the initial " in house estimate '' was incorrect. I reached back out to XXXX and they ask that I request a copy of the check sent from the extended warranty or payment leger proving how much was actually paid so they could adjust the payment and send out a check for the balance. I reached out to XXXX XXXX on several occasions to get this documentation so my balance could be cleared. The last person I spoke with was XXXX XXXX a loan administrator for XXXX XXXX who initial contacted me about setting up a payment plan for the balance. I informed her of the issue I was having surrounding the balance. I was told that she would submit a request for the information I was requesting and I never heard anything back. I reached out again recently and left a message explaining the urgency and I still have yet to hear back from the company. It is unfair that I now have a malicious charge off on my credit report that I did not deserve. This is negatively affecting my purchasing power for my first home. I did everything I could do to insure this company got their money and they dropped the ball. I should not be punished because they did not do their job. A simple copy of the warranty check would have resolved the issue in its entirety. Your assistance in this matter is greatly appreciated.
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (KY)

This cellphone plan started on XXXX. After all the lies about pricing and quality of services, we would receive told to us by the sales rep came to light. I returned all of my equipment and canceled all services under the buyer 's remorse clause on XXXX to the original store. 
I paid all restocking fees and have the original sales receipt as well as the original return receipt. On XXXX I received a notification on my credit report that an account placed into collections on my credit report. And is know showing as an active collection on my credit report. I returned all the equipment and canceled all service. This Debit is not valid, and I have not received any prior notice of attempts to collect this debt to give me a chance to dispute this.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I have tried to clear this collection with Midland for almost a year now. I do not owe the debt to synchrony bank. 

Midland Funding Llc Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XX/XX/XXXX
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One- XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major operation, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (AL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2019-09-09
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. (TX)

I paid my XXXX XXXX credit card on time and I gave documentation to confirm that it must have been an mistake made in the crediting of my account. I would like my credit report to reflect that I have been paying my XXXX XXXX account on time.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid my XXXX XXXX XXXX XXXX on time and I gave documentation to confirm that it must have been an mistake made in the crediting of my account. I would like my credit report to reflect that I have been paying my XXXX XXXX account on time.