davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-10
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 (NY)

I placed an order with XXXX for {$140.00} with my XXXX XXXX account # XXXX on XX/XX/XXXX. Barclay card acquired XXXX card on XX/XX/XXXX and assigned new account number # XXXX to me. I was notified by Barclay that the former XXXX card can not be used for purchase after XX/XX/XXXX but it can be used for process refunds, and credits for refunds will be transferred to new Barclay Master card ending # XXXX. 

This {$140.00} order was a buy online pick up in store order which requires customer to pick up the order within 7 days. I did not pick up order in store within 7 days, the Bloomingdale 's store processed the refund on XX/XX/XXXX for {$140.00} to the same XXXX visa account # XXXX which I used for purchase. 

However, Barclay did not transferred this credit to my new Barclay XXXX account. I called Barclay customer service and dispute department on XX/XX/XXXX, after waited 1 and half hour on phone, the Barclay rep told me I can not dispute this charge until after XX/XX/XXXX since conversion from XXXX to Barclay is expected to complete on XX/XX/XXXX. I requested to speak to a manager, the rep told me a manager will call me back. 

I also contacted the merchant XXXX online customer service, the merchant told me that they had to process the refund to the same credit was it was used for purchase and it is Barclays responsibility to transfer the credit and refunds from XXXX card which they acquired to new Barclay account. 

On XX/XX/XXXX, Barclay manager XXXX called me and told me that he will forward this dispute case of {$140.00} to Barclay Dispute department so I dont need to pay. However, XXXX said Barclay Dispute department will not process it until XX/XX/XXXX when the conversation is complete. XXXX further said once the dispute is processed, Barclay dispute department will forward me the dispute case number and give me a credit to my statement. 

Today is XX/XX/XXXX, I still did not receive this credit of {$140.00} on Barclay XXXX account and Barclay did not contact me to provide any dispute case #. I tried to call again, but its only reached machine and long hold time. I also tried to file dispute online at Barclay website, but Barclay website says this type of dispute doesnt qualify for online filing!!! 

Please review attached email from XXXX confirming they processed refund and my order status on the merchants website indicated the order to total is {$0.00} and I didnt receive the merchandise.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

I am an out of service veteran, I have worked closely with XXXX and XXXX to correct a debt from my time in the Military. The debt should have been XXXX and I have also paid XXXX from garnished wages to the Third Party Collection agency TSI. When I contacted TSI to request a payoff account I was informed that the debt is now {$5100.00}. And there is no account summary or portal to verify the amount. Math is not my strongest subject, but I came to XXXX I requested and explanation to understand how the debt came to XXXX? Is there a {$1500.00} fee added? And where can I find an account summary or debt summary?
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (OH)

I use Chime aka XXXX. My card was fraudulent used and once the charges settled I filed a dispute through the app because it seemed simple enough and its like pulling teeth to try to get through to talk to anybody for their customer service. I filed the dispute in the app and nobody ever contacted me or anything when I contacted him through the chat in the app to get an update they told me that I didnt get a provisional credit because I did not submit the required document when I asked them to send me the document so I could see what it was and fill it out its the same exact information that they have you fill out for the dispute itself, after finally getting a reasoning as to why I had to fill out the same exact form I filled it out and sent it in a confirmation that they received it yet I still have not received my credit which is now causing issues with other companies that I owe money to because I have auto pay set up through the account and routing number in the account is in the negative because of the fraudulent charges so these accounts that are trying to take money to pay my bills cant take it and I being charged additional fees for them not being able to pull the money and late fees Ive reached out to Chime several times and they all keep sending me back the same script a automated response nobody has contacted me through the chat over the phone via email or anything other than descriptive responses in the chat and I dont feel like Im getting anywhere with this whole process and its now causing me issues
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

XX/XX/2022 XXXX for {$130.00} in XXXX XXXX fraudulent withdrawal XX/XX/2022 XXXX for {$87.00} in XXXX - fraudulent withdrawal I have contacted coinbase and coinbase card and both departments keep passing me in between each other with no accountability. 

These transactions said they were used using my coinbase card, but there is no record of the transactions on the card. However, the money has still been debited and not returned. 

It seems to be a mirrored charge from months prior but they won't fix the issue or even tell me how to dispute.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (AL)

The consumer reporting companies known as XXXX XXXX and Sagestream LLC have reporting incorrect info for the last months when I applied for credit and loans through several different companies. I applied to these companies base on being pre-approve base on my XXXX credit score. I paid off all off my charge accounts and debts in XX/XX/2021, but none of what I paid off is reflecting on XXXX XXXX and Sagestream LLC. each still have stuff on my report over XXXX years old or stuff that has not been updated as paid. I am very upset because I recently was discharge from bankruptcy and a number of debts was paid off and cleared as a result of the discharge in XX/XX/2021. I need to know why these companies have not updated my credit files. This continue to damage my abilities to apply for credit. I have work very hard to repair my credit for this to cause problems now. I need this fix ASAP
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MIDFIRST BANK (AZ)

Midfirst Bank sent me a Overdraft notice on my account. I never over drafted my Account and had My Identity taken over my cyber attacks on me I froze all my credit reports after this happened and spoke toy bank Midfirst Bank explaining these were unauthorized charges!!!! They said I was correct and the best thing to do was to shut the Account and that way charges couldn't happen again!!! They said they would credit the Account back to XXXX as I never had a negative balance in over XXXX years of banking there!!! I was a elite customer. Next thing I I know I go to open a new Bank Account and they placed me Midfirst Bank into XXXX XXXX and collections!! These are not my charges acct was closed with a XXXX balance. This is crazy and redicolous. Tried talking to collections at Midfirst Bank today they said pay the XXXX and they would remove me from XXXX XXXX. What am I supposed to do??? Pay unauthorized charges will if I have to buy there not my charges!!!!! Please advise as to what to do
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax I has violated my consumer rights causing me stress and financial injuries Equifax violated my consumer rights under 15 USC 1681b ( 2 ) I never gave Equifax any written instructions or any consent to furnish information on my consumer report or furnish a consumer report on my behalf Which is IDENTITY theft pursuant to 15 USC 1681c-2 They have have also in violated 15 USC 1681n civil liability for willful noncompliance by furnishing information on a consumer report on my behalf causing me stress and financial injuries and also committing fraud
Consumer complaint received 2022-12-31
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. (NE)

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX made a purchase {$9.00} for XXXX and three other purchases prior to XX/XX/XXXX. All purchases posted to the account. Make one transaction to a grocery on the XXXX resulting in a negative balance and on the XXXX Wells Fargo rearranges multiple transactions and revert them back to pending from the XXXX and XXXX to incur the largest amount of overdraft fees possible. Only covering the largest purchase of {$61.00} despite the other purchases being listed as posted transactions prior. Ending daily balances does not reflect the actual daily balance of that day since it gets later changed because of instances like this. Hard to prove even with reciepts because of this fact.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I was not able to use my debit card this morning or last night so I contacted Chase Bank to find out what was going on. They told me there was a note to contact loss prevention so I was transferred over to that department. Turns out a customer 's check I deposited XXXX days ago they wanted to verify. But he said the number they had for the customer was not a verified number so it was my responsibility to contact the customer and have her contact them to verify the check and then I was to call back after that and they would lift the restriction. There is a two and a half hour wait to get through to that department. So basically I can't access MY money, pay bills, buy gas or food because Chase Bank restricted my whole account for depositing a customer 's check. The check was from another chase business acct. Now I have to do their job and track this customer down so she can call them to verify her check. I was told while this restriction is in place all incoming transactions will be returned unpaid. Due to the 2XXXX  hour wait time this probably won't be resolved until tomorrow, but I'm at a gas station now on empty and need to get dinner for my family somehow.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

Hello, I have 5 total credit accounts two of the most recent are XXXX ( 9 months old ) and XXXX ( 8 months ). Oldest account is 5 years and 7 days old ( XXXX card ). All of the credit bureaus except for Equifax have all of my credit history. 

Equifax has none of my information and In 2 separate attempts talking with them on the phone today, they say they have no record of me ever having credit anywhere and cant find any of my information to verify my I.D . 

They have said that there is nothing for me to do except ask my credit card companies to keep trying to send them info which they are doing, and all of the other credit bureaus are getting them successfully I dont know what to do anymore. XXXX trying to get a mortgage but it seems like its impossible because they act like my social security number isnt even real, let alone getting them to link my accurate credit info, and wont give me any other options.
Consumer complaint received 2020-02-28
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. (VA)

I went to my bank to apply for a loan and was denied. I was confused because I thought that you all had taken care of the accounts on my credit that does not belongs to me. The account on there does not have a name but there account number is XXXX. I have contacted the FTC and local police.
Consumer complaint received 2022-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Issue with Nelnet : I an currently three months AHEAD on payments and have submitted several additional PRINCIPAL ONLY payments. The payment slips from Nelnet are written as PRINCIPAL ONLY and PRINCIPAL ONLY is also indicated on the checks. A payment of {$500.00} on XX/XX/XXXX was credited properly as principal only. Payments on XXXX {$500.00}, XX/XX/XXXX - {$1000.00} and XX/XX/XXXX - {$500.00} were credited as partial principal and partial interest. Nelnet was contacted and I was told that all payments are split in this manner. I responded that I made additional payments in order to decrease the time and amount of my loan and was told by federal law I was not permitted to do so. That they calculated my loan to run to its expiration date. When I questioned what would occur if I paid the entire balance, I was told I would still owe all the interest. When I informed them that under both federal and New York State law I could pay principal down in order to decrease the amount of interest and the lenght of my loan I was told that I could not do so.
Consumer complaint received 2021-10-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (IL)

XXXX XXXX whos home address is XXXX XXXX XXXX XXXX, Il XXXX just recently closed on a property on XXXX XXXX XXXX XXXX Il XXXX. She used fake check stubs, used ppp funds that she transferred into a savings account to close and got an owner occupied loan and IS NOT living in the property it is and was from the beginning occupied and she is collecting rent via cash, XXXX and other methods to conceal the fraud. FHA and loan depot who facilitated the loan was notified to no avail.
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

I made various attempts to reach Hoyt & Landau recently who have made false attempts to collect a debt that is not owed any longer, due to the company filing bankruptcy and do not owe the amount they have claimed and file in court and issued a default judgement after I obtained a lawyer through XXXX whom they refused to respond to. Also, the Lawyer accepted Service and signed for the Entry of Appearance on my behalf. However, they did not file an Answer in time regarding the debt not owed and I was recently notified by the law firm on XX/XX/XXXX that  they slipped and did not file the Answer in time. On another note, the Collection Agency purchased the account for pennies on the dollar from XXXX XXXX and I confirm with them today that they do not have record of an account ending in XXXX for XXXX because this XXXX filed Bankruptcy and XXXX XXXX, in turn, collected on the account as well when the Trustee settled the debts on behalf of XXXX. So both firms are illegally still trying to collect inflated interests and late fees, although I do not owe the debt they are claiming and filed in court as {$3300.00}. 

I also reached out to engage another lawyer on my behalf from XXXX and Hoyt and Landau has chosen to ignore attempts to communicate on my behalf because they are illegally trying collect on an inflated account balance that I do not owe. Also, the lawyer Mr. XXXX, sent the affidavit per the request of the front desk receptionist and he has still not made contact with them, since this morning, although they claimed they would be available to speak about the claimed account they have from XXXX XXXX. Mr. XXXX attempted to reach them multiple times today to discuss the erroneous claimed amount but received no response or follow-ups which is also totally unacceptable. 

I also made several attempts to reach out to XXXX XXXX when my daughter was XXXX for over 34 Days in XXXX with a XXXX medical condition and was denied any form of Hardship Program or Credit Insurance relief although I reached on many instances in XX/XX/XXXX regarding this matter and also sent them a formal letter in XX/XX/XXXX describing the extenuating medical and financial circumstances we were experiencing during that time and still seeking work as well. Our daughter is XXXX and XXXX XXXX and Hoyt & Landau are both discriminatory towards XXXX XXXX-Americans and U.S. Military Veterans who have served their Country. 

There is no empathy expressed and only bullish, uncanny behavior and greed rules within their company and should be investigated by SEC and FTC regarding their illegal business practices regarding extremely inflated interests rates, and late fees.