davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

When moving out of an apartment, my wife and I sold some furniture items via XXXX, XXXX, and similar services. One individual contacted my wife about purchasing a rug. The rug was listed for {$75.00}. The buyer indicated that he would pay {$70.00} to hold the rug. We agreed to sell the rug to the buyer. The buyer sent my wife a check, but the buyer 's husband then called to say that his wife had mistakenly written the check for the {$1000.00} because it included XXXX intended for movers coming to pick up the rug. The buyer asked my wife to remit the {$930.00} to the moving company. 

On XX/XX/2020, my wife called Chase, explained the situation, and asked a Chase representative for confirmation about when it would be safe to proceed to make the payment the buyer was requesting. Chase told my wife that all she needed to do was wait for the amount of the deposited check to post to our checking account. Chase did not mention that the check would still be subject to review for fraud or insufficient funds for several days after the amount had posted as " cleared. '' Chase also did not instruct my wife to consult any other sources about the timing for checks to " finally '' clear. 

On XX/XX/2020, my wife did an online deposit of the buyer 's {$1000.00} check. On XX/XX/2020, the funds posted to our checking account as a cleared check. In reliance on Chase 's advice, my wife proceeded to pay the moving company {$930.00} using Chase 's XXXX XXXX XXXX XXXX service on XX/XX/2020. The buyer was supposed pick up the rug on XX/XX/2020, when the buyer did not, my wife refunded the buyer on XX/XX/2020 for the {$75.00} portion for the cost of the rug. On XX/XX/2020 -- XXXX days after the {$1000.00} check had posted to our account -- my wife and I were informed that the buyer 's check had been returned as fraudulent. As a result, my wife had been defrauded out of {$1000.00}. 

My wife and I promptly called Chase on the morning of XX/XX/2020 to discuss the situation. We explained that our issue was that Chase had made a representation to my wife about when she could safely proceed to use the funds from the buyer 's check, but had made no reference to the fact that the check was still subject to review after the funds had posted as cleared. After four hours of bouncing around Chase 's various customer service departments, Chase informed us that there was nothing they could do to recover the lost funds and that they would not accept any liability based on the incomplete information from my wife.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SAMC Honebee TRS, LLC (LA)

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, La XXXX Account Number/SSN : XXXX Re : My mortgage Loan : / XXXX Date : XX/XX/2020 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a Few late payments reported on XX/XX/XXXX/XX/XX/XXXX,  XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. 
I want you to know that I understand my financial obligations, and if it werent for Going through a BAD DIVORCE ( hardship, etc ), Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive made my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then, Ive had a spotless record of on-time payments. Im working hard to structure a solid foundation for myself and my XXXX kids going forward. 
Im planning to re-establish my credit and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments listed above. Thank you for your consideration, and I hope youll approve of my request. 
May XXXX forever blesses you is my prayer. 

Best, XXXX XXXX
Consumer complaint received 2020-10-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (PA)

Calling me before XXXX XXXX on XX/XX/2020. Calling me and saying it was a business call on XX/XX/2020 and not asking me what it was for. Never received a certified envelope in the mail or a due date for the debt
Consumer complaint received 2020-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My student loan is currently in deferment. I would like to end the deferment and be placed on an " extended graduated '' payment plan. I work full-time for the XXXX XXXX XXXX XXXX a week and have sufficient stable income. The student loan servicer told me that they can not put me on a payment plan because I am currently in school ( I take classes online during nighttime for a XXXX XXXX XXXX  ). They told me I can make payments at any time, but they can not put me on a payment plan. This situation is causing financial hardship for me because I am unable to refinance my mortgage because XXXX assume that my payments would be 1-2 % of the outstanding balance, which would be at least $ XXXX  monthly. If I could get on the extended graduated payment plan then my payments would be only {$330.00} / month and my mortgage refinance would save me over {$600.00} per month. I also would qualify for student loan forgiveness after I make 120 " scheduled '' payments. Payments that I make during deferral do not count, so I am losing money on this as well. All I want is to get on a payment plan and have monthly payments scheduled from my servicer. The servicer said it would be illegal for them to put me on a repayment plan while I am in school ( even though I request it ). I can not believe that that is true, especially since this is causing me to lose a lot of money.
Consumer complaint received 2018-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NJ)

On XX/XX/XXXX I had {$900.00} in my USD Wallet on Coinbase.com I  made a purchase of XXXX BTC ( Bitcoin ), and was somehow charged a purchase AND a sell transaction. I never sold ANY bitcoin on the date in question, only purchased using funds that were already available in my USD Wallet. After informing Coinbase via a support ticket, I was informed a specialist would be assigned to look into the matter but have received no correspondence.
Consumer complaint received 2020-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

XXXX XXXX XXXXNavient My mother and I moved in spring 2016 after she and my father finalized their divorce. Ever since, yearly and nearly monthly, we have been receiving calls for my father from these companies at this address at our cell phone numbers and landline which have never been associated to his name. We have told the company on multiple occasions that we do not have contact with him and have no way of contacting him and it stops for a while and starts again. 

I do not have specific dates. Please just assume this happens on a monthly basis. 

I asked the agent for how they were getting my info and she told me she could not and would not divulge that to me.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (WA)

A late payment is reported on my credit report on XXXX, 2018. The account has always been on autopay and when I asked the company for an explanation, they told me they can not go back to see anything information older than six months. When I ask them to update and correct the late payment they have reported to the credit bureaus they have refused.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Once the regulations changed and overdraft had to be opted into, I opted out of overdraft at all of my financial institutions. On XX/XX/2020, I submitted a credit card payment to and accidentally picked my Wells Fargo checking account instead of an account at a different financial institution that had sufficient funds. Instead of rejecting the payment, Wells Fargo allowed me to overdraft and charged me a {$35.00} fee on XX/XX/2020. That is not the part that upsets me though, even though I am nearly positive I had opted out of overdraft. When I noticed this on my online account, I decided to ensure I am opted out in the future so this doesn't happen again. However, when I visited the " Add or Change Overdraft Services '' section on the website, there were a few issues that I believe are very misleading and are the reasons I submitted this complaint. 

First of all, there is nowhere in this section to discover your current opt in/out status. How are customers supposed to know to opt in or out if they do not know what their current status is? Secondly, and more importantly, when I clicked to " Remove '' overdraft, it took me to the page to enroll in overdraft. I could not find any way to actually revoke my consent to overdraft. Maybe this screen is supposed to only appear for people who are not yet opted in, but if that is the case then that would mean I had not yet opted in and my account should not have had an overdraft in the first place! My hypothesis is that everyone is taken to the enrollment screen and there is no way to opt out of overdraft. I have a screen recording of this experience that I can provide if there is a way to submit attachments larger than XXXX, though it does capture my first name and the last four digits of my account number in a couple places.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

in the process of trying to get better credit and learn about credit applying for new lines of credit and also when I went into the car dealership I have acquired a lot of different inquiries. the inquiries are, 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 2020-10-21
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 {$3000.00}, {$0.00}, {$2100.00}, {$6600.00}, {$0.00}, {$8700.00}, {$9500.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Consumer complaint received 2020-10-21
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 {$2700.00}, {$0.00}, {$5100.00}. 
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 ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Consumer complaint received 2022-02-01
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: GOLDMAN SACHS BANK USA (OK)

Apple says I have a CC. I dont have a apple CC they rept said go here they couldnt help Nothing has been charged its just apple fees XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ok XXXX XXXX I want this CC to go away.. please help
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance to the Fair Reporting Act XXXX  Account - XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2017-12-19
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. (TX)

I have send Equifax several letters disputing inquiries that I did not authorize. for the following companies : 1.XXXX XXXX XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX-XX/XX/XXXX I have faxed, called, and send letters disputing these inquiries in which Equifax has did nothing more but ignore my letter, faxes, and disputes all together. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit 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 (NC)

I had a Walmart card and this is the credit card is trying to destroy my credit. I have tried consistently to work with XXXX XXXX every month I get a 30 day late alert. First it was XXXX. Then I processed a dispute so XXXX XXXX deleted XXXX and put it for XXXX dropping my score again. I made my payment with rep of {$30.00} and I made it for 3 months. To receive this treatment I feel that this bank it deliberately trying to destroy consumers credit.
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (IN)

- I used XXXX  ( formally TransferWise ) to send money internationally. 

- I sent {$4000.00} from my account in the US to my friend 's account in XXXX. The source account in the US has me and my friend as signatories. 

details : XX/XX/2021 TransferWise Inc / TrnWise ACH Trans - {$4000.00} - the money never arrived. it has been more than 2 weeks now. 

- XXXX claim the money was transferred successfully. I sent them a copy of my friends account printout in XXXX showing no such success. 

- XXXX claim the money is stuck in the receiving bank ( XXXX XXXX XXXX  XXXX ). they are probably right, who knows. But as far as I am concerned the transfer I hired them to do, was never completed and it is THEIR job to make sure it is complete. 

- As a response to me nagging them for days about this vanished {$4000.00}, Wise, very wisely, CLOSED MY ACCOUNT with no further explanation. 

- I demand that they wil do whatever it takes to COMPLETE the transaction or refund my {$4000.00} - I demand an explanation ( they refused to provide one ) why they closed my account. They mumbled something about " regulation I broke ''. Not sure what would be that.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (IL)

Due to struggles with Covid 19 paid a bill a few days late, but paid in full. CHASE will not credit the late fee and continue charging late fee over late fee over late fee and would not take into account COVID 19 hardship. My husband and I are currently unemployed. Today asked them again and they told me no and when I logged into the account, it was closed. The balance is XXXX and is totally late fee and interest. They removed the other fees they charged improperly. Illinois only started paying unemployment for COVID in late may and as soon as we got it we started paying all the bills. I had no issues with other cards, they removed the late fees if any were incurred and paid all my balances, except for CHASE.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

I checked my credit report and saw a debt on there I had no knowledge about. I reached out to the collection agency on file and requested the original agreement or contract from the original furnisher as my right under the FDCPA. The agency have completely ignored my request and have given no written correspondence in regards to my matter. In my initial outreach to the agency, I asked for my request to be met within 30 days in which they failed to do so. This agency is ruining my my reputation and creditworthiness and is in direct violation of the FCRA.