davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I received notification regarding this ATM withdrawals in the amount of XXXX I contacted them right away as this was on a Saturday and the transaction were still showing pending. I was told to contact. them once they shown that they are no longer pending. I contacted them and right away I provided information and screenshots. They have denied my dispute. They have not provided me with any information on why they have denied me. They keep telling me that they will send me over documentation the reason why they have denied me, but they have not. They only send over a form of what we discussed over the phone, which I am well aware of what the conversation was about. There is also another transaction of ATM withdrawals that happened to be out of state. When I spoke with Chime, they they advised me to travel out of state and file police report with them regarding my money
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

My mortgage with US Bank was offered to be in their forbearance plan due to COVID-related issues. When the forbearance ended in XXXX, XXXX, I was put on a repayment plan to pay back the funds accrued during the COVID forbearance period. I was told the entire time that my credit wouldn't be adversely affected. During my most recent credit report alert, I noticed a significant drop in my credit score and it was attributed to 4 months of delinquent mortgage payments reported by US Bank. I have made on-time payments since XX/XX/2023 until now and when I reached out to US Bank , they stated there was no credit reporting protection during the COVID forbearance period and if I'm in a repayment plan paying on time. When I requested what agreement in writing that on-time repayment of mortgage out of forbearance can be reported as delinquent to the credit bureaus to confirm what I was being told, I was told no.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 Two wires were made from my account that I did not authorized neither signor on the account my wife. I notice pretty fast of the issue and called the bank to tell them I believe my account was either hacked or someone is trying to do fraud so I told them to stop the wires right away. The bank mention because I called in a timely manner the chances of me recovering my funds totaling {$23000.00} were good. 

The day after I notice my money was gone! So I called the bank again asking why they allowed the wires when I specifically called them to tell them That it was not me that it was a hacker or a thief. They order me to cloae the account and open a new one and ask me to give them 10 days for an investigation. 

The 10 days passed and they decline my claim and do not want to refund my money. I challenge the desicion with a manager over the phone and was asked for another 3 days. The 3 days passed and still tje same response from bank they do not want to refund any of my money. 

I would like to add that I registered a physical keyfob as a 2 step verification for my account and somehow the hacker or thief was able to by pass this step which led me to believe that the bank is at fault here for poor security. I have been a client of the bank for XXXX years and still the bank wont help me. Need help!
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SoLo Funds Inc. (AZ)

I am 3 days late on repayment of a {$50.00} loan. XXXX XXXX has called me multiple times and emailed every single hour since XXXX. I have also received a text message
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

On XX/XX/2021 I tried to use my LLBean Mastercard at a local retailer. The card was declined. 

This card has a {$10000.00} limit, I use it infrequently and pay the balance in full monthly. 

I had made a payment of {$11.00} on XX/XX/2021. 

Unfortunately, the amount I paid, which was in a large green box in print larger than any other print on the bill was my XXXX XXXX XXXX, not the balance to be paid. The actual balance to be paid was in small black print at the bottom of the bill. The actual balance due was {$14.00}. 

The credit card company declined my card for an outstanding balance of {$3.00}. There was no other past due amount carried over previously. Just an amount of {$3.00} not paid. 

What i can not understand is why the credit card company did not allow a balance of {$3.00} to be carried over to the next month and charge interest on that amount. 
Why did they decline the card and cause me the embarrassment of declining the card and have to leave my purchase at the retailer. I was a long-standing customer with this credit card. I had a balance of {$3.00} not paid that month. I mistakenly took the large printed amount of the reward earned for my amount due. 

I feel I was treated very unfairly. Also, the amount due should be the largest print on a bill, not the rewards earned.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TX)

On XX/XX/year>, I used Citibank 's bill-pay service to add a new merchant : XXXX XXXX XXXX XXXX XXXX When setting the merchant, I wasnt asked for any information to verify the merchant such as zip code, address, or any other details except for my account with them. The merchant was set successfully ( apparently ). I scheduled a payment in the amount of {$2100.00} and submitted it. As of today, the payment has not been received by the XXXX XXXX 

I contacted the XXXX XXXX and they informed that they dont accept XXXX of any kind but only paper checks. Therefore, they explained me that if Citi bank had made the payment to the correct merchant, they would have sent a paper check. 

I have contacted Citis customer service multiple times and on top of being ( most of them rude and not willing to help ), all they have done is sent me a proof of XXXX without any reference that helps to track where the payment was sent, i.e., legal name, XXXX/Routing number, account number, bank name, etc. 

I have called the XXXX XXXX and they confirmed that without any of the information referred to above it is impossible to find the payment. Payment could have even been sent to a different XXXX XXXX in a different state ( instead of Florida ) The correct merchant for this payment should have been ( via paper check ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX As of today, the money withdrawn from my account is lost. Citi 's customer service team tells me they cant do anything to help. I can not believe you can not find a way to verify to who Citi sent my money and help me to recover it. Thats the least I would expect as a loyal client of Citi.
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group (TX)

The landlord XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, Texas hired Phoenix Recovery Group LLC to collect a debt from me without due process. I provided XXXX assistant property manager, XXXX XXXX with my phone numbers, email and forwarding addresses in order to contact me should they encounter any issues after I moved out of the apartment in early XX/XX/2021. For entire year I never heard from XXXX. Suddenly I get a call from Phoenix Recovery Group attempting to collect a debt I was not made aware of prior to the call. Since that phone call until now I have been subjected to a relentless abuse of power by Phoenix Recovery Group attempting to fraudulently bully me into paying a debt without my rights to dispute the charges. After the call, I contacted XXXX to find out why they took the action against me without my prior knowledge? I asked what were the charges they said I owed, and when I tried to explain that before I left, those items in dispute were explained to XXXX XXXX to which she said I had nothing to worry about, the lady then said that it was in the debt collectors hands and there was nothing she could do. I have initiated a dispute with XXXX ( my second attempt ) and obtained a confirmation # XXXX for the records.
Consumer complaint received 2023-01-18
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. (CA)

I have sent multiple letters, called the bureaus, and sent in previous CFPB complaints regarding these hard inquiries. The dates that are associated with these inquiries I DO NOT recognize. I believe someone is attempting to open accounts under my name. The following hard inquiries I need them to be taken off. By law, these entities are supposed to be reporting accurate information. My reputation is being soiled and it is making it extremely difficult to apply for an apartment. I am being disrespected and my rights are being violated as a consumer. XX/XX/22 XXXX XXXX XXXX ( Equifax ) XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX ( XXXX XXXX XX/XX/22 XXXX XXXX XXXX ( XXXX ) XX/XX/22 XXXX XXXX  ( XXXX ) XX/XX/22 Onemain ( XXXX ) XX/XX/22 XXXX ( Equifax ) XX/XX/22 XXXX ( XXXX ) I have submitted an identity theft report on my behalf to move this process into completion. I have also attached forms of identification in additional documents for the companies use.
Consumer complaint received 2021-01-22
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)

THESE COLLECTION ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY. COLLECTION ACCOUNTS IS CLOSED-END AND CAN NOT HAVE LATE PAYMENTS ..MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THAT THESE ACCOUNTS ARE IN VIOLATION WITH HIPAA LAW WHEN IT SAYS MEDICAL INFORMATION FURNISHER CAN NOT BE INCLUSEDIN A CONSUMER REPORT AND THE NATURE OF SERVICES CAN NOT BE INFERRED BY A PERSON OTHER THAN THE CONSUMER MEDICAL INFORMATION. SEE ATTACHED : XXXX ACCOUNT. 
PLEASE PAY CLOSE ATTENTION TO THE ATTACHED THESE ACCOUNTS NOT REPORTING SOLD/OR TRANSFERRED THESE ARE VIOLATIONS. INSUFFICIENT ACCOUNT # 'S. BALANCE SHOULD SHOW {$0.00} REMOVE IMMEDIATELY!!!
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OR)

Background : Venmo and PayPal were selected as the distribution partners for the XXXX XXXX XXXX bankruptcy case ( Case Number : XXXX XXXX ). Creditors were supposed to be able to redeem claim codes to receive distributions of cryptocurrency to settle their XXXX  XXXX claims. Creditors could choose to use Venmo or PayPal, but once the choice was made they could not switch. 

On XX/XX/XXXX I received my XXXX Claim Codes for both XXXX and XXXX. I went to my Venmo account to redeem them, because that is the account I use for personal transactions ( I have a PayPal account, but I also use it for business and didn't want any confusion ). I started with my XXXX claim code. The code was accepted, and I went to the validation process. I was unable to validate because Venmo was showing a wrong birthdate for me, which I was unable to change. I contacted Venmo support on XX/XX/XXXX and have been contacting them every few days since then. They acknowledge their engineers are aware of the issue but there has been no fix. I am unable to access either of my claims ( since, according to the structure of the settlement, you can only use one distribution partner for the I already started through Venmo and can not switch to PayPal, as explained above. ) Now I am stuck in limbo and unable to access anything. There is no ETA on a fix. Venmo just keeps emailing me the same answer, that their engineers are aware of the problem but have no timeline for fixing it.

The fact that Venmo can't correct one simple piece of data on my account ( after I have provided them with all the supporting KYC information they requested ) is beyond frustrating. I am facing a huge financial loss due to the volatile nature of the crypto market and my inability to access the crypto that is rightfully mine. 

This is a problem for many creditors trying to use Venmo, as discussed by XXXX XXXX in his most recent XXXX video. ( XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

A scammer contacted me on my cell phone with USAA and their contact center phone number showing up on the caller ID. I answered the call thinking I was talking to my bank and the scammer convinced me someone had taken over my accounts and changed my contact information. Then I was asked to transfer all my money out of my other accounts and put deposit it in to the compromised account. I was told this was to put " security alerts '' on all my other accounts but in actuality it was to supply additional funds for the {$1000.00} fraudulent debit card transaction that was pushed through. This occurred on XX/XX/2024 and as of today. USAA still has not reversed the fraudulent charge.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (GA)

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (GA)

fay services XXXX XXXX XXXX  XXXX XXXX XXXX XXXX tx XXXX this is not my first complaing to this company, its getting a tradition that almost every year in two years that my account have been sold to this bank. 
this time again are trying me to pay extra money in my scrow, every year they make and excuses to raise the amount in my payment. i tring to keep it low thats why i choose to pay my insurance my self. this complaing is about an amount {$2500.00} they are trying to spreed in my scrow payment i stay in line more that hour waiting for and answear about the raise in my new payment for this years evidently they have incorrect information in their sistem, they told about my last XXXX payment was about {$920.00} wich is wrong and them after waiting and waiting ad not having a good answear the lady said she cant not give my and answear because she didnt understand either what was happening with my acount. after being in hold several mtime the best answear she gave me is we are short in {$2500.00} they dont find a reasonable answear to tell me why so i ask for scrow analisys wich i am still waiting. but the laidy wich was very nice told me that even with the scrow analisis i will stay pay that money. 
sometimes with other bank we are short because tax raise every year and or we pay the difference in the scrow of before the new payment .the amout never came at {$2500.00} even do my tax raise this year the difference were only {$130.00} from 2022 i understand that they need to have litle more in my scrow account wich and sometimes the other back take XXXX or more from my paymet but never XXXX for me is another abuse from this bank they know ecomy is bad and trying to get money from people is wrong they put in risk peoples home. XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION (OH)

On Friday XX/XX/XXXX I tried to login to my account to confirm routing & account numbers for direct deposit. I got an error saying my account was locked due to " too many failed attempts '' and to call customer service. I called customer service to see why the account was locked, I was told the account was going to be closed. When I asked why I was told that it appeared that a XXXX Transaction to XXXX XXXX in the amount of {$140.00} had been flagged as fraudulent. This was a completely legitimate transaction I made via the app to my wife which could have been verified over the phone, text, or email very easily. 

When I asked for specific information instead of what " appeared '' to be the case I was told I would need to speak with the fraud department so after sitting on hold I was told they had gone home for the week and to call back on Monday. I called today XX/XX/XXXX at XXXX to speak to the fraud department and I was told I'd be receiving a call back with the next 15-20 minutes, it's been over 2 hours with no call. After repeated calls I finally spoke to XXXX and she confirmed the reason the account was closed was due to a perfectly legitimate XXXX Transaction. I find this to be unacceptable
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IA)

In XXXX XXXX XXXX, Citibank Wayfair Credit Card sent me an email letting me know that they thought there was a fraudulent charge on my Wayfair account ( which I used only XXXX time in XXXX to purchase a vented gas heater, never for anything else ). I called in, spoke to someone in the Customer Service and then again the Fraud Dept. I let them know that it was indeed NOT my purchase as they already suspected. I was assured that they would send me a new card ( new account number too ) and they would remove the charge ( XXXX, for {$19.00} XXXX XXXX  ). I figured that was the end of that. Then I got a new XXXX Statement via email telling me I had an account balance past due. So I called them again. Discussed it with both their Cust Service & Fraud Depts and was again assured that they would remove the fraudulent charge and the Late Fee of {$42.00}, I think. I was pretty sure that would be the end of that. NOPE. Got next month 's Statement, with additional Late Fees but it appeared that they removed the Fraudulent charge ... Go figure. So I called in again. Same thing, I requested that they fix this issue and remove the Late Fees and they again assured me that it would be fixed. NOPE. Same thing now in XXXX XXXX XXXX. I've phoned them XXXX or XXXX  times now and sent them electronic messages regarding the issue which is why I'm submitting this ; I no longer believe that they will fix this issue. HELP me please. Thanks in advance. 
RE : Wayfair Citibank XXXX account.