davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (OH)

Dear XXXX Office, I am writing to formally submit a complaint against Chase Bank regarding an issue that occurred on XX/XX/year>. I believe the bank 's actions were discriminatory and highly unprofessional, leading to significant financial and personal distress. 

Summary of Events : On XX/XX/year>, I opened a new account with Chase Bank Just five days later, on XX/XX/year>, my account was restricted by Chase Bank due to a request for immigration documentation.

I provided all necessary documents issued by the U.S. Department of State and Customs and Border Protection ( CBP ), including my I-94 form and DS-2019, which confirm my status as a J-1 visa holder.

Despite this, Chase Bank continued to demand documentation that is only applicable to individuals with lawful permanent resident status, which is not relevant to my J-1 visa status.

Due to this unjust restriction, I was flagged in the Early Warning Services ( EWS ) database, preventing me from opening a new account at another bank.

As a Syrian citizen with a residence permit in XXXX and currently in the U.S. on a J-1 visa for my fellowship at the XXXX XXXX XXXX XXXX have faced undue hardship due to Chase Bank 's mishandling of my case. 
It is essential to note that there is no federal law that prohibits individuals from XXXX countries from opening a bank account in the United States if they have a valid U.S. address and are not on the sanctioned list. Therefore, the restriction placed on my account based solely on my nationality is both inappropriate and discriminatory.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This item in my credit file are from unauthorized use of my social security number and my personal information. I am not aware and did not authorize these accounts to be taken out in my name. I'm upset and depressed after dealing with my identity being stolen and need this to be corrected so I can use my own credit. This account does not belong to me. 

XXXX XXXX - XXXX
Consumer complaint received 2024-10-18
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: Fay Servicing, LLC (NY)

After missing two payments, my online access was terminated, and I stopped receiving any loan related documents, for the last 21 months I have received absolutely no statements or documentation regarding my account details, despite repeated requests for account information. 
Throughout the foreclosure process, Fay servicing has not answered my calls, or responded to my voicemails, or emails with questions regarding loss mitigation, payment options, etc. I don't even know if my single point of contact XXXX XXXX actually exists, I have never spoken to the man, not once has he replied to an email, voicemail or answered a call from me.
Consumer complaint received 2024-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX loan servicing put an unauthorized charge to one of my bank accounts. I updated the payment method and closed my account on XX/XX/year> for the amount of {$610.00}. I uploaded a different bank account than the previous payment and all information was accepted for the XX/XX/XXXX payment. On XX/XX/XXXX the original bank account was charged and this was an authorized charged resulting in {$100.00} in fees. In addition, the original loan amount was {$4000.00}, with interest it accumulated to XXXX. I paid {$6000.00} and the next month the interest jumped from {$50.00} to {$300.00} doubling the size of interest loan in a 30 day span of time. In summary, unauthrozied access to bank accounts and penalized paying loan by increasing the interest rate to nearly 100 % when 30 % is the max.
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (NJ)

This letter is my formal written request for you to investigate the following Unverified accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. & 1681 your company is required by the federal law to verify- through the physical verification to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you use to verify that the account belongs to me the first time you report the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C & 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following account be verified or remove Immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) {$7900.00}
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (MA)

On XX/XX/XXXX I received an Email from Wise Ltd asking me to provide as US govt issued document. They stated that this could be any of the following ; US driving license US passport US visa Green Card US refugee identity document I do posses a valid US Visa so that would have surfaced. 

I however raised to them my need to change the address to my address in XXXX since that is where I am mostly based. They told me that is fine and all I need to do submit that documentation in their app. Imagine my surprise when my account was closed without explanation because I did what they advised me to do.The account was closed because I submitted a proof of address in XXXX yet they hadn't updated that on their end. 

Iam happy to submit my visa and keep account as USA if that can help them resolve this and restore my account and cards.
Consumer complaint received 2024-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I called Navient on XX/XX/XXXX at XXXX ext. XXXX to request a XXXX  misconduct discharge application. I found out about this application on a social media site. Navient had not notified me that my account was eligible for this program. The representative I spoke with said my account was eligible for review and it would take 30 days to complete. Once approved, I would receive an application. 

I called again on XX/XX/XXXX to follow up on the status. The representative informed me that I needed to fill out an application in order to apply for the discharge. I explained that was I told my account needed to be reviewed first. She said that was incorrect and sent me an application via my Navient inbox. The previous misinformation prolonged my application process unnecessarily. 

I received the application on XX/XX/XXXX, and submitted it on XX/XX/XXXX. Navient confirmed it was received on XX/XX/XXXX. 

I received a letter via the Navient inbox on XX/XX/XXXX stating my application was denied for the following reason : " Navient carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I called Navient and asked the representative for a more detailed explanation of my denial and asked what specific requirements did I not meet, since it was already predetermined that I was eligible for this program. She stated she doesn't know the specific reason, and they have a lot of factors they consider. She could not provide what those factors are. I was told I could appeal the decision, but without specific reasons for my denial, I would risk being denied again for the same unidentified reason. 

I provided supporting documentation that shows my federal student loans are currently a part of a XXXX XXXX case and my application is still pending. I also provided a court case from XXXX that shows the XXXX XXXX XXXX  was a participating in fraudulent and misleading practices.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION (GA)

Pursuant Fair Credit Report Act 15 USC 1681 A-N Exclusions of Contract and Civil Liability for Willful Noncompliance. I did not authorize this soft inquiry. I did not receive an extension of credit or offer from the company. Please remove immediately or your company will need to resolve this issue in civil court.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (DC)

XX/XX/2024 ; a sender sent {$3500.00} to a Chase Account/ secure debit account. 

Registered product XXXX XXXX  XXXX, it acts like a bank account with a debit card attached, receives direct deposits and has monthly fee of {$4.00} per month. Only if Direct Deposit is added ; monthly fee is waived. 

The sender bank was told the account is open and valid ; although doesn't accept incoming Wire Transfers, although accepting Direct Deposits. 
The sender advised the sender bank ; ... .Chase could have credited the Total Checking Account instead of asked to correct the Account number;... instead Chase is holding the funds on wait list to return funds back to sender. After XXXX -- hours Chase has not returned the funds back to the sender. 

Leaving my account with XXXX dollars, nor has made the wire transfer back to the sender. Chase advertises the XXXX account brand as an essential account for consumers, although the restrictions or limitations aren't transparent.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NJ)

After noticing multiple late payments reporting to my consumer report I notified the credit reporting agencies and asked them to investigate this account. I understand that in order for any account to be reported as late, the consumer in which I should receive a statement document every month no later than 21 days before my bill due date pursuant 15 U.S. Code 1666b - Timing of payments. Since I've opened this account I have yet to receive that document but every month they continued to report it late without following the proper procedures in which that is a violation. At some point with XXXX affecting everything I came across hard times and fell behind on bills. This account that's reporting unauthorized late payments without following the proper procedures is negatively impacting my credit score limiting my ability to obtain necessities in life. I am not disputing this account in the fact that this debt isn't mine but in the fact they they failed to properly send me the statement documents from every month that this account was open but yet still proceeded to report this account as late. I am asking that they remove or stop reporting this account from reporting to my consumer report in which that failed to follow the proper procedures pursuant 15 US CODE 1666b - Timing of payments.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

I initially opened the account brand new and received one payment of {$120.00}. I was then notified my venmo that my account was restricted after attempting to use my debit card. Venmo requested that I submitted documentation verifying my identity such as my ID. The account was successfully recovered afterwards .... However in less than 24 hours the account was frozen again and I was instructed to submit documentation again. I submitted the documentation exactly as I was instructed and unfortunately the company refused to release my funds. I was then told that the account was suspended due to a violation of the company guidelines. Ask how did I violate any guidelines when the account was newly open and no transactions were processed outside of a deposit. The representative then proceeded to tell me that I could not have the account recovered based off of the information given. The information was true and accurate and also verifiable. I have found a complaint with the XXXX XXXX XXXX as well and continuous ly reached out to the company regarding this matter. I was given incorrect information on the executive level of PayPal primary companies for venmo. I am still attempting to resolve this matter but I have received very unconcerning responses disregarding this. My family I are currently going through a hardship and this has been a humiliating experience. I simply would like to submit whatever it is needed and have my funds released to me because there is no explanation directly as to why this company is holding my money!!
Consumer complaint received 2024-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (IA)

Venmo froze my account on XX/XX/2024, due to some sort of suspicious activity- which was Me. They said an email was sent to me asking for ID verification. I did not get this email, not in my inbox or in spam. I used both the support chat online, and called on the night of XX/XX/2024. In chat I was told I'd get an email after the chat, confirming the chat, etc. I did not get an email. Customer support said my case was being escalated to the account specialists, and that I would get an email in XXXX business days. I can not wait XXXX days, I need access to my funds now. I have to pick up my medication refill - my XXXX. Additionally, if I did not get the original email, what are the chances I will get the one I'm supposed to in XXXX days?
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIRST HORIZON BANK (AL)

We are constantly receiving calls on our land line which we do not answer from First Horizon asking for additional information to finalize our loan for {$18000.00}. We did not request a loan from anyone. I called the local First Horizon bank and spoke with XXXX. She said they have not called us and they are getting a lot of calls from people that are concerned their identity has been stolen. The voice mails I am receiving come from different phone numbers but all are asking us to return their call at XXXX. I have not, and will not call this number, after talking with first Horizon locally. Here are the dates and list of numbers requesting a call back. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All calls are asking we call them at XXXX to provide additional information for our {$18000.00} loan. 
We have no need and have not applied for ANY loan. 
All voice mails left come from the same woman or man. Not from different individuals.
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I requested the contract in its entirety. US Auto Sales has a clause stating that they would give my loan to a finance institute. Westlake Portfolio isn't a finical institute. according to the clause in my contract with US Auto Sales.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

DEPT OF ED/XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX  XXXX XXXXXXXX DEPT OF ED/XXXXXXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C. (CA)

I received a letter in XXXX stating that the law firm was attempting to collect a debt on behalf of the credit card company. I wrote a letter by certified mail saying that I would pay any debt that is proven lawful and indeed owed once provided with proof that I indeed owed the debt which was to include all invoices, a signed contract in wet ink by both parties, and proof any additional proof that I am indeed responsible for the debt they are claiming. I was sent a letter stating that the credit card company still owned the debt but they charged it off on XX/XX/2024, accompanied by a stack of statements that were paid. They failed to prove I owe the debt, that they legally own the debt to collect on it, and proved that the original debt holder charged off the debt already. Since they failed to prove this debt is valid I am asking that they call off their collection efforts, mark this debt as paid in full, and retract all negative reporting to the credit agencies.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (TX)

I have a credit card from Wells Fargo- {$800.00} limit. I transferred {$1200.00} to it from my checking account-XX/XX/2015 so as to use it for a transaction but the extra money was not showing after all. I called the bank XX/XX/2015 to transfer the {$1200.00} back to my checking, I was told that the money will show in my checking account the next day ; I waited till the next day as was told but the money was n't in my checking account so I called again that day-XX/XX/2015, I was told that they will take care of it. On Monday the following week-XX/XX/2015, I went to a shop and my credit card was denied so I came back home and checked my accounts, I did not see the {$1200.00} that was supposed to be transferred back to my checking account and my credit card had been closed. I called them and they said they transferred the money back to my checking account XXXX mistakenly and this threw the credit card account over the limit and my credit card account was closed, the reason being that I went over the limit because the bank made a mistake and transferred {$1200.00} XXXX times back to my checking account instead of XXXX. I called the bank, they told me that they will reopen the credit card account and also request from the credit rating companies to nil of this incident from my credit history. To my surprise, I called this morning, I was told that it was my fault that they transferred {$1200.00} back XXXX into my checking account ; they said because I called XXXX and requested for the transferred back to my checking account and that they did that. 
I am feeling this complaint because I feel cheated out, embarrassed at the shop and felt like this is discriminatory. 
It was not my fault that a bank will make a double transfer when I was told that I was supposed to see the money in my account the next day and when I did not see it, I called back. The transfers did not show on my checking account until the next day-XX/XX/2015, so as at XX/XX/2015, I had no knowledge that such transfers were made. 
It is all the bank 's mistake.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I'm personally submitting this complaint regarding late payment entries on my credit record. Upon examining my file, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I'm requesting your help to address and resolve this situation efficiently.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by XXXX XXXX. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX were falsely reported by XXXX XXXX. That information is INACCURATE and FALSE. I am demand that XXXX XXXX contact the ALL 3 Credit Bureaus and have the address removed immediately. If XXXX XXXX is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.