davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (CA)

On XX/XX/year>, I initiated a transfer of {$100000.00} to XXXX for an urgent personal matter using xe.com ( now operating under the legal name XXXX XXXX XXXX XXXX, previously known as XXXX XXXX XXXX XXXX XXXX ). Unfortunately, the funds did not reach the intended destination bank. Xe.com has been unable to provide a destination reference number or any concrete information about the whereabouts of the funds. Subsequent requests for a refund or recall of the transfer have also been unsuccessful, with xe.com unable to trace the transaction. 

I urgently needed these funds for personal matters in XXXX, so I sent them before my trip, expecting to use them during my stay. Unfortunately, the funds never reached their destination. After two weeks filled with frustration and embarrassment, I had no choice but to return to the US without resolving the family matter. This ordeal has caused me significant mental anguish, reputational damage, and financial loss, as I was unable to meet a crucial financial and family obligation.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (SC)

American Honda Financial replied to the initial complaint with nothing but lies. The only thing that matches their records is my name my social security number and my date of birth. That 's the information that was stolen from my identity over 20 years ago and that 's been proven by the police and the courts. I defy American Honda Financial to give you any truthful documents to show the that car was bought at the address I 've been living in since XXXX or that it was bought by myself while I was out of the country from XXXX of XXXX until XXXX of XXXX. I would like them to show you with documents that they are nothing but liars and full of XXXX because they can not prove anything else except those items that were stolen from me over 20 years ago. The North Carolina Department of Motor Vehicles is aware that somebody obtain the license back in XXXX from online with my information and when I asked them to give me a new drivers license they said since it was done online they would not give me a new driver 's license number. The next year in XXXX on move to South Carolina and have lived here ever since. American Honda Financial comes back with a short response but nothing but lies because nothing they said can be proven by them outside of those XXXX items I 've already told you that were stolen from me. I want them to reply to each and every XXXX of these claims they do not have my correct work information they do not have my correct address that the car was bought with and they do not have personal information outside of mine that would have been used to identify the account. So I please request American Honda Financial to give you the documents they claim are real and I can show that none of the information they provide his true or real pertaining to me individually only through a stolen identity.
Consumer complaint received 2024-05-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

NATIONAL CREDIT ADJUST XXXX XXXX XXXX XXXX XXXX, KS XXXX The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ). Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations, then we'll leave things as they are but if not - well... I demand that you remove them from reporting ( my credit report ) immediately. I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately : NATIONAL CREDIT ADJUST ( XXXX ) - ( XXXX ) XXXX NATIONAL CREDIT ADJUST - XXXX XXXX XXXX Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$2400.00} Closed Date : XXXX -- Credit Limit : XXXX -- Creditor Remarks : XXXX ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$2400.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX XXXX Loan Type : FactoringCompanyAccount
Consumer complaint received 2024-03-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (FL)

As a XXXX  for 10+ years. I will not EVER use navy federal for lending. I have tried twice personally myself to get loans from them once XXXX XXXX and years ago before XXXX. Its a long and drawn out process and it seems they look for ways to figure out why they shouldnt give you a loan rather than should. I recently applied for HELOC loan and was denied. I didnt get a curtesy call to discuss why but only a paper saying unable to verify income. When in fact I have W2 {$90000.00} job as a XXXX  additionally make XXXX from tax money with XXXX No bills other than two mortgages with one I have Tennant in place making XXXX net income. Second reason form say credit application incomplete. My credit score average XXXX and I was a travel nurse previously before W2 job. So both of these I am left with explanation. I was told by XXXX over the phone if they cant contact a job from XX/XX/XXXX given its year XXXX from a contract agency job they can deny my application. But as a Realtor I know people can also get a brand new job without working in that field and apply for loan and get approved. I asked for policy on that and she said they wont give me standard policy they use on it. Everything else is ok with navy federal service except for the loan sector. Me with A credit scores and making XXXX a year get denied for a loan. Only bills they can say i have to my name is two mortgages again with one being rented out but even with two mortgages my DTI is still low enough. I can only imagine what others go through. 

I do plan to seek legal proceeding with this to be sure Navy Federal changes their discriminatory Lending practices. This is a general publicly lending Compnay and they cant just pick and choose who they offer loans to. This isnt a local private lending company. XXXX XXXX deserve better service than this from a member owned and funded company. I have had way way better service from various other loans my clients and I obtained from other credit unions. This is my second time applying for loan with Navy federal credit union. The first time years ago they said I had a DTI of 99 %. Then I said you know these properties I said I owned are rented out right. This was after they said they denied me. Per the lady words after denial said Oh I didnt know you had these rented out. I did indeed inform her of this already. What reasonable person would even put themselves in a 99 % DTI situation. My credit score and application clearly shows I had multiple mortgages with no late payments. So this could have been asked before just flat out deny me and say apply again later.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I was attempting to buy a shed from an online retailer ( https : XXXXXXXX XXXX  ). The charge was from XX/XX/XXXX. The merchant is " XXXX '' and the amount is {$590.00}. Within minutes after the transaction went through, I realized that the website was illegitimate because I didn't receive an order confirmation email and I attempted to contact their customer support ( which does not exist ) and realized what happened. 

I immediately ( on the same day, minutes later ) contacted Chase while the transaction was still pending, to catch and cancel it as quickly as possible. The Chase representative I spoke to mistakenly opened this incident as a fraud investigation, when it should have been classified as a dispute. The fraud investigation closed and found me liable because no fraud was committed and told me it should have been opened as a dispute case from the beginning. 

From that point on, Ive had a very poor experience trying to figure out the next steps. Ive called Chase several times for next steps and have received conflicting and confusing information from the support representatives, which has caused this process to be lengthy. I spoke to a supervisor of disputes recently and they had said they opened a new case which was to be a Chase liability case since dispute was no longer possible. Then on XX/XX/XXXX I called again to follow up and was informed that I need to upload a letter to begin this process. Ive also been made aware that typically this dispute must happen within 180 days, but due to the communication and other issues Ive experienced with support, I'd like this situation to be considered as an exception and for this charge to be re-evaluated as a dispute. 

In mishandling this dispute, I believe Chase has violated the XXXX Credit Billing Act. 

Thanks very much, XXXX XXXX
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

The following unauthorized transaction on my new account after the compromised old account has been approved by chase bank, and their fraud department and bank staffs unilaterally say that they do not know any details about this activity. They irresponsibly tell me to close the current account and open a new account with a new bank account number. I receive the fund electronically from the majority of my clients, and it has been too much efforts to fill out new template with each vendor to update my bank information again and again. It has been less than 2 months since another fraud activity happened with my new checking account. Chase should have more rigid withdrawal process to protect the business client like me. I set the alert system to notify by text message if the withdrawl is more than {$500.00}, but their system failed to notify the transaction and let the scammer take the money away from my business checking account. I am so stressed out and terrified use the online banking with chase. Please have them improve their security systems to protect their own clients. Please see the below transaction to investigate further about the fraud activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (CT)

I simply looked into the credit card Next thing I know The card arrives in the mail I never activated the card I see them on my credit report and they are trying to charge me {$120.00} annual fee I do not want this card and never did They will never get a dime from me
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TN)

XX/XX/24 hello yes my wellsfrago visa debt card was at XXXX from XXXX anout XXXX all the charges were XXXX i know about the XXXX rule but all charge made from XXXX should be retruned wells says visa denied this. looks like bank would be flged i needing help get some moine back
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (VA)

Complaint against TD Card Services, phone XXXX. My credit card account showed a balance of {$230.00}, as of XX/XX/2019. Since I pay off all charges as they are posted, I should not have a balance. Today, Wednesday, XX/XX/2019, I checked my on-line credit card statement. It showed a balance of {$240.00}. Interest in the amount of {$2.00} had been charged. 

On Wednesday, XX/XX/XXXX, II contacted TDBank Card Services. The representative with whom spoke to did nothing to help me resolve this balance. I was given the run around. I told the representative to cancel my card because of the poor service. 

I have also, via submitted numerous e-mails, via TDBank Card Services secure e-mail, asking for an explanation to no avail.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account closed and the balance that is on my credit report is incorrect. I file a complaint with the creditor ( # XXXX ) and they verified that there was no information in regards to myself nor the balance. I sent in documents to XXXX and TransUnion for this account be removed based on the creditors lack of verification. XXXX has removed it from my report.
Consumer complaint received 2024-03-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IA)

I filed a discrepancy/dispute about the debt this company says that I owe them. The reasoning for this debt is due to mistakes made, and agreement not fully concluding on the companys side. I received telephone service through XXXX, however decided it did not perform to my needed standards. Therefore I returned the phone within the XXXX period issued in agreement, however they kept the cell phone line account active when it was terminated. 

This debt was then sent to this Debt Collector, with many written attempts to collect debt. Debt was disputed through XXXX XXXX and removed. Even after having debt removed from the Debt Collector agency Jefferson Capital I am still receiving attempts to collect debt along with an offer for an unsecured credit card. I do not want any further communication from, or mail sent to me by them since this debt was removed on all accounts in my name.
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I am currently in the process of paying off my Home loan for my primary house. 
The servicer ( Mr. Cooper ) also holds an escrow account to pay my taxes and home insurance. 

At this point there is {$1400.00} in my escrow and I owe less than {$980.00} in my principle. 
But they didnt just close my loan and send me the extra, they continue to charge me interest on my loan. 

Additionally when I called them about fixing this, they told me there is a {$25.00} fee to request a payoff quote. I dont wish to request a payoff quote but they force you into requesting one. Additionally they charge you an arbitrary fee for this quote. There website states " A preparation fee of up to {$30.00} may apply to each payoff quote statement we generate. 
From : //www.mrcooper.com/XXXX> " The Key phrase is up to, and what is to stop them from increasing this to whatever they want? 

When I signed up and borrowed money for my house, I was not made aware of this fee ahead of time, I never agreed to it, and as far as I can tell there are no regulations around this fee. 

Can anything be done to let borrows know ahead of time about this fee and to make sure it is consistent across lenders so when they transfer your loan the new company can't charge whatever they want. 

The next problem is instead of closing my loan they are trying to transferred it to XXXXXXXX XXXX at the end of the month! 

You shouldnt be able to transfer the loan with 1 month left on the loan that seems ridiculous! Especially when they already have the money in the escrow account! 

Finally there website and their customer service states, Payoffs must be made via certified fundswire transfer, money order, or cashiers check. Please do not send personal checks, certified personal checks, or cash. 
From <https : //www.mrcooper.comXXXX> Again this was not outlined anywhere in my loan terms and agreements. Every one of these methods involve an additional cost that was not specified in the agreement.

To Summarize : 1. When the company has enough money to cover the loan in the escrow they should end the loan without charging you a payoff quote 2. Payoff quote fees should be mentioned before you take out a loan and should be fixed based on price when you take out the loan. Services shouldnt be able to charge you whatever they want and list arbitrary amounts like up to. 
3. If servicers change how they will accept payments on the last payment that should be clear when you borrow the money, and shouldnt be servicer dependent.

4. If you are paying your loan on time without ever missing a payment, the servicer shouldnt be able to transfer your loan in the last 3 or 4 months of your loan.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Payfare International Inc. (MI)

About 2 weeks ago around XX/XX/XXXXXXXX XXXX XXXX my dasher direct payfaire account got suspended. Iv been trying to contact them when I call them over the phone they tell me I may only be helped online when I try to tell them it's not working they just say you need to reply to email say byeed then hangup no help whatsoever. I have my hard earned money over {$300.00} that I can't access when I try to fill out their DasherDirect Special Investigation Form it doesn't go through I tried on 3 different web browsers XXXX XXXX XXXX XXXX XXXX on 3 different devices phone laptop and pc everytime I submit form the page just reloads it doesn't go through I disable my firewalls and do everything it doesn't work so I'm not getting any help then they had me reply to the email with the questions from that firm which I did sent them my licenses photo all the info thru needed even myself holding my own I. D. For proof of verification and there are still no results they keep resending me a form to fill out that won't go through never using dasher direct again this isn't a real bank such terrible service I won't even get my money back.
Consumer complaint received 2024-05-05
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (DE)

In accordance with the Fair Credit Reporting Act ( COLUMBIA DEBT RECOVERY ) ( Account # - XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I do not owe Columbia debt recovery any money. Im trying to buy a home and they are interfering.

Also the collection company dont have a license in Delaware to collect debt from me i searched them on https : //www.nmlsconsumeraccess.org/ Please help me
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TCF NATIONAL BANK (IL)

Received a call from agency telling me I owe a debt. I do not owe TCF Bank any money. They advised me that they would serve me with papers at my place of work. They had the wrong social to begin with then they came up with the right one. I told them to send the documentation to me current address to which they did n't have and told me they served papers at an old address. I have been living at my current address for 6+ years. I do not owe any debt
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name:XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.