davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I made a wire transfer in the amount of {$400.00} + {$40.00} fee through Chase  Bank to my sister on XX/XX/XXXX. The transfer did not go through because of error in the account number. 
After numerous efforts on my part to get Chase Bank to return my money, I was forced to file a complaint against Chase  Bank with the CFPB ( Case # XXXX ) filed on XX/XX/XXXX. In response to that complaint, Chase reimbursed the {$40.00} fee and sent me a letter promising to retrieve my money from the recipient bank within 3-5 business days of the letter. They assigned a case/reference number to my wire retrieval case ( Case/Ref # XXXX ). 
It is now over 3 weeks since Chase informed me that they had initiated contact with the other bank. I have not heard from Chase Bank since then. I have sent emails ( on XX/XX/XXXX and on XX/XX/XXXX ) to Chase Bank via the secured online messaging system, requesting an update on the status of my requested {$400.00} refund from the botched wire transfer. I have also attempted calling the wire department at Chase bank and got no response. Just as before when I filed my initial complaint, no one from Chase has bothered to respond to me and my money has not been refunded so far. 
I am tired of chasing after Chase Bank to do the right thing and return money that was not received by my relatives back to my account. It is unfair for a large corporation such as Chase Bank to treat hard working customers this way. I have been ignored for months and I have been forced to send additional money in other for my deceased brother to be properly buried while Chase Bank continues to play with me. 
I am requesting the Consumer Financial Protection Bureau to intervene in this matter because I feel like I am being played with. As a single mother of minor children, it is ethically wrong for Chase Bank to put my family 's survival in jeopardy in this already rough economy. 
I am not asking for anything other than the return of money that I paid that was never received by my relatives for my brother 's burial. 
I am prepared to go to the press with this matter if the CFPB turns a blind eye to my request and continues to allow Chase Bank to oppress my family.
Consumer complaint received 2020-08-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I filed a chapter XXXX Bankruptcy and after 6 mos I notice that non of the bills were being paid so I closed out the Bankruptcy and reached out to each creditor. I had 2 cc with Capital One when I contacted them to workout payment arrangement that I was informed that one of my cc was sent to Portifolio which I do not have an account with. I paid the one that Capital One had. I do not understand how you can send someone to collection while they are in an active Bankruptcy. Please advise a fix to this problem as I am trying to pay the CC as I have paid the other. It should be against the law to send someone to Collection. And it was verified that the account was sent while I was in the middle of the BK
Consumer complaint received 2020-08-27
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. (NY)

I just check my credit inquiries on XXXX XXXX it is showing 5 hard pulls for XXXX cards. I did not do this I applied for this card over 2 years ago and only 1 hard inquiry should be reported. There are 5 of them which is affecting my credit score. I did not do the other 4
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

names address and accounts wrong XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX   XXXXshow tooltip button XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments begin XX/XX/XXXX. 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (PA)

Hello Ive been trying to get in touch with consumer portfolio to ask if they would please help me with my payment. My payments have been half payments have been making a payment, but they still want to repossess my car. I called as early as today XX/XX/2022 to ask for help and keep getting pushed around. I need help so I can half my car because I have chronic illnesses and I need to get to work. I do make a payment but its not a full payment. Im axing them to please lower my payment, but they keep refusing. I need help getting this company to help me through this process I am, not sure why the car dealer went with this company because I had no debt when I traded in my old car for the present one that I have I checked with my credit and seeing that I have paid the car loan down significantly and Im just axing them to please have some understanding and help me through the process of getting back on my feet so I can continue to pay my car loan off I have not missed a payment Ive just been paying what I cant which would be at half payment and then try to make the payment up or Im just asking them if they could get rid of the of the fees and interest on a loan until I get caught up. No one will return my call when I text or email they refer me to the manager who will not get in touch with me. This has been going on for three months, I heard from the manager this past Monday letting me know that my car was going to be repossessed. I asked him not to do that because I have to make a payment and he instructed me to hide my car so that it wouldnt be taken I said why would I hide my car if Im axing you to help me with the payment by just lowering it or taking a half payment and allowing me to make it up at the end he replied that his manager does not allow that and instructed me to hide the car. Please help me with this matter. If you quit by. This is the second letter I have sent to you about consumer pro folio services. Thank you for your time and Ill wait for your response.
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (FL)

My ex husband XXXX XXXX was awarded this vehicle in our divorce. He was court ordered to refinance the loan and put it in his name in XXXX, but he did not comply. In XXXX he had the car repossessed and I was not notified. I found out after it was too late from him. BB & T never notified me or contacted me to let me know that they would be repossessing the vehicle. XXXX surrendered it without my approval. I never had a chance to fix the problem and was not aware that he did not refinance it until it was too late. It is now reflected in my credit as a repossession which is not a reflection of my true credit worthiness as I had no control over this. I would like the record removed from all of my reports on each credit bureau.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NC)

I.C. System, Inc. has violated my rights pursuant to 15 usc 1692 ( b ) ( 2 ) ( 3 ) and 15 usc 1692c ( a ) ( b ). I.C. System, Inc. was not present for the initial correspondence between myself, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX, therefor I.C. System, Inc. is in direct violation of my rights by contacting about this alleged debt. I.C. System, Inc. has contacted me via phone daily in connection with this alleged debt, which is violation of 15 usc 1692d due to the fact I never gave I.C. System, Inc. consent to contact me about anything. I.C. System, Inc. furnished deceptive/negative forms and reported them on my credit reports, this has been very detrimental to my reputation as a consumer which is a violation of my rights pursuant to 15 usc 1692j ( a ).
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: J J Marshall & Associates, Inc (MI)

I co signed for a rental property with cherry chill properties in XXXX and was told my name would be removed from the lease after a year. My mother which is XXXX XXXX passed the following year in XXXX of XXXX. I informed XXXX hill properties of what happened and notified them that I would be moving. I also stated that my sister and brother would still be there and was told that they could live there under my moms name if they paid the rent and to give a 30 notice by email, which I did. I moved XXXX XXXX. I still kept communicating with XXXX XXXX XXXX to make the payments as I received the money while they were still in the property. After they moved which was XXXX XXXX I notified cherry hill properties by email. They were emailed before the XXXX. With no response I emailed them after the keys were left in the mailbox and the property was vacant. I received a email about charges that occurred after I notified them that the damages were there about the basement while staying in the property and no one ever came to fix that. I still have the pictures of the damages. I never received anything about a court date before the garnishment of my wages so I wouldnt be able to respond to something that I did not receive. I was never notified of anything. By the time I received a notification my wages were already garnished which cause me to fall behind on my bills at my apartment. I have my lease from when I moved in XXXX as well as a 30 day notice by email.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I received an email from CapitalOne credit card QuickSilver that my credit limit has been decreased from XXXX to XXXX. I had this card since XXXX, and I NEVER paid late, always on time, never went over the limit, I could say I am a perfect card holder. I called the customer service for CapitalOne on XX/XX/XXXX and spoke with XXXX which was no help. He was saying that he can't do anything and the reason for the credit limit decrease was due because I was not using as much. In one point my balance was over 5K and it took several months and finally I was able to pay it off all my balances. I'm still keep using the card every month and paying the balance in full, just on XXXX my balance was about 400 and paid full. I spend in average 200 or more every month and try to pay in full when it's due. 
So XXXX transferred to his supervisor XXXX, and same thing she was not willing to help at all, and keep saying because I was not using my credit card a lot and because of that my credit limit got reduced. So for me being a good customer, they are punishing me decreasing my credit limit which will cause my credit score to go down, because my revolving credit usage will go up in % and my total credit available will go down. 
Please help me with this, I was saving the card available balance for future rainy days and my kid which is in XXXX grade will soon go to XXXX and I will need all the available balance for tuition, housing, and all the expenses that comes when sending your kid to XXXX. This is very unfair situation, I know about the pandemic causing a lot of job losses, but I still have my job and following all the rules to be a good card holder, but CapitalOne is decreasing my limits because I don't generate a lot of profit for them? That's not acceptable that this giant corporation keep bullying innocent and week people like me. PLEASE HELP. Thank you
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My XXXX lease end agreement was on XX/XX/2020, my purchase appointment date was set for XX/XX/2020, my new Purchase contact payment is scheduled for XX/XX/2020 and my consumer complaint is that XXXX reported " 30 day DELINQUENT notices '' for XXXX & XXXX and interns made my FICO drop from XXXX to XXXX and cause the Denial of my home equity line of credit. I have made contact with XXXX and they stated that they have reported their error however, when I try to contact Experian @ XXXX but after 30 tries I had no luck for they have a horrible system so I filed a complaint under report # XXXX which is only for XXXX because they do not allow me to file again which makes absolutely no sense what so ever ... 
My objected for this noticed is to seek help on assuring my credit FICO score of XXXX is return and both XXXX and XXXX delinquencies of 30 days are removed completely from my credit report for XXXX should have never reported false delinquencies. No consumer should have to bare this unfair financial reporting for it is truly successful and frustrating. Thank you and I truly appreciate your prompt enforcement in this matter.
Consumer complaint received 2022-12-08
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: TD BANK US HOLDING COMPANY (IN)

On XX/XX/2020 during the COVID-19 Pandemic, I enrolled in a Payment Plan Agreement via the Target XXXX Account website. All payments were set to deduct automatically, and they did faithfully until the account was paid off in the following months. Upon checking my credit report, I discovered three late payments. Many disputes were made to correct these falsities in reporting ; however, the errors remained the same. No change to the inaccurate reporting ensued. A complaint was filed with the CFPB, which outlined many inconsistencies in the information I received as the consumer at the time of enrolling in the Payment Plan Agreement. Additional information was provided to include proof of Payment Plan Terms and posted payments. After the investigation, the company stated, At the time you agreed to your payment plan, your account was past due. After 3 months of on-time payments your account was reported as current. We are unable to change how your account is reporting to the credit bureaus. However, this was not outlined in any terms sent via email on XX/XX/2020. In the Payment Plan Terms sent by TD Bank, it clearly outlined the Minimum Payment Due on upcoming statements may be greater than the required fixed monthly payment because of past due amounts, but you are only required to pay your fixed monthly payment amount. No information was disclosed regarding credit reporting procedures or potential impending penalties for past due balances whilst in the Payment Plan Agreement. I, as the consumer, agreed to the terms ; however, TD Bank did not ensure all facets of information were disclosed prior to entering said agreement to ensure the ongoing health of my credit score. To no avail, I have made multiple attempts to correct this erroneous error and unfortunate mistake with the credit bureaus and the company itself. Despite my best efforts, I am still being penalized for enrolling in a Payment Plan during a worldwide pandemic due to undisclosed terms by the company at the time of our agreement.
Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (KS)

I have a vehicle loan through SunTrust Bank. On XX/XX/XXXX, I was furloughed from employment XXXX   to Covid-19, and on XX/XX/XXXX, I contacted SunTrust to inquire as to what options I had to defer payments without affecting my credit report. The representative said paperwork would be emailed and I should sign and return upon receipt. This would defer payment for 3 months and those payments would be moved " to the back '' of my loan. I never received such paperwork. After many follow up calls, alternative emails given, and mailing address verified, the paperwork still failed to arrive. Their response was that they, too, had many people on furlough, and the rest were working from home. While I understood that, I needed to make sure our credit wasn't affected as I had previously made timely payments over the amount that was due. On XX/XX/XXXX, my vehicle was repossessed. The day my vehicle was repossessed, a representative offered to send me the infamous paperwork via fax. Had this been an option from the beginning, this would be a non-issue. I was able to receive, sign, and return the information in about an hour. 
I contacted SunTrust Bank to inquire about the paperwork very frequently, yet no one ever asked about any payments that had " been missed '' or advised me as to any impending repossession. No calls were made to me, no mail was sent asking for payment. I paid {$140.00} to the impound company and {$560.00} to SunTrust Bank as a " repossession fee ''. None of these monies went toward my vehicle payments. My credit report now shows late payments for the months of XXXX, XXXX, XXXX. Since then, I've gone back to work, yet my wife has now been furloughed since XX/XX/XXXX. Miraculously, after the repossession, SunTrust is now able to reach me via email and I was able to defer payment until XX/XX/XXXX by simply signing the form electronically. On the paperwork that was faxed over to me, which I singed and returned, it states that Three payments were deferred and my next payment would be in XX/XX/XXXX. That says to me that the months of XXXX, XXXX, and XXXX should show as current since those were " deferred ''. In my attempt to correct the issue, I filed a XXXX   complaint which yielded no results. The representative now says there is no records of my many phone calls yet she somehow has records of phone calls I've never received. They are refusing to submit corrections to the credit reporting agencies, or allow those fees to go toward my car note. Despite the representative 's initial statements that she were able to help in the situation, she now says there is nothing SunTrust is willing to do. Daily interest continues to accrue, which is fine, yet it is my belief that the company was unscrupulous in repossessing the vehicle to receive additional fees especially during a time in which millions are struggling.