davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (TN)

Account is reported on my credit reports and is not mine asked for validation of debt and there has been nothing provided other then copies of statements which doesnt validate this debt as mine XXXX XXXX XXXX showing on reports as account number XXXX I included copy of report
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX RE : Wells Fargo Notice of disputed charge to Account # XXXX Claim # XXXX Dear CFPB, I am writing to dispute a charge of {$400.00} to our business checking account on XX/XX/2022. The charge is in error because a fraudulent service was performed on our lawn and we were a victim to a fraudulent scam. XXXX XXXX, the alleged landscaper, sprayed various chemicals on our lawn and killed our grass. We were told the lawn was properly fertilized and seeded. Instead, he sprayed toxic chemicals on our lawn, and covered the lawn with mulch and topsoil to cover the evidence. That weekend, it took two days to remove the thick mulch and topsoil on our grass to discover the lawn completely destroyed. It was yellow, brown, and black. Some spots were completely bare. 

We filed an immediate police report on XX/XX/2022 against XXXX XXXX with the XXXX XXXX Sherrif 's Department in XXXX XXXX, CA. XXXX XXXX scammed us by offering a fraudulent service as a professional landscaper. Other neighbors as well got conned and scammed. He has numerous police reports against him with the XXXX XXXX Sherrif 's Office between the dates of XXXX. My police case # XXXX. The XXXX assigned to my case is : XXXX XXXX # XXXX. I also filed a case with the Federal Trade Commission # XXXX. 

Unfortunately, we were victims of a fraud crime. This was a case of bad service, fraud, and services not rendered. We are requesting our payment to XXXX XXXX be refunded back to XXXX based on fraud. 

On XX/XX/2022, I filed a fraud case with our bank, Wells Fargo, within 10 days. Nobody from Wells Fargo called me, emailed me, texted me, or sent me a letter in the mail regarding my case. They did not know any details regarding my case. However, on XX/XX/2022, I was send a letter from Wells Fargo declining my fraud claim. Wells Fargo states on their website they research fraud claims. This was false in our case. We have been customers for over 25 years to Wells Fargo and have never filed one fraud case. We take fraud very seriously and would only file a fraudulent claim if it were 100 % true and accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2022-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

Hi, I contacted Nelnet last Wednesday ( XX/XX/XXXX ) to ask my request for a refund that was made during the Covid forbearance. They keep saying my refund request is still processing, but not giving me any detailed information about that. It's been almost five weeks since I first contacted for a refund ( XX/XX/XXXX ) but still no updates on everything.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Equifax has been reporting my XXXXXXXX XXXX as closed which has dropped my credit score. XXXX and XXXX are reporting correctly. XXXX has resent the reporting status and still not resolved by Equifax. Getting through to Equifax on the phone is futile. They show closed in XXXX. The loan was not sold and Equifax should reporting on time for every month since then and show the account open.
Consumer complaint received 2022-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

Rocket Mortgage is refusing to remove PMI ( {$100.00} ) even though theyve agreed that my mortgage balance is less than 80 % of the appraised value. I called company on XX/XX/XXXX, the staff member initially told me the PMI should be taken off, then another staff said her manager told her that the investors will not allow it be removed until XX/XX/XXXX. Pls note that a mortgage finance review person told me that the PMI will be removed if I refinance. Once I said no, Rocket Mortgage is not interested in doing what is lawful. Ive paid over {$20000.00} off my loan since XX/XX/XXXX, Im XXXX, XXXX parent who wants to own my home outright in the near future, and wasting $ on PMI is a negative factor. Rocket Mortgage is taking advantage of a customer. Please help look out for my interests
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

Hello, I recently had my FedLoan account transferred to XXXX after absolutely no communication or warning. This was after I requested a refund to my account, and now neither company is able to give me concrete answers on when I will be able to get this refund and WHERE the refund will be going, since XXXX has not been able to transfer accounts yet and I can not log in. 
This is unacceptable due to lack of communication or any direction whatsoever. If the refund is not processed in time, interest will start accruing at the hands of these companies who handled this situation at the worst possible time, seemingly intentionally. FedLoan has been an incredibly difficult company to work with. Those who are dealing with this situation do not know what their future financial situation with this will be whatsoever.

I can not even provide account number information because it is completely gone from FedLoan 's website.
Consumer complaint received 2022-07-04
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. (TX)

I have sent letters to XXXX, XXXX, and Equifax to verify the accounts thats showing on my credit report as negative. I have no knowledge of the accounts and every request has came back verified without a proper investigation. I asked for dates, balances, and signed contracts. I have haven't received any proper verification that the accounts belong to me. The accounts don't match up and some are all there with the same account number twice but a different balance. I'm just asking for a veritication for the following accounts listed. 

XXXX XXXX  Acc # XXXXXXXX XXXX Acc # XXXX XXXX Acc # XXXX Equifax XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX If after any reinvestigation under paragraph ( i ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2022-07-04
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed the account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block this quickly. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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. (TX)

I would like to place a formal complaint against for violating Equifax my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX - XXXX XXXX Bankruptcy - XXXX # XXXX. I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items is a clear violation : XXXX XXXX XXXX XXXX XXXX Bankruptcy - Reference # XXXX Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. They are unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Consumer complaint received 2022-09-23
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and I did not give any written or oral instructions to do so.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-23
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)

In accordance with the Fair Credit Reporting act XXXX  accounts XXXX XXXX # XXXX 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 2022-08-23
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. (SC)

I mailed a letter to Equifax about a debt showing on my credit report. The debt is from XXXX XXXX XXXX, original creditor, XXXX XXXX, in the amount of {$88.00}. 

I provided a copy of their credit report, along with the receipt showing the debt was paid. Equifax failed to respond to my letter, and they failed to remove the debt from my credit report.
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (CA)

Re Ally Bank. Matured Prior to XXXX {$52000.00} CD a/c No XXXX Phone calls were made to Ally in early XXXX my for funds to be received in a timely manner. 

Ally Bank have completely ignored my requests to send my funds. They created numerous ridiculous demands, such as, verification 's, needed to send my funds. 
Sent many repeated, ( 30 to 40 ) faxes over approx. 3 months. They used bully tactics in not sending my funds in timely manner, thus causing unnecessary and induced stress. 

Compensation request. 
Loss of interest caused by Ally time lag. Could have invested the funds in timely manner and received approx 3 % to $ 4 % on my funds. 

Many hours spent on the phone with Ally Bank. 
On hold -Cut off- more verification over and over with different bank employees. No help at all received. 
Wire transmission was agreed by Ally to be No Charge. 
Penalty charge to be returned to me for all of the inappropriate runaround that tAlly have forced upon me. 
They further forced me to create an online a/c when my money has been invested with them for years. More bully tactics, for time stalling wrongful illegitimate practices. 

Ally Bank ( this week ) wrongfully renewed my CD, after I provided Ally many, numerous instructions to wire my money, without further delay to me. Ally proceeded wrongfully against my instructions, by investing my funds for a further year, till XX/XX/XXXX. Bad, bad state of affairs., after 3 months approx. of asking for my money to be sent to me.. 
As of today I have not received my funds XXXX XXXX.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I tried to obtain a copy of my credit report from Equifax. Apparently, the information they have does not correspond to me in any way. Security questions seem to imply that they are referring to someone else. As a result, I am unable to receive a copy of my report.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I am a college student and I opened a bank account at chase bank. I tried to send money to a friend to get a book for me and it stopped the transaction and locked me out of my account and said that the account had been locked due to suspicious activities. I went to the bank to ask about it and they just told me they were sorry but they have to close my account and would send me the money through a check. They basically left me with no funds or a way to get funds in a new country.
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX Collections, XX/XX/XXXX, acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Ive been a Citibank customer for over 2 years and keep a personal checking account and multiple business accounts with Citibank. I visit the XXXX XXXX XXXX branch on a weekly basis and everyone there knows me on a first name basis. Ive had millions in deposits and withdrawals over this time period. On XX/XX/2022. Citibank blocked and closed my Checking Account Number : XXXX and sent me the following letter : Dear XXXX XXXX, We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending XXXX. 

Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank, pursuant to the terms of the Citibank XXXX XXXX XXXX Accounts. Your account ( s ) are not restricted from any debits and certain credits ( including debit card purchases ) and will be closed within XXXX days from the date of this letter. 

There is a balance of XXXX in the account. 

I was originally told 15 days in branch and by the representative when I called the customer service hotline that day. Its now been more then 15 days since XX/XX/2022. I can not wait 60 days for the return of my funds and would like Citibank to immediately close my account down and issue me the cashiers check and formally file a complaint about this. 

Why is Citibank holding my money for 60 days?? The original timeline of 15 Days was annoying but acceptable. 60 Days is absolutely unacceptable and criminal. Im probably not the only person this is happening to and Citibank is probably making tens of millions of dollars holding the funds from blocked accounts set for closure for 60 days. 

I implore the OCC to please reach out to Citibank on my behalf and help resolve this issue to get Citibank to immediately close down my account and allow me to pick up my funds in a cashiers check in branch or have the check mailed to my address without any further delays. 

All the best, XXXX XXXX
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I paid Snycrony off for XXXX XXXX ( flooring ) ; promotional amount et al.via XXXX payments on the same day. Unaware they cancelled my second payment, I focused on the other damages/ payments to my home as a result of this service/ situation ( " termites '' / XXXX )/ they'd already exposed my home and I was expecting at the time/ had to finish ). They then began writing and calling just past the point of fixing this equitably and charged the promotional interest. Speaking to several " agents '' since they've admitted canceling and causing this issue but will not reverse/ remove all bogus interest charges despitetryingtogo throughtheir mediation process and being out of work. So far, I have only been routed through an XXXX call center. I'm not confident this isn't a scam, even on behave of Syncrony. They supposedly have a file and recordings admitting fault. I don't have additional money for bogus charges, as I had to repai my home after exposure, I'm still getting treatment for termites, and still sick from XXXX symptoms and not recovered financially, etc.
Consumer complaint received 2022-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I have two vehicle loans with Chase Auto : account # XXXX for a XXXX XXXX and account # XXXX for a XXXX XXXX. The Chase payment history on both account shows no payments credited after XX/XX/2022. As off XXXX XX/XX/2022, I have been given notice of loan acceleration regarding account # XXXX that the full loan balance is due or the vehicle will be repossessed. Phone communication with Chase has been frustratingly unproductive as they are uninterested in doing more than transferring me to another department that either ends up with a dropped call or a call that goes unanswered and they only want to know the location of the vehicles. 

Chase has act # XXXX past due by {$2000.00} and act # XXXX past due by {$4100.00}. 

I have bank statements and checks documenting payments leaving my account and going to Chase bank. None of these payments have been reflected on my account. The payments are as follows : XX/XX/XXXX - act # XXXX in the amount of {$490.00} XX/XX/XXXX - act # XXXX in the amount of {$940.00} XXXX XXXX - act # XXXX XXXX  # XXXX in the amount of {$1800.00} XX/XX/XXXX - act # XXXX in the amount of {$1000.00} XX/XX/XXXX - act # XXXX in the amount of {$940.00} XX/XX/XXXX - Act # XXXX XXXX  # XXXX in the amount of {$490.00} XX/XX/XXXX - Act # XXXX XXXX  # XXXX in the amount of {$940.00} I have attached my bank statements from XXXX - XXXX with unrelated information blacked out as well as images of the checks. 

Chase has also reported to the credit bureaus causing a significant negative impact to my credit score. 

I don't know if someone in their organization refused to credit the payments and pocketed the money or what, but its a very shady business practice. 

I have also filed a complaint with the XXXX XXXX XXXX ( # XXXX ) and will be filing a complaint with the Credit Bureau 's regarding this fraudulent behavior from Chase. 

I can only hope that this situation is an anomaly and other customers of Chase have not also suffered from this unprofessional business practice. 

Respectfully, XXXX XXXX XXXX