davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Convenience checks — 
Company: JPMORGAN CHASE & CO. (AZ)

Statement of Facts : 1. Chase Freedom Card offered me " Access Checks '' to pay off another credit card. 
2. I called my other credit card company and asked if I could pay with this method, they said yes. 
3. I used the check accordingly. 
4. After a couple of weeks I called the other card company to check and see why the payment had n't posted. 
5. The other credit card company said that Chase had n't released the funds yet and asked me if I wanted them to run the check again if there was an error or something. 
6. I told the other company to wait until I could talk to Chase. 
7. I called Chase and told the representative what I was doing and he said that it was ok and to try again. 
8. I called the other credit card company back and told them to run it again if there was an error. 

Summary of the problems : Chase returned the check twice even though my available credit was greater than the check amount both times. This subjected me to XXXX {$27.00} check cancellation fees from the other credit card company. 

Chase needs to reimburse me XXXX fees totaling {$54.00} Even after explaining to Chase that I had called Chase to clarify the situation after the payment was delayed but BEFORE any return check charges were incurred, they were unwilling to help. The supervisor said that they can decline any payment for any reason they want at any time and that there was nothing that anyone could do about it because they reserve the right to review all payments. 

I asked if there was anything in their terms of service that excluded my method of payment. Her words as close as I can remember, " It does n't matter if our terms of service does n't say you ca n't. There is nothing in our terms of service that says we allow you to do it that way and that is more than enough. '' This is patently false and in fact the exact opposite of the purpose of terms of service. TOS in it 's simplest definition is not designed to be an exhaustive list of everything you CAN do. Instead, it is meant to outline how the respective parties ' activities are limited. Chase is the worlds largest bank. If Chase 's Terms of Service, policies and procedures are not explicitly exhaustive in their restrictions, its length and specificity shows that it is clearly intended to be. 

Their TOS does not limit me from this activity. Chase declining to release funds did cause me to incur an actionable loss and de facto violates their own policies, terms and conditions. This is further evidenced by the fact that upon my complaint they finally wired payment to the other credit card company electronically, without my signature, and with out a physical check. 

It may be a good idea for supervisors to refrain from offering legal opinions on behalf of Chase Bank. It is my opinion that this person should be coached to that end however they can do away with that suggestion if they wish. 

As this issue is over a month my only expectation is to be made whole on my {$54.00} loss without further delay.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2015-10-26
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KS)

I attempted to purchase baseball tickets advertised through XXXX. The purported seller contacted me via email and text, including instructions on sending payment through Moneygram. Long story short, she claimed the {$1400.00} I sent her, disappeared, and never sent the tickets.
Consumer complaint received 2017-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (TX)

After they called a few times I googled the number and it appears to be some sort of debt collector. They will not say why they 're calling and ask for personal information without explaining why. If I do n't answer they do n't leave a message. I have not received anything in writing about any debts owed, so if they are indeed debt collectors they either have the wrong number or have failed to inform me of what the debt is.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I feel like im being taken advantage of and being ignored of my disputes.I am not a credit repair company. I am not responsible or liable for these items. Section 611 ( a ), its is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Consumer complaint received 2016-09-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I heard the news that wells fargo banks charges fees on unauthorized opened accounts. Around year 2007, I refinanced my home mortgage and when I was about to signed the papers with the notary person in my home I found out that my refinanced bank for my home mortgage was with wells Fargo bank and I was charged a {$300.00} fee if I do n't signed up for the direct deposit to pay for my future home monthly mortgage amount. I thought at the time that was unethical practice to charge a fee just to avoid direct deposit. However, I paid the {$300.00} fee to avoid the direct deposit and to avoid holding up my refinancing home mortgage. I was not informed of the fee when I was going through the refinance of my home mortgage until the closing of signing the paper. Is this a common and legal practice to charge a fee to avoid direct deposit for future payments of a loan? Hope you can help.
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Credit & Collection Corporation (MD)

Company keeps calling my place of employment and relatives regarding a debt that I am not aware of. They have harassed family members and call a public phone line which others have access to. They leave voice mails giving my name to co-workers and say they are a debt collector.
Consumer complaint received 2016-11-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

RE : {$500000.00} Loan Requirement the Day Before Closing? 
Loan ID : XXXX Loan Amount : {$100000.00} Mortgage Consultant : XXXX XXXX XXXX XXXX ID XXXX Sir/madam : Yes it 's true. We learned about a Wells Fargo mortgage approval condition requiring we put {$500000.00} into a Wells Fargo account the day before our closing. Not only was this a complete surprise to us, it felt like blackmail. Let me explain. 

We 've purchased several homes in our lives and this one was by far the smallest. We were asking for a {$100000.00} loan for a studio in a resort area of XXXX, Colorado. We knew up-front the approval of said loan would require special approval because of the resort status but were assured that because we were putting more than 20 % down, had excellent credit and income, we were good candidates. We also had over {$100000.00} in our Wells Fargo account during the process. Wells Fargo also carries the mortgage of our current home. As mentioned, the special 'resort ' approval was n't a surprise but the fact that a {$500000.00} deposit was never mentioned until the day before closing and was conveyed as a necessary requirement for loan approval was a complete and utterly disturbing surprise. If we had known about this bizarre requirement at the beginning of this process, we would have ceased all efforts with Wells Fargo. 

Needless to say, we refused to participate in what seemed like extortion and were ultimately denied. In addition to having to grapple with this unexpected and disturbing situation, we were informed we 'd be losing our {$5000.00} earnest money because we did n't receive loan approval as scheduled. This is an issue we 're dealing with via the broker 's office but it is important you understand the full fall-out of this mishandled situation. We will be pulling our {$100000.00} in cash from Wells Fargo and putting it elsewhere in coming weeks. 

I have informed the Consumer Financial Protection Bureau and requested this matter be investigated. I 've also notified The Wells Group Real Estate Brokerage.
Consumer complaint received 2016-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC (NC)

Trans World Systems Inc. called me at XXXX on XX/XX/2016, which is past the XXXX cut off time. When I returned the call on XX/XX/2016, I was told that they have no record of my number. Regardless if I have business with them or not, they should not be calling past XXXX.
Consumer complaint received 2024-02-15
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. (GA)

I am trying to purchase a home and I recently reviewed my credit profile and noticed inaccuracies incomplete information, and Unverified accounts. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety, or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment and written/charged-off on my credit report : XXXX XXXXXXXX : Account number XXXX ( Account Charged Off XXXX  XXXX Written Off {$4100.00} XX/XX/XXXX ) XXXX XXXX XXXX : Account number XXXX ( Account Charged Off XXXX XXXXXXXX Written Off {$410.00} XXXX XXXX ) XXXX XXXX XXXX : Account number XXXX ( Account Closed as of XXXX XXXX ) XXXX XXXX XXXX : Account number XXXX ( Account Closed as of XXXX XXXX ) XXXX XXXX : Account number XXXX ( Account Closed as of XXXX XXXX  ) I demand these accounts be Deleted from my credit report Immediately. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2015-08-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

Wells fargo home mortgage is claiming I had a mortgage I never had. It was removed off my credit in XXXX from XXXX off my credit. In XXXX it appeared back on my credit from WFH ( wells fargo home mortgage ). Then was removed. in XXXX It appeared on my credit again XXXX. I called the office of the president of wells fargo. They removed it off XXXX in XXXX XXXX. Today I pulled my credit XXXX/XXXX/XXXX and they added it back on XXXX on XXXX XXXX, XXXX. This is illegal. I want this off my XXXX credit. I filed a police report ( XXXX ) on XXXX XXXX, XXXX and an Identity Theft Victims Complaint and affidavit. I spoke today to the office of the president of wells fargo and they admitted it was removed in XXXX. I want them to remove it off XXXX never to put back on again as this was not mine. The original loan on this house was in XXXX. My file has merged with another. help
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (NY)

OUTRAGEOUS. ERRONEOUS BILLINGS CONTINUE TO HAPPEN, NO AUDIT RESULTS, BUT MISTAKES CONTINUE TO " SLIP '' THROUGH. I AM NOW BEING TRIPLE CHARGED FOR A TRANSACTION CLOSING IN MY FAVOR, AFTER DECIDING IT WAS " FINAL '' IN THE MERCHANTS FAVOR. DISCOVER IS NOW GOING TO REVERSE THE TEMPORARY CREDIT GIVEN, HOWEVER WITH THIS REVERSAL, I WOULD BE ENDING UP PAYING FOR XXXXUSD AS YOU WILL SEE IN ATTACHED. PAPER STATEMENTS, DO NOT MATCH UP WITH E STATEMENT " ACTIVITIES ''. SO I AM BEING TRIPLE CHARGED XXXXUSD AND REFUNDED TWICE XXXX USD WHICH EQUALS ME HAVING TO PAY XXXX. HOWEVER, ON THE PAPER STATEMENTS I RECEIVE IN THE MAIL AND AVAILABLE ONLINE, XXXX 'S STATEMENT I WAS CHARGED MISTAKENLY BY XXXX, AND DISCOVER ALREADY REVERSED THE TEMPORARY CREDIT OF XXXXUSD BECAUSE AT THAT TIME THEY CLOSED IN XXXX ( MERCHANT ) FAVOR, THOUGH I HAD ASSURANCE FROM XXXX, THIS WAS THEIR ERROR AND I WOULD BE RECEIVING IT MY REFUND. 
IN XXXX 'S STATEMENT DISCOVER AGAIN REPOSTED THE REVERSAL TEMPORARY CREDIT OF XXXXUSD WHICH I WOULD BE RESPONSIBLE FOR. 
IN XXXX 'S STATEMENT, I HAVE RECEIVED REFUND FROM XXXX AS PROMISED BY XXXX. PLEASE LEAVE AS IS AS THIS WILL ZERO OUT. 
ON XXXX XXXX, 2016, I RECEIVED A LETTER SAYING THE CASE WAS SOLVED FINALLY IN MY FAVOR AND THAT THEY WILL BE ONCE AGAIN REVERSING THE CHARGE OF THE TEMPORARY CREDIT WHICH ULTIMATELY LEAVES ME PAYING AN EXTRA XXXXUSD THAT I AM NOT RESPONSIBLE FOR.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I submitted request to XXXX regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau . Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report.

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
3. My current address is XXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, XXXX XXXX
Consumer complaint received 2015-11-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc. (CA)

I applied for a loan with Sofi ( sofi.com ). I was approved for the loan. I have not yet signed the papers to receive the loan - that is where the problem occurred. 
Once they alerted me ( via email ) that I was approved, I logged into my online account, ready to sign the papers for the loan. 
First, SoFi wanted me to confirm my identity. That makes sense. I had gone through identity checks before, so I was expecting them to ask routine questions. They asked me XXXX questions to identify myself, and XXXX of them were routine. XXXX asked me to identify a street I have been associated with. That was routine. Another asked me to identify the type of car I had owned or leased. That was also routine. 
The third question was very strange to me. The last question asked " What month was 'A Person ' born in? " The person the question asked about XXXX my siblings, but I have no idea why they asked me about that sibling 's birth date. I have never shared a rental agreement with that sibling, I have never co-signed a loan or a held bank account with that sibling ... I have never had any credit or financial history with that sibling. 
Therefore, I do n't understand why a ) SoFi asked about my sibling when that sibling and I had no credit history together or b ) how SoFi connected my information and my sibling 's information together in the first place. How did they know to ask about that sibling? 
Just as importantly, how did they use the information they had obtained about my sibling? What if they used my sibling 's credit history ( which I am not familiar with ) to make decisions about my loan terms? 
This seems like a violation of privacy, or misuse of my personal information. 
I contacted SoFi customer support via instant messenger and the person did n't really understand my question. That was on Wed. XXXX/XXXX/2015. That person referred me to call customer support, which I did, also on XXXX/XXXX/2015. I left a message about the situation and asked for a call back, but have not yet received XXXX.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Southern Auto Finance Co (TX)

I am currently past due about 67 days on my Auto Loan. The finance company is un willing to work with me to bring it current. I have offered a payment and for them to auto draft another payment on my next payday. They state unless I pay late fee 's plus a payment that is almost {$700.00} ( one payment {$450.00} plus late fee 's on the account ) they will not take a payment from me. This extra amount over XXXX does n't even help me with the next payment. I feel that getting my account current should be more important than late fee 's. Fee 's is something we can worry about once I get the account current. I am trying to bring the account current to the best of my ability but they will not allow me to make my regular payment amount to help bring my account current to aleast take it from 60 something days past due to 30 something and another payment in a week to bring it due for the current month. They state that they do not have to work with me and they can repossess my car at 1 day past due. I have made late payments on the loan but I have not ever broken an arrangement I have made with them. I know that making late payments is n't a good thing but the finance company should be willing to work with me not blocking me from making payments my account is not charged off. They are pushing for me to give the unit back and I want to make the payments and keep it. Now they have been refusing to take a payment for a week now and with this being a simple interest loan the interest accures daily so now they also stand to collect more money in interest. How is this fair to myself ( the consumer )? I as many people live pay check to pay check but I am doing my best to work with them and pay the loan as I agreed to do and they are doing their best to make sure it does n't happen.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

i filed ch XXXX on XXXX of 2007 but withdrew it on XXXX of 2007 so it was dismissed not discharged XXXX ago equifax still keeping it on report, but info not correct. they say current disposition chXXXX, then prior disposition chXXXX i never filed a chXXXX.
Consumer complaint received 2017-03-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (NC)

I received a payday loan in XXXX of 2016. I borrowed {$200.00}. I was sent a contract ostating I had to payback {$68.00} every two weeks. I called a month ago asking about my loan amount and they told I had a second loan which I have no record of and there is no record when I login on their website. They have been charging {$120.00} every two weeks since XXXX. When I asked them to send me a contract where I had borrowed from them injure they sent me a XXXX contract again. I feel I have been taken advantage of because high interest payday loans have been prohibited in North Carolina. I am paying 708.08 % interest. Not to mention they have failed to provide me with a contract and there is no record of a XXXX contract on their site. There is no way you should be making on time payments to accompany and your payment amount is not decreasing nor is your principal decreasing over a years time.