davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (TX)

I have a XXXX XXXX XXXX company. And I decided to use wise ( formerly known as transferwise ) to transfer {$21000.00} to my overseas supplier for the goods purchased. 

I completed the forms as described, and the disclaimer was informing that it takes 1 business day. I wired money to wise 's XXXX bank account from my XXXX bank account, and they were supposed to wire this money to my overseas supplier ( this is how wise operates in the XXXX ) as soon as they receive the money. 

Then, however, they sent me an email saying 'Weve received money for your transfer of USD to XXXX USD. But we couldnt confirm that it came from you. ' And they asked me to provide additional documents showing I own the bank account the money was sent from. In only 1 minute, I provided all the documents ( wire details, bank statement etc. ) which prove I am the sole owner of the account and my company, I wired the money etc. 

Then they did not take any action, and remove that transaction from my dashboard. It was pending before, now it shows nothing as if I did not send money to transferwise. They were supposed to solve it in 1 day ( as they stated so ), not they are saying it may take up to 3-5 working days to verify the documents. I say if you are not wiring it to my supplier, I want my money back and they are not even answering this request. 

This company keeps giving wrong information, holding my money and blocking my business ' operation. If I can't pay to my supplier today, it will be a late payment and I will fail to make required payment on our debt. 

With their way of fraud, they harm my and my company 's financial and reputational health. I believe CFPB should take an action against such companies, holding our small and family business owners ' money for no reason. They are not verifying the account ownership, they are just ignoring my emails, extending the time and keeping the money in their own bank account. 

They keep providing conflicting information ( 1 working day suddenly becomes 5 working days ). That is why I wanted file a complaint against wise.com. The existence of such companies causes the confidence in the whole sector to be shaken. A financial services institution that constantly provides conflicting information is causing the suffering of its customers.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Through the early warning company, a report was made about all of my banking information. With this report, it was discovered that someone created some sort of USAA account with my name, date of birth and Social Security number. This account was closed and purged, causing my Social Security number to be put on a do not open list for all banks.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

XXXX XXXX : {$340.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED i would like this account to be removed from any credit bureau it is reporting to
Consumer complaint received 2024-03-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I have had a Chase Amazon Visa credit card issued by XXXX XXXX years ago. I made many purchases through XXXX over the years. In 2022 I made the huge mistake of accepting the 30 day trial period of XXXX XXXX streaming video and reduced shipping charges and used my card to pay for a second month. Then I terminated the XXXX portion of XXXX. During last fall, the XXXX monthly subscription charge was put onto the card without my permission. I saw this in emails. I called the number on the Chase Amazon Visa card and was asked by menu if this was a XXXX problem. Got in touch with XXXX and the XXXX account charge was reduced to half the billed amount. I wanted it all removed. I called Chase card customer service. I got the rest of the bad charge taken off the card billing. Next month, it happened again, another monthly subscription charge to XXXX. Again I called XXXX and half the charge was removed. I was issued a new card, new number. I guess XXXX and XXXX were notified of the card number change. Again I called and I was transferred to Chase customer service. I explained the repeated bad charge, and again all was removed. I got another card from Chase, another Amazon Visa. Next month I had to go through the process twice more, about a week apart. I submitted a complaint by email to Investor Relations at the corporate offices. I think it must have been passed around. I got a call from someone at " Executive Customer Service ''. I explained, and I was assured it would not happen again. I made sure that it would not by removing all payment options from my XXXX account. And I do not use the last issued Chase ( No longer " XXXX '' but maintains the smiley logo ) Visa card. So I can no longer buy anything through XXXX. Onwards to XXXX, XXXX, XXXX, etc. Through my extensive efforts, I lost no money. But I have no doubt that thousands of others have.
Consumer complaint received 2024-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (CA)

Hi, I received written notices from the company 'Coast Professional , Inc ' ( XXXX  XXXX forth ) that I had an XXXX debt from my time in the XXXX, I knew of the bill and personally had it XXXX in XXXX by my former XXXX XXXX XXXX I sent an XXXX on XXXX to XXXX in order to dispute the debt when I XXXX received XXXX notice by XXXX but the company never replied. While applying for a XXXX in XXXX I found they XXXX a debt to my XXXX XXXX. I called the company on the XXXX and sent proof of the XXXX  of debt, I called again on the XXXX and they still refuse to remove the debt. It's now XXXX weeks after submitting proof of the debt XXXX with no answer from XXXX.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (WI)

A back ground check was requested and submitted on XX/XX/XXXX to XXXX. The search dates for this back ground check dated back to XXXX of XXXX charges from XXXX & XXXX appeared. The date of the search is listed clearly, the dates of the offenses are listed clearly. This error has affected my eligibility for hire, I have sent emails and texts. I will call the third party who furnished the report Monday, XXXX XXXX  XXXX. 

I haven't received anything helpful back from the hiring or screening companies as of yet. ( XXXX XXXX XXXX. ) Lastly, I have not been notified as to what necessities of the job my history conflicts with and feel prejudiced. I would appreciate any aid, this position is very important to me.
Consumer complaint received 2024-03-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (VA)

In early XXXX of 2024 I opened a CD in the amount of $ XXXX dollars with Chase bank. Late XXXX I noticed this CD was no longer showing up on my Chase app so I went online via my personal computer and had the same issue. I sent a secure message online and also called Chases customer service up and they could see the XXXX but said there was an issue with it and they couldnt tell me what the issue was but that someone would call me yesterday XXXX at XXXX to let me know the resolution. I expressed concerns that no one at XXXX had proactively contacted me to tell me that there was an issue and that my funds were no longer there. I spoke with XXXX XXXX representatives later in the day yesterday. Neither of them could tell me what the issue was or the timeline for resolution. Today XXXX I received a message via the portal that the issue was solved, but when I looked at my account the funds shown in the account had $ XXXX missing. ( The account only had $ XXXX not XXXX in it ). I sent another secure message about this but am very concerned that XXXX is either negligent in their banking and customer care or intentionally stealing money from my account. The problem has still not been resolved despite me spending hours on the phone trying to understand the issue. Needless to say I have XXXX faith in Chases ability to securely hold my money and need help ensuring my funds are restored.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

The company has completely ignored my demands for validation of the alleged debt they claim belongs to me and has instead sent me a paper instructing me to file a fraud claim with the original company when I sent a certified letter asking for validation of their claims. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report, even after I directly disputed the ownership. I am now forced to pay more money to file a civil lawsuit in my local federal court for damages and direct violation. This company has repeatedly violated my consumer rights and ignored federal law costing me loss opportunities, time and money.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

This is a complaint against Nelnet. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from Nelnet to XXXX. I received 2 letters from Nelnet ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted Nelnet upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in XXXX DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
***The U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/year>. **** This report made by Nelnet to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

Around the first week of XX/XX/XXXX, we received XXXX letters regarding some products and services with Wells Fargo that we NEVER knew or had any business with. They sent XXXX small checks for interference and any bad causes they may have. They promised that we would receive the checks in 30 days. Well, that never happened. It took over XXXX months for us to see all XXXX checks. 

Here recently, we got more letters with Tracking Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she advised that for the inconvenience and wrongful transactions, Wells Fargo will mail out an additional XXXX {$1000.00} checks, each tracking number. XXXX stated that on tracking XXXX XXXX we needed to speak with XXXX XXXX XXXX XXXX XXXX XXXX 

Well, I did speak with XXXX many times, and for some reason, we went back and forth trying to connect with my Wife so she could ask her any additional questions she needed. 

Here is the BIG problem we had with XXXX XXXX ( Wells Fargo Agent ) : how rude she was and how she hung up on us on XXXX XXXX XXXX XXXX XXXX XXXX  needs to be coached or fired from her post. 

We are trying to settle tracking number XXXX, my Wife 's case, with the XXXX XXXX. 

I would appreciate it if a supervisor could call me directly XXXX XXXXXXXX. 

That is why Wells Fargo is making the news, being sued, and getting closed out. They are not doing the right thing, and they are making illegal transactions to meet their bottom line.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (MI)

Dear Affirm Inc, I am writing to express my deep concern regarding the lack of information and communication provided by your organization regarding the alleged debt on XX/XX/2022. Despite my numerous attempts to obtain details on how to pay off alleged debt, I have been met with silence and a lack of cooperation. 


As a consumer, it is my right to receive accurate and complete information about any debt claimed against me. I have made diligent efforts to seek clarification and understand the nature of the alleged debt. However, your agency 's failure to respond or provide any relevant information has left me in a state of confusion and frustration. 

Therefore, I kindly request that if I do not receive a satisfactory response within 10 days from the date of this letter, you promptly remove the alleged debt from my credit report. The lack of information and communication from your agency has already caused undue stress and frustration, and I should not be penalized further by having an unsubstantiated debt negatively affect my creditworthiness. 

I expect your full cooperation in resolving this matter promptly and in compliance with the applicable laws and regulations. Please provide all correspondence and documentation to the email listed. 

Thank you for your immediate attention to this serious issue. 

Sincerely, consumer Email : XXXX XXXX
Consumer complaint received 2016-11-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (GA)

I was contacted several times within the last 2 months from some XXXX person about i won so much money my XXXX this call was similar I also spoke with XXXX XXXX and XXXX XXXX who was very rude while I was trying to collect information about this bogus account XXXX XXXX even referred to me as a female quite a few times they ca n't inform me the number to the place they claim I own I also asked them to produce something I signed saying I would pay them here is the information I did obtain hope this helps Credit control llc XXXX $ XXXX XXXX XXXX
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX 2016 I had some fraudulent activity against my credit card. After contacting their fraud department, they attempted to remove the fraudulent activity from my card, but only removed part of it. 
After contacting them a second time, they successfully removed the rest. 
A month later I look at my account only to find out that someone put all the charges back on. 
One of their fraud agents saw they credited the card that was cancelled ( as well as the correct card ) and put the charges back on my current card, essentially putting all the bad charges back on. 
I have spent many hours on the phone, and they acknowledge the mistake, but over the last month and they have only removed part of the charges. 
I have spent over 5 hours on this and they keep telling me they will put someone on it to fix it, but every week, it 's still the same.
Consumer complaint received 2016-10-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I purchased a XXXX 2 years ago. The loan needs to be looked. The lender is Capital One and the dealer is XXXX XXXX XXXX XXXX. The deductions for m, y trade in and the thousands of dollars in case I pt down were not applied correctly. I paid over XXXX for this vehicle, and have a XXXX dollar payment every month. The SUV has a loan balance of XXXX or so as of now. I was charged extra in fees and also given a higher interest rate, when it should have been lower. I lost my job and juts started working in XX/XX/XXXX. They say they have extended my loan but now Capital One is charging me excessive payments of XXXX and above. The interest on these payments seems higher as well. If I do n't pay I get threatened with repossession.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I would like to report XXXX student loan provider as a bad actor in reporting false information to the major credit bureaus Experian, XXXX and XXXX. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from XXXX that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was approached by a fraudulent company XXXX XXXX posing as XXXX XXXX XXXX, legitimate loan company.They offered a line of credit for my business. They had my banks statements and all my companies info. We were looking for a long term loan and had applied so we thought it was legit. it was not, It was a scam and I wired {$23000.00} on XX/XX/2024 soon after they stopped taking my calls and never provided any funding at all, when I realized it was a scam I called JP Morgan chase and informed them that it was a wire fraud for a payment to a fraudulent company that was posing as XXXX XXXX XXXX and if they could try to retrieve the funds I spoke to Chase on XX/XX/2024. Chase said wires were final and would try to contact XXXX XXXX XXXX the recieving back and see if the would want to return the wire. A week passed and nothing so I called chase again and was informed my claim was denied and there is nothing they could do. I called XXXX XXXX XXXX and they said chase never reached out and all they had to do was request a Harmless Hold on the receiving account while they investigated. Chase denied my request a third time. They are unwilling to help recover the funds that were clearly fraud.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

Request for Processing Debt Security and Assistance with Debt Discharge and XXXX Dear JPMorgan Chase, I trust this leYer finds you well. I am wriWng in response to your leYer dated XX/XX/XXXX, regarding Reference Number XXXX, associated with my business, XXXX XXXX XXXX XXXX XXXX 
Firstly, I acknowledge that the iniWal documents I submiYed were incorrect. The first document reflected an amount of {$150000.00}, while the second document, now established as a promissory note, correctly represents the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {>= $1,000,000} ). I have confirmaWon of the receipt of this promissory note through registered mail, as verified by XXXX, who informed me that it was sent to the appropriate department for review and subsequently denied. 
I would like to bring to your aYenWon  the legal implicaWons of refusing my tender of payment, as per the UCC 3- 603. TENDER OF PAYMENT. By refusing the tender, you may be in default, leading to the discharge of the obligaWon of an indorser. I have sent the instrument in good faith to discharge a debt, and the refusal of payment has triggered this legal consequence. 
Furthermore, I draw your aYenWon  to the UCC 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. This secWon emphasizes that a person enWtled to enforce an instrument may discharge the obligaWon of a party to pay by intenWonal voluntary acts or by renouncing rights against the party through a signed record.

AddiWonally, the trust agreement between the Small Business AdministraWon and JPMorgan Chase, specifically on pages XXXX, XXXX, and XXXX, outlines the obligaWons and responsibiliWes concerning distribuWons, registraWon of transfers, and the fiduciary duWes. It appears that there may be non-compliance with these obligaWons, potenWally violaWng the trust indenture act of 1939 and regulaWons under the securiWes exchange act. 
In light of these concerns, I request your immediate aYenWon to the processing of the debt security and assistance with the debt discharge and renunciaWon. I believe that a fair resoluWon can be achieved through open communicaWon and cooperaWon.

I appreciate your prompt aYenWon to this maYer. Please provide a comprehensive response at your earliest convenience. 
Sincerely, XXXX XXXX XXXX