davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (UT)

My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.
Consumer complaint received 2018-06-24
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: SYNCHRONY FINANCIAL (NY)

Looking over my credit file, On XX/XX/2018 there was a hard inquiry put onto my account. I did not authorize said inquiry with the company XXXX. This is fraud. I called the company a few months back they said they would remove It. I looked today XX/XX/2018 and it Is still on my file.
Consumer complaint received 2020-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (NJ)

Credit adds no value just raises demand curve, and assumes there is more money than exists. That's right, there is not enough money for these contracts are able to become possible. That is forced majeure before the contract even starts as you will find that unforeseen and uninformed are no different than coercion or duress in citing contracts like time-based royalty or debt invalid. Even so, what is the purpose of any law but to stop fully-informed people from binding themselves to impossible situations - intervention by creditors in the purchasing of goods by consumers is HUMAN ABUSE and certainly not good for everyone because the supply chain is like a torus. What, does share of a business ' sales from voluntary employers not return fast enough for you?
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I took a look at my Credit Report and noticed a few Hard Inquiries that seem very suspicious. I have never seen these HARD INQUIRIES and I did not Authorize my Credit to be checked in order for these Inquiries to show on my Credit report please remove them asap.
Consumer complaint received 2020-10-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NY)

I leased a vehicle with Hyundai motor finance for a period of 48 months, that lease ends in XX/XX/XXXX of this year, I made the payment to Hyundai motor finance directly from my bank account every month, I dont miss a single payment during that period. 
The point is that we were in the middle of novel Covid-19 pandemic and the XXXX XXXX  were closed, reason that not allow me to return the vehicle on time. In the night of XX/XX/XXXX they send a tow truck to pick the vehicle, I dont them money and now my credit score is ruined, because Hyundai flagged my account as a repossession with the credit bureaus, I have being hurt by that action in my credit files and in a loan that I was trying to get for my Business!
Consumer complaint received 2020-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I am completely up to date with my payments. My student loan payments with Nelnet are due every XXXX of every month. My current amount due every month is {$400.00}. 
My last payment in XXXX was on XX/XX/2020 and I paid a total of {$440.00} for the month of XXXX. 
On XX/XX/2020, I made an electronic payment of {$230.00}. My remaining balance should have been {$170.00}. Instead Nelnet is claiming that I owe them {$250.00}. 
They applied {$140.00} of what I paid to XXXX XXXX of my loan. The website acknowledges that I paid {$230.00} and it breaks out the payment as {$140.00} to XXXX XXXX and {$87.00} to XXXX XXXX. 
There is no explanation of how I owe {$250.00}. I called Nelnet and the customer service rep couldn't figure it out either. She tried to tell me that the {$87.00} was considered part of my XXXX payment. When I asked about a credit to my XXXX payment for {$87.00} she had no idea. She said it was because I've been making payments twice a month. XXXX  Something is off and wrong with their accounting system. Where is the {$87.00} I paid? Why isn't it accounted for in the system. There were no fees due and it wasn't credited to XXXX. 

Nelnet doesn't give credit for advance payments. That's a load of XXXX. There is something going on with this company that is not kosher. This company needs to be investigated and oversight needs to be done on this company. This company needs to be audited and fined.
Consumer complaint received 2018-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

I was unable to make any purchases or log into my XXXX account ( operated by Coinbase , Inc. ) on XX/XX/XXXX. I received an automated message stating that a ticket has been opened for me. I emailed again asking for a status on XX/XX/XXXX, and received another response, this time from customer service stating my ticket has been escalated. I reached out again on XX/XX/XXXX, and am currently awaiting a response back.
Consumer complaint received 2019-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Had numerous problems filing credit dispute with Equifax. Claim they were concerned with fraud which is so humorous in that they allowed so many accounts to be hacked. Finally spoke to supervisor XXXX on XX/XX/2019. She took my dispute over the phone and gave me claim number and said she would acknowledge opening up discpute by email. No email sent. Tried their dispute automated hot line which  after having to listen to all their ad hung up on me. Did if four times and got a hand up each time. Finally spoke to a rep and supervisor and both refused to send me a note, email, letter of fax acknowledging they opened up a case and the date it was opened. Very reasonable request on my part and they are robots who only read of a list of what they will do even when it has nothing to do with the request
Consumer complaint received 2020-07-02
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. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT
Consumer complaint received 2021-10-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC (CA)

On XX/XX/XXXX I sold a XXXX XXXX XXXX to a stranger for XXXX XXXX Upon sale the title was signed over to the new owner, I filled out and submitted a Release of Liability online to the CA DMV. On XX/XX/XXXX, I received a letter from a debt collection group called Finex Group, LLC Collection Services stating that I owed {$2600.00} for this vehicle, which was towed to and held at a tow yard two days after I sold it. I called Finex and explained that the vehicle no longer belonged to me and that a Release of Liability was filled out and submitted with the DMV, however they stated that they did not care and insisted that because at the time of tow the vehicle still showed me as the registered owner, that I am liable for this debt. I have since obtained a certified copy of the Release of Liability from the DMV ( attached ) which I have shown to Finex, but they continue to insist I owe the debt. I have spoken to the DMV Investigations Division Offices in XXXX and XXXX XXXX, of which representatives from both offices have informed me that regardless of whether or not I was the registered owner of the vehicle when it was towed, I am not liable for this debt since I have filled out the release of liability. During my attempts to contact Finex Group and dispute this debt, they have maintained that I owe this alleged debt, and that the amount of the debt is increasing daily due to interest. They have also threatened to damage my credit score. 

I must note that due to issues with a pending transaction with the CA DMV, the Release of Liability I originally submitted was received but not processed. It is however still shown on file as submitted, as seen on the certified copy of the Release of Liability. I have since re-submitted the original document to the DMV, and it has been processed on XX/XX/XXXX and backdated to the date of sale ( XX/XX/XXXX ). Representatives from both the XXXX XXXX and XXXX DMV Investigation offices have assured me that this is still valid proof that I do not owe this debt, as Release of Liability notices can lawfully be backdated with full validity. 

I believe that I am not liable for this alleged debt under California Vehicle Code 5602, and that the amount that they are attempting to collect from me qualifies as extortion under California Civil Code 3068 ( Section c1 ).
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2020 at XXXX, loan amount changed from {$200000.00} to {$190000.00}. Discount points were increased from 1.155 % to 1.655 % an increase of .500 %. Closing was scheduled for XX/XX/2020 at XXXX. 
We were never informed of the changes. 
Chase exception department decided the changes and timing of the changes were because our Cash to Buyer at closing was too high. There is a limit of less than {$2000.00}. When the loan amount changed to {$190000.00} the threshold for points was higher so they added the .500 %. 
Our contention is we didnt request the loan amount when applying for the loan. The amount was decided by Chase. 
Changing the loan amount wasnt a problem for us but the addition {$980.00} in closing costs, and doing so without warning was grievous. 
We did close XX/XX/2020 after going back and forth with Chase. The decision to continue with the closing was difficult but we had worked for over a month to get this refinanced closed and were worried about interest rates. 
XX/XX/2020 we emailed a package to Chase escalation department outlining our complaint. They denied our complaint. Escalation ECW XXXX
Consumer complaint received 2020-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have sent 7 previous letters to the US Dept of Education and Navient, XX/XX/2020, XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/XXXX and XX/XX/2020 that I have repeatedly made offers for settlement of the alleged referenced matter immediately upon providing me with written and legally binding assurance that they will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form with the original signed consumer contract, and if unable to provide I have requested that they remove and delete inaccurate, incomplete, and unverified information from my file and they have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate, incomplete, and unverifiable and that are in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and Regulation V, the Truth in Lending Act ( TILA ) and Regulation Z, and Fair Debt Collection Practice Ave ( FDCPA ) by ignoring my requests to make arrangements for settlement of the above referenced matter. 

Yet they have not verified or validated that this alleged debt to be in fact mine. 

They previously stated on XX/XX/2020 " The Department only provides the original promissory note to a borrower after his or her debt has been satisfied in full. '' This is in clear violation of TILA regulation Z, as this information was not advertised on the master promissory note, as according to TILA they need to provide additional disclosure, such as not being able to provide the original promissory note. 

And in violation of FCRA Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Under the FCRA, inaccurate, incomplete, and unverifiable accounts and information must be removed and deleted. 

They have previously sent a discharge letter that I ignored, because this was not my request, I asked for validation and verification that these alleged accounts were mine with evidence of the original promissory note bearing my signature, as they have failed to do. As they have also tried to re-age my account and falsely claim I made a payment on these accounts in XX/XX/2020. 

They have continued to keep these remarks on my credit report, reporting to all three bureaus that this account is verified and correct. 

I have contacted the 3 credit bureaus XXXX, XXXX, and XXXX, with all documentation and my credit reports and they have all failed to comply and ignore my request.
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXX  closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OBTAINED BY AN INDIVIDUAL WHO WAS ABLE TO GAIN ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION IS BEYOND MY CONTROL. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I placed order # XXXX for an XXXX mousseline tunic from XXXX on XX/XX/XXXX in the amount of {$900.00} and paid with my Chase debit card ending in XXXX. I also placed a 2nd order # XXXX for 3 items from XXXX on XX/XX/XXXX in the amount of {$1700.00} and paid with my Chase debit card ending in XXXX. 

I then decided to return the XXXX tunic from order # XXXX as well as one of the items from order # XXXX. I figured that it would be a good idea to save a return label for XXXX and placed both items in one box and shipped it back with the prepaid return shipping label that was included with order # XXXX. 

I received my credit for order # XXXX on XX/XX/XXXX. I was waiting for my credit for order # XXXX and when reaching out to XXXX customer service to question where my refund was, they said that they havent received the item back. My emails were never answered, and I have called numerous times the XXXX customer service line, however, they just told me that I never sent it back. 

I just tried to do a good deed and save a shipping label and therefore shouldnt lose a refund in the amount of {$900.00} due to the return warehouse workers negligence. As a side note, the XXXX tunic in size XXXX was completely sold out after I ordered it and it was on sale so not coming back in stock. A couple of weeks later I saw it available on XXXX. Perhaps it was mine which was just put back into stock
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NV)

On or around XX/XX/2020 Chase bank locked all of my business and personal accounts without notice. I have contacted Chase numerous times for explanation and they refuse to provide one. Blocking access to my accounts occurred after a dispute with a XXXX XXXX XXXX company that secured a marshall in  New York to confiscate my funds with Chase. My legal team had already blocked the marshalls activity pursuant to negotiations with the XXXX XXXX. In fact, impounded funds were initially returned to my account as part of the negotiated resolution but the account is now negative again. This is despite the fact that the funds Chase allowed the marshall to take were ineligible for confiscation. I called to ask that Chase to investigate the issues and provide documentation. I asked Chase to give me full account statements and provide reasoning behind closing my accounts while only providing me one message when I try to sign in to my Chase mobile app, Account closed due to suspicious activity. Contact Chase. I contacted Chase by phone and e-mail several times. The e-mails are never responded to. When I call the provided number for such disputes the person who answers tells me that I must receive an answer from someone else at Chase but they refuse to provide a means to contact such person. I am told that Chase is not permitted to give out this particular contact number. I still can not acquire my statements nor see my account activity and, again, Chase will not give me a reason for the account closures nor do they provide a means by which I can communicate with Chase to resolve the matter.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

On XX/XX/XXXX I changed the bank account that my XXXX XXXX XXXX XXXX used for automatic payments. I never ended the automatic payments ;  I only changed which account they are paid out of. The company is claiming that there is a one month delay in automatic payments whenever a change is made, which is disclosed in tiny print when you update your account. I did not see this note. My payment was due on XX/XX/XXXX, because of the one month delay from the change of account a payment did not occur. I saw this on XX/XX/XXXX and  immediately made a manual payment for the full statement amount. They have now assessed me a {$25.00} late fee and {$48.00} in interest. All of this occurring while I have been continually enrolled in automatic payments. I contacted the company and they are unwilling to do anything about sending me multiple form responses. Their system is clearly set up to make changes to automatic payments confusing and hope that they can then collect a late fee. I find this to be dishonest and unacceptable. I just made the same account change with another card company and there was no one month delay.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (CT)

My daughter missed her first payment to XXXX XXXX ( XX/XX/XXXX ). I found out and called XXXX XXXX in XX/XX/XXXX to handle this ( I cosigned ). The rep told me he sees it all the time, and I should just take over payments. He offered me a reduced interest rate as incentive, and I agreed. 

I made the first payment that night ( XX/XX/XXXX ) and continued over the next months as per the agreement. However, in XX/XX/XXXX I was told by XXXX XXXX that they rescinded the offer made in XX/XX/XXXX, and I was now several months late ( even though they were still taking payments directly from my account ). 

Within 2 days I paid XXXX they said was now due. In any case it was too late and they reported me as delinquent to XXXX XXXX. I wrote XXXX XXXX a letter explaining this, and they refused to remove the mark. 

They did call me between XX/XX/XXXX and XX/XX/XXXX, telling me I was late ( even though they were auto debiting the full amount from my account ). I'd call and explain the agreement, and they would apologize for the confusion, assuring me it was a system error or some such. 

I have email history from my XXXX XXXX account, which I can provide if necessary ( just need to make sure I'm not crossing legal lines in doing so ). I also have detailed notes about all of this.