davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

We had been Chase Private Clients for 9 years, using our savings account as a place to simply set money aside. We had a checking, savings and money market account. Transactions in our savings account were rare, and mostly for transfers between our checking and savings. We didnt look at it often, but noticed the balance was lower than expected at the end of XX/XX/XXXX. It was then discovered someone had hacked our savings account and had been making withdrawals starting on XX/XX/XXXX via XXXX echecks and XXXX instant transfers, etc. 

On XX/XX/XXXX I called the bank and worked with a representative to report the fraud and reverse the charges which totaled {$15000.00}. They were only willing to reverse {$4500.00} initially. We filed a police report in our town on XX/XX/XXXX. We reported the fraud with XXXX. We spoke with our private client advisor as well as many others up the chain. We closed the hacked account on XX/XX/XXXXXXXX  and moved our savings to a new account that same day. 

On XX/XX/XXXX Chase decided to decline the initial reversals and subsequently withdrew {$1000.00}, followed up by another withdrawal on XX/XX/XXXX of {$1300.00}. This was shocking as the original fraud charge reversals were only XXXX of what was stolen from us. Now we were looking at reimbursement of fraudulent charges of only {$2000.00} of the {$15000.00}. 

For months we went so far up the chain of command requesting and begging for these fraudulent charges to be reversed. The hackers had stolen our money set aside for college tuition and Chase washed their hands clean of it. We were told the bottom line was Chase did not care whether we remained their client and would rather lose our hundreds of thousands of dollars in Checking, Savings, and Investment accounts than reverse another cent of the remaining {$13000.00} stolen from us. They were not going to help us and they were not going to reverse any more charges. 

They refused to acknowledge a cybersecurity failure on their part that allowed this to happen in the first place. Not once did they send an alert about suspicious charges being withdrawn from a largely unused savings account. Not once did they notice these incredibly suspicious charges. They could not answer the question as to how someone hacked into our account and how they could link a savings account number to XXXX without any permission, signature or verification with us, the account holders. Instead, every conversation from the start, Chase had a pattern of victim blaming and telling us it was our problem.
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

I literally have not been able to use the Amazon Store Card website for years because it never accepted the password I knew was correct. I eventually gave up and would pay as a guest. Attempts at changing the password would not work because it used an old phone number and would not accept my updated phone number. I was finally able to get into the website after multiple attempts to change the password, and I updated all of my info : password, address, PHONE NUMBER. And yet, when I tried to login again, the website told me the new password it had previously accepted had too many characters. When I attempted to reset the password, it would ask for my old phone number for verification. To be clear, this old number had been deleted from my account when I updated my info. The website refused to text my new number, and requested my government ID to verify my identify, which I was not comfortable with sharing, given years of issue with the website. 

I called an agent for help. She sent me a bunch of links to reset my password. Link after link, the same issue happened. Every method she suggested was something I had already tried. I hung up and called again. The new agent sent me password reset links to my phone, literally four of them. I was able to update my password once after she sent me a specific code to use from her end ... and then, yet again, I was unable to login to the website. 

The website has been all but inoperative for years. Customer service agents are unable to do anything beyond sending links and temporary codes to login, and then the website will not accept your new information -- IF it even lets you login in the first place. 

I must repeat, it has been this way for YEARS. I gave up. When I tried to fix it, I was back to where I started. I am literally unable to log into the website to pay my bill, see my balance, or update my information. The password it accepted as an update is now rejected as having too many characters. Both agents I spoke with were audibly confused. If I want to update my information or payment methods, I must call customer service, fight with an automated system that barely recognizes responses both verbal and input, and then eventually get shuffled off to agents who know nothing about the system they are working with. This is incredibly predatory.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

I made a payment to Barclays card on XX/XX/XXXX, the payment went through and they charged the payment from my bank account ( XXXX XXXX ), days later Barclays claimed that the payment was returned by insufficient funds but the money was taken from my bank account and never returned. I called Barclays and they said they never received it. So I called my bank and file a claim for the {$500.00} now Barclays is charging me {$500.00} and said that I didnt agree with the payment when they said they never received the money! I have spend like XXXX hours in the phone and non of the Barclays representative had a response for me! BARCLAYS US worst bank in the us!
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advantage Credit Counseling Service, Inc. (CO)

Since XXXX and until XXXX, I had been involved in a debt management plan with XXXX of XXXX for several credit cards. This program was completed successfully by me in XXXX. 

My consumer report displays delinquent account data for only one creditor ( XXXX ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only XXXX. 

I attempted to resolve this situation initially with the XXXX of XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with XXXX several times for an answer to no avail. Further complicating this issue regarding records, XXXX of XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. 

I personally contacted XXXX to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. 

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for XXXX, which has absolutely devastated my credit reports, and caused me severe financial harm. 

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
Consumer complaint received 2023-11-19
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: JPMORGAN CHASE & CO. (AE)

My husband and I are XXXX XXXX XXXX XXXX XXXX members stationed aborad in western XXXX. On or around XXXX XX/XX/2023, we attended a XXXX concert in XXXX, XXXX. In the next couple weeks, we noticed many fraudulent charges made from a XXXX XXXX or XXXX XXXX account in XXXX and the XXXX. My husband and I do not use XXXX XXXX or XXXX XXXX, and we did not make any credit card purchases the night of the concert. We believe our card was cloned or scanned from our pocket/purse. We did not make any of these charges. On XXXX XXXX, I submitted a fraud review with Chase and as of today ( XXXX XXXX ), Chase has claimed we are responsible for these charges because we received " benefits '' for them. I don't want the benefits from the fraudulent charges. Chase never removed them from my account during their investigation. I used them recently to pay down my balance, but I did not charge these fraudulent charges. This is crazy and very distressing. How do we resolve this? It is a very large number of charges.We have never been to XXXX, and while we have been to the XXXX, we haven't been there since June. Please help. This {$10000.00} that we did not charge to our Chase card.
Consumer complaint received 2018-10-25
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. (FL)

Please REMOVE the reported non-compliant claim from the data furnisher of XXXX for account # XXXX ...., XXXX XXXX for account # XXXX ...., it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX .... & # XXXX ...., lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times  GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Consumer complaint received 2023-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MS)

My name is XXXX XXXX and Im a customer with Chime banking. XXXX beginning of 2023 someone I knew hacked my bank account out of malice. I went to the bank and had to send multiple pieces of information to prove who I was so I can simply log into my account that I was now locked out of. I filed a dispute for charges that were made while I didnt have access to the account and multiple times my dispute was denied. Even though I had multiple pieces of proof that I was not in my account and didnt authorize the transaction Chime still made the situation unbearable.
Consumer complaint received 2018-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

was notified of a collection added to my transunion report from a company called XXXX XXXX XXXX XXXX XX/XX/XXXX for a XXXX XXXX XXXX account. This is from XXXX and was filed and XXXX under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on transunion and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these viloations
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION (NY)

Hi Madam/Sir, I had a plan to invest in the stock market. That is why I subscribe to XXXX XXXX XXXX ( Paying $ XXXX ) to learn about stocks. I am a fan of XXXX XXXX who owns XXXX XXXX XXXX XXXX XXXX XXXXl. As a clear value subscriber I join XXXX XXXX XXXX XXXX XXXX XXXX  ). After a few days of joining the XXXX server I got a message from XXXX XXXX regarding investment help. I thought he is realXXXX XXXXXXXX and started communicating with him. I told him I want to invest $ XXXX in stocks and help to pick the right stocks. He told me to invest through XXXX XXXX XXXX, so you will be more beneficial and risk free. Before starting investment he told me that he is XXXX XXXX and he owns XXXX XXXX XXXX and XXXX channel as well. After that I have invested {$10000.00} to XXXX  for XXXX years. Then he gave me his vendor 's ( XXXX XXXX ) bank account details and told me to do Wire transfer to her account and she will transfer bitcoin to XXXX XXXX. Then I have transferred $ XXXX to his vendor bank account. At this stage I have given him ( $ XXXX + $ XXXX ) $ XXXX. He was always pushing to top up the account. Then he said yes you can earn a monthly basis which will help to resolve financial problems but you have to deposit $ XXXX then I can enroll you monthly basis. Then XXXX let me arrange money and let you know. After arranging $ XXXX I did multiple wire transfers to his vendor account. After 1 month of deposit when I asked for my monthly earnings withdrawal he was telling me you have to deposit another $ XXXX for my wife 's account. My family is struggling very badly because I am paying monthly installment of credit card transfer money and family expenses. I have XXXX kids and I am the only earning holder of my family. 
I did the following Bank wire transfer of {$58000.00} and all together I gave him {$63000.00}. 
Bank Account Info : Bank Name : Alliant Credit Union Bank Account Name : XXXX XXXX Checking Account : XXXX Routing number : XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXX, PA, XXXX Bank Address : XXXX XXXX XXXX, XXXX, IL, XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$830.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2018-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX  and XXXX and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.
Consumer complaint received 2024-02-05
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: GOLDEN 1 CREDIT UNION, THE (CA)

I was made aware of fraudulent transactions on my account with Golden One when I received a notification letting me know I was late on a payment. These transactions posted to my account between XXXX for a total of {$1000.00} by usage of my credit card. Please note that prior to these transaction I had a {$0.00} balance. I did report this to the bank as soon as I found out and a claim was opened Case XXXX XXXX. However, on XX/XX/2024 I received an email notifying me that they had determined no error occurred as the services were rendered by the merchant listed in the dispute and physical card was present where the CHIP was authenticated at the merchant 's terminal and the card was in my possession. I did not physically make these transactions nor did I authorize or lend my credit card to anyone. I have filed a police report so that I may provide that to Golden One and currently still pending a policy report #. Never did I think my card was being used unauthorized due to the fact that I never lost the card and still have it in my possession. I called Golden One to appeal the decision but was told there was nothing else they would do to further the investigation nor could they provide any additional information such as footage. I have never had a late payment, my credit history is perfect, and my credit score is above XXXX. I'm extremely disappointed in the decision they've made as per my research its very possible that the card could have been duplicated. Please help. 

Thanks, XXXX XXXX