davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-19
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IL)

Western Union send a XXXX form for the year 2015, claiming that I had work for them that year and they paid me {$1500.00} but that never happened, they report that income to the IRS, this is a fake income because I never received any income from this company in the year 2015. 
I can not file my taxes until they clean this fake information up in writing.I had send them a certify letter to ask them to fix their mistake, but they never answer me back.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I purchased exam study materials through a company called XXXX XXXX XXXX XXXX XXXX for {$200.00} on XX/XX/24 through XXXX XXXX. The company made additional unauthorized charges to my account for {$200.00} on XX/XX/24, totaling {$400.00}. I messaged them about this charge, and they claimed the additional charge was to ensure my account was legitimate and had sufficient funds. I never received the exam study materials from them, and after requesting my money be refunded to my account ; the company ceased all communication with me after XX/XX/24. The company website is XXXX XXXX XXXX  and their email address is XXXX. The phone number they have listed is XXXX. I called this number is spoke to someone and requested my money be refunded back to me. The person stated they will refund my money back within a week. I never received my money and when I called the number again, it went straight to voicemail and no one answers. 
I contacted Chase Bank to file a dispute in XXXX against the charges made to my account. I provided evidence proving it was fraudulent and some of the charges were unauthorized. Chase denied the dispute. They claim it was denied because I authorized the initial charges. I have been scammed by this company for {$400.00} and my bank is unwilling to help me.
Consumer complaint received 2024-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I tried to inquire on different programs to help due to my income and situation and they told me there was no programs. I provided them with different examples that other providers had offered and they told me there was nothing that they offer. I inquired on why my payment was differed and not communicated with my. They had no answer. I asked them for this not to happen again and as it stands now, it's deferred still. I asked about any programs and denied. They demanded and informed me that legal actions would be taken if not resolved.
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Toyota Financial sent a bill on XX/XX/2020 advising me I owed Personal Property Taxes on a XXXX. 
I do not possess the XXXX, having traded it in for a XXXX XXXX in XXXX. 
Later correspondence showed the personal property taxes for due for a XXXX in XXXX, VA. 
I do not live in XXXX, Virginia. I live in XXXX XXXX County Va and have paid personal property taxes there. 
I have never been to XXXX, Virginia. I do not do business of any kind in XXXX, Va. 
Yet. Toyota Financial will not accept that explanation and have threatened me with turning this matter over to a Credit bureau. 
My file # with Toyota Financial is XXXX I have tried to resolve this issue with them. They use the internet to correspond and accept my comments. 
Today, XXXX XXXX, I spoke with XXXX, on the Toyota phone # for consumers, and explained the problem. She said she would " try '' to expedite this issue so to avoid any collection company issues. Trying does not work for me. 
I consider this harassment. Their inability to find the right person to bill for the Personal property taxes in XXXX Virginia. Is causing me great pain and suffering. 
XXXX XXXX
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Finance of America Mortgage LLC (TX)

Contacted finance of America numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe finance of America anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.
Consumer complaint received 2019-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OR)

Veterans Affairs ( VA ) : VA Medical Care Copayment Pay.gov Tracking ID : XXXX Transaction Date : XX/XX/2018 XXXX XXXX EST Transaction Amount : {$50.00} Payment Type : Bank account ( ACH ) Transaction Status : Complete Payment Date : XX/XX/2018 Frequency : One Time XXXX/XXXX - CODE XXXX
Consumer complaint received 2021-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (IL)

The bank failed to apply the statutory provisions of payroll costs under the CARES act ( viii ) the term payroll costs ( I ) ( ... .. and ( bb ) the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from XXXX or similar compensation and that is in an amount that is not more than {$100000.00} in 1 year, as prorated for the covered period ; and Instead sought ONLY item 4 net earnings from XXXX as payroll costs ignoring the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, ... or similar compensation entirely. It also demanded payroll costs not required under SBA guidance. If a borrower is using the same lender and same payroll timeframe as it used for its First Draw PPP Loan and already submitted the required payroll documentation to the lender, no additional payroll documentation is required to be submitted [ emphasis added ] with its Second Draw PPP Loan application. 

And blamed other employees rather than explain or follow the statute.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I C SYSTEM, a collection company, claims that I owe a balance of {$310.00} for equipment that was not return to XXXX XXXX XXXX, all equipment were returned to XXXX  XX/XX/2020 I have called IC system, and ask the to send a copy of invoice due, they claimed they do not have one, this account is tie old! 

I C system repeatiadly report me to the national credit agencies. 

Thank you, XXXX
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mid-Atlantic Finance Co., Inc. (IN)

Starting in XXXX of 2020 I started getting calls everyday from a place called Mid Atlantic. They said I was behind on my auto payments since XXXX of 2020. I had no knowledge of having to pay someone other than the place I got my car from, XXXX XXXX XXXX. When I called XXXX XXXX XXXX  at the beginning of XX/XX/, they told me that my loan had never been sold to Mid Atlantic and that I still pay them. I am ahead on my payments until XXXX of 2020. XXXX XXXX XXXX also told me that they contacted Mid Atlantic to resolve the issue. I am still getting harassing calls everyday from Mid Atlantic and my credit score dropped 22 points.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

XX/XX/29 I opened a dispute claim for several charges on my account that we're not mind their policy is 90 days and if they do not hear from the consumer and 90 days that the money automatically gets refunded back to me they have not heard from the consumer it's been well over 90 days and they're still not giving me an answer their solution was to escalate they said the turn time is three business days it's way past the three business days they filed another escalation I've waited another three business days every time I call it's the same story over and over again they are not getting me my money back they are not giving me answers they're not giving me anybody I can talk to I also open another dispute for airline tickets that I paid for that I never received they denied the claim and gave me no explanation as to why it was denied I am owed almost {$6000.00} here I am sick and tired of the games they don't even speak English it's another country that I'm calling and they have no solutions for me no explanations other than they are sorry they will escalate I keep getting told the same thing over and overnight
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have opened a claim with Bank of America my phone was compromised and my XXXX XXXX was hacked and there was a transfer done for XXXX they denied my claim because I couldnt provide them proof that my phone was hacked. I am getting evicted from my apartment because of this and this sorry excuse for a bank does not care one bit bout my funds being stolen from me. I have had the claim re opened for reconsideration and that will take up to XX/XX/XXXX which does not help me now because my eviction is already in process. Please help me get my money back
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

SO I OVERPAID ON A PAYOFF WITH XXXX  XXXX  AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NV)

This is the letter I sent to Senator XXXX and XXXX Senator XXXX, thank you for investigating Wells Fargo. My issue is that in 2007, Wells Fargo issued a debit card in my name and sent it to a address did not reside at anymore. I retired XX/XX/2007 from the CID IRS. I was not living in the state when they sent this unauthorized card. I had moved to a house I purchased in XXXX. During this time frame I wanted to refinance my house in XXXX in order to get a better rate. I was denied and told that I owed Wells Fargo money I had not paid back. I contacted Wells Fargo and gave them my new address and phone number. I instructed them as to how to find out who used this card and sent an affidavit stating I had never ask for or received this card. They then started to call and threaten me to the tune of over 600 calls. This lasted for over 2 years. They then sold this debt to a collection agency in XXXX and it started all over again. I could not get refinancing for my house in XXXX and XXXX. I ended up losing both. I then had to use my 401 money I was saving for old age income and ended up having to pay penalty and additional tax rates of over {$48000.00} I would not have had to incur. Since the government has fined them, how can I apply for some of this fine for the actions they took against me and the fact that they destroyed my credit during this entire time frame. I have just now gotten a credit score that allows me to finance my current home. I would appreciate you help in this matter as I have contacted our state senator with no help. Can I fill out forms to receive some of the money back that I incurred for relating to all of this illegal activity and the ruining of my credit. The credit agencies would not help at all. Please continue to get the big brass removed or prosecuted. Thank you for all that you have been doing.
Consumer complaint received 2016-10-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

I had a mortgage through Wells Fargo for 3 years. during year two, I lost my job, due to a XXXX, and I was unable to find suitable employment that was able to pay my bills. I attempted to get a forbearance on the loan. They kept requesting documents and losing them. I demanded a different agent since the one I was talking with would n't return phone calls and repeatedly lost documents. They refused to do such, and after a year of dealing with this and other issues, they repossessed my home. At the time the county appraised my home at a taxable {$160000.00}. This played a part in a years worth of trying to recover, crawl out of homelessness, and completely devastated my credit. Wells Fargo did everything in their power to ensure that I had no ability to actually save my house, and refused to discuss options with me.
Consumer complaint received 2016-11-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MI)

I fell behind XXXX payments on my mortgage last XXXX 2015. I have paid faithfully ever since for 17 months now. Out of the blue, they have thrown me into foreclosure. They never gave me a warning. It states in the agreement, that you go into foreclosure after being 4 months late. I tried to work on my XXXX late payments last year with no assistance. I feel that they are not acting in a legal manner. I need your help.
Consumer complaint received 2019-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (GA)

In XX/XX/2019 I had a water purification system demonstration performed at my house by a awesome rep named XXXX. I was convinced after all the testing to get a system installed. I was so convinced I wanted to get one for my mom who is a XXXX XXXX military vet. I was told by someone at XXXX who called to verify my information, that in order to get both water systems that we ( myself and XXXX ) need to tell the finance company ( Aqua Finance ) that the way my house was designed, I needed two systems. When Aqua called they didnt bring up the issue of 2 systems. I had my system installed and scheduled the demonstration for my mom. She had to reschedule the demonstration due to doctors appointments. She was notified during this time that she had to have XXXX immediately. After further thought, my mom decided not to have they system installed because extra funds were going to be needed for her care. I contacted XXXX to advise them that we were not going to get the 2nd system installed at my moms. I was told that my 3 days had passed and there was nothing that could be done because the finance company wasnt going to make any adjustments. I contacted Aqua Finance who stated they couldnt resend the contract but XXXX can call them and make an adjustment to my account. XXXX refused. They actually became very nasty. I was told that they could drop the system off and I could try to sell it to get my {$8000.00} back. They said that IF they made any adjustments I would have to pay the fees associated. I said ok, how much are the fees, she said at least {$4000.00}. I laughed and asked why would I have to pay {$4000.00}? She said because commissions were already paid and fees were already paid to the finance company. I said it would be like any other company that makes returns/adjustments to commission checks and financing companies and I refused to accept that offer. We argued for weeks over this. When I said I was going to contact Aqua Finance and dispute the amount with them, I was told that I would be jeopardizing my financing and that Aqua could void the entire contract then the {$15000.00} would become due immediately and they ( XXXX ) would be calling me for a check or credit card for the full balance! What makes this situation even worse is the scare tactics they tried to use. I have made my payments to keep the account current until this issue is resolved. I was also told that I received extra discounts on my system because I was getting 2. I advised that the extra discounts went to the second system because they gave my mom a senior discount and military discount. My system had its own discounts. 

I will also be making a CFPB complaint, FTC complaint, AG complaint. They have also violated the FDCPA!
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

I paid {$2000.00} of my Paypal Mastercard XX/XX/2018. While the card issuer accepts this, as of XX/XX/2018 the amount has not been applied and I'm told it takes 7 days. This is an unnecessarily long delay since the money has been paid by my bank XX/XX/2018 and results in the bank/credit card company holding {$2000.00} interest-free and denying my use of the funds with my credit card because they keep it unavailable.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Credit Karma (MS)

I am a Credit Karma member and I would be sent pre-approval cards, personal loans and car reduction loans and after I applied I would be denied everytime. This was done through XXXX - XXXX, and this only lowered my credit score each time I followed Credit Karma suggestions and pre-approval offers. I continue to apply for the pre-approval credit cards, personal loans, and car reduction loans and my credit score just continue to drop and I just say for get it because at one point I had not missed or had a late payment on anything and my credit went from XXXX to XXXX. I worked hard to get my credit score to XXXX, without using any advise from Credit Karma and when I started trying to to do all the pre-approval offers that's when everything went down hill and I have been mad every since. I didn't know that I could do anything about this until I read online about FTC filing lawsuit against Credit Karma and that consumer 's could file a complaint.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (MA)

XXXX XXXX continues to show my account as late, as of XX/XX/2021. I have confirmation of payment in writing from them from XX/XX/2021. I have opened a dispute, but they refused to fix the errors. This has caused my credit to drop 45 points as they have it incorrectly marked as " currently late ''. They also have it marked as overdrawn/overused, but the amount I paid on XX/XX/2021 should have brought that carrying balance well below my limit.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Complaints Department : Please refer to my complaint regarding Bank of America 's failure to protect consumers and hosting a fraudulent beneficiary company. 

My Case : I was put in touch with a merchant called XXXX from XXXX XXXX who falsely presented the company as a financial investment firm. XXXX was very persuasive and enthusiastic and made a lot of promises about lucrative investment returns at low risk. He was very convincing and friendly so I decided to give it a try. 

I made my first deposit of {$48000.00}, via online banking on XXXX XX/XX/XXXX, to what I believed was a genuine investment to a real investment company which was authorized to operate in the USA. 

This company had provided me with an online passcode to their website to what was allegedly my trading account. 

I made nine transfers to this company from XX/XX/XXXX through XX/XX/XXXX, aggregating a total of XXXX The online software was working well and on paper my account had grown profits. It all started going downhill when XXXX had to go away and put me in touch with his colleague XXXX. XXXX lost almost everything in the account after 10 minutes of him taking over my account!! When I got in touch with XXXX after this, he claimed that XXXX was fired for losing my money. But in the aftermath, I have not gotten my " invested '' money back. Instead, I was told to invest more money. 

I later discovered that the company is not even licensed to operate as a financial institution in any country, rendering their services as a fictitious cyber fraud. 

This money that was lost is 70 % of my savings and was supposed to be for my retirement, causing me XXXX  and XXXX. 

I have been in contact with the XXXX XXXX, Bank Of America, but so far they have ignored my pleas for help and have not closed the fraudulent beneficiary company 's account.