davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Hello, On XX/XX/2020, I sent a XXXX transaction from my Chase checking account to my wife Chase checking account for the amount of $ XXXX/USD. In the memo of the transaction I put the word XXXX, as an internal reference for us. Just to let us know that is the money we'll send to our family in XXXX. XXXX transactions usually occurs within minutes, but that day, the money was withdrawal from my account and never went to my wife account. Then on XX/XX/2020. I received a letter from Chase explaining that the transaction was cancelled and it was under investigation by the XXXX Department for a possible Sanction or JPM Risk Policy issue. They stated that a reference to XXXX was included as an instruction. They asked me about ( 1 ) what was the purpose of that payment to XXXX, the also said that ( 2 ) Payments involving XXXX are only permissible under certain OFAC regulations, authorizations and/or licenses. Provide related authorization you have knowledge of. for XXXX. and additionally the asked ( 3 ) If this payment is a personal or family remittance : ( a ) Please provide full name of person or company that ultimately receives the funds, ( b ) their relation to you, ( c ) if they are an official of the Government of XXXX, a member of the XXXX XXXX XXXX, and ( d ) confirm total amount of funds that have been remitted to the individual during the last three months ... 

I clarified and sent all the info they requested, including the name of family in XXXX ( my mother ) who I regularly send money through XXXX, I provided also the MTCN from XXXX for the last months I sen money through them ( XXXX, XXXX and XXXX XXXX. All the info they request I gave them to them. 

Finally yesterday they decide that they will keep the $ XXXX/USD on a blocked account and they will not released to me or my wife unless I obtain a license from the treasury office XXXX 

I explained several times to them, that the transaction was between two Chase accounts, both person are USA citizens and residing in USA. We never instructed anything relating to a transfer to XXXX, it was just a simple memo with just one word " XXXX '' for a simple personal reference between my wife and I. 

We consider that this is a huge abuse of power of Chase, that this is a huge violation of our rights, and that they no have any right to take from us any money. I moved all my finances to XXXX XXXX, and we'll keep the accounts opened just for communication with them, because the only way is through the Secure Message on the Chase website or app. Nobody wants to explain anything through the phone and the case looks like closed from their side. 

I'm filling this complaint in order to get any help on this. 

Any information needed from my side is available, I have all the communication on pdf in case needed. 

Thanks in advance for any help you can provide Respectfully, XXXX XXXX
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (TX)

XX/XX/XXXXI have notified this bank to stop all debits from this recurring XXXX fee, they did not. 
XX/XX/XXXX - I have notified this bank to stop all debits from credit matters, they did not. This is the direct result of my negative balance. Then they hit me with a monthly maintenance fee, which took another {$37.00} nsf fee..ridiculous. I also moved out of state and where deposits are hard to make since their system does not allow any kind of online payment/deposits. When I called customer services the representative could not help and I asked to speak with a manager and she says I am the manager and we do not reverse any kind of fees. And now my account is being closed and feel like I am a victim of bad business banking. I would like the 4 {$37.00} fees totaling {$140.00} refunded and I will pay the difference and they can close this account as I will never use this financial institution again for any services. Thank you
Consumer complaint received 2021-08-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

Several letters have been written and sent to XXXX, Equifax and XXXX  in regards to the following duplicate accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The letters dated XX/XX/XXXX have been sent certified mail and more than 30 days have went by with no response from all. Proof will be attatched. 

1. XXXX ; Account # : XXXX ( reporting on Equifax ) 2. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) ; Account # : XXXX ( reporting on XXXX XXXX XXXX ) 3. XXXX ; Account # : XXXX ( reporting on XXXX XXXX XXXX , Equifax ) 1. Sent certified mail to Equifax for accounts XXXX ; Account # : XXXX AND XXXX ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 2. Sent certified mail to XXXX  for account XXXX  ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 3. Sent certified mail to XXXX  for account XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Outside of having proof that several letters have been sent and ignored this is a FCRA VIOLATION to have the same account reporting multiple times. 

There are also several errors amongst the same exact accounts as follows : 1. XXXX ; Account # : XXXX ( reporting on Equifax ) is reporting a high credit of {$9200.00} AND XXXX  ; Account # : XXXX ( reporting on XXXX, XXXX, ) is reporting a high credit of {$18000.00} 2.XXXX ; Account # XXXX XXXX ( reporting on XXXX, XXXX, Equifax ) ; XXXX  and XXXX  are reporting a high credit of {$18000.00} and Equifax is reporting a high credit of {$0.00}.

3. The date of last active are reporting different dates between all 3 of the same accounts. Makes absolutely no sense.

4. The date of last payments differ between all 3 of the same accounts. For example ; XXXX ; Account # : XXXX ( reporting on Equifax ) is reporting date of last payment as XX/XX/XXXX AND XXXX  ; Account # : XXXX ( reporting on XXXX, XXXX, Equifax ) XXXX  is reporting date of last payment as XX/XX/XXXX. 

THERES WAY TOO MANY ERRORS THAT I CAN GO ON AND ON ABOUT. AND THESE ARE SUPPOSED TO BE THE SAME ACCOUNTS??? HOW??? THERE IS NO POSSIBLE WAY THESE ACCOUNTS WERE VALIDATED AND VERIFIED FOR ACCURACY. DELETE ALL 3 ACCOUNTS
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Been trying to contact Citibank fraud dept for days now, XX/XX/XXXX - till today XX/XX/XXXX, keep getting a run around I call the branch they say they are doing the same to them. I call they say they unblocked my account ; still cant use my own money. No verification process and no one is there to help keep hanging up on me.
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

My account on Coinbase was hacked and all my fund was gone. Coinbase absolutely has 0 support. All they do is send out automated emails. Not to mention that In that email, they conveniently said they aren't responsible for the fund that was already transferred out of the account by the hacker. 
My hard earned money was gone in a matter of minutes and there is NOTHING coinbase can do about it based on their automated email. There is no way to reach a REAL person who works at coinbase. 

Nobody should be using Coinbase which has no support and such a weak protection against hackers. 
Also for some reason, Coinbase deleted all the history of crypto that was SOLD by the hacker and transferred out of the wallet.
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (OK)

They say Im over my {$600.00} limit. Not true, its care credit for a dentist! I was under {$600.00}. Thats as much credit I had anyways. How would that even be possible?
Consumer complaint received 2021-07-03
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. (CA)

XXXX XXXX is reporting false and innaccurate date to my credit report. on my credit report they are appearing as a loan with late payments and a loan that needs repaid with a {$20000.00} balance. First of all I NEVER OPENED THIS LOAN IN XXXX This is a FRUAD account that was opened by someone who stole my identity. I never recieved any money from XXXX XXXX, I never applied for a loan with XXXX XXXX and I am DEMANDING XXXX XXXX REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT FILE IMMEDIATLY. I AM ALSO DEMANDING XXXX XXXX STOP REPORTING THIS TO THE CREDIT AGENCIES. REMOVE THIS ACCOUNT FROM MY NAME AND SOCIAL SECURITY NUMBER IMMEDIATLY.
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

My complaint XXXX was not answered. 
My complaint was that I returned XXXX worth of items but I had a bill owing XXXX They said I had to make a min payment of XXXX After I wrote the cfpb Amazon credit card took XXXX from my card ending XXXX. Illegally. 
I did not authorize them to do this. 
I had automatic payments XXXX XXXX. When I was paying the card off. 
On XX/XX/2021 I paid XXXX In XX/XX/XXXX I received a refund of XXXX. 
They are overcharging me. 
They are now saying I owe XXXX after taking XXXX unauthorized. 
I want to have my account audited.
Consumer complaint received 2018-11-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I received a letter by mail in XX/XX/2016 that my loan qualifies for XXXX School discharge and it would be discharged. Well years later my loans were not discharged. XXXX sold my loans to Navient and Navient is pretending like they never heard of this. I have fought for years with XXXX. Now that the loans are transferred to Navient, they stated I have to start the process all over. I have 4 loans from XXXX  school that totals {$7000.00}. I just want this taken care of so I can pay my legit student loans. This has hurt my credit score and interfered with finding a home.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (DC)

Applied for Citi double cash credit card on XX/XX/18. Received letter dated XX/XX/18 on XX/XX/18 stating " We reviewed your application and can't approve it because we couldn't verify the accuracy of some of the information you provided. '' Called Citi on XX/XX/18 and spoke with representative who told me that they could not give me any further information about what information I provided that was unverifiable. Spoke to supervisor who told me that there was no person who could look into the system and tell me what information was not verified for accuracy. Was not afforded an opportunity to check the information I provided to see if I made a mistake or verify it was correct and look into why their application process failed to verify. Was left with no recourse to correct information so that my application could be reviewed and considered on its merits.
Consumer complaint received 2022-03-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC (PA)

I have dealt with flagship credit acceptance for a car loan that I opened back in XXXX. The company had harassed me on many occasions over the phone. They would call my cell phone repeatedly throughout the day, as well as my workplace during hours that were highly inconvenient to me. Flagship has also shown up to my place of residence to serve me a letter after informing them not to call me outside of the time frames I had advised, which I have a witness the leasing office. They have contacted me numerous times, and had even questioned my ability to pay during hardship and advised me that I need to have family members help me, or else. I have gained much knowledge of consumer protection and rights and Flagship Credit Acceptance has failed me in many areas. The injuries were far too mortifying. I had tried to arrange payments for past due balances and even requested extensions and were given new numbers and information each time- no one in the company was ever on the same page. The company had failed me and has also repossessed my vehicle as of XX/XX/XXXX. 

*Photos attached- all unknown callers are from Flagship credit acceptance XXXX
Consumer complaint received 2021-07-03
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. (PA)

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (TX)

A newspaper is continuing to charge me for a subscription that I have cancelled. I have filed a dispute with the company but I am continuing to be charged. the person I spoke to this morning said there is nothing I can do if they want to keep charging me
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (MO)

Rep said he didnt care about my rights, rep said he knows the federal law and still will not delete or dispute any info on my report. Rep stated that he knows its my rights and understand my rights but their policy states they can not help me. I wants 2 accounts and all hard inquiries removed. Equifax should not be responsible for holding any any of my personal info. They need to delete all accounts and collections. They have no respect of our rights. XXXX iD number XXXX
Consumer complaint received 2022-10-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (GA)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A MOBILE PHONE SERVICE ACCOUNT AND RECIEVED MEDICAL ATTENTION IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA & # XXXX XXXX. ON XX/XX/2021 I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT, ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USAGE OF THESE ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND XXXX XXXX XXXXFOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Consumer complaint received 2021-07-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$4000.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$5100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Consumer complaint received 2022-01-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (PA)

Took out a loan with Ally Auto Financial XX/XX/XXXX : {$24000.00} -- -- loan amount XX/XX/XXXX : monthly payment @ {$460.00} via ACH XX/XX/XXXX : payoff printed, paid {$23000.00} via ACH payoff from Ally web portal XX/XX/XXXX loan paid in full Called after 60 days for Title- XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Where in the world is the Title for this car. No one knows, never sent, never processed. So everyone else lied to me? The loan was fulfilled, debt paid. Where is the Title for this vehicle and it should not be this difficult. 

This is fraudulent. To hold the Title hostage for almost a year and every single representative has told me- keep waiting only to find out that it's never been processed. No solution, no one at Ally cares or can help.
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Instarem PTE Limited (HI)

I used INSTAREM to send money from my XXXX XXXX  Account to my XXXX XXXX  Account. 

I believe I gave all and answered all the requirements needed for me to do so. 

However, INSTAREM cancelled my transactions and blocked my account without warning or reaching out to me. 

The only explanation given is due to internal regulatory policies that can not be disclosed.
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Equifax is reporting a Child Support Account that do not belong to me. This account is only showing on my Equifax and I I have disputed this account several times. Please assist me in removing this account from my Equifax Credit File. Equifax is also reporting that I made a payment in XX/XX/2018 and I have never made a payment on this account. 


Equifax is also reporting to 2 addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2021-07-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (FL)

Approximately 2 years ago expenses became too much for my wife and I. We could no longer afford utilities, loans and mortgage. I was advised we could vacate the house by PNC, turning it back over to them. After moving out I asked about returning the keys at which time I was told by PNC that couldnt happen. 
I filled out a packet for help with the property and it was rejected because I didnt have all the proof they wanted causing the financial hardship. 
After this I would speak with them and would be advised I could do one thing only to be told that wasnt right. When that person corrected me with new instructions, I would complete them and find out that wasnt correct either.

I finally gave up. I was served foreclosure papers but that has been postponed due to COVID-19.

A few months ago I placed the property for sale with a realtor. There has been no offers made. I contacted PNC again and was advised I could submit for a deed in lieu of foreclosure. When I called a few weeks after that because I hadnt heard back, I was told that I couldnt do that because it was foreclosure already. 
My complaint is that PNC has seemingly been playing games. Every time I call them I am told the previous person gave me bad instruction. The house is not worth what is owed. I have not been advised of a sale date either.
Consumer complaint received 2018-02-15
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 — Their investigation did not fix an error on your report
Company: R.M. Galicia, Inc. (CA)

Despite numerous attempts to resolve the issue with these extortionists they refuse to provide me with adequate proof required under law that the debt actually belongs to me. First and foremost at the time of the alleged debt I was fully insured by XXXX XXXX and had no debt owed to any hospital as far as I know. I have asked memories times for Proof since my wallet had been taken that year, a report made with the police and was fully employed and insured at the time of the alleged debt. 

XXXX  must honor there non compliance issues by following the law as well. If the can send me my signature on the paperwork that outlines the debt I would be happy to let it go. I have moved since then and had received nothing on the mail to constitute the recited bad payment history as well.