davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE WAS INCONCLUSIVE AND EVASIVE OR NON-RESPONSIVE ON HOW I SHOULD CALCULATE THE TIME I SPENT TRYING TO RESOLVE THE LOSS OF {$11000.00} IN A WIRE FRAUD SCAM THAT TOOK PLACE XX/XX/XXXX. WHEN I FOUND OUT ABOUT THE SCAM XX/XX/XXXX, I CALLED CAP ONE TO ASK IF MY ID WAS STOLEN AND WAS TOLD BY A XXXX THAT IT WAS NOT. SO I CONTINUED TRYING TO FIND MY MONEY, HOW DID THE THEFT OCCUR, WHO WAS RESPONSIBLE. I WAS IN THE STATE OF NC PURCHASING A HOME. THE CONSUMER PROTECTION COMMISSIONER RESPONDED THAT MY MONEY WAS LOST THRU AN EMAIL SCAM. CAPITAL ONE HAD MY EMAIL ADDRESS ON FILE AS WELL AS MY PHONE NUMBER. I HAVE XXXX SUPPORTING DOCUMENTS TO SUBMIT, CAP ONE WANTS TO REIMBURSE ME ONLY {$700.00}. THEIR XXXX 'S HAVE NO ANSWERS TO MY QUESTION OF HOW DID CAP ONE COME UP WITH THAT REDICULOUS NUMBER. I have over XXXX of documents, XXXX folders & over XXXX files I created in 3 years trying to find my money.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX, and I am writing to appeal the denial of my unauthorized transaction claim and the subsequent closure of my account. On XX/XX/year>, I reported unauthorized transactions on my XXXX debit card and received a temporary credit. A week later, I received a letter stating that my claim was denied and that the funds would be reversed. I believe this decision is an error. Under FDIC regulations, my funds should be protected in cases of unauthorized transactions. I repaid the temporary credit, but shortly afterward, my account was closed. I request an appeal of this decision and that my account be reopened, as I have been a loyal customer of Chase Bank for years and highly value your services. Please assist me with this matter. Thank you. Sincerely, XXXX XXXX
Consumer complaint received 2019-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority (WA)

We have submitted for mortgage assistance back in XX/XX/XXXX with XXXX who is our mortgage servicer, this was a re-application of a denial back in XX/XX/2019 telling us we do not qualify based on the calculation with the underwriter we are spending too much money monthly and the mortgage payment is affordable to our gross household income, ( is over 45 % debt to ratio income combined with my wifes and my income ) We worked with XXXX XXXX XXXX to have XXXX assist us with our loan modification paperwork, gladly she has re-submitted the file and followed up on the lender communicated on our behalf while we are at work during business hours. 

We have come across an issue today, After providing a complete file proof of {$4500.00} in funds to use for a loan modification and current income and expense financials we were denied again. We received a letter in email from XXXX which was forwarded by the XXXX XXXX Underwriter dated XX/XX/2019 reasoning all the denials and that we should proceed with liquidation options. However in the letter it does not state we can appeal the denial, and it also states we have a foreclosure sale set now for this Friday XX/XX/2019 less than 3 days from the denial. We are aware of our WA Homeowner Bill of Rights we understand timing and timelines and we have not enough time to do anything here. We communicated via email to the underwriter to XXXX XXXX, and CC her foreclosure manager XXXX XXXX and we did not get a response yet. They emailed us the denial letter which is attached in the body of her email she states we have a trustee sale already dated for this week, the letter says 19 days a required for a sale to be canceled by servicer for any other workout options. We feel that the lender is doing unlawful things here, We are not properly given a time frame for these below The Foreclosure Fairness Act ( FFA ) governs the non-judicial foreclosure process in Washington State. 
The FFA provides the timeline for non-judicial foreclosure in Washington and the responsibilities of mortgage companies and borrowers during the process. 
Under the FFA, the servicer ( the company that sends you your monthly statements ) is required to send three notices before it can foreclose on a home : 1. Notice of Pre-Foreclosure Options 2. Notice of Default ( via a trustee or beneficiary ) 3. Notice of Trustee Sale ( via a trustee or beneficiary ) We are not notified of the sale date in writing, or Notice of Sale filed, we are told in an email less than 4 days away from the denied loan decision. 

Please can you help us here, we are to seek immediate relief to allow proper timing for us to do other workout options or SS, DIL
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (IL)

This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2024-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (CO)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2023-05-22
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. (IN)

I called them at least six times since these three hard inquires appeared in my credit file. I also sent the required information to them twice & never received a response. Their customer service representatives are horrendous to deal with as their English is extremely poor which only exacerbates their mistake. My son who has a similar name purchased a new vehicle from XXXX XXXX on XX/XX/2023. That is the very day I discovered these three hard inquires that properly belong to him. They also have my sons employer name, job description, telephone number listed in my personal information as well. Transunion immediately lowered my credit score with by XXXX points as well. Which was not right at all. They know full well that this information should have not been inserted erroneously into my credit file. They failed miserably by not verifying this information.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I went on to chime to transfer a payment that my nephew sent me. I tried to transfer but mistakenly transferred money from my XXXX XXXX to chime instead of transferring the money my nephew sent me. It would not let me transfer the money back or the funds from my nephew without a chime card.i phoned the company, and was told to dispute the transfer with XXXX XXXX XXXX, and to replace the card to transfer the other amount. I did just what he advised me, and went into the chime site when I got the card to transfer the money still in the chime account into my credit union account. When I attempted to sign in it said my account was closed, and to call customer service. They said they wanted a copy of my bank statement, and my State ID front and back. I dont feel comfortable doing that, and was told the money will not be released unless I do that. I thought I would reach out to you guys to maybe get the issue resolved. Thank you!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 


SEE ATT. FOR ID Type of Business Date of inquiry Credit Bureau Exeter Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX inaccurate reporting XXXX XXXX XXXX and XXXX XXXX a financial institution by definition under that title. 

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 


The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 


15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services unless authorized by consumer ( me ) in writing " According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer.
Consumer complaint received 2023-11-15
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: Experian Information Solutions Inc. (PA)

It has been more than 60 days since I have mailed off a dispute regarding some accounts that are on my consumer reports and I have yet to receive a response from these companies which makes me wonder if they are even doing their job as described by the law. In my dispute is gave these agencies instructions to opt me out of reporting the following nonpublic information from my consumer reports. The accounts are ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Pursuant to 15 U.S. Code 6802 I am revoking any and all authorization I may have given you regarding the reporting of these accounts. This pertains to my right to privacy as a federally protected consumer and I am requesting that this information gets removed immediately as I do not want it there.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY (OH)

I have been enrolled in financial hardship program. Automatic payments were a requirement of the program and are unable to be deactivated. Prior to the automatic payment, I received an email reminder about the automatic payment. The email contains a statement that states If your account has no balance on the day of the scheduled debit, your bank account will not be debited. I interpreted this statement to mean, that if my bank account did not have funds available, that the auto payment would not be processed. However, the autopay was processed for a total {$780.00} and resulted in an additional {$45.00} in overdraft fees. Additionally, I was unable to meet other financial obligations and caused a great deal of stress unable to make basic purchases and it has put me back quite a bit. I was later told by the representative that the meaning of the disclosure is that if the credit card does not have a remaining balance, the payment would not be processed. I believe this practice to be deceptive, as my interpretation is reasonable given both the language within the disclosure not clearly differentiating between the credit card account balance and bank account balance as well as the practice of not overdrafting accounts being common within the industry ( e.g. XXXX, apps linked to XXXX, etc. ). I expressed my concern with the representative, who agreed that he understood my interpretation and apologized. I asked for the payment to be refunded, but they were unwilling to do so as it met the minimum payment requirement. I asked to file a complaint based on a UDAAP violation, but I was never contacted about the problem. 

I have since asked that future auto payments be removed, as I have petitioned for XXXX  XXXX bankruptcy. During XXXX  XXXX, i should not be preferring creditors nor making payments outside those to the trustee. Additionally, as XXXX  XXXX payments take all disposable income, the money they have taken from the account causes financial stress. I continue to get conflicting answers, and another department to be transferred to or a number to call. Another auto payment for {$68.00} has since been processed. Of all creditors, AMEX is the only one that has not stopped collection activities after my petition, although they have sent me emails regarding the XXXX  XXXX public file addition to my credit reporting.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CO)

My student loans were originally with Great Lakes. In XXXX I had a XXXX XXXX of XXXX. It dropped a little due to credit card usage from emergencies, but was still in the XXXX. When paying towards my student loans, I had been paying anywhere from {$200.00} to {$300.00} per month and usually paid that in smaller increments every two weeks. In XXXX of XXXX I checked my credit score to see that it dropped down to the XXXX. The report showed that there were no payments on my student loans. Nearly two months went by and the report showed my payments and my score went back up, but it was in the mid XXXX instead of high. This has happened off and on for the last few years. 

Nelnet took over my loans, which excited me because I was glad to be away from Great Lakes, however, the problem persisted. While my loans were being transferred, the credit report showed that they disappeared. It looked as though the loan was wiped out, which decreased my credit history. When the loans finally appeared on my report, my score did not go back up. It was recognized as a new loan. Please note, I had still been making payments this entire time. 

In XXXX, Nelnet also failed to report my payments and my score tanked to the XXXX. It is now late XXXX of XXXX and just a year later, my score is barely back to XXXX. 

I also filed disputes with Credit Bureaus to no avail.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that Experian investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Consumer complaint received 2024-06-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I was told via email I would be charged {$1.00} for paper statements. If I received them electronically there would be no charge. So I agreed to electronic statements. However I did not receive notification my credit card payment was due. Perhaps I did. But it went to the spam folder. I do not recall receiving it. Then I received notification I missed a payment. So I called to pay. But they refused to waive the Interest of {$7.00}. Even though they waived the late fee of {$27.00}. I said I would keep the credit card if they sent me paper statements without charging for them. I got this card years ago. I should be grandfathered in to receive paper statements. i pay my balance in full every Month. And I paid the balance due and asked them to close my account as it is not worth the aggravation. But I refused to pay the interest as it is not my fault I didnt receive the notice that I owed money. They said they cant waive the Interest. Which I find outrageous. They collect fees every time I use this credit card and have made plenty of money from me. And now they want to charge me for statements and will not waive Interest charges when it is not my fault I did not receive notice of a payment due. Please make them waive the interest and stop charging for paper statements. This is for synchrony bank XXXX reward card.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (SC)

After opening a checking account with CHIME, on or about XX/XX/2023, I attempted to transfer funds from my linked bank account. Chime notified me that the transaction had " failed '', and I was prompted to " try again ''. My three additional attempts were met with similar results. 

I later learned from my bank that all my attempts were successful, resulting in an overdraft fee. Chime had submitted three fund transfer requests, totaling {$1500.00}, instead of the one requested. 

Now all the funds in my linked bank account have been depleted, while I await the fate of the transferred funds. 

I request appropriate corrective action.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.