davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TN)

I made purchase on XXXX for multiple items. Once I receive the items Ive decided that the items are not as described or not needed for what purpose I purchase them, for I initiated a return on XXXX and I will send a QR code to return all the items to a designated shipper. In this case, would be XXXX, I have a receipt from XXXX  that all items have been dropped off and returned to XXXX while XXXX only refunded one item out of five XXXX claims that they have returned refunded the items which is not true. I disputed the charges on my credit card in this case being chase bank And Chase refused to resolve the dispute, stating that the receipt I have from XXXX does not specifically list all the items that were returned, and I have no proof of the items been returned so in another way, I am being charged for items that I no longer have in my possession And the total cost its about {$110.00}. 
XXXX. XXXX XXXX XXXX XXXX {$10.00} XXXX. XXXX XXXX XXXX XXXX with voice control {$21.00} XXXX. XXXX XXXX {$27.00} XXXX. XXXX XXXX expandable Ice Scraper 4 Pk for {$47.00} Plus all applicable taxes and shipping fees.
Consumer complaint received 2021-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I am enrolled in a program through XXXX XXXX XXXX XXXX XXXX that offers loan repayment grants for health care professionals working in underserved communities. I have a payment of {$15000.00} that has been submitted 3 times to Navient, my loan holder. Each time, Navient has cashed the {$15000.00} check, then stated that it was cashed by an incorrect department, and have returned the check to XXXX XXXX XXXX without crediting my account. This has been going on for 6 months. During that time, Navient is continuing to compound interest payments on a balance that is {$15000.00} higher than it should be because they are REFUSING to process payment on my account.
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (MO)

Last year Chase changed my billing address without my knowledge... it took nearly 4 months to fix ( they sent bills to the new address in FLORIDA no payment was ever made from that address ) After finding out and finally understanding that they did this without my knowledge and I had to send payments via Priority Mail Signature Required ... .more than 4 times at my expense. When they finally got the billing right the never corrected the address on I.R.S. Form XXXX ( Interest Statement ) ... they said they would ... ..NOW THIS YEAR THEY DID IT AGAIN and I am now nearing THREE MONTHS and they have not sent me the corrected form. The I.R.S. states that the one PAYING the mortgage should get the form ... ..told them this and had to send two letters to XXXX XXXX , the supposed Executive Director for Chase in charge of Customer Service ... .that was worse than dealing with their Overseas Customer Service and Stateside Customer Service ! THEY DON'T READ THE COMPLAINTS, just send really bad photostat copies of form letters with information that has nothing to do with the complaint. I have been paying this Mortgage for 18 YEARS!! Never missed, always from my same address, the address the Mortgage is on... ..I can't get them to understand that they should NEVER change my address without my knowledge ... XXXX XXXX is simply clueless... he doesn't understand that, He states that my wife ( who apparently made these two requests ) DOES NOT PAY THE MORTGAGE AS THEY SHOULD REALIZE ... They have sent her mortgage statements at least three times between both changes... WITH NO PAYMENT!! I just need one simple thing, that a XXXX XXXX XXXX could have done on the computer in XXXX minutes ... XXXXJUST CHANGE THE ADDRESS ON THE XXXX!! If my wife wants a copy, she can request one... XXXX XXXX doesn't seem to understand. Tax time is here ... I NEED THIS DONE!
Consumer complaint received 2024-03-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PulteGroup, Inc. (TX)

Dear Officer, " We received a preapproval from Pulte XXXX XXXX and its in-house lender, Pulte Mortgage , and deposited {$5000.00} as earnest money for House # XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX We diligently followed all procedures and provided all necessary documentation in a timely manner. On XX/XX/XXXX, they approved the final loan without any contingencies, sent a welcome invitation letter for the closing date, and scheduled the final inspection of the house. 

On XX/XX/XXXX, we conducted the final inspection at the property and signed off on the completion construction paper. However, on the same day, at XXXX XXXX, Pulte Mortgage called us to inform us that our loan had been declined and advised us not to proceed with the closing. This unexpected turn of events, just one day before the scheduled closing date on XX/XX/ 2024, has not only put me in a precarious position but also jeopardized my property and earnest money. 

Such actions not only lack transparency but also demonstrate a severe lack of ethical business conduct. Treating buyers with such disregard and uncertainty is simply unacceptable. Despite our communication regarding the earnest money refund, they have been unwilling to issue a refund, despite the clear decline of the loan from their end at the last hour. 

I implore that this matter be addressed with the urgency and seriousness it deserves. I trust that immediate steps will be taken to rectify this situation in good faith. Please guide us on how to resolve this matter with Pulte XXXX. 

Thank you for your attention to this matter. 

Best regards
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

i was conected by a women via phone call pretend an expert trader she ask me open coinbase wallet account wich i did then she ask me to open account with XXXX  trading platform.i link my XXXX XXXX account with coinbase and purchase XXXX  then tranfer to XXXX for trading. trading was very successfull i make about XXXX.once i try to withdraw from XXXX they refuse sending money.And ask me to deposit XXXX more for authenticate my id that time i realise its all scm and frud
Consumer complaint received 2021-01-22
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: SYNCHRONY FINANCIAL (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, SYNCB/GAP add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

It looks like Chase found a new way to scam poor consumers seeking credit solution. My Chase Freedom card is at it's limit. Since Chase won't increase my limit, I decided to sign up for my Chase Plan, a payment plan that Chase offers for certain transactions. I had 3 qualifying transactions and signed up on XX/XX/XXXX for 18 months payment plans. One of my transactions was for {$1100.00} and with the plan, I would pay only {$76.00} a month for 18 months for a reasonable fee. The Other 2 transactions were for {$150.00} and {$200.00}. The Chase plans are not Free. But instead of having the {$1100.00} as a lump charge, Chase would only charge me {$76.00} that is added to my amount due every month for 18 months plus a fee. The plan reduces the card balance. I had used the Chase Plan before on XX/XX/XXXX and it worked well. However this time my balance was not updated. The {$1100.00} is still showing charged to my card and on top of that my monthly due has been increased and reflecting the {$76.00} extra and the plan fees have also been added to my account. I called Chase all day Monday XX/XX/XXXX, spoke to a dozen CSRs and 2 supervisors. I was told that the plan is just to avoid paying the APR and that my monthly payment would allow me to lower my balance. That is not what I signed up for. A PAYMENT PLAN HAS NOTHING TO DO WITH LOWERING MY APR. AND WHY WOULD I PAY A MONTHLY FEE SO THE BANK CAN INCREASE MY AMOUNT DUE? I pay more than the amount due, whenever possible. I've paid {$500.00}, {$1500.00} or even {$2500.00} instead of the {$100.00} due. I did not sign up for a plan that would force me to pay {$76.00} plus a fee. Again, I know how the Chase plan works because I've successfully used it on XX/XX/XXXX for 2 purchases that were {$110.00} and {$180.00}. The very next day my balance was updated, and the 2 charges were no longer reflected in my balance. Chase can verify that. SO WHAT CHANGED? WHY IS CHASE NO LONGER ABIDING BY THE TERMS OF THE PLAN?
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

United Explorer Credit Card offered by Chase has a promotional feature related to the United MileagePlus program benefits which says " Premier qualifying points ( PQP ) help you earn MileagePlus Premier status, which provides you with an enhanced travel experience. You'll earn XXXX XXXX  for every {$500.00} you spend on purchases with your Explorer Card ( up to XXXX XXXX  in a calendar year ) that can be applied toward your Premier status qualification, up to the Premier XXXX level '' Since the terms and conditions says that the points have to be earned in a calendar year, a person getting a card in the latter months on the year ( in my case XXXX ) will not get an equal opportunity to earn this specific benefit as I just got a month ( XXXX ) in the calendar year. This doesn't give equal opportunities to members to earn the points and even if you spend multiple $ XXXX wit your card, your points will be flushed down in ta month or XXXX. The terms are written inside the website and are not very clear and misleading. They are also not easily found and you have to search for them. This is misleading the customers who go through a hard inquiry to get the card and hurt their credit.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (IL)

Ordered a PC from XXXX XXXX XXXX Order # XXXX. 

They applied with Affirm with partial of the cost to their " payment system '' to pay off over time. While I put some upfront, the rest I applied for credit for. 

Upon having issues with XXXX filing several complaints and dealing with fraud on their side since I didn't receive the item I purchased. Rather I receive a fraudulent computer with removed serial numbers. Which is against the law. I called up Affirm to let them know that the item was counterfeit. They couldn't find any account information, only that it was attached to my social security number. 

EVERY stupid attempt I made to get it changed for my personal information, I would have to talk to some XXXX XXXX XXXX XXXX XXXX and then deal with their nonsense of NOT UNDERSTANDING ANYTHING. I am saying. Then told me they couldn't access or " Prove '' who I was. When I was literally sending them multiple ID 's. 

I finally reached a manager at one point and sent over the information of the missing parts and PC with the FTC complaint and the PC being junk. The XXXX company also claimed that they wouldn't give me the serial numbers and " didn't have them ''. 

I was told that they would handle it with their fraud team. I was called from their fraud team a few weeks later. We settled the issue, as I thought. Because I dictated to them the penal codes and illegal XXXX that was going on. They claimed the issues was resolved. Here I am several months later seeing that it wasn't. AGAIN, calling their stupid office up to deal with the same XXXX. Only to get the same runaround. They can't prove who I am. 

SO OBVIOUSLY. It's not my debt, if they have no idea who I am and someone used my Social Security number to make the account. If I can't pay the XXXX bill or am allowed to discuss it. THEN ITS FRAUD. The company supported the fraud and is continuously supporting it by not allowing me to do anything with it. XXXX XXXX fraud.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Subjet : Removal of disputed accounts On XX/XX/1023, I noticed some inaccurate information on my Transunion Credit Report. I made disputes on Transunion online portal and I sent in the proper identification and documentations for Transunion to remove the accounts. I requested a copy of the method of verification process four separate times since XX/XX/2023 and Transunion never produced any documentation of the XXXX separate processes. According to the FCRA law, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about who the report relates. 15 USC1681s-2 states, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please note that I am aware of rights under the FCRA, and I am prepared to take appropriate legal action to protect my rights as necessary. It's been way over the time frame allowed under the FCRA law.I expect to hear from Transunion in 15 days of receiving this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I received a message alert claiming there was {$440.00} coming out of my account. I was asked did I make these charges? I said no. On that day, there was two certified checks drawn out of my account. One was for XXXX. The other amount was XXXX. I got a phone call from another agent asking me if I was in the bank. I said I am not at the bank. I am home. They quickly connected me to a fraud agent where this agent asked me if I authorized a third check going out of XXXX? I responded no there should be no monies being removed from this account since it is a savings account. As I was confused told the agent if you look at the history of my account, you will see this money has been in there for nearly 10 years. The banker at the physical bank where the checks were written was the one who called me about that XXXX. So I successively declined the last check, going out, which saved the remaining money that was left in that savings account. 
Since Wells Fargo has the most inadequate security and investigation. I went about myself and contacted the FBI and filled out a report, called my local police department and filed a police report. As well as contacting consumer financial protection bureau for help.
Consumer complaint received 2023-01-17
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)

In the month of XXXX I sent the credit bureaus an FTC report in regards to information on my consumer report that is a result of fraud. XXXX XXXX XXXX Account # XXXX was initially removed and reinserted on my credit report. I do not provide written permission or instructions for the account to be reported on my comsumer report.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (TX)

Issues as follows : 1.After applying for IDR plan, told to print out application and mail to address not listed on site. XXXX. Contacted customer service through studentaid.gov, told to email application and submit through loan servicer. Email provided was incorrect. XXXX. Applied to IDR plan to make sure they have my application before my loan repayments start and was told I couldn't apply because my loans weren't due yet. Yes, I know they're not due, that's why I'm applying ahead of time to give me a margin of error that seems to infest student loan servicers, but can't.
Consumer complaint received 2024-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AR)

Received emails stating I owned money to XXXX XXXX services in XXXX XXXX. I contacted XXXX via XXXX. They said I had to contact XXXX XXXX. I contacted XXXX XXXX  and they had no record of my visit. They had somehow put another Person 's bill on an account, who had similar name and similar birthdate, with some partial information on me from back when I went to XXXXXXXX XXXX XXXX 15-20 years ago. XXXX bought them out a couple years ago. They removed the bill off what information they had on me after I faxed them my drivers license and they confirmed the bill was not mine. I contacted XXXX and told them. I hadn't heard anything until a few weeks ago from XXXX about being sent to collections by Wakefield and Associates on behalf of XXXX. I filed a dispute with XXXX  and was told that Wakefield had to provide proof and detailed bill of my visit to back up their collections. I did not receive anything or any proof. I contacted XXXX XXXX  and they verified they took care of it 2 years ago and notified XXXX and confirmed they had no record of visit for me. I contacted XXXX who couldn't find me in system still ... after trying my birthdate, last 3 addresses, and last 2 phone numbers. They got supervisor involved who said to send me to billing. Billing said they were informed of my statements and that I owed the money and wouldn't listen to me and told me I had to contact XXXX XXXX. I told her that I contacted XXXX XXXX  already and what they said. She said i had to contact XXXX XXXX. I said can you not contact them and call me back? She said she couldn't call me back that I had to call back. So I asked if she was going to contact them and she said yes. I asked if a hour would be enough time to call back. She said yes. I called back and She said it was a keying error on XXXX  side and was corrected and that they were going to remove me from collections. I said I wanted proof. She said they could send me a letter. I said ok please do that. I asked her to verify my address, it was someone else 's address. I said that's not me. She said that's what we have for you. I said that isn't me. She read off phone number. I said that isn't mine nor has ever been mine. She asked for me address to send letter. I said I DO NOT WANT YOU TO PUT MY ADDRESS ON SOMEONE ELSES ACCOUNT!!!. She said it wont go on the account its just an address of the letter. So i gave her my address. I am afraid that some of my info got added to another person 's account and that persons information is under my name still. I received the letter last week station patient not seen and siting the keying error. XXXX has since resolved the dispute in favor of Wakefield because they provided proof ... that doesn't exist and was never provided to me.