davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I purchased a vehicle through Credit Acceptance and it seems I paid double the amount I agreed to. The vehicle was for {$18000.00} I paid over {$30000.00} total XX/XX/XXXX I agreed to {$490.00} a month, {$2500.00} down. XX/XX/XXXX I still owed {$14000.00} after being on time and not missing payments. I paid it off but I feel cheated
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Specifically : 1. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) ** : They have not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) to verify the debt. This lack of validation renders the collection entry on my consumer report inaccurate and unverifiable. 2. **Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) ** : I have not been given a chance to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). As a consumer, I am entitled to dispute the validity of the debt before any collection activity is reported to consumer reporting agencies. 3. **False, Misleading, and Deceptive Practices** : These actions in placing this collection on my consumer report without proper validation and without providing me an opportunity to dispute the debt are in violation of my consumer rights. These actions are false, misleading, and deceptive, constituting a clear violation of the FDCPA. 4. **Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) ** : They have no authority to furnish any account to consumer reporting agencies.
Consumer complaint received 2024-08-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I owe over {$220000.00} in private student loan debt from my studies at XXXX XXXX  from XXXX through XXXX more or less. These loans were predatory in the sense that I was promised a job since all professors from the XXXXXXXX XXXX XXXX were also lawyers and most had their own practice. My counselor at the time had me signing for private student loans and would simply just tell us to sign the form under the pretence that this would guarantee a high paying job and using the XXXX  since they are a XXXX school and utilize that as a tool for us to trust enough to sign without having to read anything. Paperwork was always done in the counselors office and he had it ready only for signature and nothing else. I was working for the state during my studies there and wasn't making enough money so I trusted their promises to guarantee a job with a professor then found that it was all a lie and there were many of us that were all promised the same. on XX/XX/XXXX I filed a " borrow defense discharge '' application # XXXX, with studentaid.gov, based XXXX same information I just described. On the Navient site under Private Student loans, they offer the ability to apply for something similar and refer to it as " school misconduct '', so I called to let them to ask XXXX an application as they direct on their site, and when I asked the Rep she said that I didn't qualify for it without gathering information or giving me a simple explanation. I asked her how she could know that since I hadn't even had a chance to apply which was contrary to what they advertise on their own site, and asked what their process is for someone like me who is claiming school misconduct from the school that the loans I owe are from ( XXXX XXXX  ). She couldn't or simply didn't explain why I couldn't apply or give me any guidance whatsoever on how to dispute these loans, although the Navient site offers this in writing. Please help! I am a victim of school misconduct and Navient just wants their money and I need help.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (FL)

Beginning in XX/XX/year> I became a victim of a multi-layered crypto currency trading platform fraudulent scam, that was advertised on XXXX. 

In the beginning, I sent small amounts of money through XXXX XXXX XXXX, and XXXX to a platform call " XXXX XXXX '' with website of XXXX  Then on XX/XX/year>, I sent from XXXXXXXX XXXX two wire transactions of {$25000.00} and {$13000.00} to XXXX Kraken/ Payward Ventures . Soon after, I learned that I was a victim of a money laundering scam. Had I known, I would never have pursued this path. 

I transferred the money to pay XXXX XXXX so that I could withdraw my winnings over {$120000.00}. I transferred the {$25000.00}. I was not able to send the {$13000.00} balance. 

Immediately after sending the {$25000.00} Kraken notified me by email that they will be closing my account and I should remove all money within 3 days. Kraken returned my {$13000.00} wire transfer. I closed my Kraken account.

Kraken had the opportunity to hold or cancel the suspicious transaction. They could have done more to protect me and my money from money-laundering and falling into the hands of criminals. Had I been advised of the situation, I never would have made the transaction. 

The XXXX Kraken/ Payward Ventures must do more to protect " gullible XXXX  '' from being scammed out of their cash.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

Under the Fair Credit Reporting Act ( FCRA ), a permissible purpose for accessing a consumer 's credit report is crucial to ensure that credit reports are used appropriately and legally. The FCRA outlines specific conditions under which a credit report may be accessed. If a credit report is accessed without a permissible purpose, it is considered a violation.
Consumer complaint received 2024-06-22
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. (CA)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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: TD BANK US HOLDING COMPANY (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX Concrete FCU v. XXXX, XXXX Haw XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (RI)

I requested reimbursement from my account to pay for XXXX XXXX XXXX premiums. 
The premiums are {$170.00} per month. I requested for XXXX  months ( XXXX, XXXX, XXXX, XXXX ). 

Request = {$690.00} ( {$170.00} per month x XXXX months ) They paid {$300.00}. I have no idea where this number came from as it is not a factor of {$170.00}. They can't tell me why they paid that amount. 

My statement from XXXX Bank states that {$690.00} was paid. 

When I call the support desk they have no idea where the {$300.00} number came from or what I need to do to get the rest of the $ paid. They speak to their support team who has no idea. There is no supervisor to speak to. 

I am very concerned that this bank has no idea what they are doing. I have $ XXXX + in my account and am not confident it is secure and that the bank has the right support team and processes in place.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2024 I received a texted from XXXX that deposit of {$1000.00} was deposited into my account at XXXX XXXX. I was leaving for vacation out of country next morning therefore I called my bank which is TD Bank on XX/XX/2024. I explained I received a large sum of money from someone I do not know and was not expecting this money. A claim was made with my bank ( Claim # XXXX ). The money of {$1000.00} was removed from my account on XX/XX/2024. 
I received an email on XX/XX/2024 that my XXXX account was suspended. I reached out to my bank and they explained to me there was a fraud charge of {$1000.00}. There was no fraud charge since I did not send this money and this money was removed from my account. I reached out to my bank today and received notice from my bank that they are unable to unsuspend my account due to a fraud charge on my account of me receiving the amount of {$1000.00}. This money was removed from my account as I reported this to my bank. 
My bank explained to me there is nothing else they can do.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (FL)

I tried to open a chime account the other night and I kept going through the whole thing name date birth social security number address I kept doing it over and over again I can't make me do the same thing all over again name date of birth address social security number permission to run the social so I finally got in touch with someone and she said that there's an account open to my other email which I can believe I've had so many phones stolen I'm a victim of cyber gangster okay and I can't get into that email but instead of letting me open a new account she said I can try to get into the other account that somebody else open why would I want something else open what did they do I mean they didn't open it obviously some kind of financial gain so yes I did want to open a chime account but I wanted to open it the email I wanted to open in and I want to know what was the point of somebody opening a chime account for if they didn't use it and why would I want to be connected to a fraudulent account I think they should have closed it and then offered to open me a new one and cuz I didn't do it
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVY FCU - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, {$93000.00} was accidentally wired to Wells Fargo. I was closing on a house in XXXX. The wire was meant to go to the title company. Instead it went to an account at Wells Fargo, their XXXX XXXX  XXXX. My bank, XXXX XXXXXXXX XXXX had auto-filled the account line. I immediately phoned my bank, I also wired a second {$93000.00} to the title company believing I would immediately get back the funds from the first wire. 
My bank issued a recall. That was two weeks ago and Wells Fargo has still not responded. Im told by my bank that Wells Fargo cant locate the recipient of my funds.. Wells Fargo has refused to speak with me. I have made multiple attempts. 
After days if not weeks of XXXX investigative work on my part, I finally discovered the name and location of the recipient. On XX/XX/XXXX I had wired funds for another closing in XXXX XXXX ( XXXX XXXX XXXX ). It went to an account owned by the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX The account and routing numbers exactly matched the XXXX  and XXXX XXXX thaXXXX XXXX  XXXX XXXX had auto-filled on XX/XX/XXXX. I phoned XXXX XXXX XXXX. THEY HAD RECEIVED MY {$93000.00}. Attorney XXXX told me that they had rejected the funds and sent them back to Wells Fargo. 
Wells Fargo is lying about being unable to find the recipient and they are refusing to return my money to me. In the meantime, my bank, XXXXk XXXX XXXX, say they cant phone Wells Fargo. All they can do, they say, is issue a recall which did no good. 
This is an extreme financial hardship. I am in retirement; losing over {$93000.00} is not an option. I dont know where to turn. I have visited branch offices of both banks in my area, the title company and the police. I have called numerous people in the court system here. 
I ask that you intervene on my behalf and XXXX  Wells Fargo to return my money to me. I have all of the relevant account numbers, XXXX XXXX #, case #, and addresses of the entities involved. I am happy to share my research with anyone who can help me. 
Thank you.
Consumer complaint received 2024-08-01
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: NCB Management Services Inc. (TX)

On all XXXX major credit bureaus the original creditor sold the debt and is still reporting and the collection agency is also reporting the same account. A dispute was made to each of the credit reporting agencies and they only update the original creditors account to purchased by another lender. This is double jeopardy and affects my credit as if I have more negative accounts than I do. Here is the information from my reports on both of the reporting companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF NCB MANAGEMENT SERVICES XXXX XXXX ) XXXX Account XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor XXXX XXXX XXXX Completed investigation of FCRA dispute-consumer disagreed XXXX XXXXPLACED FOR COLLECTION<
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP (SC)

I have gone through a hardship ( Divorce ) I was awarded the home that I currently have a mortgage on.. I was ordered by the court to assume the loan and have my wifes name removed from the loan.. 
I checked with my mortgage company and they said the loan was assumable.. 
I filled out the assumable loan package that they sent me..they sent me a bill for the application process..I paid it..they immediately denied the loan and when I questioned why, they gave me multiple reasons, which changed over time. They eventually sent me a letter stating that I couldnt prove my residency or my income. 
First off..the original loan that Im trying to assume is a second home loan. 
They said I had to change it to a primary residence loan, which I didnt think that they could change the terms of the loan..I was simply court ordered to remove my ex wifes name. Having said that..the home would qualify as my primary residence anyway..as it is my only home..and my drivers license..all of my vehicles are registered to that address..my voting district is there..and I pay all local, state, and federal taxes to that address..I do have to commute back and forth to work once a week which is XXXX miles, but, that is the hardship of a divorce and I have driven this commute for 6 years, and only have 2 more years till retirement. 
The other reason was I could not prove my income. Which I have sent them both W2s and 1099s.. of which I pay both State and Federal taxes on with years of tax records. 
I have spoken with XXXX XXXX and they have filed a claim on my behave and have been working to get resolution to this matter.. I am now in contempt of court and need assistance in resolving this matter.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo ran promotion ending XX/XX/year>. XXXX {$25000.00} for 3 months and get {$520.00}. 

The account is still active with the deposit. 

On XX/XX/year> I opened an account with and deposited {$25000.00} on XX/XX/year> after opening a platinum saving account. 

To date I have not received the promotion. 
For all of XXXX, I have called the branch XXXX where I opened the account and for a month I was given the run around with no response. 

XX/XX/XXXX. I have been calling Wells Fargo complaints department and they have not resolved the issues or provided a response in 12 days
Consumer complaint received 2024-08-01
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: Exeter Finance, LLC. (TX)

On all 3 major credit bureaus the original creditor sold the debt and is still reporting and the collection agency is also reporting the same account. A dispute was made to each of the credit reporting agencies and they only update the original creditors account to purchased by another lender. This is double jeopardy and affects my credit as if I have more negative accounts than I do. Here is the information from my reports on both of the reporting companies. 

EXETER FINANCE LLC ( XXXX ) XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF XXXX XXXX XXXX ( XXXX ) XXXX Account XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor Exeter FINANCE LLC Completed investigation of FCRA dispute-consumer disagreed ; >PLACED FOR COLLECTION<
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

Dear XXXX XXXX XXXX XXXX ; CitiBank ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

My chase checking account was compromised some how. I was in XXXX at the time. Phone and bank card on person. But I noticed that there was an XXXX withdrawal make to my account. I notified the bank. But it seemed like the representative I was speaking with caught an attitude because I mentioned the activity in my account. She hung up. Two days later my card was off and both of my external account. ( XXXX XXXX and XXXX XXXX ) We're both overdrawn by the bank. I received no help. They didn't fix the problem and they closed my account. My loosening {$3500.00}. Out of my account all for no reason. Can I please get some assistance please .... thank you
Consumer complaint received 2024-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK (TX)

Midland mortgage refuse to release funds for mortgage payments due to I am paying my insurance and asked that the insurance is removed from their escrow. They refuse to apply XXXX payment of {$710.00} less insurance escrow amount. They are holding funds and threatening foreclosure for failure to release funds and payment for mortgage payments.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi capital one closed all my credit card account on XX/XX/year>. They refuse to provide me with a reason other than I am using my cards other than what they intended for. I am specifically concerned about my capital one venture x card which had a balance of XXXX points. Capital one refused to allow me to use my points ( either for {$10000.00} worth of gift cards or to transfer to an airline or partner ) instead they forcibly redeemed them for me for a statement credit of {$5300.00}. They also have refused to refund my {$390.00} annual fee.