davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (WA)

My social security number was used to open a XXXX XXXX account in XX/XX/XXXX, using a different lat name than mine. XXXX  put the account to collections with XXXX XXXX XXXX ( ERC ). 

After finding the item on my credit report in XX/XX/XXXX, I filed an identity fraud claim with XXXX, including a fraud affidavit, bank statements from XX/XX/XXXX, and my driver 's license. 

XXXX  confirmed in writing that this was identity fraud later in XX/XX/XXXX. 

I contacted ERC and they agreed that the report was in error and said it would be removed from my credit report within 45 days. 

It has been 4 months the item is still on my XXXX  and XXXX XXXX credit reports and substantially affecting my ability to get credit.
Consumer complaint received 2022-09-27
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. (NV)

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged theft. 
XXXX A XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Hello my name is XXXX XXXX. On XXXX XXXX I received a text message from the chase fraud team stating there was a {$490.00} transaction at a XXXX XXXX XXXX in XXXX Florida. I live in Michigan so I was nowhere near XXXX. I immediately responded to the text message by answering NO. I than received a reply saying I will be contacted soon. I received a called from XXXX. The person on the other end states they were a supervisor at the chase fraud department. They said that there were multiple transactions another one for {$9900.00} and 2 wire transfers for {$50000.00}. The person on the other end stated his name was XXXX XXXX. He told me and explained to me that he wanted to REVERSE the transactions and took me step by step on how to do it. He than asked me to provide him with the one time code twice because it was sent to me. The phone call lasted for over a hour while he was trying to REVERSE the money. He than said he will call me on XXXX XXXX. Which was a Saturday we talked for a few mins and I was advised that XXXX get a call back. On Monday XXXX XXXX. I received a call again but while I was on the phone I noticed money coming out of my account since I sign in daily on my mobile app. Than I received a call from THE CHASE FRAUD DEPARTMENT saying to hang up and that there is unusual stuff happening in my account. I immediately hung up on the other person. I than went into a chase branch closed my personal account my personal savings and personal business. I filed a affidavit and a police report in the next two days. I waited for about a week just to get a message from chase saying that I was at fault for providing the CALLER the ONE TIME CODES I explained to them that I was clearly scammed. It showed exactly to whom the money was wired and into which banks and the chase fraud department still blamed me. In other words the easiest thing is to always blame the client since they cant CATCH the criminals doing this. I am confused lost at words. Not sure what to do. A {$100000.00} gone in minutes. I explained to them since they blamed me how come they didnt NOTICE anything unusual on time. They couldnt answer me. I dont explained to them that I just want my money back. My hard working money that Ive been saving all my life. In other words theyre blaming me while rewarding the criminal. Its funny because if I was to go into a branch to ask for {$5000.00} of my money .They would ask me a ton of questions but they wont even notice a wire fraud and reward a criminal within minutes with everything Ive ever saved. Please help me someway somehow if possible. I am really at a point where I dont know what to do anymore. I did everything that was asked of me and Im still being blamed for everything.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2021-01-10
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: JPMORGAN CHASE & CO. (IL)

Placed an order with XXXX using my Chase Freedom card. Both items in the order did not arrive to me and tracking shows that one item was never picked up by XXXX and the other tracking shows that the item was returned to sender. 

Chase closed the dispute as in the sellers ( XXXX ) favor, despite both of the tracking numbers very clearly showing that neither of the two items in the order were delivered to me. How such a gross overlook of common information is allowed I dont understand - but the dispute department at Chase isnt even reachable over the weekends which is frustrating as I cant even reach someone on phone who can help.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MI)

I used Ally bank to submit an ACH pull from XXXX XXXX in early XXXX in the amount of {$1000.00}. The money was withdrawn from XXXX XXXX on XXXX. On XXXX, Ally suspended all my external accounts and told me they were keeping the money ( XXXX transfers of over {$8000.00} ) until I could prove I owned the external accounts. I did, and I was then advised I needed to file a dispute with each individual external bank to get the money returned and Ally could not help me. 


I filed all complaints and all money has been returned except XXXX XXXX. XXXX XXXX asked me to complete a complaint form and fax that back. I did. I contacted them about a dozen times and today, they told me the complaint was resolved but were not sure why the money had not been returned. I was transferred XXXX, yes XXXX times between the SAME XXXX DEPARTMENTS over the course of XXXX minutes, most of which I spend on hold for each transfer. I asked for a supervisor in the fraud department on the second to last transfer who initiated another transfer back to personal banking. I asked to be connected to the personal banking supervisor and was told they had my info and were ready to answer and assist. I was transferred to their voicemail and have not received a call back. Every time I call, I spend around a half hour on hold and then get transferred. I've already invested XXXX hours of my time trying to correct their mistake. I don't have any more time. I need help or I will have to file lawsuits so I can talk to someone face to face in my hometown courthouse. 

I have contacted Ally through phone, chat and even dealt with their executive customer support/relations team. They are not returning my call, but did admit it was their fault and they had experienced significant errors and apologized for it. XXXX from the Deposit ECR team said she would contact me on XXXX and did not do so. I left messages on XXXX and XXXX and have not been called back. 

Since this has occured, Ally has suspended all my external accounts on XXXX separate occasions. I showed proof of ownership to get them back. Then I had to call and get the rest unlocked again after they were still suspended. Now after talking with XXXX, they are all suspended again. I have no idea why and every time I talk to loss prevention department, it takes a half hour and they tell me a different story every time, even if I call the same day about the same issue. 

They have also restricted my ability to transfer money. Transfers now take longer and I can't even use XXXX. XXXX is supposed to be immediate or same day, but Ally won't deliver any XXXX money for a week because of my account suspensions -- that aren't my fault
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I noticed a large transaction that was not authorized and immediately contacted Wells Fargo Bank. They said I could file a claim and/or contact merchant. I did both. XXXX provided all of the information which can be found below. They said they are unable to make a refund that I had to call the bank. They did however prevent the order from being delivered to the person who stole my information. I let them know it was fraud and gathered the information. I waited 5 business days to call back as told by Wells Fargo and was told that my claim was denied. I included 4 other smaller transactions on this claim which were also denied. 

Date of transaction : XX/XX/XXXX Company : XXXX Amount : {$420.00} Order number : XXXX Address of where item was shipped to : XXXX XXXX  XXXX XXXX XXXX. XXXX, FL XXXX The other transactions are not my focus right now. They were XXXX and XXXX dollar transactions.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MT)

I submitted an application for the Housing Rehabilitation Deferred Loan Program. My credit report was obtained from Factual Data Bureau Express on XXXX without authorization and credit history information used to deny me access to The Program. A property appraisal was not completed, and valuations of my homes equity never even considered. My personal data used to cause adverse harm. 
APPEALED : XXXX XXXX XXXX - Grievance XX/XX/2021 https : XXXX Timestamp XXXX : The Program makes itself available to assist 1 or 2 more properties. 
XXXX XXXX : CD staff will obtain a credit report to ESTABLISH 1 YEAR OF MORTGAGE PAYMENTS. Staff used my credit report to take adverse action. 
XXXX XXXX : Clap of hands, seconded peace signs, and thank you. 
APPEALED : Billings City Council Meeting - Appeal XX/XX/2021 https : XXXX Timestamp XXXX - XXXX : Agenda Item XXXX Confirmed Breach of XXXX Privacy Pattern of Practice - Community Planning Board Meeting-XXXX XXXX, XXXX https : XXXX? XXXX XXXX XXXX : The Program is available to assist 1 or 2 more properties. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  https : XXXX Timestamp XXXX : The Program is available to assist 1 or 2 more properties. 
XXXX XXXX XXXX XXXX XXXX Meeting-XXXX  XXXX, XXXX  https : XXXX Timestamp XXXX : The Program is available to assist 1 or 2 more properties. 
XXXX XXXX XXXX XXXX Board XXXX XXXX, XXXX  https : XXXX Timestamp XXXX : Use of funds-The Program no longer available.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (GA)

I did a cash-out refinance with Loan Depot. From the get go, the loan officer broke the law. He and I had simply discussed some numbers, and I said that it sounded good. He tried to take my appraisal payment right then and there, before I ever saw the numbers on paper and gave my intent to proceed.

The first problem was that the " lender credits '' he promised me were no where close to what was actually given to me. He told me repeatedly that the appraisal was going to be refunded to me. It was not, and I was made out to be the XXXX that didn't understand. Meanwhile, I am a XXXX XXXX, I do this every day. I know the verbiage, I know the business, I know when someone tells me I '' m getting my appraisal fee back, vs it is POC and will reduce my cash to close.

Finally, the closing. The closing date was missed. They then sent a notary to my in-laws home in Alabama who apparently lost the deed. I then had to resign, was scheduled with two different attorneys, then was told I actually didn't have to sign. Confused, yet? So was I. It finally funded about a week later, and I was wired my cash back at closing that was {$110.00} short of the Final Closing Disclosure that I signed. They did not catch this. I caught this. Imagine what they are doing to people who are not as versed as I am in the loan process. The loan officer was garbage and a liar. The processor was ok, but still was below par. I can only imagine how many times this has happened to other people who begin to do business with them under the bait-and-switch tactics they tried on me.
Consumer complaint received 2021-02-12
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NY)

XXXX  is incorrectly reporting that NAVIENT is the owner of a student loan placed in my XXXX  consumer credit file under my personal information. 
On XX/XX/2020 XXXX  initiated a three-way recorded call between XXXX, NAVIENT and myself, in that call NAVIENT acknowledge to XXXX  and myself that they were not the owner of the debt listed under NAVIENT and stated that XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, NEW YORK XXXX at phone number XXXX was the owner of this debt. XXXX  continues to list NAVIENT as the owner of this debt in my consumer file. 
I spoke to XXXX of XXXX XXXX at the phone number provided and she said that they do not have any information under my personal identification and promptly transferred me to a California phone number where I spoke with XXXX at XXXX. She stated that they did not have any information pertaining to this debt nor any debt pertaining to my name and social security number or any other personal identifying information. A second call to XXXX XXXX in California on XX/XX/2020 with XXXX confirmed again that they did not have any information pertaining to this alleged debt. 
Navient has since, sent written documentation stating that they are not the owner of any alleged student loan under my name. This document was forwarded to XXXX, XXXX  refuses to correct or delete their reporting despite the recorded phone call and direct written documentation from Navient that acknowledged that they did not own the alleged student loan. XXXX  continues to inaccurately list Navient as the owner of a student loan listed under my personal information.
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (AR)

I am a natural person I'm a living human being. 
I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be remove according to 15 USC 1681. I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

ACCOUNTSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2020 I the consumer and original creditor entered a consumer credit transaction in which I was the creditor and the seller with Wells Fargo Auto. Because there was a finance charge involved pursuant to 15 USC 1605a ( 5 ) Insurance should be included in the finance charge. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. 

Again, I entered a consumer credit transaction with Wells Fargo Auto on XX/XX/2020. I never asked or gave Wells Fargo Auto permission to send me a bill/statement. In this bill/statement were FDPCA violations, 15 USC 1692b, 15 USC 1692e ( 10 ), 15 USC 1692e ( 11 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) a and 15 USC 1692j ( a ). On XX/XX/2020, Wells Fargo Auto sent me a statement/bill of an alleged debt., with important auto-loan information stating that I received a loan. I never received a loan from Wells Fargo Auto, I only entered a consumer credit transaction with my credit card, meaning my credit card was used to originate this consumer credit transaction. Making me in fact the original creditor pursuant to 15 USC 1602g. Pursuant to 15 USC 1602i the term " credit card '' means any card, plate, coupon book, or other devices existing for the purpose of obtaining money, property, labor, or services on credit. I used my " credit card '' to obtain this property ( automobile ).
Consumer complaint received 2022-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (AZ)

I ordered a wig from this company called XXXX hair and it arrived XX/XX/2022. I had other financial obligations that were much more important so when the XXXX XXXX arrived, I told them I refuse the package and ask if I could receive confirmation the package would be returned. The XXXX told me to take a picture, so I did. I found out it would be the same tracking number which was XXXX so I tracked it and it kept showing me that it was sitting in XXXX, AZ I knew that couldn't be right after more than two weeks. I had disputed it with PayPal Credit soon as I sent it back to make them aware. They removed it but then added it back like if I owe it. The seller XXXX hair is upset, the person I was communicating with tried to text me in XXXX, but the message disappeared, but she asks me to give her {$40.00} for shipping. This made me uncomfortable because no one ever asked me this. The seller was upset when I told her no. The seller knew that a case was opened with XXXX, and they provided another tracking number which is XXXX and case no. XXXX. I called PayPal credit and gave them this information and today when I called again, they didn't even have this information documented so I had to give it to them again. The account manager I spoke to XXXX who was pleasant advised me that they were closing it out again and I have all this proof, but they aren't trying to tell me where I can send it and they won't document it. My trust is gone with this company and others. This is through PayPal credit but the bank who has lended the credit is Synchrony Bank. I have never been told to contact Synchrony and they make it difficult who to handle this matter with, but I have reach out to both.
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

Nelnet loan servicer has lost my income-driven repayment application. The customer service representative suggested that I give a verbal application via phone call. They did not send a confirmation after the conversation was complete and my verbal application did not save to my account.