davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX I been disputing these fraudulent inquires and accounts since I discovered I was a victim of identity theft. Nothing is being done. I never did business with these companies nor have any knowledge of them. I didn't give these companies permission to use my information. I have filed in person police reports. I believe it might be a family member using my information.
Consumer complaint received 2023-08-10
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. (SC)

I was a victim of XXXX XXXX coerced into being a co-signer on a vehicle that an individual did not pay on or settle. Im a victim and shouldnt go through this. I will get a lawyer if I have to. This has been going on too long and none of the credit bureaus seem to care. I need this fixed immediately it was done to hurt my finances. Ive disputed it countless times and havent received a positive result.
Consumer complaint received 2023-08-10
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-10
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)

I have a charge in XX/XX/30 in a XXXX store for XXXX for a service that service that I found out that it was free after contacting the store. 

I dispute the charge with the credit card for a few reasons : -The service provide was free ( sim card for my second phone number ) according with the company after i called and confirm with them -It was provided a receipt at the store for what was being charged in my card. ( After the dispute they provide not for me, but to the bank the receipt -the store didnt tell before that that was a charge for the service. 
-After the dispute with the bank, the store is saying that they set up the phone with the number. They did not set up my phone. The only provided my the sim card. 


The bank refused to reopen the dispute.
Consumer complaint received 2023-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WV)

-- -- -- -- -- Original Message -- -- -- -- -- Hello, In XXXX the CFPB sued XXXX regarding the private loans issued under them and $ XXXX has been forgiven or discharged as it was created under fraudulent circumstances. I have received forgiveness for my federal loans, but have been diligently paying my private loans waiting for the news. As of that judgement in XXXX and a XX/XX/XXXX settlement of an additional $ XXXX in private debt, these loans should not be collected on any further. 

The XXXX opened these loans under false promises and threats, they committed fraud against the students, and by continuing to collect on these loans, Navient has opened themselves to liability in connection with said fraud. 

Please discharge these loans or provide me with information on how to do so. I have paid an additional 3 years after the judgments that should have erased the debt. Contact me.

_____________________________________ Response ________________________________________________________ XXXX, I understand your concerns regarding your Navient private loans and hope you find the following information helpful. 
At this time, only federal student loans disbursed to Corinthian colleges and XXXX XXXX schools have been approved for discharged under Borrower Defense to Repayment discharge claims. Unfortunately, private student loans disbursed to these school have not been granted discharge. For assistance with your available private loan options, please contact our Private loan specialist directly at the telephone number of XXXX. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX Your loan servicer Your loans are serviced by Navient Solutions , LLC ( NMLS # XXXX ). 
ref : XXXX : ref
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NV)

I had a membership with XXXX XXXX with my ex-wife in XXXX. I cancelled this account IN PERSON in XXXX of XXXX to the location at XXXX XXXX XXXX XXXX in XXXX XXXX. 

I continued to be billed $ XXXX x XXXX accounts for a total of $ XXXX for 4 years. 

Twice during that time, including today I have spoken with Chase Bank about this issue. Today, Chase initiated a refund and credit along with an investigation to see why the payments were allowed to continue. 

I did not pay close enough attention to my account, I suppose, but in the end, I not only followed the procedure outlined on XXXX XXXX XXXX website, but I also sent in a letter in XXXX of XXXX and followed up with a phone call to confirm receipt. 

I feel as if I am do my {$20.00} per month back from either XXXX at the time of the initial in person cancellation OR from the date of the letter in XX/XX/XXXX. 

This issue with XXXX XXXX is not isolated to me, it is a common issue and complaint with them. As a matter of fact, when I spoke with the representative at Chase this morning he shared a similar story experience that his mother had with them and they were demanding that she come in to a location in person to cancel and she had moved out of state to a place where there were no XXXX XXXX locations. 

XXXX XXXX continues to withdraw $ XXXX ( x 2 ) from my account each month and once a year they debit {$19.00}. 

This needs to stop, not just for me, but for others as well. You will find thousands of victims, I'm sure. 

When I contacted them today, they do not even have my membership still in their system YET, they continue to bill me.
Consumer complaint received 2023-08-10
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

I have no idea what this debt is. I do not owe Midland Credit or XXXX XX/XX/XXXX. They have not reached out to me in the past. This is not my debt and I feel this should not be on my account. I do not understand why this is being reported when I pay all of my bills on time. Please have this removed from XX/XX/XXXX. 

Thank you,
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

Equifax has not provided an update to my credit score since XXXX of XXXX. When I attempt to access my credit file via their own website, there is an error code of XXXX and my credit file is saying XXXX. I have called the customer service number XXXX over XXXX times between XXXX XXXX. The answer I receive is the code XXXX  means that some information was incorrect and that the back office would have to resolve this issue. I have faxed over countless copies of my drivers license, passport and social security card verifiying my identity but undoubtly, the information is not being received. 

I reached out to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX speaking to different representatives with no resolution. 

I reached out to the company again on XX/XX/XXXX after attempting to access my credit report via the myequifax.com website and after receiving the same error code. The representative ( XXXX ) verified that it was an error on my credit file which had been there since XX/XX/XXXX and he would have to send a ticket to the back office to resolve. I asked him how long this would take and he said not long usually XXXX days and that no further action on my end needs to be taken. 

I reached out on today XX/XX/XXXX and spoke to XXXX. Explaining to him what I have addressed before, the error code XXXX and me not being able to access my credit from their website and that my credit file is still saying XXXX, as if I have no credit file. Today is the day and now it is time to file this complaint.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023, I was involved in a wire fraud scam. The scammers called me off of the Wells Fargo customer service number and changed the caller ID to appear as though they were the bank. The scammer told me that someone illegally wired a large amount of money out of my account this ended up being a lie but they ultimately tricked me into unknowingly granting them access to my account in which {$13000.00} was sent to their bank account, under the guise that I was inputting their names, as Wells Fargo agents, and this amount of money to cancel out the fake request and return the stolen amount back into my account. Obviously, that was a ruse, but it was too late. 
I quickly notified Wells Fargo within XXXX minutes of the final transaction. Upon speaking to a real Wells Fargo banker, I was told that I would receive a resolution within a MAXIMUM of XXXX business days ( XX/XX/XXXX ). Since then, I have called Wells Fargo almost every single business day, and until today, the XXXX business day, I had received no concrete update aside from that they have requested XXXX recalls from XXXX XXXX, the bank the money was apparently sent to. I was told multiple times that there was no resolution up until XX/XX/XXXX, and suddenly, on the morning of XX/XX/XXXX, despite having called Wells Fargo the day before, I receive a letter in the mail stating I will not receive my money back. They did not tell me this the day before, nor did they imply I would not receive this money. This is not a trivial matter nor a trivial amount of money ; this is money I had saved up and relied on as I just moved XXXX miles across the XXXX to a new city. At this point, I am relying on their response and resolution to survive. 
To make matters worse, I was also implicitly told by a Wells Fargo banker and in the letter that was sent to me on the XXXX that I willingly did this to myself, so, therefore, I am responsible, and this is my fault. I would argue that that is not true, as willingness is contingent upon both parties consenting based on unwavering truth. Since the scammers were clearly lying, I did not WILLINGLY give my money and account information to them. 
Because this scam rested upon the fact that Wells Fargos customer service number is easily spoofed, this seems to be a problem the bank needs to be responsible for, as Im sure they know because they have insurance to cover scams like this. I was never contacted by the real Wells Fargo during the scamming or before these transfers were made ; nothing was done to try and prevent this scam. Nothing has been done since, and apparently, scammers can still easily spoof the Wells Fargo phone #, which seems to be an issue the bank needs to resolve, as this is the ONLY number present on the back of each debit card. 
In the end, the bank possesses the necessary means to assist me, and it is imperative that I see the return of this money.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (HI)

I received a letter on XX/XX/2023 from Wells Fargo saying they will close my account because I use a registered agent. 

I don't believe this is fair nor legal. I would like to see the terms and conditions of my checking account where it shows they XXXX do this.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

These events occurred between XXXX XXXX XX/XX/XXXX. In desperate need of an apartment for college, I fell into a scammer who posted his place on XXXX He reached out to me via email on XX/XX/XXXX and then we later transitioned to talking through messages. Everything went well until I visited his place on XX/XX/XXXX to find out that it was occupied by other tenants. I sent a total of {$1300.00} to the people who were apparently working for him. {$200.00} plus an additional {$300.00} went to this XXXX user who is now unenrolled from the app, XXXX on XX/XX/XXXX as the scammer promised to send out the keys so my mom and I can view it but later cancelled it and further having {$800.00} sent to this user with the number, XXXX on XX/XX/XXXX because he said that {$1300.00} is what would be needed to guarantee arrival for the keys. The scammer who I was initially talking to posed himself as XXXX XXXX and even provided a picture of his ID. I have issued a claim to my bank, Wells Fargo, on XX/XX/XXXX but was denied due to it being an authorized transaction. If I had known this was the result, I would not have fallen for it.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

There are accounts opened up under my middle name I seen for XXXX which I asked them about. When I opened my account XXXX as XXXX. I received funds to my account and {$2600.00} was took out my account and also they closed off my account which I had no access too. I also sent everything in but instead they just shut me out even going to the branch. After a few weeks went by they closed my account without returning my money to the account. I was sent a mediation form by them and filed it out and never got anything
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (VA)

Discover card sent me a emails saying they were monitoring my credit, oh I thought that was great no the case it was a bait and switch, I went to discover card web site discover card check to see if Im prequalified for a secured credit card, and I was approved, I quickly exited from discover card website. Then received letter in the mail demanding the I send my federal taxes records to discover card and if I didnt discover card would contact the internal Revenue Service XXXX discover card sent me a credit card in the mail which I dispose of a new trashcan, I never wanted or requested a card from discover card.called 3 times discover card said if you dont send your federal taxes records in they would contact the IRS and place on my credit report which discover card did I want it removed from my credit report.
Consumer complaint received 2022-08-04
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. (CA)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found the account that was not mine. This account have never been opened by me or with my permission. I need your assistance to stop this account from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any account mentioned in an identity theft report. To aid with the blocking of the fraudulent account that was discovered on my report, I have included some documents. 
XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2016-11-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

Contacted Wells Fargo in an attempt to cancel my escrow account for my VA backed home loan. Was told that Wells Fargo will not cancel escrow accounts on VA backed home loans like they will other standard loans and that the escrow account must be kept for the life of the loan. This will tie up thousands of dollars needlessly and is blatantly discriminatory towards US Military Veterans who take advantage of the VA backed home loan offers.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

I have deposited XXXX in Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, and when I tried to withdraw this money in the same bank in XXXX XXXX on XXXX, I was informed by the branch manager of XXXX XXXX, that this deposit couldnt be located in Wells fargo. 

Firstly the manager asked me to check with claimit.ca.gov if this money has been took by state government as unclaimed property, and I checked and there was nothing found. 

And then I also tried to call the XXXX XXXX XXXX XXXX where I made the deposit, the lady received my call and she also said she could not find my deposit because I dont have the account card. I told her that I am very sure I havent got any card when I opened new account. And she told me the original banker who received me to open the account is not anymore working in the bank so she could not help me. 

Then I tried to write e-mail of complaint to federalreserveconsumerhelp.gov, and I was replied to go to CFPB for help.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

I want my credit card canceled. Ive called them twice to do just this, and they tell me that theyd cancel it and send me notification or proof of doing so, but I havent received anything confirming the cancelation. Instead, I receive product promotions from the card.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TX)

In accordance to The Fair Credit Reporting Act the following financial institution Goldman Sachs have validated my rights to privacy by sharing my nonpublic personal information to a nonaffiliated third party. 

As a consumer I was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to any third party. As a consumer I was also not given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I deposited a check with citi bank on XX/XX/XXXX from the irs for {$1900.00}. This check was for an overpayment in taxes. I forgot to endorse the check on the back and deposited it via mobile deposit. I then received a email saying my check was on hold.I tried to log in and my log in no longer works and my accounts cant be loaded. I called citi bank that morning and was told that because it was from my old corporation XXXX XXXX XXXX and didnt endorse the back they decided to close our checking and savings account. They stated nothing could be done and that they will mail my funds in XXXX days. Ive had multiple calls since then and every time they tell me something different. Sometimes they say my funds will be mailed in 5-7 days, last time they said they would hold it for up to 1 year, and today they tell me its 30-60 days. Im absolutely sick to my stomach with the lack of communication on citi banks end. Not a single staff member I spoke with was able to explain whats going on. It seems as though they are all confused and make me wait while they see whats going on. I received no call or notice and nothing in the mail as of today XX/XX/XXXX and neither has my wife. This was a joint account. I was laid off this last week and my funds are still held. I can not believe they get to operate like this. The lack of communication within the company, their communication with me and every single thing about this bank is horrible.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Cash advance — 
Company: CITIBANK, N.A. (VA)

I purchased a gift card to XXXX XXXX XXXX through XXXX and the purchase came up as a cash advance with my card issuer, Citi. I called Citi to let them know what the purchase was for and how the purchase of a gift card to a specific merchant does not qualify as a cash advance under not only their listing of what a cash advance is, but also any general definition i could find online. They continued to read a script throughout the discussion and never took into account the fact that maybe they rang up the transaction incorrectly. Since this was a purchase made via XXXX, i had a representative from XXXX on the line who informed me the transaction was listed on their end as a goods and services transaction. Because of the mixup on Citi 's end, i was charged {$12.00} in fees and missed out on {$4.00} in rewards, given the 2 % rewards on my card.