davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

ANOTHER CLASS ACTION AGAINST WELLS FARGO COMING : YOUR MONEY IS NOT SAFE. 
45 years Wells Fargo account holder. 
Inadvertently, without warning they froze my assets and closed my business accounts. The only explanation given to my business partner via telephone recorded call from a Wells Fargo executive was the following " You must be collateral damage from the account holder 's illegal actions ( XXXX XXXX XXXX ) implying I am conducting ilegal or fraudulent activity. I believe this comment was racially motivated. 
As a business owner ( XXXX XXXX ) my accounts were closed right at the time we pay the payroll bonuses etc. as well as receive direct deposits from future patients scheduled for surgery creating a real severe financial hardship on the company with this arbitrary decision with NO WARNING. 
I wire XXXX every two weeks to XXXX to fund the Hospital operation. I have been wiring money for the past 15 years. They know my business depends on these funds. 
I believe I am also a victim of racism as they clearly know Im XXXX and these funds are going to XXXX. ( My hospital is globally known and is recognized by US institutions including the UC health system ) XXXX XXXX dollars of assets frozen which paralyzed my business. 
I am seeking legal council as I have detected a longstanding customer abuse from Wells Fargo. 
ANOTHER CLASS ACTION AGAINST WELLS FARGO COMING : YOUR MONEY IS NOT SAFE. 
45 years Wells Fargo account holder. 
Inadvertently, without warning they froze my assets and closed my business accounts. The only explanation given to my business partner via telephone recorded call : " You must be collateral damage from the account holder ( XXXX XXXX XXXX ) implying I am conducting ilegal or fraudulent activity. 
As a business owner ( XXXX XXXX ) my accounts were closed right at the time we pay the payroll bonuses etc. as well as receive direct deposits from future patients scheduled for surgery creating a real severe financial hardship on the company with this arbitrary decision with NO WARNING. 
I am seeking legal council as I have detected a longstanding customer abuse from Wells Fargo. 

XXXX XXXX XXXX XXXX, FACS, 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX de XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX California , XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX , XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX XXXX XXXX, Ext XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (VA)

Santander imposed an unfavorable APR of 27 %. I believe I was targeted because I didnt have a favorable credit score as they have done with many others. Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower can't afford. ( I.E. In XXXX, Santander had to pay {$26.00} million to settle allegations that it gave high-interest loans to car buyers it knew could not repay them. ) They targeted low income borrowers and those with bad credit. 

I had a decent job with no other financial obligations. My credit improved and I tried refinancing for a lower interest rate with other companies and was denied because the loan was considered upside down, owning more than what the car was worth. Santander doesnt allow you to refinance or lower the interest rate. During the time I had my loan I terminated from my job on a few different occasions. I postponed about 6 payments due to this ( i.e. 2 in XXXX and 4 in  XXXX ). The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} had paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would be paid off. I had full coverage and gap insurance.
Consumer complaint received 2017-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CT)

The company Coinbase ( https : //www.coinbase.com/ ) has kept my " XXXX '' after a hard fork of the " XXXX '' chain. This " XXXX '' has value, they have kept me from gaining that value, by withdrawing my " XXXX ''.
Consumer complaint received 2023-05-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XXXX of this year, I applied at my local bank for a HELOC on my property. The process was going smoothly and the loan was conditionally approved. Then the title company found a lien on the property reported in XXXX  at book XXXX, page XXXX for the amount of {$25000.00} ( for Home Improvement ). According to my bank, XXXX, states that it looks like Bank of America may have paid this off - it shows a XXXX and XXXX mortgage with them after the XXXX XXXX XXXX XXXX ( which is now out of business ). XXXX needs me to provide them with something to show them that the lien ( which appears to be a equity/2nd mortgage ) has been paid off. The bottom line is that I owe no mortgage company or bank any funds - my house is paid off. I need to resolve this as soon as possible. I appreciate any help you can render at this time. Companies that may be involved with this issue are the previously mentioned XXXX, Bank of America, XXXX, Countrywide.
Consumer complaint received 2023-09-12
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. (MI)

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 Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

XXXX I tried to log into my US auto sales account to make an online payment due for XXXX. I then learned this company closed and sent all accounts to XXXX XXXX XXXX. I was not in default or in bad standing. The company did not inform me of any changes. I try to pay the payment on XXXX and it will NOT allow me to pay i get an error " generated token failed '' I have paid the same amount on the same exact bank info since XXXX i was not aware period this was happening. I now have a charge to pay the account that is new as well ... .2nd issue i have is we are not told anything about changes and the debt collections XXXX  has my payment the same, but wrapped up in my car payment i am paying for services i no longer have such as my GAP insurance and servicing fees that are no longer applicable. I am not understanding how this is legal to send my account ( hundreds of people ) to a 3rd party company XXXX warning and still charge same amount for services they do not provide. my payment is XXXX every 2wks that has built in a fee for title, GAP, and servicing. XXXX  does not provide these services so i feel it is fraudulent due to having me pay " make believe '' services and it is not " real ''. I do know i owe my car payment, but i feel legally this is not right. we should have those services taken off the amount we pay monthly due to not receiving them. I am unsure how to pay this debt collector because they state they do not have my contract and will not have my title, that they are simply there to collect debt. I purchased this car in XXXX, i have my loan amount under XXXX but this is not right. i have my car loan sent to " collections '' when i was not defaulted. What do we do for paying the services not provided. looking at my contract when purchased the car i am paying little over XXXX for these services and they are no longer offered to me at no fault of my own. The US auto sales gave XXXX warning for any of this and i find it unjustifiable to pay a debt collection on my credit report even when i did my part up until this business closed. How can i get this debt for services OFF my total payments left and 2nd how do i even make the payment if i only get " error ''. This is happening to hundreds of people XXXX  warning XXXX answers to questioned asked. XXXX had long wait times and hangs up on people while asking questions about their portfolios.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

I CONTACTED JP MORGAN CHASE CLAIMS DEPT ON XXXX TO REPORT FRAUDULENT UNAUTHORIZED SUSPICIOUS ACTIVITY ON MY DEBIT CARD ENDING IN XXXX FROM MULTIPLE COMPANIES ALL WITHIN THE SAME TIME FRAME FROM THE FOLLOWING MERCHANTS BED BATH BEYOND FOR {$190.00} ON XXXX, XXXX XXXX {$96.00} ON XXXX, XXXX {$36.00} ON XXXX, XXXX {$65.00} ON XXXX FOR A TOTAL AMOUNT OF {$380.00}. JP MORGAN STATED THEY WOULD INVESTIGATE MY CLAIMS AND ISSUED A PROVISIONAL CREDIT FOR THE ITEMS MENTIONED ON XXXX CLAIM # XXXX. HOWEVER ON XXXX THEY STATED THAT I AUTHORIZED THESE TRANSACTIONS AND THAT THEY WOULD BE REMOVING THE CREDITS ON XXXX AND XXXX LEAVING MY CHECKING ACCOUNT IN THE NEGATIVES STATUS. I CALLED JP MORGAN CHASE CLAIMS DEPT ON XXXX AT XXXX XXXX AND SPOKE WITH A CLAIMS REPRESENTATIVE BY THE NAME OF HONEY SHE DID NOT SHOW ANY WILLINGNESS TO HELP ME OR CLARIFY ANY INFORMATION REGARDING MY CLAIM I THEN ASK FOR SUPPORTING DOCUMENTATION TO BE SENT TO ME SHOWING THERE FINDINGS HOW THEY CAME UP WITH THE DECISION TO REVERSE MY CREDIT DENY MY CLAIM SHE REFUSED AND STATED THAT SHE ALREADY TOLD ME MY CLAIM WAS DENIED DUE TO ME STATING I HAD THE CARD IN MY POSSESSION. I REQUESTED TO SPEAK TO A SUPERIOR ABOVE HER TO CLARIFY SOME INFORMATION ABOUT MY DENIAL SHE PUT ME ON HOLD AND THEN STATED THAT SHE WILL NOT BE TRANSFERRING ME TO A SUPERVISOR BECAUSE SHE ALREADY TOLD ME THE REASON OF MY CLAIM BEING DENIAL JUST SUPER RUDE IT HAS ME WANTING TO LEAVE CHASE BANK FOR THIS UNCALLED FOR BEHAVIOR I FELT HELPLESS BECAUSE AT THAT POINT SHE ALSO REFUSED TO FILE A REINVESTIGATION STATING THAT THERE IS ONLY ONE TIME I CAN FILE A DISPUTE PER TRANSACTION EVEN IF THE CLAIM WAS FILED INCORRECTLY WHICH I STRONGLY BELIEVE THE CLAIM WAS WHY WOULD CHASE DENY MY CLAIM AND DENY ME ANY FURTHER ASSISTANCE AS A CUSTOMER I BELIEVE MY CARD WAS PART OF A SKIMMING DETECTION WHERE MY INFORMATION WAS COPIED AND THEREFOR MY CARD WAS USED BUT I ALSO STATED TO THE REPRESENTATIVE THAT I DID NOT HAVE THE CARD IN MY POSSESSION THAT I HAD A NEW CHASE CARD AT WHICH DID NOT MATCH THE NUMBERS OF THE CARD USED TO COMMIT THE FRAUD I WANT CHASE TO REINVESTIGATE THESE CLAIMS AS THESE TRANSACTIONS WERE NOT COMMITTED BY ME!!!!!!!
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (SC)

I was trying to buy clothes from a seller through XXXX and asked if I had XXXX to contact her on. The cost of my sell would be {$60.00}. She/he said there would be a delivery fee of {$40.00}. I zelled she/he through my banking app through zelle. They havent given my {$100.00} back after I was requesting for it last night and this morning.
Consumer complaint received 2024-02-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company (NC)

XX/XX/2023 I decided to do a refinance with my current mortgage holder ( Freedom Mortgage ) cash out equity to consolidate debts. XXXX XXXX {$320000.00} after 1 year of payments turned into {$320000.00}. XXXX was {$2300.00} interest rate 5.25 % changed to {$3100.00} interest rate 6.25 % both fixed. Always thought with VA use of the lower interest rate was appropriate. Home appraised for {$450000.00} XX/XX/2023 by XXXXXXXX XXXX XXXX XXXX XXXX  ) less than 1 year prior. Home appraised for less for the refinance. ( {$450000.00}. using their picked appraiser ) Started in XX/XX/2023 closing happened in XX/XX/2023 which I thought was way too long for a refinance. ( Kept saying I had a judgement in my county... and I did not ) Too many out of pocket expenses and hidden fees made this whole process really confusing and costly. If I knew it would cost me {$32000.00} of my equity I would never had done it with having a much higher payment on top of that. Also, I did not get enough to consolidate all the debts that I wanted to. I really feel like I have been taken advantage of in more ways than one.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (NC)

I have asked this company Harris & Harris of Illinois , Ltd to validate an alleged debt that they claim that I owe and to cease all communication with me immediately. I have never contracted with them and have no idea who they are. They have continued to contact me and harass me through mail and numerous of phone calls. They have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. 

15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
Furthermore, they do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

They are claiming to be a debt collector who have paid for my debt from another company but is also a law firm. An attorney can not be a debt collector and a debt collector can not be an attorney.

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished my account that I didn't agree upon and I didn't sign an agreement on a legal contract. A legal contract is signed by two parties and I did not participated in any of it.
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 925 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-12-15
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (AR)

I left XXXX to go to XXXX on XXXX due to terrible service. The worse in the last 20 years. I called and spoke to XXXX. I asked XXXX how much my early termination fees would be if I left that day and went to XXXX. She said {$480.00} or {$520.00}. I had her check both my number and my sons number. I also told her about a {$500.00} gift card that I was given by XXXX for bringing my own device. She said you do not need to pay that back. It is yours to keep. We even tried to make a payment on the {$480.00} or {$520.00} with that card. My first bill from XXXX was emailed to me a week after porting out and was {$1000.00}. I immediately called and asked them to escalate it to a team manager. He was rude and condescending. I asked that the transcript from that call be pulled and preserved for evidence of the conversation. He could not tell me what the {$1000.00} was for. Then, XXXX took {$1000.00} out of my checking account without approval. then the bill went to {$1400.00}. And no one could explain why. I spoke to them a dozen times after this, spending hours and hours on hold and then in discussion. During one of these calls, XXXX offered to take {$250.00} off, but I politely declined. I owe what XXXX said that I owed on XXXX. When I get a bill for {$480.00} or {$520.00} as I was told, I will gladly pay it.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (KS)

I have a business credit card through my bank that is issued by Elan Financial Services. 
This is a new account. I used Elan 's website to set up notifications and alerts. These did not work as their system was experiencing errors. I contacted their support team multiple times to reverse the late payment fee of {$39.00} and explained it was related to a system failing to work as they represented. They refused to reverse the charge. 
The {$39.00} fee was for a XX/XX/2023 statement had a minimum payment of {$110.00} due by XX/XX/2023. I paid as soon as I realized the error. I then paid the next month 30 days early. Their notification system was still showing errors at that time ( attached ). Other consumers have complained because they go to make payments on the due date only to find out you can not pay after XXXX, which is an odd rule. 
In short, I relied upon their software to send me alerts and payment due notices and it did not work and they refused to refund the fee. 
I will note that they have been migrating their software to a new system and are aware of technical issues.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations that I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 USC 6802.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I lost XXXX ( XXXX ) Months ' worth of XXXX Benefits that were SUPPOSED to be deposited into My Chase Checking and Savings Accounts due to an alleged Garnishment Lien. This was until I was able to find a bank that would allow me to open an account. I demanded Copies of the Paperwork proving the Garnishment Lien but the Chase Bank on XXXX XXXX in XXXX, Colorado Refused. In NO COURT within the State of Colorado was there Complaint for or Request of a Garnishment Lien EVER FILED. If it involved ANY student loans, I was Documented, Diagnosed AND ( not or like within the law ) Regarded as being XXXX XXXXXXXX and a Qualified Individual with a XXXX pursuant to the XXXX XXXX XXXXXXXX XXXX. I was NEVER Legally Served with a Complaint for or Request of a Garnishment Lien. The Loss of My XXXX XXXX Benefits was a DIRECT Cause to me being Evicted, the Loss of ALL My Furniture\Property with an Estimated Worth of {$90000.00}. As far as I Know, there is STILL a Complaint for or Request of a Garnishment Lien against me. It WAS ONLY after I Incorporated Myself as an XXXX XXXX XXXX did I begin receiving My Benefits.