davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I provided computer consulting services for six people via the Internet. I was paid for my time and expertise with XXXX. 

To confirm that the customer was authorized to use the XXXX payment method, I requested a photo of their ATM debit card. This card 's name matches the XXXX name. 
Only the legitimate owner of an account would have the ATM debit card and online XXXX access. 
There is no chance that a thief or phisher could hold both the physical card and online access. 
The only conclusion is that the customer is fraudulently filing a chargeback. 

If there is a chance of someone stealing a debit card and then getting XXXX access, that is the negligent fault of the bank and the bank should bear the cost of the fraud due to poor security. 
Please restore the funds to my Wells Fargo account : 1. XXXX XXXX = {$990.00} ( Wells Fargo Customer ) 2. XXXX XXXX = {$500.00} ( XXXX XXXX XXXX Customer ) 3. XXXX XXXX = {$990.00} ( XXXX XXXX XXXX Customer ) 4. XXXX XXXX = {$490.00} ( XXXX  XXXX XXXX Customer ) 5. XXXX XXXX = {$1400.00} ( XXXX XXXX XXXX Customer ) 6. XXXX XXXX = {$990.00} ( XXXX XXXX XXXX Customer )
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

Our Company XXXX XXXX XXXX XXXX XXXX made 3 payments to a Subcontractor XXXX XXXX XXXX. Drawn on XXXX XXXX XXXX XXXX XXXX, 1 ) Check # XXXX datedXX/XX/XXXX amount {$4500.00} 2 ) Check # XXXX datedXX/XX/XXXX, amount {$4500.00} 3 ) Check # XXXX datedXX/XX/XXXXamount {$6000.00} Totaling {$15000.00} These 3 checks were endorsed, by XXXX  XXXX XXXX XXXX XXXX, deposited and cashed by Well Fargo Bank. 
After receiving notice from XXXX XXXX. XXXX that this company had not received payment from us, we notified XXXX XXXX XXXX XXXX XXXX  and Wells Fargo Bank, Police report was issued to XXXX XXXX Police case # XXXX on XX/XX/XXXX, We have continue requesting from the banks the reimbursement of these fund paid by XXXX XXXX XXXX, a so far after 5 month we have not received the fund from Wells Fargo Bank.
Consumer complaint received 2020-10-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

I bought a mobile home but my mobile home is not complete due to whats going on with the hurricane and the COVID-19 ... so I called that I wasnt going to be able to make my payment cause I had to quarantine ... and they said that they couldnt help me cause its a mobile home ..
Consumer complaint received 2020-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MS)

I borrowed {$8000.00} from Sallie Mae. I have paid around {$4000.00}. My loan has been sold two times and now Navient owns my student loans. Navient claims I owe over {$12000.00} on the loan. This makes no sense. I called and offered to settle the loan for {$5000.00}. Navient told me " No ''. 
Navient has created a situation where I can never pay them off. I want to completely severe ties and no longer have this scam debt. Please help me.
Consumer complaint received 2020-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MD)

I'm trying to use the XXXX XXXX and a XXXX XXXX to get a better control of my financials and they dont allow cross sharing my banking info, even though i logged in and provided all the encessary informatoon to release my information
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

This account was closed without my knowledge.I did not want it closed. I now have been notified that my limit on the card increased from {$1200.00} to now {$1700.00} which it was originally and is now open on my XXXX  report. I have attached photos of what I see.
Consumer complaint received 2020-10-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I reached out to XXXX, Equifax and XXXX  about two accounts that show different info on all 3 reports. I ask to have the two accounts validated Because I don't believe it is mine nor do i believe the account is a valid one since none of the info matches across all 3 reports.They are all failing to report accurate information which means they need to delete these account from my credit profile by law. 

Please see documents uploaded.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Back in XXXX someone went into my personal and joint account and took almost XXXX out of both. I went to the bank right away they called fraud to get my money back. They opened up a new personal and joint account however one fraud charge was told was my fault because a pin was used. So I lost XXXX which was suppose to go into my personal Account. I was told I had 2 months to pay off the negative balance. Which we have been since the fraud we have had nothing but bad things happen with the bank. So we went to open a bank account with another lender and chase is sending us to check systems which is funny because we till still have a couple of weeks to payoff. Not only have I lost XXXX after fighting now I cant open a bank somewhere else. On top that my husband card keeps getting declined even though he has money in there.you reported us to check system For no reason knowing you gave us 2 months to pay
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TN)

I attempted to make a cash deposit of XXXX to XXXX XXXX XXXX  ( who I bank with ) on XX/XX/XXXX however the ATM was out of service. I had made withdrawals at US Bank ( who I do not bank with ) before because the ATM was under the XXXX XXXX XXXX, so I assumed I could also make deposits. I made the cash deposit at US Bank instead at and received a recepit. Over the next few days, the deposit was never credited to my account. I assumed it would take a few business days so I waited. On XX/XX/XXXX, I called US Bank customer service and was told I needed to contact my own financial institution since I was not a customer there so XXXX XXXX Bank would need to start a claim with them. I contacted XXXX XXXX Bank on XX/XX/XXXX and was told they could not do anything, it was US Bank who would have to return my money from the ATM as it was their issue. I went in person to a US Bank branch on XX/XX/XXXX and the customer service representative told me they were not responsible because I was not a customer of theirs, that it would have to be my bank that would need to fix the issue. I went in person to my bank on XX/XX/XXXX and was told they would contact US Bank to try to resolve the issue. It is now XX/XX/XXXX and neither institution has fixed the problem. I just want the funds. US Bank has been extremely unprofessional. They have tried to get rid of me at every turn, simply because I am not a customer of theirs. I understand I made a mistake and I own that, but I have proof I made the deposit and they could simply verifiy with my bank that the funds were never desposited. Instead, they simply brush me off and tell me they 'ca n't do anything '. Why try to steal my money? It's just XXXX. If they are stealing that little from me I don't want to know how much they are stealing from other people!
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (LA)

I applied for a job and the job uses a certain background company and this company stated I have a XXXX XXXX XXXX in Ohio and I've never been to Ohio a day of my life let alone been XXXX. I've never been XXXX  for anything in my life and I'm just trying to get this off my record so I can start back working ASAP for the holidays.
Consumer complaint received 2021-11-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I want the extended fraud alert removed from my credit file under " XXXX XXXX ''. It his hindering to move forward with refinancing my home.
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CO)

XX/XX/XXXX {$980.00} withdrawn without my permission. 
XX/XX/XXXX{$2300.00} withdrawn without my permission One other attempt which was submitter for authorization and I detected and denied. Do not know the date but believe was in XXXX and for {$2300.00} ( Has been deleted from my statement information ).
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

On XX/XX/2020, I sent a letter to LexisNexis to dispute the validity of a bankruptcy that was reporting on my consumer file. On XX/XX/2020, LexisNexis responded to my letter and said that LexisNexis was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your LexisNexis Report The same bankruptcy was reporting to XXXX  and they removed the record from their report ( see attached documentation ). 

I have disputed the validity of the bankruptcy with both XXXX  and XXXX. Neither of the have removed the record. Furthermore, both credit bureaus said that the information was obtained from LexisNexis. XXXX  responded on XX/XX/2020 and XX/XX/2020 and XXXX responded on XX/XX/2020. If LexisNexis removed bankruptcy case number XXXX from my report, then why are they continuing to report this information to the credit bureaus. I feel that this is a violation of the Fair Credit Reporting Act. Please see the attached file for all documents that support my claims. 

I ask that you stop reporting this unverified information to XXXX  and XXXX. Furthermore, please contact XXXX  and XXXX  and have them remove this information from my credit report as it is inaccurate.
Consumer complaint received 2020-06-26
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. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : 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 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

As per Care Act, for Covid 19 hardship I called my bank to request forbearance for up to six months. My bank is Chase Bank with my loan # XXXX XXXX XXXX They denied forbearance up to six months per Cares Act and they offered 3 months only. I spoke with the Escalation Team Department at Chase Bank, by someone named XXXX, insisting that I have the right for up to 6 months forbearance. She declined my request for 6 months forbearance and offered only up to 90 days. She has violated the Cares Act rules by denying me forbearance for up 6 months. 
I would like to know my forbearance rights and file an official complain again Chase for violating federal Care Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (VA)

Hyundai Motor Finance charged my wife and I for a personal property tax and late payment fees on our leased XXXX XXXX XXXX without informing us of the tax charge. We are on autopay and pay our bills timely each month. We were never informed that there was an outstanding personal property tax charge or associated late fees. 

Today, XX/XX/2020, we learned that our credit scores were destroyed by Hyundai, which claimed to the credit bureaus that the personal property tax and late fees were delinquent. We were never made aware of the situation, via email, phone call, or regular mail. In fact, we only receive monthly emails that our autopay payment has been received. 

We reached out to Hyundai Motor Finance today to no avail. We will not be doing any further business with Hyundai when this lease is over.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (IL)

I continue to receive repeated calls on XX/XX/2020, XX/XX/2020 and XX/XX/2020, as well as earlier in the year, looking for a person that does not and never has resided at my address. They use an automated system with the option for reporting a wrong number and to be removed from the call list but that has not happened. I have contacted a live human and told them this information but the call continue. Please make the calls stop. To help expedite the processing of this, you need not contact me about it. I appreciate any help you can give to resolve this.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

XX/XX/2018 : Received email from Wells Fargo indicacting they were sending a new ATM card to me 'as a precautionary measure because your current Wells Fargo ATM card may be at risk for unauthorized transactions. 
I find this extremely curious as I have not used my ATM card at any location other than a Wells Fargo ATM machine. 
When I called in response to receivnig the email, inquirying about which machine in their network was suspect so I could avoid using it I was told they did not have that information. When I asked to be informed when then did have that info I was told they would not do that. 
When I asked about when I should call back they indicated there was no way to know : but this was on their network - one of their machines! Paint me confused and frustrated.
Consumer complaint received 2020-08-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (TX)

I refinanced my property in XXXX XXXX Texas on XX/XX/2020. The current Lienholder was paid in full and as of today has yet to file a release of lien with XXXX XXXX Texas or send me a copy of the release so I can file it myself. I have made over 20 phone calls about this and have had zero resolution. My loan number is XXXX and the NMLS for LoanCare is XXXX
Consumer complaint received 2020-10-09
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. (NY)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/DOFED XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: 77 Elite (IL)

I was having my paycheck garnished for students loans. I contacted a company who told me they can stop the garnishment and lower my payments. The company is 77 Elite in XXXX XXXX Florida. I was asked to make an upfront payment before they can start. I did and it was a large amount they charged me. This occurred over a year ago. I am constantly being asked to fax paperwork then I get it from 77 Elite that it isnt clear for me to fax it again. When I call they give me the run around saying they are handling the situation but nothing. I keep sending the same paperwork over and over. I then get we need new paperwork because the documents they have are 30 days over but why didnt they send the paperwork to my student loan company its their fault. Im tired of sending documents over a year and no answers.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MT)

I never completed a Chapter XXXX bankruptcy ; and there 's no reason it should even be on my credit report. I was told this would never show because I never actually paid anyone anything ; and never filed this to begin with. This should be removed immediately.
Consumer complaint received 2020-10-09
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: AES/PHEAA (NY)

Transcript as of XX/XX/2017 shows I was in school and took 8 credits as required to quality for deferment/forbearance with late payments as a  matter of law. Took classes online with XXXX XXXX college at XXXX XXXX XXXX, XXXX, Maryland XXXX. It is XXXX XXXX XXXX XXXX XXXX/XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.
Consumer complaint received 2020-05-08
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. (MD)

EVERY ACCOUNT THAT IS LISTED HAS BLANK OR MISSING INFORMATION. I CANT DISPUTE WHAT I CAN NOT SEE. THE CREDIT REPORTING COMPANIES ARE ALLOWING THE CREDIT REPORTERS TO REPORT MISSING INFORMATION OR COMPLETELY BLANK LINES. EVERY BLANK SHOULD BE FILLED OUT OR STATE NOT APPLICABLE. THIS IS RIDICULOUS. IF THE REPORTERS ARE NOT GOING TO ADHERE TO A SIMPLE STANDARD OF COMPLETE INFORMATION THE THE INCOMPLETE INFORMATION SHOULD NOT BE ACCEPTED. ALL MY ACCOUNTS ARE MISSING THE CRUSAL INFORMATION OF OPEN OR CLOSED. THE XXXX XXXX ACCOUNT DOES NOT STATE OPEN OR CLOSED THE ACCOUNT IS BLANK. THAT SHOULD BE EASY TO FIX
Consumer complaint received 2017-12-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (IL)

Navient has started calling me again on XXXX/XXXX/XXXX at XXXX from XXXX. Trying to get information on a family member ( who does not live with me ). I told them to stop calling me in the past. Here they go calling again. Im currently taking legal actions against Navient for the false accounts on my credit. Why would I give them information to falsify on someone 's else credit?
Consumer complaint received 2020-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CO)

I received a voicemail from XXXX from Ally XXXX customer relations in an attempt to resolve the complaint that I made about the loan still being on my report despite it having been paid off for close to 2 months. 

I have called her back twice leaving voicemails both times at her extension, and I have not heard anything back and the issue has yet to be resolved. 

My complaint is to express my dissatisfaction with both Ally Auto as a lender as well as their executive customer relations department. 

Having this loan on my report is impacting my ability to maximize my loan offers for a mortgage. 

XXXX 's contact information is the following ... 

XXXX Options : XXXX then XXXX XXXX : XXXX
Consumer complaint received 2018-03-26
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. (TX)

I have previously disputed several unverified accounts with Equifax with no results. I have asked that they produce an original signed consumer contract with my signature on all negative items that they post to my credit report and they have failed to produce this documentation on the following negative items below : XXXX XXXX acct num : XXXX XXXX XXXX XXXX XXXX acct num : XXXX