davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (MA)

Complaint Against : Wells Fargo XXXX Wells Fargo Home Mortgage XXXX XXXX, IA XXXX Re : Purported Loan # XXXX Wells  sent the following : As a result of at least one bankruptcy case filing that included the below referenced account, Wells Fargo Home Mortgage is NOT attempting in any way to violate any provision of the United States Bankruptcy Code or to collect a debt ( deficiency or otherwise ) from any customer ( s ) who is impacted by an active bankruptcy case or has received a discharge, where the account was not otherwise reaffirmed or accepted from discharge. THIS IS NOT A BILL OR A REQUEST FOR PAYMENT AS TO THESE CUSTOMERS. However, that is exactly what they are doing. 

My loan was not transferred to Wells Fargo at any time, and therefor, I have no idea why you are even involved with my loan. My Note is not with Wells Fargo. My Note never transferred to Wells Fargo. My Note was not an asset that was included in the purchase / merger between Wachovia and Wells Fargo.My Note is with World Savings Bank and has always been with World Savings Bank. The evidence is that my Note is a non-negotiable note and can never transfer from World Savings to Wachovia XXXX XXXX If there was a transfer of my Note, as a non-negotiable note, a specific indorsement is required and it will not be transferred by possession alone. 

The Party with the perfected lien on the property was then and is now World Savings Bank XXXX. There is no evidence of a transfer of the mortgage ; and no assignments of any kind are recorded. Wachovia " merged '' with the purchase of stock by Wells Fargo XXXX, the connection between Wells and Wachovia is a PURCHASE by Wells holding company 's corporate office with the holding company of Wachovia and was subject to the North Carolina Bulk Sales Act at the time. 

Be aware, this loan was discharged against the borrower in a XXXX  XXXX Bankruptcy. As there are no payments required to be made by the borrower, there can never be a payment default by the borrower ever again. This would be an actionable event by the borrower against Wells that is punishable by up to {$500000.00} in fines and jail time to representatives from Wells Fargo for violating the Bankruptcy Discharge Injunction. 
Wells Fargo is not now, and has never been a secured creditor on this property. 

I am waiting for complete acknowledement of this communication within the 30 day required time frame.During this time, please refrain from any requests for payment or expectation of collection of the collateral that belongs to World Savings Bank
Consumer complaint received 2016-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC (AZ)

I just wrote up a XXXX description and it is now ALL GONE!!!!! THANKS!! I really appreciate wasting my time on writing information you request, and when I continue, there is pop ups, then I close them, and now the page goes somewhere, I go back and have to start all over!!! 

I will be brief, since I wasted my time already. 
I am being harassed by Educational Computer Systems , Inc. ( ECSI ). Upon getting numerous postal mail, I sent a certified letter to them telling them to resolve the situation to take me to court. Otherwise and more correspondence would be an act of aggressive harassment. Which they have had done a few times. I told the I do not owe ANY money and that I can prove, instead I get the attitude when I called that they are the " FEDERAL GOVERNMENT '' and that I have to pay, because that 's what it says on a piece of paper or computer screen. I know the federal government is bunch of basket cases, ( whole reason why I have to write this ) and very incompetent as well. With this being said, there is other debt from the student loan that I do not owe money and can prove it. However, it goes on deaf ears and I am suffering the consequence of the perfect example of incompetence in the workplace. 
Furthermore, if you look at the attach document of " Statement of Account ''. If someone with half a brain that understand how XXXX, then why did a senator not see it, when I bluntly told him? It states right on there, {$550.00} for XXXX or {$330.00} for XXXX credit hours. I show credit hours of XXXX! Nonetheless, $ XXXX $ XXXX {$880.00}. Now in reality, I should have been paying {$330.00} for the XXXX credit hours at {$3900.00}. Instead I owe {$6300.00} and an additional {$360.00}, in order to continue! 
You have had time to look over these documents. YOU, meaning the GOVERNMENT! I even went as far as contacting the FBI, but still since I am one person, I am disregarded!
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I sold my phone through market place on XXXX and the buyer scammed me. He pretended to set up the payment process through XXXX pay because it was more legitimate than others and more secure. I had never used XXXX XXXX and he was aware of that and that I wasnt familiar with the process. I got an email starting the process saying I had to ship the phone first and email them with the tracking number. The buyer got an email saying he had to deposit {$300.00} first to make my XXXX pay a business account to receive the payment. He did that and got them refunded and even sent me a confirmation email. I started getting sketchy emails requesting more money for verification and government approval. The emails seemed odd but I had never done any of this. I couldnt contact XXXX or XXXX marketplace to further investigate. What made me do the process is that he sent me a screenshot of the refund process from the same email I was getting them. I sent a total of {$500.00} through zelle and my bank wont give them back. I never got the {$350.00} for the phone. I couldnt contact anyone about this other than my bank and police who wont do anything about it
Consumer complaint received 2022-09-14
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. (GA)

In accordance with the Fair Credit Reporting act : : XXXX XXXX INQUIRY DATE XX/XX/2020, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX US DEPT ED acct # XXXX XXXX XXXX US DEPT ED acct # XXXX, XXXX XXXX DEPTEDXXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX, DEPTEDXXXX acct # XXXX FRAUD REMOVE has violated my rights. 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
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022, an unauthorized person from Arizona withdrew {$2000.00} from my bank account. I didnt know this until I checked my online account. The unauthorized person somehow was able to change my email and address and open a few debit cards. The bank invested it and denied my claim.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (TX)

Hello my name is XXXX XXXX I am writing this complaint because I was trying to get a refund for my XXXX XXXX account ended up getting sent to a weird customer service to where they try to get my bank card information in my personal information they ended up getting ahold of it in a try to debit my account for {$600.00} {$990.00} On 2 separate transactions and the Remitly Is the company that he was using I have the actual receipts which I will send you a copy of the pictures snapshots of it I did not give him authorization whatsoever he completely lied to me it was completely botched and I had to cancel my debit card and file a report through fraud through XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/2022, I sent an international wire to a XXXX Real Estate agency ( XXXX XXXX XXXX ) for a rental in XXXX. I had seen the place, met the parties, received the wire instructions over encrypted email, confirmed the wire instructions over the phone and sent two initial wires ( XXXX XXXX and XXXX XXXX ) through Chase.com. Both of these wires were rejected, but I called their service desks after both times, they said they took notes ( notes on the information above ) and that I should resubmit and it should go through. 

Since online did not work, I went to a physical Chase branch on XX/XX/XXXX and submitted the wire through one of their bankers. They entered the wire information, I confirmed and at XXXX XXXX the wire was accepted ( acceptance was confirmed via email ). The timeline given for the international wire was 3 to 5 business days. 

On XX/XX/XXXX, when I am ready to pick up keys for the place the Real Estate agency informed me that the wire still had not came through. I called Chase, and they did say because Monday was a holiday ( in both XXXX and XXXX ) that the XXXX was the 5th business day and wait until tomorrow. 

Nothing came through the XXXX. Since then I have called ( or secured message them ) every business day XXXX, XXXX, XXXX, and today. The XXXX and XXXX they said it was sent ( but the receiving bank never received it ). The XXXX they mentioned it was rejected ( however, the funds have never bounced bank ), but then I was elevated to the wire department and they said it was accepted. They then forwarded me on to the wire research team and said they would get back to me within the day ( the XXXX ), but at the end of the day today ( and after following up with them ) they still have not responded. 

The receiving Real Estate agency has been in contact with me every day checking and nothing has came through. I have confirmed all of the information multiple times ( from what is showing up in my online statements, and the paperwork given to me at the bank when the wire was placed ) and all the numbers and names are good. I have sent the Real Estate agency pictures of these documents and they have confirmed everything looks good.
Consumer complaint received 2017-10-09
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. (MI)

I had a credit card that was charged off in XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XXXX. A correction was requested on several occasions but the same information is being updated.
Consumer complaint received 2018-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. Never authorized credit report usage 2. Don't recognized 3. Not associated with an open authorized account Inquiry details XXXX XXXX from XX/XX/2018 2018
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

In XX/XX/XXXX and XX/XX/XXXX, I sent written correspondence to National Credit Systems as well as their attorney via registered mail informing them of my correct address and asking for verification of the debt. TO DATE, I have yet to receive any verification of the debt or any written correspondence at all. Today, XX/XX/XXXX, I contacted National Credit Systems successfully after many unsuccessful attempts and was treated with complete contempt, despite all of my attempts to be professional. I was put on hold abruptly on many occasions and given excuses about there being phone issues, " a skeleton crew, '' and I was barely able to understand what was being said because the phone lines kept cutting out on the other end. I could n't even get my full account number and was told hastily by XXXX that " he 'd get back to that. '' I informed XXXX that in the six-seven months since my written correspondence had been sent to NCS, I had received nothing in return, despite multiple letters that I had sent and confirmed delivery of, via USPS. XXXX intimated that perhaps I had not provided NCS with the correct address, although I did provide them with the correct address and have received all mail from that address and continue to do so to date. I updated NCS with my current address even though XXXX implied that I should give them a better address. I will continue to send written correspondence to NCS as well as to the credit bureaus asking that this debt be removed since NCS has been unable and unwilling to do anything other than state that their " computer systems '' show that they are sending correspondence back to me, none of which I have received.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (AZ)

Never received written verification of debt called repeatedly ring twice hung up violated fair debt act they will not work with you all they want to do is garnish your wages there above the law judge don't care they violated the fair debt act.
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

In XXXX 2015 i disputed through this portal the false reporting made by XXXX XXXX XXXX during my chapter XXXX bankruptcy.I spoke with a representative from Experian and she said that after being contacted by the cfpb.She did not know which account was being disputed so she contacted XXXX and they told her to delete them all.Yet on my credit report the negative XXXX is still there and she deleted XXXX closed positive accounts and shrunk my credit history by 20 years.This has also happened on my XXXX report.I am entitled by federal law to an accurate and fair report.So how can my reports be either accurate or fair if they are allowed to delete accounts that are not in dispute.They are supposed to do a reasonable investigation, it is not reasonable that i would be disputing my closed positive accounts.She informed me that i would have to get them to report them again.That is not reasonable because they are closed accounts that were deleted before their expiration date.So i guess now its not safe to dispute through the CFPB PORTAL.
Consumer complaint received 2022-09-14
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: Nelnet, Inc. (CA)

Hard Inquiries : 1- XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account.

2- DEPARTMENT OF EDUCATION- was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX - I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX -I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. 

- Thank you.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NM)

I was given a vanilla gift card from a client and when I attempted to use it, almost the entire balance was gone, for a total of {$190.00} missing from a purchase that I did not make. I contacted the company and filed a dispute on XX/XX/22. I was told that I would be contacted within 60 days, I have called and email multiple times because it is far beyond 60 days but no one has responded to me or contacted me.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (FL)

I reported an unauthorized payment to my PayPal debit card dated XXXX XXXX, XXXX in the amount of {$120.00} described as XXXX. 

My card was compromised and was issued a new card. 

On XXXX XXXX, Refund was issued for {$120.00}. 

On XXXX XXXX XXXX, Refund reversal was issued claiming PayPal was not able to resolve the issue with the vendor and regardless I was still responsible for the " Payout of buyer spoof unauthorized '' as the reason they provided. Also explained the refund issued on XXXX XXXX is only temporary but was not disclosed at time of credit issuance.
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

Account number XXXX XX/XX/XXXX ( 4 ) phone calls to Hyundai Finance ( Option 4 ) Talked with XXXX who directed me to pay off the total amount on online. 
Submitted a one time payment of {$11000.00} ( Confirmation number XXXX ) as well as the exact odometer reading for the car ( XXXX ). 
Was told by XXXX to call back next day, that payment would clear they could release title to he sent in 7-10 days. 
XX/XX/XXXX ( 1 ) Phone call made to Hyundai Finance ( Option 4 ). Spoke with ( unknown ) and informed it could take up to 1-2 days. Was asked to update my address to my current address XX/XX/XXXX {$11000.00} was taken out of my bank account so proceeded to call to have title released. 
Spoke with someone ( unknown ) who stated I owe an additional {$160.00} due to the change in address ( questionable, but emergency to receive title in time so paid ). Confirmed they received the {$11000.00} but was still pending s XX/XX/XXXX ( XXXX ) Phone call made to Hyundai Finance ( Option 4 ) Calling because now the amount of {$160.00} was taken out of my bank account. 
Got transferred to customer service at that point told me that the money still not applied but all of my paperwork is submitted, and now this will take 7-10 additional days. 
XX/XX/XXXX - informed me that the in-house process will take between 30-60 days to apply the amount paid on XX/XX/2022 & XX/XX/2022. asked for supervisor who said he put priority but unwilling to tell me how long it will take. 
XX/XX/XXXX - customer service said XXXX still owed. Transferred to lease end who said they see both payments but not released, transferred to lease end who said requested to close account an additional XXXX days before can be processed. 

Was told would have title in hand in 10 business days. Paid nearly $ XXXX online and now told you to two months. Had a buyer lined up for car, now Im not able to sell because they keep promising different dates. Moving out of state XX/XX/XXXX. Read reviews online, and this is what they do. It is so important I get the title in hand when promised. My family and I have completely packed up everything we have and depended on getting the title in hand to be able to sell the car and get out to our new home on the XXXX XXXX to be there for my mothers end of life. It is extremely disturbing that there are promises made to customers which we depend on.. in this case, family and I will not only miss saying goodbye to my mother, but my family and I could end up homeless without a place to stay, and down $ XXXX. My bank has confirmed they accepted the payment.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NC)

On XXXX XXXX XXXX  Charles Schwab sent me a letter saying they decided to close my account. After numerous phone calls they refuse to provide any information as to why. They did so abruptly without any notice causing direct deposits into my account to be blocked, causing me a lot of financial problems. I was a customer for over a decade.
Consumer complaint received 2022-09-14
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. (NJ)

I disputed account : XXXXXXXX XXXX XXXX Account # XXXX {$1100.00} Reported on Equifax ONLY and XXXXXXXX XXXX Account # XXXX {$110.00} Reported on XXXX ONLY Several times. I have NEVER lived at these addresses and this is fraud. After several disputes and myself contacting the company directly the company STILL refuses to send me any information about this account or the debt. Whenever I call they say they are processing this request. How long does it take to process a request more than 6 months, because I have been waiting since the beginning of XXXX for this proof and at this point my credit is suffering because the original creditor is still processing my request to send me any type of information in regards to this debt. Please Delete this account from my Equifax credit report IMMEDIATELY. It should NOT take 9 months to process a request to send me information. The mailing system is NOT that Delayed.
Consumer complaint received 2022-09-14
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. (TX)

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

Equifax is govern by 15USC1681 and they violated my rights numerous of times. I demand account listed below to be removed because according to the 15USC 1681 : I have the right to privacy & I did not give Equifax written permission to furnish this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-04-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DISCOVER BANK (OH)

Today is XX/XX/2016. Approximately 2 weeks ago a Discover card debt collector contacted my father at his home looking for me. Which made no sense since discover had my contact info and had been speaking with me. They told my father that they were trying to reach me. They also said that I was behind on my payments by XXXX and that I owed a total amount of ( I am unsure what the total was at that time ). My father told them I did n't live there and never have and to not contact him again. I have not spoken to my father in almost XXXX yrs. Discover had no business giving out my personal info. They did however leave a contact number, ( XXXX ) XXXX, which is a Discover card number.