davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

I am writing to express my deep concern and dissatisfaction regarding the recent handling of an unauthorized transaction on my Chime account. On XX/XX/, a transaction in the amount of {$1700.00} appeared on my account, which I promptly reported to your customer service representative during a phone call on the same day. 

During the conversation, your representative informed me that I needed to wait for the transaction to post or clear before initiating a dispute. Despite my insistence on immediate action, I complied with the instructions provided. Additionally, I was informed that an email would be sent to me, allowing me to submit a police report as supporting evidence. However, to this day, I have not received such an email. 

To my dismay, the transaction eventually posted, and the dispute process commenced. Astonishingly, within a mere three days from the transaction date, Chime reached a conclusion that the charge was not fraudulent. I must firmly assert that this determination is entirely erroneous, as I did not authorize nor recognize this transaction. 

I am committed to seeing this matter resolved properly and justly. I understand that resolving such issues can be time-consuming, and I am willing to actively participate and cooperate in any way necessary to bring about a fair resolution. However, I must emphasize that I will not cease my efforts until this matter is resolved in the appropriate manner. 

Please be aware that I fully intend to file complaints with all relevant United States government agencies, engage both local and federal law enforcement agencies, and raise public awareness through various media platforms. As a young social media influencer, I understand the immense power of social media to bring attention to such matters. Furthermore, I have already sought the assistance of a competent lawyer who is prepared to pursue legal action against Chime Bank, as I firmly believe that your institution has a fundamental obligation to safeguard consumers from fraud and illegitimate transactions. 

It is my sincere hope that we can resolve this matter swiftly and amicably. I kindly request that you initiate a thorough reevaluation of the disputed transaction and reconsider your previous decision. I implore you to conduct a meticulous investigation, taking into account all available evidence, including my steadfast denial of authorization for the transaction. 

I look forward to a prompt and satisfactory resolution to this issue. Should you require any additional information or documentation from my end, please do not hesitate to contact me via the provided email address or phone number. 

Thank you for your attention to this serious matter. I trust that, as a reputable financial institution, Chime Bank will handle this situation with the utmost professionalism and rectify the issue accordingly.
Consumer complaint received 2023-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I had requested a refund on payments made from XXXX to XXXX while the payments were on pause. They stated that it would process through within a few months. I had called multiple times from XXXX to XXXX inquiring about the location of a $ XXXX check that they said would be sent through mail via IRS XXXX No check was ever received. I called throughout. The beginning of XXXX ( XXXX through XXXX ) for information of the check location and they stated it was mailed out. I informed them I did not receive it and they said okay we can cancel the first check and send a new one, it will just take a little longer. I agreed and called a few more times inquiring about the status of the refund and they stated it was still processing. I call again XX/XX/XXXX and am finally informed that the check was mailed and cashed out XX/XX/XXXX and they would not be re-sending a new check. That I would need to file a police report for fraud. Why in all the months I've contacted and emailed nelnet was I not informed sooner of this issue? $ XXXX is a lot of money during this economy and it's infuriating that that amount can be unaccounted for for such a long period of time and I was not informed much sooner.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

CRA is reporting fraudulent inquiries on my credit report, And sharing the information with the public. 
I have wrote letters and filed complaints with other agencys and they continue to report these inquiries. 
They have had a breach in the system where millions of people personal info was used and i am one of those people. They removed 9 inquiries then reinserted them again which is illegal without notification to the consumer. i would like for them to remove all inquiries from my credit report immediately.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-08
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. (TX)

On XX/XX/23 XX/XX/23 I have contacted XXXX XXXX Transuion XXXX XXXX via XXXX mail to dispute inquiries & fraudulent accounts on my credit report I have sent in proof of address proof of identity proof of XXXX also proof of FTC XXXX XXXX stating proving my claims XXXX Transuion XXXX XXXX failed to protect my consumer rights accordingly to section XXXX of the fair credit reporting act Now I have every right to file. Civil LAWSUITS AGAINST EACH XXXX XXXX attaching Proof of address proof of ssn Proof of police report
Consumer complaint received 2023-07-08
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. (AR)

I'm currently in the process of trying to purchase a home, but I'm facing some frustrating obstacles due to a system error on the part of Equifax, the credit company. It seems that Equifax is not sharing my credit score or report with my lender, which is essential for securing a mortgage. I attempted to access my credit score and report through the Equifax website, only to be greeted with a frustrating " BLNK '' error message and a suggestion to contact Equifax for assistance. 

After reaching out to Equifax, I was connected with an offshore representative who tried to sell me their monthly protection services. I explained that my primary concern was not being able to provide my lender with my credit score or report, and I found it perplexing that I would have to pay for this information. The representative consulted someone else and returned to inform me that the problem lies with my credit file needing to be " refreshed. '' They requested that I send in a copy of my Social Security card, driver 's license, and a letter requesting Equifax to refresh my credit file so that my lender can access my score and file. 

I can't help but question why I am being burdened with these additional steps and expenses because of Equifax 's system error. It's disheartening that my ability to become a homeowner is being directly impacted by this issue caused by Equifax. It's also frustrating that I have to spend my own money and time to draft a letter in the hopes that it will rectify Equifax 's system error. I have had no problems with XXXX or XXXX, so it's particularly disappointing that Equifax is the one hindering my dream of buying a home.
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XXXX XXXX XXXX claims I owe more than {$150.00} for a router I had returned. ( XXXX XXXX XXXX XXXX XXXX acct. # XXXX final bill shows I am due a small credit ). Also erroneous reporting to credit bureaus has negatively impacted my credit scores and XXXX XXXX XXXX has turned the account over to collection agencies. 
Establishing a XXXX account with XXXX XXXX XXXX was for internet services from XX/XX/XXXX XXXX XX/XX/XXXX, and the contract was for {$44.00} per month discounted as I had previously purchased a XXXX router. Shortly afterward the router failed while under warranty and it was replaced. I sent the defective unit to XXXX XXXX XXXX per their directions and it was received by XXXX XXXX XXXX on XX/XX/XXXX. During the following months calling the XXXX XXXX XXXX XXXX department ( from XX/XX/XXXX XXXX XX/XX/XXXX ), they had to make an adjustment of {$7.00} overcharge from {$52.00} to {$44.00} each month as I was not renting a router. In spite of talking to their rep and providing the UPS tracking number, at the end of the contract period XXXX XXXX XXXX still claims I owe {$150.00} for a router I had already returned. Attached are confirmations of the equipment sent and acknowledgment from XXXX XXXX XXXX of receiving the equipment. However, due to XXXX XXXX XXXX actions the major credit bureaus have lowered my credit score and XXXX XXXX XXXX has forwarded the erroneous information to collection agencies.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NY)

I believe I am the victim of check fraud. Despite 4 attempts to reach out to PNC Bank and receive the money back to my account, they continue to use other excuses to avoid rectifying the situation. 

On XX/XX/XXXX, a check was debited to my account in the amount of {$1000.00}. I wasn't expecting to send any checks at this time, and the debit came as a shock. When I saw the date of the check ( XX/XX/XXXX ), I referenced my check book ( see document evidence ). I remembered the check had been lost, and so I had placed a stop payment request on the check ( see document evidence ). I wrote a new check for my XXXX rent that was successfully debited back in XXXX. 

The scan of the check does not show a signature on the back. The back of the check looks like the envelope I would have sent the check in ( see document evidence ).

I called my landlords to see if they had recently deposited this check. They seemed genuinely shocked, and said they haven't been using checks since renovating their properties. They also assumed that a check from XXXX would be too old to use. I had lived at XXXX of their residences from XXXX. 

The first call I made to PNC on XX/XX/XXXX, was to dispute the check payment. They said there was nothing they could do ; the check was technically legal tender. I would have had to place stop payment requests every 6 months for 7 years in order to be repaid for the check.

I placed a dispute on the check again when I received this reply. For this second attempt, PNC Bank replied that because of Regulation E, they could not review the disputes for a check because I use online services.

Then, I requested to escalate the dispute. On Monday, XX/XX/XXXX, PNC replied that my escalation was denied because I did not place a stop payment on the check every 6 months.

At my in-person meeting at the PNC Bank in XXXX on XX/XX/XXXX, I spoke to XXXX XXXX about my situation. He was unable to provide repayment for the fraudulent check.

PNC Bank has yet to acknowledge that the check is fraud, and I have not received repayment for the amount of the check ( {$1000.00} ).
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have been a chase credit card holder for close to 40 years as ha my mother and my deceased father before us since the XXXX.Attached please find some old my credit cards going back to the XXXX. 

Accidentally I found out yesterday that all 3 of my accounts were closed. There was no notification as required and it took numerous calls to get to the person who was responsible for this. She was disrespectful and unhelpful. She basically told me that after all these years chase decided to end their relationship with me. 

This all had to do with my XXXX year old mother whom I am a caretaker for. She legally XXXX and totally uneducated and unsophisticated with regard to these matters. I have devoted the last years of her life and all of my life to taking care of her in all matters relating to her health and finances, She is also a XXXX   XXXX who suffers from acute XXXX and XXXX.This can all be corroborated by her XXXX and primary XXXX doctor. 

When I requested detailed information, She was not willing to provide it. Some of the things she told me were completely fabricated. To think that they would treat a customer who has been with them all these years and with whom they profited from is absolutely outrageous. 

I have had a great deal of aggravation form Chase now for 2 years.They have closed my bank account, my mothers bank account, and all of our credit crds. I have written to XXXX level executives but they were all unhelpful. A Ms XXXX XXXX seems to be responsible for all of this. Chase is a bank without a heart.  The closing of all these accounts can affect my credit negatively and I will hold Chase legally responsible for this and will see legal redress for this. 

Thank you for all your help.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I received a follow up on a complaint to Barclays Bank for deceptive lending practices amongst other things. In the response from XXXX. XXXX XXXX, he indicated Barclays does not perform credit line reviews during the balance transfer solicitation period which is indicated in the WRITTEN response occurred XX/XX/XXXX - XX/XX/XXXX. Fortunately, I have located additional balance transfer offers on my account PRIOR to Barclays soliciting me to use my credit line. Ive attached 2 samples as evidence to support the deceptive practices. 

I previously raised this issue in XXXX and Barclays corrected the issue by restoring my credit limit. 

To top it off, I have to wait for 3 minutes to talk to a representative from the Office of The President. The wait time solidifies Barclays servicing practices.
Consumer complaint received 2018-11-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX Chase Bank electronically withdrew {$320.00} from my bank account without my authorization. This has caused me much financial XXXX and XXXX. This was a payment they withdrew in error. I contacted them and they claimed no responsibility whatsoever and said I made the payment and there was nothing they could do. This erroneous theft has since caused me to be overdrawn in my checking account and I have had no access to any money for one week now. This sort of activity is unacceptable.
Consumer complaint received 2023-07-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase.
Consumer complaint received 2023-07-08
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. (KS)

I have requested multiple times for the Method of Validation as to who is reporting this, as there is a bankruptcy that has popped up on my credit report. As it is verified by the US Bankruptcy Court Of Kansas. I in fact have attached proof from the US Bankruptcy Court Of Kansas, stating that they do not report to any of the credit bureaus. So I am filing a complaint on behalf of myself, as they either have sent me a stall letter or have said it has been validated with the US Bankruptcy Courts Of Kansas.
Consumer complaint received 2023-07-08
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. (MI)

I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX  date opened XX/XX/2022. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

For the past 6 months, we have received notifications from TIAA Bank that holds our adjustable mortgage, that our loan would expire on XXXX XXXX, XXXX. We have received notices dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In each notice, it clearly states the following : Rate Limit : your rate can not go higher than 8.00000 % over the life of the loan. Your periodic rate may change every 12 months by an increase of no more than 2.00000 % or a decrease of no more than 2.00000 %. 

Since we had an adjustable rate of 3 % and each letter clearly states the above information, we think it is logical that the rate can not increase more than 2 % every 12 months. 

Today ( XX/XX/XXXX ), we called TIAA bank, and they informed us that our new rate will adjust to 8 % on XXXX first from original 3 %. 

The friendly TIAA representative explained that the wording can be confusing, and we are not the first ones to question this. She also indicated that this was a problem of 'semantics '. She put us on hold for 5 minutes to pull our original loan documents from XXXX years ago. Over the phone, she read the document saying that the first rate reset can be no more than 5 % and thereafter no more than 2 %. We feel we are being misled by multiple letters from XXXX, XXXX, and XX/XX/XXXX where there is no mention that the first rate increase can be up to 5 %. We find this misleading and that the bank is trying to take advantage of its customers by not clearly spelling out the terms. 

It is also important to note that the bank is currently undergoing a merger with another institution, which may be why they are more concerned with semantics for the merger than their customers. Also, we received a letter from TIAA Bank on XX/XX/XXXX that the company was transitioning away from the LIBOR Index for our mortgage and that we would receive notification around XX/XX/XXXX with the new index to determine future interest rate. Nothing was ever sent to us.