davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (WV)

i got out of the hospital treatment facility because im a XXXX  XXXX XXXX patient, upon getting out i found out my bank had been accessed and drained while i underwent treatment, in the sum of almost XXXX XXXX and right away i called chime. the rep who i spoke with went thru every transaction, filed disputes and closed my card and re issued and froze the account access online per my request. so now the waiting game. when the disputes finally started getting resolved everything was approved and credited all the way to the day i went into the hospital, except two disputes, dispute numbered XXXX, and XXXX the completion date was XX/XX/XXXX which would of been the 60 days. i called in when the XXXX showed that my deposits went in and XXXX $ was missing from # XXXX where they claimed it was cancelled already and prior credited. upon researching i found it indeed was not. so i called and a rep named XXXX was on the phone with me trying to get it resolved when i got an email saying that my dispute has been filed???? what dispute? so i opened my app, again with a rep on the line still, and it showed my XXXX $ was removed and the claim just paid out was now reopened and the money that i just waited almost 3 months for to be returned had vanished. i asked her what the heck was happening and she said i dont know but i saw that too and dont worry i will create a ticket on both of these issues that happened because i see all the documentation and what i just witnessed i got your back and will get this credited back within 48 hours. well fast forward to three supervisors, eight reps and countless hours on hold with nobody ACTUALLY RESOLVING anything and for me to be told several times on recorded calls that it will be credited 24-48 hours. well, yeah that never happened, actually the claim got denied. so you deny a claim of my money being sent thru your pay anyone and approve the XXXX $ transaction just five minutes prior to the one you denied ... hows that. well a rep said they will have documents sent and id receive it the next day but still as of 8 days later, have not received them. because there isnt any. regulation E is never followed, the terms are never followed by them and no reps listen its crazy, until you showed up. i have all calls, documents, and proof of theft, but yet they say it will be resolved 45 days later, even though it was just completed on the XXXX of XXXX. so im writing to ask can you get my money back they are refusing to follow there own rules and terms of having a bank with them and now they are denying things that they never even investigated. it A FACT! i called and no reply on the situation. 

case XXXX for the amount of {$8100.00} and XXXX for the amount of {$150.00} both of which they are not following guildlines. and still have not issued my money back. thank you and god bless you guys!
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AR)

Citibank sent a letter to me stating that I had been enrolled in their Identity Monitor program without my knowledge. They stated a link in the letter to submit a claim for repayment of the charges. When I tried that link, it did not work. I called CitiBank and talked to their customer service representative. I was told by that person that if I could not access the link provided, I could not file a claim to receive a refund. I have been a customer of Citi for years, but if this is the kind of customer service they offer, I think I will close my accounts.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

In 2010 I acquired a Macy 's store card. A year or so later, I was informed that, because of my excellent credit, it was being automatically converted to a Macy 's American Express card. I have used it only for purchases at Macy 's and at XXXX. Today I received a notice from my credit monitoring service that I had exceeded the credit limit on my card. I checked my most recent statement and saw that the credit limit is {$2000.00} -- far above the {$340.00} balance from XXXX charges. I telephoned the customer service number on my Macy 's card statement and was told that it is a " XXXX in XXXX '' card. The {$2000.00} limit applies only to purchases at the store. Outside purchases are governed by a {$300.00} credit limit. I then phoned the XXXX customer service number and was told the same thing. I am furious and feel that this is deceptive. If there must be a discrepancy in the credit limits, that should be stated clearly on every statement. Remaining credit for Macy 's purchases : $ XXX.XXRemaining credit for other purchases : $ XXXX. 
I intend to cancel the card after paying the outstanding balance, but wanted to warn others about this practice.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have consistently paid this account on time, and the presence of an inaccurate late payment is causing me XXXX XXXX. I am unable to XXXX XXXX due to this issue. Please promptly update my account and remove any incorrect information to XXXX XXXX XXXX. I am begging you to take action as soon as possible.
Consumer complaint received 2017-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (GA)

I have received a few phones call from a company that refers to themselves as either " Litigation department '' or XXXX XXXX, attorney of ARA division. They 've contacted me regarding a credit card debt that is over 15 years old, I believe. I 'm not sure what the debt is. As a victim of identity theft, I 've ask them to identify the debt and provide me with proof of this debt since I 'm not certain that it was me. I asked that this information be mailed to me. 

When I asked for information, the female representative accused me of being a liar, used foul language, threatened me with court, and hung up on me. I called and back and spoke with gentleman, who immediately took an aggressive tone with me and I thought it was best to end the call at that point. 

Now, I 'm getting garbled voicemails that state they are filing an affidavit against me. If the company can not provide this information, I will not pay it. To simply call someone up, claim they owe money without provide proof is absurd.
Consumer complaint received 2015-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Federal Adjustment Bureau, Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX FABCO dba Federal Adjustment Bureau XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX : Letter of Intent to File Suit To Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against FABCO dba Federal Adjustment Bureau for {$25000.00} as a result of violations of The Dodd-Frank Wall Street Reform and Consumer Protection Act ( XXXX ; commonly referred to as XXXX ) and Unfair, Deceptive & Abusive Practices ( UDAPP ). I contacted your company which listed a fraudulent account on my credit on several occasions. At which time I requested you remove the fraudulent listing and have even sent verification from the Criminal Investigations Division of the XXXX XXXX XXXX Police showing the account is a result of identity theft. During my final attempt I requested very specific documentation to show this account is valid knowing full and well such documentation can not be provided as it is a result of ID Theft. To which you responded with a packet of paperwork which did not include the information requested. Thus rendering the debt invalid under FDCPA. Your company not only continued to report the invalid debt on my credit but also sent me notices demanding payment on said fraudulent account. 
There was no evidence to support your claim that I owe or agreed to this debt outside of what appears to be a line written contract which I did not sign. The " Signature '' bears no resemblance to my own and you failed to furnish anything of mine ie. a drivers license or social security card. Considering I work for a law firm I have never seen a lease agreement that the rental agent did not obtain of copy of such documents. 
Your company was also provided a " Release Of Claims '' understand that release does not have any bearing on this case considering it sites specific laws your company was release from liability on. Now given my previous experience your company will draw out the process for as long as possible but due to the negligence and disrespect exhibited by your company which I have no problem with. I also previously advised I would be working with a lawfirm. At this time I have opted against doing so and will be handling the case myself. 
If you choose to just pay the {$7500.00} and avoid further cost to your company that would be agreeable. If not then this letter will serve as your 14 day Initail Demand prior to suit being filed. 

Your prompt attention is appreciated, XXXX XXXX
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

PNC Bank reordered transactions on my account to make it appear that a check I wrote on XXXX/XXXX/16 posted and cleared my account on that same day, in order to assess to overdraft fees on my account. My account balance was at exactly {$.00} when I checked it throughout that day. When I checked my account on XXXX/XXXX/16 suddenly I had XXXX overdraft fees from a check I had written the previous day, and a transaction that was not on my account for {$1.00} the day before. I have attempted to resolve this with PNC, but they keep telling me that it 's " possible '' that a check can clear and post the same day, and they are refusing to refund me the fees they charged in the amount of {$72.00}
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Midwest Loan Services, Inc. (CA)

I refinanced my condo. the new loan is serviced by Midwest Loan Services. 
As was my old loan. I have never been late. Until, I paid my first payment on the new mortgage. I requested they add a homeowners insurance impound so the amount of the payment changed and I made two payments. 
I was off by XXXX cents. They were nice enough to call me right before a week- end and requested my checking account info for the XXXX cents. They said bill pay pay might not be in time. They say I gave them the wrong account info and they have a have recording, I have not heard it. IF I erred, I certainly do n't know where. I read I read the numbers directly from my check. Now they are charging me a late fee. While I 'm guessing this is legal, it 's also not right. I can not afford extra payments. I 'm a single mother of a XXXX and I have no otherfamily to turn to. 
It seems to be more than unethical, if not illegal. I tried to reason with them. 
It did n't work. I would like the late fee waived without affecting my " Once in 30 years waiver of a late fee. I 'd like to save that for retirement if I can ever afford to retire. Retirement is not likely with companies like this taking every ' single dime they can get from people just because they can. 
American Greed Run Rampant
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (FL)

i have hired the services of XXXX to help me with the credit car situation. 
the creditors call me non stopmthe worst ones citibank and XXXX. 
i even got reprimanded twice at my job of 27 years cause my cell phone is also mywork phone. 
heres the accountsXXXX XXXXcitibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Direct Recovery Services, LLC (MO)

HARASSING PHONE CALLS ON MY CELL NUMBER, THREATHEN TO SUE AND JAIL TIME IF DEBT IS NOT PAID, PERSON STATES THIS IS FOR A LOAN IN 2013, I FILED BANKRUPTCY IN 2013 AND ALL MY DEBT WAS LISTED, CALLING FROM PHONE NUMBER IN MINNESOTA. person kept YELLING AT MY REGARDING THIS DEBT she was RUDE AND WOULD not LISTEN, she TOLD ME I NEEDED TO PAY THIS DEBT BY XXXX TODAY OR ss NUMBER NAME WOULD BE LISTED WITH FBI FOR INVESTIGATION.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (GA)

Opened a checking account with Truist branch under a promotional offer for {$400.00} sent in the mail. I completed all required application steps, met all eligibility requirements, direct depositing more than {$1000.00} in the first 90 days of opening as agreed but did not receive promotional deposit. 

I called Truist on XX/XX/XXXXXXXX  to inquire about missing promotional credit and was told that that the bank would research the missing promotional credit. I contacted Truist a second time on XX/XX/XXXX and a bank customer said that I was found ineligible for the promotion, however this was not true. I was clearly eligible according to the terms and conditions of the promotion ( see attachment ). I read the terms of the account promotion to the customer service representative and spoke to a supervisor but the bank still has not provide the promised promotional deposit. 

The terms of the offer stated : " Earn {$400.00} for opening a new Truist One Checking account from XX/XX/XXXX through XX/XX/XXXX and completing at least 2 qualifying Direct Deposits* totaling {$1000.00} or more within 90 days of account opening. 

Enrollment in the promotion is required at the time of account opening using promo code XXXX. Please refer to the Account Opening and Enrollment section below for instructions. 

*A qualifying Direct Deposit is an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. 

Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits. 

Offer Eligibility : Offer is only available to individuals who received a direct communication from Truist. Clients with an existing personal checking account with Truist or who have closed an account with Truist on or after XX/XX/XXXX are not eligible to participate. Account holder must be XXXX or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened in a Truist branch. '' All conditions have been met and the promotion should have already been processed.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants' Credit Guide Company (NJ)

I HAVE RECEIVED COMMUNICATION FROM AGENCY REGARDING A DEBT COLLECTION BUT THEY INDICATE THAT IT IS SEVERAL COMPANIES THEY ARE REPRESENTING BUT DO NOT IDENTIFY NAMES OF THE COMPANIES. THEY STATE ( SEVERAL ). I HAVE SENT CORRESPONDENCE REQUESTING THE NAMES OF ALL DEBTORS TO AVOID DUPLICATION OF DEBT COLLECTION ON THE SAME DEBT FROM VARIOUS ENTITIES. I AM WAITING FOR THAT REQUESTED INFORMATION.
Consumer complaint received 2016-11-02
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

An Internation wire transfer from First Citizens Bank XXXX to XXXX XXXX XXXX in XXXX, XXXX was issued, then attempted to be retracted when the receiving account at XXXX XXXX was determined to be a fraud. Following formal complaints, inquiries and alerts of the fradulant scam, from First Citizens to XXXX XXXX XXXX.
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

Webster Bank ran a transaction on an account I had requested closed, overdrawing it, and then levied a penalty representing 100 % of the transaction. 
I had XXXX accounts with Webster. On XX/XX/XXXX in the Webster online portal I performed two transactions : I sent a secure message to close XXXX account, which I had emptied, and paid XXXX credit cards totaling {$110.00} in a single Bill Pay transaction. 
Webster ran the Bill Pay transaction first from the empty account, overdrew the account and then refused the close account request because the account was now overdrawn. They then levied three separate {$37.00} fees for {$110.00} total, equal to the whole Bill Pay transaction. 
I have been in contact directly with Webster several times but they agreed to refund only {$37.00} of the {$110.00}. I am requesting the remainder because : 1. I had already requested the account in question be closed. 
2. It was a single transaction within Webster 's online system, yet three penalties were levied. 
3. The empty account was selected by default and the second account hidden in a dropdown menu. 
4. The empty balance was not shown in either the confirmation prompt or the transaction receipt. 
5. An equivalent transaction would have been refused in branch - a teller would not allow you to make an internally-requested transaction from an empty account, this is a flaw in the online system only. 
6. A {$110.00} total penalty for a {$110.00} total transaction represents an unfairly high penalty.
Consumer complaint received 2017-03-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (TX)

XXXX Accounts appeared on my report today from this company that I 've never seen reporting before and from the looks of it they are pretty old. I 've never received anything that could possibly validate this even belonging to me. 

XXXX {$32.00} & XXXX {$25.00} a piece.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2016-04-05
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Counsel, Inc. (GA)

On or about XXXX XXXX, 2016, I received a phone call from XXXX XXXX of Credit Counsel , Inc. XXXX XXXX indicated that he was representing his client XXXX XXXX in an attempt to collect {$2700.00} for an unpaid workman compensation debt. I had not received any correspondence via mail before this phone call. I knew of XXXX, the workman comp bill and the amount of {$2400.00}. XXXX XXXX indicated that by XXXX XXXX, 2016 I needed to get back with him and submit the {$2700.00} On XXXX XXXX, 2016, I contacted XXXX XXXX and informed him that the amount he quoted was incorrect. He stated that this was the amount he was authorized to collect and received from XXXX. He stated that it was late fees and other charges. I called XXXX XXXX and was told that {$2400.00} was the amount owed on the claim. XXXX XXXX stated that he was " going to sue me and get more than I owed ''. He went on to demand immediate payment, stated that he was looking at my credit report and I needed to get the money from my XXXX. I informed XXXX XXXX that I did not have a 401 k and he immediately called me a liar. He continued the bullying tactics by threatening to file a lawsuit and sue me in court. 
I was taken aback by the unprofessional behavior, threats, and name calling. I inquired later on in hopes to contact a supervisor to resolve this matter as well as report XXXX XXXX 's behavior. I was given the name of a supervisor, XXXX XXXX. I attempted to contact him and my call was intercepted by XXXX XXXX. XXXX XXXX stated that no one named XXXX worked there, he was the supervisor and I was wasting his time. He transferred my call to another gentleman that stated he was the supervisor. He demanded payment of {$2700.00} and if I was n't wanting to talk about submitting full payment, I was wasting his time. I had never been involved with a collection agency and this did not seem appropriate. 
I submitted a debt validation letter to Credit Counsel , Inc. and requested validation. I received paperwork indicating {$2400.00} was owed, several health insurance claim forms and to arrange full payment from XXXX XXXX. I did not received any other documents or information I requested. After I submitted the validation request, cease and desist letter, I still received a voice mail from XXXX XXXX of Credit Counsel , Inc. stating that was representing XXXX and attempting to collect a debt. This was clearly a violation and disregard to requesting to be contacted by mail only. The employees of Credit Counsel , Inc. did not cease and desist contacting me by phone.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.