davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

XXXX from my taxes deposited into my chime account. A person me and my XXXX old daughter was staying with at the time found out how much money I had and she called some girls over and XXXX  me and my daughter. Taking our phones and all of our clothing, purses, social security cards, my driver 's license, birth certificates and car keys and everything that we owned on XX/XX/XXXX. Using the XXXX they stole from me to make purchases that were unauthorized sending themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well. Changed my email passwords, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ect. I was locked out of my XXXX account I had to wait over XXXX until XXXX verified that I was the actual person owner to the account to gain access to my XXXX account again. Chime let these people change my email address with someone else selfie covering the picture on the driver 's license card that I emailed them telling them that I no longer had. I emailed chime letting them know that I now had a identification card and no longer had a driver license card. I sent in a selfie with the picture of the recipient of the I dentification card. They still allowed the fraudulent selfie with the covered up picture access my account and steal all of my funds out of my account. The also let the person that is blocked on my chime account send herself 2 {$5000.00} checks that I managed to catch and cancel before they were cashed. They let them on XX/XX/XXXX make XXXX charges all at the same and within minutes apart make numerous charges. I disputed these transactions and the said it was a split decision refunded me all the small amounts. The even refunded me a transactions that wasn't supposed to be on the there from XXXX. I contacted XXXX  and went through the information and I was told that chime shouldn't have let the people get any cash out of my account because my account was compromised. I've been contacting chime every other day since it's happened. Me and my daught has been homeless and sleeping in our truck. Chime refuses to look at my evidence I even sent in a police complaint and everything. Please help.
Consumer complaint received 2023-01-11
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. (WA)

To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing late payments and a credit are transactions and experiences which is a violation of federal law. Update the payment history for : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 to reflect pays as agreed or paid in full and a balance on the following account immediately : XXXX XXXX XXXX. Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.
Consumer complaint received 2020-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Malen & Associates, p.c. (NY)

Malen is pursuing me for a debt that includes illegal late fees. The fees were charged against me incorrectly, plus interest and capitalized fees. I was also required to pay a capitalized fee that was not validated with me. I was not given a description of the amount of interest, principle & penalties and fees that were included in the debt lawsuit filed against me.
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (UT)

Couldn't find a suitable selection for this one as I have no idea who these people are. So I picked whatever just to get this going. I've been getting calls from a XXXX area code based out of MO for some time. I also get them from a XXXX area code in the same state. This harassment has been going on for weeks if not months especially for the XXXX area code. No idea if the 2 are associated. I've blocked all of the numbers they call from. Today I got sick of it! I picked up the phone and before I could hang it up I heard a prerecorded voice say that it had something to do with XXXX XXXX I didn't listen to the rest I just hung it up. I called the number back and this guy named XXXX XXXX XXXX. I asked who they were, he kept giving me the name of the company as if that means something to me. It doesn't! He refused to tell me who this company was, why they continued to call my number like the numerous scammers that keep harassing people. He just kept assuming if he told me the name of the company that some how I'd know who they were! I still don't! Then he suggested I look them up, I did after I got him off the phone and still don't know who they are. He refused to tell me who they were trying to reach but kept trying to get me to give up personal info to him as if I'm that stupid! He's the stupid one! He was polite and professional but I wasn't. I don't appreciate anyone interrupting me with stupid nonsensical calls that don't tell you who they are, who they're looking for or why they're calling. I lit him up verbally and hung up. I have no business dealings with them and they're not in my contact list. I'm sick of scammer calls and will not tolerate any from so called legit businesses. I no longer care why they were calling it better not happen again.
Consumer complaint received 2023-01-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE BANK OF INDIA - NEW YORK BRANCH (IN)

My wife and I invested money ( via certain Certificates of Deposit ) at the State Bank of India in XXXX, IL ( hereinafter the Bank ). Officials of the Bank have indicated in writing that they lost our money, and that they can not trace our funds. Please see the detailed facts below. I am also uploading documents substantiating these claims. 

My wife, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the State Bank of India ( the Bank ) bought three certificates of deposit termed as XXXX  of varying denominations ( hereinafter referred to as CDs ). 

We submitted the original documents substantiating the CDs to the Bank as collateral for a loan we took from the Bank in XXXX. In XXXX, or thereabout, we paid off the loan in full using SOME of the funds in the CDs. There was a remaining balance of at least {$10000.00} ( plus interest accrued ) left in the CDs after we paid the loan off. Also in XXXX, we authorized XXXX officials of the Bank to reinvest the remaining balance in updated CDs of the same type ( XXXX XXXX XXXX  ) in XXXX. In XXXX, we learned that, without our permission, the remaining funds were transferred by the XXXX branch to an affiliated branch of the XXXX XXXX XXXX XXXX. 

Officials of the Bank in both XXXX and in XXXX are now stating that our funds are missing, and they are unable to trace our money. 

When I tried to follow up on the accounts in XXXX, the XXXX branch employees claimed that their policy compelled them to throw away documented proof of our accounts because the accounts are more than five years old. As a result, I had to travel to XXXX multiple times to follow up on the invested funds that we entrusted to the XXXX XXXX of the Bank, to no avail. 

As you are aware, these CDs are legally binding contracts. Per the terms of the contract, the Bank is obligated to keep our savings safe, reinvest them automatically, and to return it on demand. Unfortunately, so far, all our inquiries about our funds have fallen on deaf ears. This money is a big part of my retirement and healthcare savings. Simply put, the State Bank of India in XXXX has a legal as well as moral obligation to return our money with interest. We have exhausted all other avenues of communication, and we are now requesting your help to hold the Bank accountable.
Consumer complaint received 2023-01-10
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. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 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 XXXX Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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: Conn's, Inc. (TX)

In my previous complaint, I stated that XXXX did not reinvestigate my dispute for Conn Appliance Inc account number XXXX. I dispute the XXXX  year statute. Instead they updated the account to show a recent {$90.00} payment and they changed the date to reflect a new date that the account will fall off. The new date shows a date that will fall off sooner than the original date. This date is also an incorrect date. They claim to have forwarded me a copy of this dispute, however, they did not. The original alleged data furnisher has not sent me anything either. This report is charged off/ collection and is showing an open status with a past due balance. They can not do this. I ask that this account be removed immediately or I will continue to file disputes and complaints until they comply. XXXX does not reinvestigate properly and they do not furnish the requested information when asked what they use to determine the " validity '' of what the furnisher provides. This is why they continue to have have thousands of lawsuits against them. Most creditors do not even use XXXX anymore because they are not accurate. I have not made any recent payments to this account, especially not a {$90.00} payment. I will not be making any payments towards this account.
Consumer complaint received 2020-05-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (MD)

I applied for a mortgage loan with NVR Mortgage Inc on XX/XX/2020 and I received a conditional approval on XX/XX/2020. At the time of the approval, my credit file contained a defaulted car loan account which XXXX XXXX told me that I would not have to pay off for the approval. He said they could manually underwrite my application and get it approved. However, on or around XX/XX/2020, XXXX contacted me by phone to say that NVR had tightened the requirements for approval and they would not be able to manually underwrite the application. I contacted the car loan company and tried the make a settlement. However, they refused to settle. I told XXXX that I could not afford to pay off the debt and have money for the closing. A few days later, XXXX XXXX with XXXX XXXX called to say the my application was denied. However, instead of getting a letter stating that my application was denied, I got a letter stating that I withdrew my application. I did not. I would like my file with NVR to reflect thats they denied my application for credit instead of showing that I withdrew it.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (TX)

In my previous complaint, I stated that Experian did not reinvestigate my dispute for XXXX XXXX XXXX account number XXXX. I dispute the 7 year statute. Instead they updated the account to show a recent {$90.00} payment and they changed the date to reflect a new date that the account will fall off. The new date shows a date that will fall off sooner than the original date. This date is also an incorrect date. They claim to have forwarded me a copy of this dispute, however, they did not. The original alleged data furnisher has not sent me anything either. This report is charged off/ collection and is showing an open status with a past due balance. They can not do this. I ask that this account be removed immediately or I will continue to file disputes and complaints until they comply. Experian does not reinvestigate properly and they do not furnish the requested information when asked what they use to determine the " validity '' of what the furnisher provides. This is why they continue to have have thousands of lawsuits against them. Most creditors do not even use Experian anymore because they are not accurate. I have not made any recent payments to this account, especially not a {$90.00} payment. I will not be making any payments towards this account.
Consumer complaint received 2023-01-11
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. (MD)

I sent in disputes along with the police report and XXXX, TRANSUNION, & XXXX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.
Consumer complaint received 2023-01-11
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. (MI)

In accordance with the Fair Credit Reporting act my rights has been violated?

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
Consumer complaint received 2023-01-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (FL)

I contacted Discover Bank on XX/XX/2022 to close my existing XXXX and transfer funds to a new, higher-yield XXXX. The agent said I had to transfer funds to a savings account, and then open a new CD and transfer into that. He helped me set up the savings account and closed the existing CD, with a balance of {$93000.00}. 

A few days later, the funds were still not showing in the savings account, so I called the bank again. The new agent said that I had been misinformed ; IRA funds could not be transferred into a savings account. She helped me set up a new XXXX account that could receive the funds. That account was active as of XX/XX/2022. No funds have been transferred to that account two weeks later, despite multiple phone calls and assurances that the transfer was imminent ( " within one to two business days '' ). Each time I spoke with a different account XXXX : XXXX in Utah, XXXX in Ohio, XXXX a few days ago, then XXXX yesterday and XXXX in Washington XXXX today. All are very kind and apologetic, promising to connect me with a supervisor who can address the matter, only to find that no supervisor is available after somewhat lengthy times spent on hold ( had to hang up after a 45-minute wait one time ). 

It has now been two weeks of empty promises. Yesterday and today I was promised a return call from a supervisor within 24 hours, but yesterday 's 24 hours has elapsed without a call, and I'm not confident that I'll hear from anyone by this time tomorrow. 

I don't know what else I can do to get the funds moved into my account. How can a bank just close an IRA account without having a plan for transferring the funds to another appropriate account?
Consumer complaint received 2023-01-11
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: ALLY FINANCIAL INC. (NV)

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 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 XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX ALLY XXXX I XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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: AMERICAN EXPRESS COMPANY (NV)

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/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 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX I called trans union as well as the creditor to have fraudulent inquiries removed from my trans union report. And as of today XXXX they are still listed on my report.
Consumer complaint received 2023-01-11
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: Navient Solutions, LLC. (NV)

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX DEPT OF XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX I XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX, XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX