davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (CA)

Email exchange : I thank you for your help, however. Not 100 % well. Would love to get this over with. 

But I had questions regarding a money transfer I made and how the terms which affected my thirty day grace period to pay in full every month were not explained. I requested they reimbursed me for the cost of the money transfer since I paid it off as soon as I realized what was involved. They didnt. So in essence they would be charging me interest in the balance transfer and the new purchases every month on my main credit card. They also had run a hard credit check when I was supposed to have been pre approved this affected my credit score. 

Very devious predatory behavior. I am hugely disappointed by Chase and regret having changed my account. That woman XXXX was unable to deal with all the issues I brought forth. 

Instead, I started getting one letter after the next from the bank without any contact name. Its just predatory hard business dealings with a regular decent customer. They are deceitful. They send you lawyerly letters instead of having a person call you. Its an awful bank which should be regulated. 


On XX/XX/2018, at XXXX XXXX, XXXX <XXXX> wrote : Thank you for your help! I am feeling somewhat better and I am acquainted with that XXXX but continued to receive conflicting and confusing information. I could not reach her. Shes very robotic and not helpful. In general, theres no one at the banks phone end who is actually helpful and polite. She called me when I couldnt discuss the issue right in the middle of a funeral. Could not make an appointment. I dont feel theres anyone really doing anything and despite my aggravation they expect you to put up or shut yo. That is the opposite of what I would expect from the sort of leadership ( XXXX ) who goes on TV to talk about giving back. Mig. 

On Wed, XX/XX/2018 at XXXX XXXX XXXX, XXXX <XXXX XXXX XXXX> wrote : Hi XXXX  , I hope you are feeling better. I apologize I missed you at the branch yesterday however I did receive your letter. I forward a copy to our Executive Office and expressed your concerns with the follow up and to have only one person contact you at your preferred number. I verified the contact info and XXXX will be contacting you. I am out of the office for the remainder of the week, however you can reach the Executive Office directly at ( XXXX ) XXXX. 



Thank you kindly, XXXX XXXX | Chase | Branch Manager | NMLS ID : XXXX | XXXX XXXX XXXX XXXX, XXXX, CA XXXX | XXXX XXXX XXXX | T : XXXX | XXXX XXXX XXXX XXXX | XXXX | T : XXXX | -- XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

I had a savings account linked to my checking account. When funds got too low in my checking account, it was automated to pull from my savings to cover. I was being charged {$12.00} everytime funds from savings were used. Even though I agreed to have the funds sent over. I was never told of a fee.
Consumer complaint received 2018-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

I transferred to XXXX university in XX/XX/XXXX. I was told by the admission adviser the first class was a free base on what they call XXXX XXXX XXXX XXXX. My financial aid kicked in during the subsequent term but XXXX found a way to charge me another {$2000.00} for during that term. I was also charged for the same complementary course they offered me as well. I reached out to them when I saw the charge in XXXX and was told it was going to be taken care of. Fast forward in XXXX, I received a bill for {$4100.00} from a company caller XXXX XXXX on behalf of XXXX. I emailed my student Admission ( XXXX XXXX ) and told him about the invoice. He forwarded the emailed to a Student account representative by the name of XXXX XXXX. XXXX to me I was not eligible for the complementary course but that was not communicated to me in XXXX till XXXX.
Consumer complaint received 2018-02-12
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. (LA)

n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with XXXX XXXX, XXXX, Equifax, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

As per the last complaint and reply. I am sending more information about the reason this item should be deleted permanently regardless of who owns this debt falsely put onto my credit report ( s ). The item was deleted before and put back onto my reports. Also it is in violation of the fair credit laws as it was sent to collections a full month before they claim they sent me a letter, which I never received, about this debt. I will attach documents to show both statements are true and the item needs to be deleted permanently from my credit reports regardless of ownership of debt.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This letter is regarding an account, which you claim I owe {$31.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

So i saw a listing on XXXX for a XXXX XXXX. I contact the seller and told him I would like to purchase the phones he told me that'd be fine as long as I sent him the money through XXXX. I know what XXXX is because it's in my Wells Fargo app and I assumed that i'd have buyer protection much like what XXXX offers. I sent him the money and never received the package and now he does not respond to my messages. I lost out on {$500.00} and would want the proper actions to be taken against this user and get my money back. I'll attach documents where me and him are talking and you can see that he is in fact receiving my money and even going out to say he is willing to refund.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NY)

After having cards on my American Express account issued to two people, I have begun getting solicitations via USPS from XXXX XXXX and others. 


To expand : I've expressed concern to AMEX that my information was being sold on a mailing list on two separate occasions. The service representative at AMEX stated that they do not sell my information. In both instances, I was assured a return call within 24 hours. 

AMEX will not return my calls. 

I worry about the security of my identity when things like this happen and AMEX isn't helping the matter by behaving as if they have something to hide.
Consumer complaint received 2018-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (ME)

Every week for the last two months or so I get a robocall from Harris & Harris Ltd., a debt collection company. The phone number they leave is XXXX XXXX. Since I have no debt and a credit rating above 800, I find this very annoying. I noticed on the internet that other people have been similarly harassed. I would like them to put a stop to this harassment. Please help. 

XXXX XXXX
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : Wells Fargo Bank, N. A. Account Number XXXX XX/XX/XXXX Sirs : You seem to ignore the inadequacy of the responses that Wells Fargo gives to my complaints as to the XXXX XXXX XXXX  Promissory Note ( now XXXX ). Another Consumer Financial Protection Bureau complaint has been inadequately responded to by the client, yet the foreclosure suit proceeds against me. 

My initial letter to you received a reply letter in which Wells Fargo begged for more time to research until XX/XX/XXXX. 

In the meantime, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX, XXXX has filed a Superior Court motion, seeking payment in full of the entire original mortgage amount ( XXXX )! 

In a previous filing, I have shown that the loan was settled in full ( Please see on Pg 76 of the accounting report XX/XX/XXXX Investor Full Settlement Payment {$270000.00}. ) Please explain also explain the eighteen ( 18 ) Misapplication reversals. 

Please explain why the nice round numbers of my huge prepayment checks are not accounted for as such XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} Wells Fargo is engaging in predatory lending practices against me. They proceed with foreclosure lawsuits even though loans have been prepaid in full. 

I demand a full retraction of the suit against me until such time as the accounting discrepancies have been explained. I can not afford the {$170.00} filing fee just to explain why this suit was filed in egregious error by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) https : //www.consumerfinance.gov/complaint/ Wells Fargo Home Mortgage Attn : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2018-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D&A Services, LLC (AL)

Contact was made by D and A Services on XX/XX/2018 @ XXXX eastern time stating personal information such as address, date of birth and SSN the women proceeded to state this information was needed to be verified by me before they could sue on the behalf of another collection agency, neither agency has validated with a contractual agreement of my owing any money to them, so my response was to go ahead and sue, documentation is required in court. On XX/XX/2018 I received a collection letter not a subpoena. Unless this debt that has been validated ( with a contract ) not just verifying by general information or copies of documents without a signature, I owe nothing. According to the FTC, FDCA 1692 ( c ), ( d ), ( e ), and ( g ) threats to collect is an illegal practice, another illegal practice was contacting me by use of my cellular phone under the Telephone Consumer Protection Act 47 USC sec 227 ) without my written consent.

A letter of validation of a contractual agreement has been mailed to D & A services, I am waiting on the returned receipt, upon receipt I will be able to provide the information. I have returned receipt of documents mailed to the other agencies, it can be provided by fax or mail.
Consumer complaint received 2018-08-22
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MA)

I tried to resolved this and many accounts with chase bank several times please see attache documents that you can clearly see i had a judgement against Chase Bank for and incorrect statement. chase had to pay me the consumer. remove the balance on the account to zero  back in XXXX, XXXX. By thier own Attorney XXXX XXXX and thier agreement signed. 

I tired to get a gredit card in XXXX of XXXX with XXXX rewards, and chase refused, so I could not be apart of the rewards of XXXX. because chase hold that card. 

I tried save myself XXXX on an order, with XXXX and Chase holds that card. so I could not get that card either. the credit application was returned in 3 seconds flat and the name Chase was returned on the scree. it was very clear to me this is not due to my credit is because chase bank is hold a grudge against me for the judgment in XX/XX/XXXX,  if they paid the insurance policy thsi would not have been a problem please see attached documents. all trade lines were to be removed in XXXX, XXXX againts all socials attached credit card. according chase XXXX in the executive office they are on my reports and derrotory statemens from XXXX not to do with an auto loan, or any other loan. auto loan was paid in 11 months. Chase is discrimination when I apply for any card they have, the consumer has no idea who holds the card until it returned and then they state to many cards applied. chase is destroying me this way too! I want chase bank to remove all the credit card applications applied remove for my credit report.
Consumer complaint received 2018-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC. (GA)

XXXX, ACTION : XX/XX/2016 This letter is regarding an account, which you claim I owe {$730.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Fraudulent checks were deposited to my daughters account ( which has been linked to my account since she was a minor ) through an ATM, and somehow the money was made available the same day. My daughter did not realize that she lost her debit card as she is young ( XXXX ) and still trying to understand responsibility ( I know no excuse. My daughter had a daily limit for withdrawal of {$500.00} however someone was able to withdraw over {$1000.00} from the ATM. I can not even withdraw that much money from the ATM. As soon as my daughter realized that her account had been compromised she called me. We immediately called the bank and told to go to the branch the next day. We filed an on line police report and went to the branch. The branch rep told us we needed to call Chase customer service as her account is restricted. Because my accounts were linked ( because she was in high school when her account was opened ) they took all of my money leaving me at a XXXX balance in two accounts. I called and filed a claim XX/XX/2018. I received a letter dated " XX/XX/2018 '' indicating that my claim was denied. I am unsure how a investigation can be done in less than 24 hours. I called immediately and threatened to obtain an attorney. At that point I was transferred to the " Fraud '' department. I thought I had been dealing with the Fraud department all this time. A claim was filed and I informed the, I wanted them to pull the video  footage because I want to prosecute and need my money back. They took every dime I had and left me with nothing. I finally received a call today saying that my claim was denied because my daughter didn't report her card stolen in time. Granted I understand that and I am aware my daughter was negligent in doing that but again she is young and still learning how to be an adult. My problem is they aren't concerned with the fact that fraudulent checks were deposited into her account and withdraws were made via ATM. They don't care because they took all of my money. Regardless of my daughter not reporting the loss of her card in a timely manner because she didn't realize it, I need my money and why aren't they concerned with the fraud being done? I have done some investigation on line and there are a lot of complaints regarding this bank and situations such as this. There is a remaining balance that they are expecting us to pay. Really, we did not have anything to do with this. I believe this is an inside job as how can one over ride checks being deposited into an ATM and be available immediately, how can one get someones pin ( Chase recording asks for pin when you call to activate a card ). Fraud activity with banks and ATM 's were even on the news this past week .... Please help me get my money back from CHASE
Consumer complaint received 2018-08-21
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: Experian Information Solutions Inc. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX