davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Meta Payments Inc. (GA)

On XX/XX/year> I bought a boat that I found market place. I went on XXXX and paid for it. Unbeknownst to me the seller told me that his XXXX acct was deactivated. I immediately called my bank and ask for them to stop or reverse payment because I sent money to a deactivated account. The banker let me know it was OK and no problem doing this and even though it had already went through I would get it back in 7-10 days I paid {$4000.00} to this deactivated account. I ask the bank if he was sure I would get this back because I couldn't pay twice for this boat. So the banker The seller my husband and I all stayed on the phone together until we got the seller paid. Because I had already sent {$4000.00} to the seller through XXXX XXXX ( meta pay ) the banker had to raise my limits on my card to get this payment to go through on XXXX XXXX after trying 2 times on XXXX XXXX it finally went through. The banker informed me that 1 of the payments through XXXX XXXX he had already declined and wouldn't even show up on my statement but i would see the meta pay transactions back in 7-10 business days. 
On XX/XX/year> I noticed money back in my account just like the banker said. 
Unbeknownst to me instead of meta putting the money back into my account my bank ( XXXX XXXX ) had gave me a provisional credit that I was never notified of or never ask them to do. Well on XX/XX/year> the provisional credit was reversed and my bank told me that I didn't get them the info they requested. I was never informed that they need more info. So they denied my claim that I never really knew I had and would not reopen it even though I told them to go back to XX/XX/XXXX and listen to the recorded phone call and they would see. They end with telling me it was between me and Meta because I sent the pay.ent willingly. Well I have been round round and round trying to get someone from meta to release my money I can still see it in XXXX sitting there waiting to be accepted but the only people i can reach at meta is people that can only filenew claims so I filed about 30 if not more and all the do is send me the same response with a survey. This has been a nightmare. Metas policy is if the payment goes 7 days without being accepted it cancels and is returned to sender. This {$4000.00} mistake that my bank help me make has cost me about {$8000.00} and I'm fixing to lose everything if I can't find someone to help fix this for me.
Consumer complaint received 2015-05-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

After researching my issue and determining that I am eligible ( no late payments, LTV under 78 %, loan active over 5 years ) to have my FHA MIP removed from my account, I contacted my lender to start the process. I was slightly confused when i ended my call with them, due to the fact that they insisted that I would have to pay for a new appraisal in order for them to make a determination ( with no guarantees ) whether to cancel my PMI. I could under no circumstance get them to even call it MIP, let alone admit that any difference between MIP and PMI existed. They sent me a form to start the process, the form is basically an agreement on my part to pay for an appraisal. I called them back and eventually their representative told me to call the XXXX at XXXX. The center sent me a summary of their guidelines in my situation. Following these guidelines I sent my lender a written request of my desire to have MIP cancelled on the loan, and asked them to forward my request, along with supporting payment documentation to the FHA for approval. I also included a copy of FHA 's guidelines for their reference. After waiting over 60 days for a response I contacted them by phone again and was informed that they received my letter, however no action was taken since it did not include the form releasing them to order an appraisal at my expense. After much discussion with this representative his only recourse was to have me call the XXXX again. All any representative at my lender will do is quote some lines from what I believe to be a summary of the PMI Act of 1999. They will not admit that a FHA insured loan is different in any way from a private contract loan, even after me offering specific guidance as to Mortgage Letter numbers published by XXXX specific to this issue. The XXXX, being an informational entity and not an enforcement one could offer me no further guidance, hence, my complaint filed here. I have attached all correspondence I have relating to this issue, including the form my lender wants me to sign, the guidance email sent me by the FHA, the corresponding XXXX Mortgage Letter relevant in my situation, and the original request I made to my lender to have my MIP terminated.
Consumer complaint received 2021-07-25
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. (VA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong old addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

I have an auto loan with Wells Fargo which began in XXXX of XXXX. I didnt really notice much until this month when I went to pay my weekly bill ( I budget and have been trying to pay weekly to cut down the daily interest so more goes towards my principal. ) It is currently XX/XX/XXXX and my next due date is not until XX/XX/XXXX. When I logged in today to put in my weekly payment I saw my next due date is XX/XX/XXXX with a payment of {$580.00}. My monthly payment is around {$550.00} XXXX a few dollars so I was surprised to a see a higher amount due when I have been paying in advance for most of the loan. I checked my statements and dont see where the extra money is being added from. The app just says past due amount {$42.00} but Im not sure where that came from since Ive never been late and have been paying in advance!

Also, when I see my payments, the breakdown of amounts that go to interest vs principal are always different. The dates are also different from when I submit them to when they are posted. It seems they count only business days ( as I pay weekly, its ever 7 days but the dates on the app for payments show a 5 day difference when I was consistently paying weekly ). Some weeks I dont pay every 7 days but the times I have, the numbers still dont add up.

Theres never a correct breakdown and I just dont know where my money is going or why i have unknown and inaccurate fees!

I just found out Wells Fargo is notorious for mishandling auto loans and not billing correctly which is why Im reporting this. Please help!
Consumer complaint received 2024-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I want to know if The Holder Rule that is being used to justify private student loan discharge with Navient applies to loans that are direct-to-consumer. 

I was awarded federal loan discharge approval with Borrower 's Defense because I went to a defrauded school. 

Navient 's response, when asked seems arbitrary and misleading.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KY)

I was scammed out of my money around XX/XX/2023 ; for an XXXX  I never even received keys for. I put XXXXXXXX XXXX  as a deposit, I had been calling them for over a month & a month later the apartment complex calls me to tell me that the tenants are not moving out. They also stated that I wouldnt get my money back because it had been so long, but they were breaking the law anyways. Theres no way you knowingly have tenants apply for an apartment that is an already occupied. Upon me requesting to get my money back, they tried to move me into an even more expensive apartment, which I declined. They then charged me XXXX $ for an apartment I never stepped foot in, I called the property manager and she was very unbecoming & XXXX. I took a major loss last year because of them, I was almost homeless due to their unprofessionalism. I just wanted my money back so I got in contact with chime, unfortunately you guys failed me as well. I do have all the documentation of the event.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or list of inquiries 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 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

BRIDGECREST IS WILLFULLY NON-COMPLIANT AND IN VIOLATION WITH FEDERAL LAWS CONCERNING THE FAIR CREDIT REPORTING ACT CREATING DEFAMATION, NEGLIGENCE, AND INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS. 15 U.S. Code 1666B : The law clearly states that a creditor may not treat any payment on an account under an open-end consumer credit plan as LATE for any purpose, unless they send the information in section 1637B.

THE INFORMATION IN SECTION 1637B MUST BE MAILED 21 DAYS BEFORE THE PAYMENT DUE DATE.

I HAVE REQUESTED PROOF THAT THE INFORMATION LISTED IN SECTION 1637B WAS MAILED 21 DAYS BEFORE THE DUE DATE.

Bridgecrest has refused to abide by these federal laws. This is willful failure to comply with the law and this makes Bridgecrest criminally liable for actual, statutory, and punitive damages due to my rights being violated under FCRA.

15 U.S. Code 6802- Obligations with respect to disclosures of personal information.

Transactions are payment histories. This law protects my rights from any non-affiliated 3rd party company. Bridgecrest is willfully and illegally sharing my nonpublic and personal information with XXXX, XXXX, and XXXX which are all non-affiliated 3rd party companies. Nonpublic information means personal identifiable information.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (MD)

Recieved a letter from a Debt Collection Agency that informed me of my debt from JP Morgan Chase bank for my Southwest Airlines credit card onXXXX. There was no correspondence prior to receiving this letter which Chase has sold my debt to. The amount of the debt is stated as {$11000.00}. This is unreasonable and has taken a toll on my credit history. I am asking for this debt either to be removed and for any late payments to be removed from my credit history. Chase and XXXX XXXX XXXX are in non-compliance with this debt request. 

Thank you
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2024 at XXXX, Huntington processed a withdrawal from my account in the amount of {$2400.00} and that completely cleaned out my account! They never notified nor even tried to contact me in any way to withdrawal this money from my account. I called and they tried to say that they sent mail etc to my old address or even tried calling my old number, when the information on my new account was up to date! How can they do that to people with out any court orders or anything! Please help me out!
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (FL)

Company is committing fraud. The company is not following federal consumer right laws. Have sent in documents and called with no reply or provided documents meaning contracts for fraud account that was open in my name. Its been over a year with no answer I will be filing a civil law suit against all companies listed.
Consumer complaint received 2024-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (IL)

UPON REVIEWING A CURRENT COPY OF MY CREDIT REPORT. A COLLECTION WITH CONTRACT CALLERS APPEARED ON MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE AND IS RELATED TO FRAUD. ALSO I ATTEMPTED TO CONTRACT THE COLLECTION AGENCIES AND ALL NUMBERS ONLINE AND THE NUMBER ASSOCIATED WITH THE ACCOUNT ARE NOT WORKING OR DISCONNECTED. 

THEY ARE ATTEMPTING TO COLLECT A DEBT WITH XXXX XXXX IN THE AMOUNT OF {$650.00} WITH A PARTIAL ACCOUNT NUMBER OF XXXX WITH AN OPEN DATE OF XXXX. THIS ACCOUNT IS FRAUDULENT.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid 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. (TX)

Dear Sir or Ma'am, This is in regards to a Phishing scam conducted by Chase Sapphire Preferred team. On Friday, XX/XX/XXXX, I called Chase Sapphire Preferred customer service@XXXX. They refused to help address questions I had about a recent purchases, billing, reverse charges, etc - until I " authenticated myself ''. Pretty standard practices on the surface? However, the questions they are asking, are not personal to me ( mother 's maiden name, city you grew up in, etc ). Instead, they use their mobile app to access your phone contacts. Then their " qualifying questions '' become as follows : Chase : " Do you know anyone named 'XXXX XXXX? '' Me : " Yes, I know two XXXX 's, why do you ask. '' Chase : " Can you tell me her birth date please? '' Me : " No, I don't know it. '' ( I lied ). 
Chase : " Do you know anyone named 'XXXX  XXXX? '' Me : " Yes, of course, but I'm not giving PII ( Personal Identification Information ) to you for any of my friends or family. '' You should note that this rep was of XXXX descent. So they have people in foreign countries using our mobile app, to phish for PII on American citizens. This is how we end up having a major data breach with millions of consumers being affected and identities being stolen. While I was being passed to a 3rd person ( a supervisor ), to complain about their tactics, I also drove a block away to a Chase bank, I put their rep on speaker to allow the branch manager listen to what I was being told over the phone. He asked : Chase Manager : " Did you call us, or did we call you? '' Me : " I called you, to get assistance with my card. '' Chase Manager : " Then it's not phishing, because you called us ''. 
Me : " Other people 's PII has nothing to do with authenticating 'ME '. If you're asking questions about other people, you are identifying THEM, not me. '' Chase Manager : " All companies do this ''. 

Conclusion : When we add a contact into our phones, it often includes first|last name , street address, email address, etc. Now, Chase is allowing their offshore people to access that data, and then ask additional PII ( DOB ) that could allow them access to hijacking their identities. And, they refuse to help me until I give in. I had to speak to 3 people, then had to hang up and walk out of the bank, because I wouldn't give in. I still didn't get my questions answered. 

Respectfully,
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Recently I retired, at some point I was not able to continue making payments on my PayPal account. Prior to this situation, I had opened a crypto currently account through their site. I liked the idea because I could make purchases in small amounts. 

However, now that XXXX cant my payments as I previously did, I am unable to access my account in any form or fashion. Each and every time, I try to access the account, I always receive the following messages : something went wrong, please try again ; please enter three email accounts associated with your account ; reset your password, however, when I choose this option, it circles back to enter your email address and we will send a reset link. 

I try this every few months, only to end up in the same vicious circle. I do know that at one point I was past due with a balance of roughly {$220.00} odd dollars. However, I do believe that there was enough funds in the crypto account that would have allowed me to liquidate the account and bring my account current. However, since I was locked out of my PayPal account, I was denied the ability to use this option. 

I dont know, it I believe this practice from PayPal has to be illegal in some aspect.

I would appreciate any assistance I can get. I dont think they should be allowed to hold my funds hostage. As previously mentioned, I do believe there was enough money in the crypto account to have gotten my account back on track, but they denied me this option.
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IL)

Paypal has restricted my account because I filled disputes that where legit and not to abuse the dispute resolution center I have provided the correct information to the disputes department that shows the person name and account that my debit card was used and I have provided countless documents stating who used my paypal account I was not actively using my paypal account so it was compromised and I didn't know and I have provided all this information to paypal dispute department and you guys still restricted my account even after disputes where resolved in my favor and I still have on going disputes that paypal debit card department is still investigating my account was restricted for no reason I was not abusing the ability to dispute fraud charges to my account this is ridiculous and I would like my account to be reinstated asap this is ridiculous I haven't done anything wrong and I still have money in the account that I want out asap this is not fair to me because my card and account was compromised and I provided details and paperwork showing it wasn't me making these charges and you guys still restricted my account this is unacceptable I want access to my money asap this is ridiculous
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

Shortly after receiving a direct deposit, Wells Fargo bank stated it would be closing my account and that deposits were blocked. As a result my funds disappeared for several days. I spent hours at a bank branch trying to resolve the situation. The bank continuously stated falsehoods, as to the ongoing financial fraud and embezzlement carried out by the US and its financial entities.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (CT)

The credit reporting agencies XXXX, XXXX and XXXX have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I further discovered that the GM Financial inquiry is related to a corporate business account not a personal consumer account and which was not unauthorized by my personal authority.