davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc. (MD)

I am constantly being harassed with letters and phone calls from GM Financial in regards to an auto loan that was cleared in a XXXX XXXX bankruptcy back in XXXX. The company has made false claims against my credit reports now reporting false information to the IRS. My XXXX XXXX bankruptcy was approved and all debt was wiped away but this company is till sending me letters and I have even informed them of the XXXX XXXX bankruptcy, but they're still sending me debt collection letters to this day. 

Back in XX/XX/XXXX, I've send the company a cease to desist letter and to reach out to my attorney for any further communication and information and yet to this day XX/XX/XXXX i just received another letter from them. I'm currently working with my attorney to stop the harassment and as this is too much and wrong. Please assist with this complaint.
Consumer complaint received 2023-03-14
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. (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. 

Account name : XXXX XXXX Account number : 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 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XXXX i looked at my statements and saw on XXXX and XXXX i had XXXX $ missing. looking them over i go from a available balance of XXXX $ down to XXXX $ on a XXXX $ atm withdraw. on XXXX i go from XXXX $ down to XXXX $ i called the bank and they had no answer for how im missing $ i filed a claim but had my account closed witch i found weird because i had done this once before and didn't have it closed i told them I'm verified with XXXX already but they will not open or return my XXXX if u look at the available balance and add u can see $ is gone that i did NOT authorize
Consumer complaint received 2023-03-14
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. (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. 

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 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-10-07
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: SYNCHRONY FINANCIAL (MD)

Problem : I ordered two items from Amazon and never received them. I paid for them using my Synchrony Amazon Credit card. 

XX/XX/ -Requested refund ( {$26.00} ) letter- USPS mail Synchrony Bank didn't respond to request for refund until I emailed them on XXXX  through the web site.Basic response was they are looking into it. 
XX/XX/ - Synchrony Bank decision, they were not going to refund me {$26.00}, because Amazon said I received the items ( diced pears and freezer pops ). The information Amazon supplied to Synchrony Bank Clearly shows I did NOT receive these items. 
XX/XX/ - through Synchrony website I submitted a reply with additional supporting documents. 
I inquired a couple of times to see if they were reviewing the additional documents, with no response from them. 
XXXX XXXX XXXX attempted to submit the documents again. I get a message " try again later ''
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (ME)

My business partner sent me a bank wire on XX/XX/2023. 
It finally went to JPMorgan/Chase on XX/XX/2023. Still have not recieved the funds from my business partner. 
I recieved a notice from Chase that they are closing my business account in 3 days as of XX/XX/2023. 
As of XX/XX/2023 my business account was closed, i got a call saying my remaining funds in my account will be sent to my address on file in 2 days. 
Its XX/XX/2023 still no answer on my wire they called me, and said they cant disclose any information in reguards to the incoming bank wire of {$54000.00} from my business partner. 
This is unacceptable and i want those funds sent to me immediately without any further delay. I have sent proof before that this is not fraud, or any illegal activity. I have also attached proof in attachments to this complaint. 

Thank you!
Consumer complaint received 2021-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

Comenity Capital Bank and BJs XXXX XXXX XXXX XXXX continue to report an account ( COMENITYCAPITAL/BJXX/XX/XXXX ) on my XX/XX/XXXX credit report that they have acknowledged is invalid. XX/XX/XXXX, XXXX XXXX, and XXXX have all removed this item from my consumer report.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: U.S. BANCORP (OR)

I did complain to US Bank via XXXX file # XXXX I did complain on why US Bank failed to disclose that they are charging to remove escrow and as of today all they have responded is copy of the recorded note with deed of trust. The person at US Bank didn't even want to mention his last name and contact number on cover letter. He only signed his name is XXXX XXXX- I have tried number of times contacting them and all they are telling me is that if I pay 0.025 % point on balance of my loan they will remove escrow. All I want to see is a signed disclosure by me agreeing to this.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (FL)

I have XXXX XXXX dollars in Wise ( previously Transferwise ) they ask on XX/XX/XXXX for proof of address, I sent them over several documents including bank statements and my ID, at first they said it will be XXXX days now I have been calling them for more than month asking for an answer about my case and always the same, that they are reviewing it and still nothing, I moved to a new a place and had to get a loan to pay for all my moving expenses and new stuff for the house having XXXXXXXX XXXX in a bank account, and now I am struggling for pay my bills having money, this I think is out of control, is not fair to me or my family, hope to get an answer from you and that this complaint help to speed up things, thanks
Consumer complaint received 2023-03-01
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Card Services : Account # XXXX 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 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.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NE)

The series of events here are indicative of a bank weighing risk, making their buck, and completely disabusing a customer of their humanity. 

Discover closed my credit account I've had open for four years. In four years I've never missed a payment, they've made plenty of money off interest from me, and I've not had any complaints. 

In XXXX  I paid off an {$8000.00} dollar balance on my card after using a balance transfer they assessed a {$500.00} dollar fee on for terms of payment over a year without fees. I paid that entire balance off in the same month I transferred it. 

In XXXX they closed my account without notifying me, although they said they left a voicemail. The timing of this is incredibly suspect. 

This was an account I had spent the last four years building and arguably my largest available balance by far. I am currently in process of purchasing a home and this is going to tank my score based on credit utilization. In addition to this, I still owe them money from the balance transfer and they won't waive the rest of it. 

They nickel and dimed me ( an expression in this economy ) for late fees, transfer fees, and interest on transfer fees. Then they dropped my account. 

This really feels like they weighed the risk of maintaining me as a customer, decided they got their money ( and then some, ) and then scooted me out the door. " There is no way anyone above me in any department can waive this fee for you. This is not a customer retention issue because you aren't a customer. Your account is closed. I'm sorry to hear you aren't interested in opening another account with us. 

I didn't elect to close my account. You just randomly decided to verify it for the first time in four years and didn't hear back so you closed it out from under me after collecting your money. 

This is criminal.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

I have been trying to get my money back from chime for a long time. They have told me there is no funds and the get them back from the person that sent the funds and that is the IRS. They have not given the funds back to the IRS for them to even get them back. The amount in question is {$2000.00}. I have been on the phone with them many times telling me lies and the I should be getting a closer check but never have. I would like to know how to get my money.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (PA)

On XX/XX/2023 I, XXXX XXXX, mailed First Progress a notice informing them that pursuant to the Gramm Leach Bliley Act I am exercising my right to opt out of my information being shared and I no longer wish for my nonpublic information to be shared with XXXX. On XX/XX/2023, I mailed XXXX a copy of notice that was mailed to First Progress along with a notice specifically for XXXX informing them that pursuant to the Gramm Leach Bliley Act I no longer wished for my nonpublic information to be shared. First Progress blatantly disregarded my request and did not respond to my notice. However XXXX did an alleged investigation and responded stating that the information on my consumer report was verified as accurate. A financial institution such as First Progress must respect a consumer right to privacy and cease disclosing personal nonpublic information when they receive a notice from a consumer choosing to no longer share private information. XXXX has a duty to also respect a consumer 's right to privacy. I did not send First Progress or XXXX a notice disputing an inaccuracy, however I did notify both companies that I am opting out of my NPI being shared and both companies disregarded my request by responding stating that my nonpublic information was verified as accurate.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I made XXXX claims to Chase and they never followed the procedures of regulation Z and E. 
I sent all the required documents to the bank supporting these claims, but they argued that the fax sent to them was not in good resolution ( they couldnt read it ) So last week, around XX/XX/XXXX I talked with supervisor and I was requested to sent all again trough secure message to reopen the cases. 
XXXX is for merchandize not received and XXXX  is same situation but the merchant sent me a refund receipt ( but they didnt fund my account ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NJ)

The tracking number ( MTCN ) is : XXXX. 
Amount : XXXX USD. 
Date of Transactions : XX/XX/2020. 
I sent money to a bank account in XXXX, and till now the money didnt get in the receiver bank account and i have the receiver bank statement proof that the money didnt get in the bank account, and I contacted with western union customer service a lot of times by calling and chatting and mailing and still my issue didnt solve, and I contacted also by phone with supervisor and I told him that i made a refund case # XXXX and he told me that the money will refund in 2 business days and till now nothing changed ( after that case I escalated many cases and still my money didnt refund ). 
If you please I need to solve my problem and refund my money. 
Thanks.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

XX/XX/2014 Balance - {$9100.00} Santander Consumer USA has charge offs on my credit that do not belong to me because of litigation and settled from 34 US Attorneys.
Consumer complaint received 2023-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (AZ)

XXXX paid me a quarterly sales bonus based on the revenue I influenced as a Technical Specialist, and later told me that it really was an " advance ''. I never consented to or signed a contract that said I agreed to be compensated in such a bizarre manner. After the money hit the back, I naturally assumed it was my mine and spent it. Since they had a bad year, they claim I owe them {$2800.00}. Neither the creditor, CAINE & WEINER COMPANY INC, or the original creditor, XXXX XXXX XXXX can show I owe them this money contractually. 

They put a collection on my credit report, instantly dropping it by XXXX points. Candidly, what you have here is a XXXX dollar company harassing a former employee under dubious pretenses.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item or information from the file of the consumer, or modify that item or information, as appropriate, based on these results of the reinvestigation ; and Please note : XXXX XXXX Account number XXXX
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 

The letters are stated with items and issues. 

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 2023-03-09
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. (TX)

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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.