davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit 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 (IN)

I received fraud alert on XX/XX/23 via text. At that time I responded I do not approve the transaction as it was not known or authorized. My card was placed on hold and I was unable to use it. I called Barclay on the next business day to report the charge as well as 2 others I found not authorized. I also flagged the charges online. 
When I spoke directly to the fraud department about a week later they said there was no record of reported fraud although they did see a mistake was made that I declined authorization of purchase that was posted to my account 48 hours after card was placed on hold. I went through the entire process of reporting again and was assured it would be thoroughly investigated and result provided in XXXX statement cycles. I called the fraud department two more times ( after about 2 months ) and was given no updated information and told they had 90 days to resolve it so I would have to wait. I have accrued finance charges on the purchases that totaled about {$1500.00} ( total fir 3 purchases ). It is now well past the 90 days and there is no resolution and I have reviewed zero communication from Barclay concerning the fraudulent activity.
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (CO)

I used my Chime account to pay my rent to my roommate. Some lady that I do not know, used to have my roommates cell phone number. I used the cell phone number to transfer {$880.00} and it went to this person that I do not know. I disputed it with Chime and they denied my dispute. I lost {$880.00} to someone I have never met in my life. I have since sent my rent to my roommate and Chime can see that I have literally never sent anything to this XXXX XXXX In my life, except for the mistaken transfer. I think they should go after this woman who took my money and give me my money back.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had a vehicle financed with   XXXX   XXXX   XXXX    XXXX . At  one  point my loan was issued to a particular   XXXX   XXXX   account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President. Not hing was resolved. Towards the end of   XX/XX/XXXX ,   XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account  manager  put the car up for repression in   XX/XX/XXXX .  As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in   XX/XX/XXXX .   The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   XXXX  of the  President and other agenc ies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

I have contacted Chase initially as I got scammed by a XXXX  scammer in XXXX. I have offered to provide any proofs as necessary and was advised they will contact me when they need it. 

Even thought they have my address on file and it clearly shows I am located in PST zone in WA state I received a call at XXXX XXXX  which I was obviously not awake for. I immediately return the call only to be told by advisor they had no idea about what I was contacted as the agent didn't leave any notes so just keep an eye if she calls back. 

No one called back instead my claim was suddenly denied. I was never asked proofs, never contacted again, chase failed to do any investigation as they never even requested all hard proofs I still have to this day how I was blatantly scammed by a professional scammer. 

I have contacted chase and asked to speak to a supervisor I was denied by the agent- which infringes the right as a consumer to speak to a supervisor. Further on agent opened the claim again promising to actually resolve it and get the evidence and advised me - previous agent did not fill out the claim correctly. I was appalled. Once again I trusted Chase to finally do its due diligence however once again I was scammed on this foolish belief. Only 5 days later the money was taken out of my account again. The most obscene part of this they did not even contact me, did not send any letters to advise my claim was denied. They just silently denied it. I can't believe a bank is actually functioning at this capacity when they treat their customers like this.

Chase has never helped me with a single claim and I may have filed like 3 in 10 years I've been with them. They are greedy scammers and I don't know where else to go to hold them accountable. 

I want the money to be given back and the investigation to be actually done with evidence I have and not deny my claim when I clearly was scammed.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After a thorough review, it has been determined that certain late payment markings on my accounts were inaccurately reported due to an internal error by the bank. I am pleased to convey that the companies have acknowledged this error and have taken corrective measures to address it. Consequently, they have agreed to remove the late payment markings and update the status of this account to " Open/Never Late or Paid/Closed Never late. '' The details of the account are as follows : CAPITAL ONE XXXXXXXX.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

Lexis Nexis is reporting many accounts. I have asked them to freeze my account and correct the information. 

They are reporting Florida XXXX XXXX XXXX information incorrectly. 

I want all of the information pertain to this case removed from my credit report. First it was never late. It was paid off as agreed. They are not report the correct information and I do not give them permission to report any information pertain to Florida XXXX XXXX XXXX.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (RI)

I have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter  Chapter   XXXX  case, I included  XXXX  creditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute these  XXXX  collection accounts.     I HAVE SENT COUNTLESS LETTER S (  TRACKED ) TRYING TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.
Consumer complaint received 2023-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (OH)

I am writing to bring to your attention a matter concerning Bull City Financials and the challenges I have faced in negotiating a debt settlement with them. 

In light of the financial difficulties I experienced during the XXXX pandemic and as of current, I found myself unable to keep up with various bills, resulting in a debt of {$1500.00} owed to Bull City Financials. Understanding my financial limitations, I approached Bull City Financials with a request to negotiate a more feasible arrangement for repayment.

Regrettably, my request for a new debt negotiation was rejected by Bull City Financials, despite my genuine efforts to reach a mutually agreeable resolution. This denial has left me in a precarious situation, with the debt amount of {$1500.00} continuing to pose a considerable burden on my financial well-being.

I wish to express my concerns regarding the practices of Bull City Financials and their unwillingness to work with me during this challenging time. I believe that a more reasonable and compassionate approach to debt negotiation is essential, especially considering the extraordinary circumstances that led to my financial hardship. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and assess the fairness of Bull City Financials ' actions. I believe that a transparent and impartial review will shed light on the circumstances surrounding my debt situation and potentially lead to a more equitable resolution. 

I appreciate your attention to this matter and look forward to any assistance you can provide in ensuring a fair and just outcome.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Credit Systems,Inc. (SC)

This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MI)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX Comenity bank this debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX XXXX  / comenity bank that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a CAPITAL ONE customer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I used my Venmo account to send {$200.00} dollars to my sister. During the transaction on my smartphone, the Venmo application initially rejected the {$200.00} transfer due to insufficient funds in the bank account linked to my Venmo account. I confirmed I had sufficient funds in my bank account, XXXX, and I proceeded to once more send the funds through Venmo. On the second attempt, the funds were sent to my sister. 

My sister received {$200.00} dollars, and I thought all was good. I later checked my bank account and noticed Venmo had deducted from my XXXX account a total of {$400.00}. There were two deductions from my account of {$200.00}. This would have been fine if my sister had received {$400.00} because she could have sent the funds back. However, she only received {$200.00}. This was confirmed via the transaction history on my Venmo account and my sisters. Our Venmo transaction history indicated only one transfer of funds for {$200.00} had occurred between our Venmo account. 

I contact XXXX to confirm if two transactions had actually posted to my account. XXXX confirmed and provided the trace numbers for each transaction. 

I filed a dispute with Venmo who initially issued a credit of {$200.00} to my account, and I let them know what the issue was. In reviewing my dispute, Venmo did not acknowledge the fact that they had deducted {$400.00} in total from my bank account but their platform was only showing {$200.00} was deducted/transferred. In their investigation of my clam they asked my sister if she had received {$400.00} which she answered as no. She, as we had already determined, only received {$200.00}. Based on her response, Venmo determined that my dispute was not valid and attempted to deduct the {$200.00} from my bank account which was unsuccessful due to security features enabled on my account. 

Since Venmo was unable to deduct the funds from my account they placed a hold on my Venmo account and gave me a negative {$200.00} balance. I am now unable to use my Venmo account for payment transfers and services that I would normally use to settle tabs with friends. Further, funds that I do receive, that are rightfully mine, have been withheld by Venmo.
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

This is an issue with Chase Bank and there rewards amazon visa. I had setup auto pay and somehow it misteriously got unset. Meaning my account was on auto debit per my last conversation with a chase rep in   XXXX   XXXX   XXXX  . It was setup so no payment would be missed. Dealing with  Chase  over the phone is painful and so time consuming to the point that it forces you not to want to deal with them. final resolution is repayment of any and all late fees and any derogatory remarks filed to any credit bureau 's. I have reset up automatic payment again as off   XXXX   I will take screen shots to prove it has been set up again and if it happens again in the future and payment is missed do to the auto pay option not functioning I will file with a court of law for unethical practices. Please note no auto pay has never been denied by my bank either.
Consumer complaint received 2023-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

Merchants Credit Guide is NEGATIVELY REPORTING THAT I OWE A DEBT on my credit report that I knew nothing about I reached out to the company several times and have sent letters when I found out about the Debt and was never contacted back. Also the company is Inaccurately reporting the Debt on my credit Report, ( The date Last Active is Incorrect/inaccurate ) ( The date last Reported is incorrect/inaccurate ) ( The date opened is incorrect/inaccurate ) Therefore this Debt Should be Deleted immediately, it is negatively affecting My Mental Health my ability to build Credit and my ability to get credit I have been dealing with these for several years and now I'm ready to seek litigation. I would like this debt deleted immediately. 
According to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Thank You.
Consumer complaint received 2023-11-27
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Can't contact lender or servicer — 
Company: Coinbase, Inc. (NY)

In XXXX of 2022 I used XXXX dollars of XXXX as collateral for a XXXX dollar cash loan. In XXXX of 2022 I was locked out of my account. After several phone calls and emails I had to set up a new account and email address. In XXXX of 2022 Coinbase transferred my other assets to the new account, but did not transfer the loan. Coinbase has held on to the collateral, continues to sell the collateral each month and has not given me access to pay off the loan. I receive emails from my old account in the email that is associated with the original account that I do not have access to. Also, I receive emails to my new email that is not associated with the original account making me aware that Coinbase is selling my collateral.