davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

On XX/XX/XXXX I requested to move out of XXXXXXXX XXXX XXXX XXXX  XXXX, which was approved by management I believe her name was XXXX. I feared for my life there someone walked into my apartment at XXXX he said his name was XXXX from maintenance and he had the wrong apartment. At the end of XX/XX/XXXX there were over 100 cars that had been broken into in the garage attached to my apartment complex. In XX/XX/XXXX was a shooting in the building and there was someone hiding out in my apartment building for hours, I didnt know the extent of the shooting that I heard in the building until XX/XX/XXXX from another resident. There was knocking on my door and turning the doorknob on multiple occasions. Several homeless people in the building, sleeping in urinating in the elevator and asking for money. I have paid everything in full and my move out ledger shows that I am owed {$39.00}. 
I reported all incidents to the management office.
Consumer complaint received 2023-02-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mandarich Law Group, LLP (CA)

On XX/XX/2023 about XXXX XXXX  my employer stated that he received papers at my workplace.The papers stated earning with holding order ( wage garnishing ) Im currently enrolled in debt negotiation services ( XXXX ) to pay off this debt which the creditors are aware of so there should be no concerns for them to contact me in anyway especially at my work place.The creditors are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mandarica Law Group, LLP XXXX XXXX XXXX XXXX, XXXX telephone number XXXX /fax number XXXX email address- XXXX.Thank you
Consumer complaint received 2023-02-23
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: BARCLAYS BANK DELAWARE (CA)

Situation : I was charged {$9000.00} on XX/XX/XXXX for payment to a contractor through XXXX.Ayear and a half later this moneyremains unaccounted.I filed a CFPB complaint against Barclays on XX/XX/XXXX and was told there was no new information to the case. There has been more information gathered after their XXXX response on XX/XX/XXXX that involves two conversations with Barclays representatives. 

I am attaching tapes of these two conversations. 

1. The first is a recorded call on XX/XX/XXXX between a XXXX representative, XXXX, and a Barclays representative. Starting at XXXX - XXXX during this call, XXXX representative confirms that the bank ruled in my favor on the chargeback and they refunded the money on XX/XX/XXXX. 
2. The second conversation occurred on XX/XX/XXXX with a Barclay Supervisor named XXXX. Beginning at XXXX in this call, she states that there is a strong likelihood that XXXX refunded the money to the closed credit card XXXX and that was never transferred. 

Barclay continues to say that they returned the money to XXXX on XX/XX/XXXX. XXXX, in a XXXX complaint and on XX/XX/XXXX, says that they sent the money back on XX/XX/XXXX to the originating Barclay account ( XXXX ) which Barclay has previously closed so I had no access to transactions that occurred on that account. 

Further, in response to my XXXX XXXXCFPB complaint, I was given yet another unmanned phone line to contact regarding my complaint. When I call the number provided, I can only leave a message and to-date no one has responded to my inquiry in almost a month. 

Im requestingthat Barclays send me thetransactionrecordsformy closed credit card account ( ending in XXXX ) from XX/XX/XXXX- XX/XX/XXXX as I have a strong reason to believe that XXXX refunded the money back to me via the old credit card they had on file ( XXXX ) that was no longer an active card and that money was never transferred over to my active card ( XXXX ). 

I have spoken with hundreds of customer service representatives/supervisors and more than three upper-level managers at Barclays ; provided documentation of XXXX 's response ; and written numerous letters requesting resolution. While Barclays responded that no new information has been presented, I disagree andrequest that Barclay provide transactionalaccount statements on my closed account, XXXX, from XX/XX/XXXX to XX/XX/XXXX toshowthatBarclay never received the XXXX XXXX XXXX transaction. Please respond to my email with any additional information requests you may have.
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reached out to transunion, XXXX  and XXXX  to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( WELLS FARGO ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-22
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: SANTANDER HOLDINGS USA, INC. (NY)

I have disputed with Chrysler Capital regarding their false reporting to the credit bureaus. On XX/XX/XXXX, I disputed with them regarding a 30 day late payment for XX/XX/XXXX and they updated to XX/XX/XXXX, which was false. On XX/XX/XXXX, I disputed again the 30 day late payment for XX/XX/XXXX and they updated it to XX/XX/XXXX. On XX/XX/XXXX, I disputed with them regarding their false reporting to the credit bureau. They then updated the 30 day late to XX/XX/XXXX. This is beginning to become a game with Chrysler Capital. Inaccurate reporting to credit bureaus. I need them to be investigated for inaccuracies and false reporting. No one is investigating this matter. I need assistance, thank you.
Consumer complaint received 2023-02-22
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. (IN)

For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XX/XX/2016 I was the XXXX XXXX manager for apartments in XXXX XXXX Wow ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 Capital One charged me {$21.00} for a charge from XXXX. On XX/XX/2020 I made a purchase from XXXX in the amount of {$21.00}. I contacted XXXX and they said that the amount on the XXXX was a pending amount for my purchase on the XXXX. They told me that it would drop off in three days not to worry. I checked my account every day and it did not. The pending amount turned to a charge. I called Capital One several times regarding this matter. They said that XXXX had to remove the charge. I called XXXX and was told that the credit card company had to remove the charge. It only showed ad a charge once on there end. I called Capital One again and they opened a dispute against the second charge. They told me that they would credit my account until the investigation was completed. Capital One called me on XX/XX/2020 telling me that they were two separate charges. I was told that they sent me a letter on the XXXX of XXXX stating what other information that they needed. I have yet to receive said letter. This is the third time that I have had this happen to me. I use other credit cards with XXXX and Capital One is the only credit card company that keeps double charging me. I want a reversal of the second charge of {$21.00} immediately. Thank you.
Consumer complaint received 2023-02-07
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. (CA)

XXXX XXXX continues to unlawfully report account. I inquired and elected not to move forward with account given type of account and requested that they not only cancel application but furthermore delete my info entirely from their database as verified by documented disputes from over 5 months ago preceding any such reporting to XXXX I do not have a phone, email or ach attached to any such account. I have attempted to reach them via phone, email and usps as well as oversight They allege they deposited a minute amount of {$90.00} I combed through and see no such deposit and there is not ach associated per last contact I even stated in writing over 5 1/2 months ago i would be happy to pay instant via certified funds debit as long as they refund me whenever they received this deposit back as I see no mention of any deposit anywhere I have significant documentation that shows lengthy dispute process and I have been contacting them for 5 + months and that I offered to pay 5 plus months ago even while under documented dispute Additionally they continue to report in error they have now not only cost me considerable time lost towards rectifying XXXX XXXX further impugned my character cost me thousands in credit a clearance and mortgage approval in which I intend upon seeking damages for if they do not remove this immediately from XXXX and delete my info as requested in writing and acknowledged by then 5+ months ago
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I was given this account when I purchased XXXX XXXX XXXX in XX/XX/2022. The payment was set for {$120.00} for XXXX XXXX at a low interest rate. I set up an autopay from my bank. In XX/XX/2022 the payment was increased to {$140.00} without prior notification. Since I don't use the account for anything else I never thought the payment would increase. When I did discover the problem, I called customer service to find out why it happened. The excuse was the payment was too low to complete the balance in time not to incur accumulating interest. I said that was not my fault. I had to wait for the decision on the refund. I was issued {$40.00} instead of the {$120.00}. There should be a monetary penalty for them.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (AZ)

RE : LOWE'S/SYNCHRONY BANK : LOWE'S/SYNCHRONY OFFERS SPECIAL 0 % RATE FINANCING FOR CERTAIN PURCHASES OVER CERTAIN DOLLAR AMOUNTS. 

PROBLEM IS THEY DON'T APPLY PAYMENTS TO THE HIGHEST INTEREST RATE PURCHASES FIRST, AND THEIR STATEMENTS DON'T CLEARLY DISTINGUISH THE AMOUNTS DUE DATES BASED ON DEFERRED AND NON-DEFERRED CHARGES. 

LOWE 'S NON-DEFERRED INTEREST RATE IS 26.99 % ON MY ACCOUNT, WHICH IS EXTREMELY HIGH, AND MAKE THEIR DECEPTION ONLY ALL THE MORE CRIMINAL.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (OK)

Almost 3 years ago now my account was hacked and drained of over {$30000.00}. Once empty. The crook then filed disputes on dozens of charges including legitimate ones I made to attempt to get more money. They agreed and gave the crook more money by check and closed the account. The crook was then arrested for cashing the check. I found out when the check cashers called me to verify some info. It took me weeks to regain access to my account and attempted to file disputes for everything that was done. I've called hundreds of times and it's never the same information. Some people would tell me! y dispute had been filed, others would say I can't dispute certain charges because the crook already had. Then after a year of calling was told they were automatically closing because the account was closed and that they would need to reopen to file the disputes. Then I'm told that someone from the " back office '' would reach out to me within 48 hours. I've never gotten one email. They have told me this over 30 times. They tell me the only way to proceed is to wait for the email that never arrives. I've called the corporate office and they direct me to the same phone number. I filed another ticket requesting information on how to start the arbitration process because they require arbitration and I'm told someone will email me. Never does. I had a refund processed to my credit card from XXXX XXXX and I've called to ask where my refund is and I'm told to email. Nobody replies. I'm beyond fed up and someone there needs to address the fact that my savings was stolen by two people now. One who was arrested, the other, Chime who has no competent staff that understands the severity their lack of support brings. One of the transactions the crook disputes was a transfer I made to my new bank for {$10000.00}. When they took back that from my new bank, they closed my account and labeled me a fraudster and I can't open an account anywhere because chime has not acted on anything and fixed their error. I've called hundreds of times spending over 400 hours on the phone over the past two years wasting the one thing money can't buy and that is my time. I've sent police report after police report and they do nothing to return my funds. My business and life have been tremendously affected due to their failure to protect my account. I've not been able to order inventory and have had times I couldn't even put food on the table for days. I'm not rich and can not just walk away from over {$30000.00}. This is my third complaint because the last complaint wasn't even addressed in their response. If my money is not returned I will be arbitrating but I can't even get them to tell me how I'm supposed to do that.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (MD)

I have included is in response to the ( 2 ) emails I received after I filled my credit dispute via certified mail. It appears that Experian is attempting to ignore my concern with the erroneous information I believe is being reported on my credit file associated with my social security number and other personal information. 
Let this letter serve as my cover letter of my consumer complaint in regards to the following issues I disputed on 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 XXXX XXXX XXXX XXXX Please provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please see Enclosed Identity Theft and Fraud Report/Police report.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Neon Newco Corporation (DC)

My account was closed on XX/XX/2023. Due to 3 opened disputes I was told that they would send the money to me in the form of a check if any money was returned back to me. The total amount ended up being {$390.00}. I was told to expect a check in the mail from 7 to 10 business days. Then on Sunday XX/XX/2023 I received it. I then promptly submitted it for mobile deposit to my current bank. Because the next day XX/XX/XXXX was a bank holiday I had to wait for approval of the submission of the check until the XXXX. However on the XXXX it was rejected due to inability to verify the check. I was advised to call my bank to verify its authenticity and I was told by an agent that they could not and would not do that. I asked for any kind of verification but I was still refused.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (OH)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

In accordance with the Fair Credit Reporting act. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX Account number XXXX XXXX Account name XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name 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 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.

This is not my name " Formerly Known As XXXX  ''
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (VA)

On XX/XX/XXXX and XX/XX/2023, my shared ally bank account was charged XXXX  times that were all fraudulent. XXXX  transactions on XX/XX/XXXX we're all to XXXX XXXX accounts and we have never utilized XXXX XXXX. We received a call from ally regarding these transactions, were asked if they are fraud, and confirmed. They didn't imply we needed any further action on our part, and that our funds would be provided back when they were posted. We called again on the 4th after the transactions had posted to ask why our funds weren't returned, this was during the time our rent check was due too, which caused much concern as we are middle class and don't have cash to spare on fraud. We were told that 1. We needed to report it after it posted, so luckily we had already called to complain or else we never would have known and 2. That the funds would take 7-10 " days '', no implication of them being business days. Then, we started counting the days, we called again on XX/XX/XXXX to ask what on earth they were doing with our money, and they stated they had the claim on file but it " fell off the radar ''. From everything I understand, within 10 business days I should be given a provisional credit, then within 45  days should be provided the amount permanently if they deem it fraudulent. Everyone I spoke with, including a XXXX, has been nothing but useless and disrespectful. They all should be fired, but unfortunately they are a terrible bank with terrible employees. There is {$280.00} of my funds in this fraud scheme and only {$57.00} ( {$32.00} being the charge from XXXX XXXX ), I would like a provisional credit as soon as possible. Also, it's worth nothing the good for nothing bank had the nerve to send us a " replacement debit card '' that had the same numbers as the card involved in the fraud, because ally doesn't hire intelligent staff either. I've changed my bank because of this but their ignorance of cfpb guidelines tells me they need to understand how to properly treat customers instead of submitting to fraud.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I used the ATM at Wells Fargo XXXX XXXX XXXX XXXX XXXX CA on XX/XX/23 at XXXX and was dispensed {$1000.00} in $ XXXX that were too old to be used on a foreign trip I'm going on. The ATM card was from another bank without a branch in XXXX XXXX. I went into the bank and asked the teller if they could exchange them for bills in better shape. The teller said they would do that if I were a customer, but I declined to open an account. I pointed out that I had just paid a {$3.00} ATM fee and received bills I couldn't use. The teller said that she could get fired if she gave service to someone who was not a regular bank customer and that the ATM is not something the bank is responsible for. The ATM is managed by someone else so it wasn't the bank 's fault that there were old bills being dispensed.