davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

I created an account on XXXX XX/XX/year> with WISE US INC in hope of transferring my salary back to my home country ( Transfer started on XXXX XX/XX/year> ). However, the process was never smooth. It was shown in the mobile applications of WISE that there is an XXXX amount of time that the transfer will take to go from my XXXX XXXX account to WISE account and they will remit the rest accordingly to the recipient account. The estimated timeline was never met on time and i have to consistently call the customer support but they can not do anything on their end. 

As a result, once i have finally managed to send over the funds to WISE account ( on XXXX XX/XX/year> ), WISE just deactivated my account without warning and my funds are literally gone together with the account deactivation. I tried to call the customer support and they can not escalate the matter to the appeal team and provide a resolution to my issue except to wait it out. 

I am in urgent need of the funds to be transferred and the amount totals XXXX USD.
Consumer complaint received 2024-06-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc. (LA)

I have reached out to CarMax about a repo dated XX/XX/XXXX. 
The amount of the fees is additional XXXX Total debt is XXXX They are updating the account EVERY MONTH refreshing the account as an active repo. Stating the last payment made was XX/XX/XXXX. It makes other creditors think it just happen and bring my score down.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MA)

XXXX XXXX XXXX XXXX. XXXX. # I.C. Systems XXXX # XXXX XXXX XX/XX/XXXX To Whom it May. 

I am in receipt of your notice dated XX/XX/XXXX. I have been in dispute with Since XXXX of XXXX, when I called and complained about the inability for XXXX to Live Up to the terms of their service agreement. XXXX has been unable to provide me the signal strength required to receive phone calls for my business, and the several attempts I've made to resolve this matter have met with failures on their part to live up to the terms of their service agreement. 
My home office is located on XXXX XXXX and the lack signal strength they provide in my town is widely recognized by dropped calls, continual impaired signal strength They acknowledged this and offered to send me a range extender that I was told would improve my service. This was in XXXX of XXXX, I agreed, and they never sent it. I called and told them and due to poor customer support, resulting in log wait times, outsourced foreign support representatives that had no ability to resolve my complaints. Each time I would explain the issues, it was like having to give a rudimentary class in English. Foreign representatives would need to transfer me to a the XXXX support, which was worse, and on the several occasions when I was able to talk to them, they failed to follow-up on anything that would cure this problem, or even returning my calls. It is my contention that XXXX could care less about fulfilling their contractual responsibilities. 
I had been left with no option but to transfer my phone service to XXXX mobile to resolve the problems. It is their failure to fulfill their contact obligations, and because of this breach of contract with XXXX I am disputing their charges in full, and further demanding payment for the phone lease in the amount of {$650.00} in return. 
XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (IN)

Included is a list of accounts that were opened in my name fraudulently ( company and amount ) : XXXX XXXX ( hard inquiry ) JPMBC CARD SERVICES {$9900.00} XXXXXXXX XXXX {$3400.00} XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXXXXXX XXXX XXXXXXXX XXXX {$320.00} XXXX XXXX  {$13000.00} XXXX XXXX {$9100.00} XXXXXXXX XXXX  {$5000.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX {$490.00} XXXX XXXX  {$330.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$120.00} These accounts are a mix of credit cards, collections, and utilities. I did not open or have any knowledge of these accounts
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I've reported this dispute several times. 
XXXX has updated my credit based on my report and Experian ; along with XXXX have yet to update the lateness 's on my report. I had a loan and stated I went 30,60,90 days late on an account while making payments on all of those months That doesn't make sense and missing a payment as small as {$19.00} for 3 months while making a considerable amount of money doesn't make sense either. 
That is not possible.

I paid all of my payments on time 4 screenshots will be attached two are my XXXX payment history one is the updated report by XXXX based on the screenshots and information that should be updated this way on XXXX & Experian The last is how it shows on XXXX ; along with experian You can not go 30,60,90 days late on anything while actively making your payments. 
The only way this will happen is if you're near defaulting on whatever loan or account Even if, the payments were late. they are made on a 14 day biweekly payment system - Whatever payment was made would still just rollover to the next two week period and never report as late. 

This is the last time I'm reporting these issues and the next will have to be legal action
Consumer complaint received 2024-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

We have XXXX XXXX XXXX. On XX/XX/XXXX we requested they setup a XXXX XXXX account to deposit the funds into. On XX/XX/XXXX they sent us 2 small deposits and on XX/XX/XXXX we verified said deposits. On XX/XX/XXXX i called in and verbally verified that our XXXX XXXX account was setup as the deposit account. On XX/XX/XXXX I processed a credit card through XXXX and on XX/XX/XXXX Chase sent me an email saying the money was transferred to my bank account on file. After not receiving said funds in my bank account after 7 days I contacted Chase to find out that they had sent the money to a closed chase account. When we asked how is this possible, they said oh, it can happen. Well, the fact that the money was coming from Chase, and was sent to Chase and Chase didnt even recognize that the account was closed is disturbing all in itself. After playing phone games and being bounced from rep to rep to rep for XXXX hours we get a rep that says oh your bank account was not verified and that is why it reverted back to the XXXX closed account. When i asked how did it revert to a closed account and 2 why didnt Chase notify itself that the account was closed an not accessible? But instead Chase sets by for a week to have to be notified by us that the account they deposited our funds into was a closed account and we need our money. They tell us we have to do the verification process again and it may take up to another week to get this done. This is nothing but a game and is really beginning to be a pain even having to deal with Chase after we spent over 10 hours on hold and calls today dealing with Chase.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I changed my password for online banking a couple of days ago and now im not being abble to access to my online banking, I called customer service and they said that my account need to " cool down '' to be abble to access. 
I made this change on the branch located on XXXX XXXX XXXX, XXXX, Florida.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy. 15u.s.c 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my instructions on the 15uscs 1666b a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 




I have asked them repeatedly to come get the vehicle, and they refuse, I was told the vehicle was not worth repo due to the value versus the loan. They are reporting this account as negative and it has affected my credit. I always get the run around, I have repeatedly called and all they try to do is have someone repossess the vehicle when I have voluntarily offered to surrender it in exchange to have the negative reporting stopped. They have damaged my credit, and are not willing to work with me whatsoever.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA said they were closing my account because of a bounced check on XX/XX/2022 and have had my funds frozen since that date. They say they XXXX hold my funds for XXXX days.
Consumer complaint received 2019-07-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I had a problem with PHH mortgage last month with holding my money in a suspense and file a complaint ( XXXX ) with you and that was resolved. Still wonder how and why I was charged interest since they had my money since XX/XX/2019 and didn't apply it to my loan until XX/XX/2019 when I got your company involved. But I was told told that I would have my excess money totaling {$290.00} refunded within 15 days and still haven't received it. So on XX/XX/2019 I acquired on their website about this issue. So this morning XX/XX/2019 I went to check my account on their website and it seems my account is disabled and I can not get in to check on my account. I feel this company really tries to not be consumer friendly at all and very dishonest.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

On Friday XX/XX/year> I was out shopping with my family. I went to transfer money out of my chime checking account to my XXXX to use at the store. I was not able to log into my account. I called chime immediately while in the store around XXXX XXXX  and they told me my account was closed for reasons they aren't able to discuss and an email will be sent to me telling me which transactions caused my account to be closed and why I can't get a refund. 

I got an email saying that my account has been closed due to LEGAL AND LAW ENFORCEMENT REQUEST and that is all that I have received in regards to my account. I tried to log in online to view the flagged transactions and my account was closed so I COULDN'T EVEN VIEW THE TRANSACTIONS OR ANY BANK STATEMENTS. 

I called 2 times after that on XX/XX/year> only to deal with rude and not helpful customer service. After that I lost hope and researched and found that many of other people are in my situation. Upon research I came across the CFPB and found hope to not only A ) receiving the money I work XXXX hard for and B ) Find out which transactions flagged my account, and who authorized this with no prior contact to me. But to lastly raise awareness to warn everyone about CHIME and securing your money. 

Truly hoping you guys can help. Thank you for your time and consideration to my claim. I wish you the best and STAY SECURED out here!
Consumer complaint received 2022-04-22
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 act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights XXXX U.S.C Section XXXX A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXXt Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (CA)

American Express contacted my estranged parents ( whom have a different last name than I do now ) at an address and phone number that I have no resided in more than 25 years. They forwarded an account statement that showed the amount owed to this same address and engaged in conversation tactics on the phone in which they attempted to get them to make a payment on my behalf and disclosed the account balance. 

They disregarded other addresses and phone numbers shared and in the public domain and with them directly. Additionally, the account in question had been reported for Fraud activity previously. Attempts to contact via post have resulted in boiler plate form letters being dispatched rather than meaningful correspondence as it is in collections. This case was reported to the statutory address of record for legal matters and so far no meaningful correspondence has been received. 

In the doing so they officially disclosed my new legal name and associated that legal name with an address I do not reside at with people I am not biologically related to and violated my privacy and created a security concern in the public record associating my old last name with my new last name. 

Unacceptable. Illegal and costly to fix.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had a XXXX account XXXX went to collections with Portfolio Recovery. Whenever I logged into their website, my account showed a XXXX balance. I have screenshots going back periodically over the past XXXX years. I disputed the entry on my credit reports several times and notified the credit reporting agencies that I had contacted them to resolve the debt but they declined to accept any payments. Nevertheless, they continued to verify the debt. Next, I receive a demand letter from XXXXXXXX XXXX XXXXXXXX and discovered that Portfolio Recovery retained them. The amount is now over {$3600.00}, much of it fees and interest. I believe Portfolio Recovery is intentionally making it difficult for borrowers to pay so that interest can accrue. Your organization censured Portfolio Recovery in XXXX  for similar practices and were ordered to revise their debt collection activities.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the dark web. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2  ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX  {$450.00}
Consumer complaint received 2024-04-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma (TX)

I made a phone bill payment on XX/XX/XXXX for with my debit card in the amount of {$110.00}. I was having issues with the phone carrier so I called and thought this was corrected, XXXX XXXX stated that they fixed my account and for me to pay {$140.00} this would restore my services and my bill would not be due until XX/XX/XXXX. I paid {$140.00} on XXXXMy services was restored, and not sue until XX/XX/XXXX. I also advised XXXX that I had been trying to contact them prior to my card company and I had summited dispute with my card company for the {$110.00}. XXXX stated that since this was in process they did not need to issue a credit or refund if my card company had already was in the process of issuing one. The card company provided me a credit after they research the account they determined the {$110.00} was due back to me I received the credit on XX/XX/XXXX. Then on XX/XX/XXXX my services was turned off again stating the payment for {$110.00} was reversed, and in order to even speak with anyone I had to make a payment of {$110.00}. So they took the funds on XX/XX/XXXX for {$110.00} and then turned my phone off again on XX/XX/XXXX now the bill is due again. My issue is with the credit card company because once they issued me a credit and then the phone company took the funds again I filed another dispute with the card company they stated that they where not able to issue a credit. I informed them this was the same issue from previously that was already resolved and a credit was issued, They refused to issue another credit stating they need to research what was already researched and credit was issued previously. I just want my funds back I have paid a bill that is supposed to be due once a month 3 times in 2 months.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am currently a victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (TX)

My identity has been stolen along with a possible PPP loan under my business name Small Texas connected entertainment. Copies of my drivers license and social security card have been stolen. Multiple police reports have been made the perps have rerouted my mail back to old addresses I believe to obtain the mail. Also this could include Money laundering drug trafficking human trafficking etc. I moved from XXXX XXXX XXXX back in XXXX of XXXX on my credit report it shows me moving back XX/XX/XXXX. It's been a lot of mail i haven't received. I've found banks accounts with my business name and money transfered. XXXX XXXX bank XXXX XXXX XXXX XXXX cards different insurance policies even looks like a hospital bill maybe.