davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MD)

I made a purchase online using my chime account. I read the reviews on the company on which I made the purchase and there were bad reviews so I XXXX  chimes customer service number and came across a number with chimes logo so I called it speaking to a representative, there was a bad connection. I communicated that to him, he then called me back from another number proceeded to discuss the transaction that I wanted to cancel. He asked me to go into my chime account and give him the exact information on the transaction and the process of speaking with this person I received an incoming call from my mother, which she could not hear me and I could not hear her so I proceeded to tell her that I would call her back once clicking back over to what I thought was chimes. Customer service gentleman informed me that my funds would be put back into my account from the transaction that I was disputing, he told me that it should be there shortly. He was working on putting the funds back and then noticed that my original balance of {$690.00} then turned to a - {$690.00} balance he assured me that that will be returned to my account along with the, money from the transaction that I was disputing the line, then went blank and then later learned from my coworker who introduced me to chime of my problem, and he told me that chimes customer service can be reached through the app, then reached out to chime, and they denied my claim to have my money returned then open several more disputes and all were denied. This all took place around XX/XX/year>. I asked them to provide me with what they used and their investigation, and all they sent me was a screenshot of the questions that I answered. I asked them to investigate the account where my money went and I have yet to get a response, just a denial. I also told them to look at my account and see that I do not transfer large sums of money, other than to pay my bills. Also when the call was dropped, my phone started acting very weird and powered itself off so I can contacted my phone company as well as XXXX to reset everything on my phone and add extra security.
Consumer complaint received 2022-05-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (LA)

In XXXX of XXXX  I financed a vehicle with Santander and during the months leading up to XX/XX/2020 I made all of my payments on time. In XXXX I was a nurse working at the height of the COVID-19 pandemic and became infected with the virus. That being said I was unable to work for about a month attempting to recover from illness as well as its residual affects so I asked for an extension on my payment. The customer service rep offered their covid-19 relief program which basically stated that my payment for that month would be added to the back of my loan. I accepted but they still reported a missed payment. In XXXX we were then affected by a Hurricane which caused major power outages, property damage and flooding so I asked for another extension due to the fact that me and my family had to evacuate. Again they made note that I had been affected by natural disaster but still reported a missed payment for that month. XXXX I made my regular payment but it was not reported. In XXXX I set up an auto draft from the account on file with the bank and the payment was never drafted. XX/XX/XXXX my car was repossessed. I called and was told that i was to pay a balance of somewhere close to {$3000.00} to get my vehicle back. They told me that I had until XX/XX/XXXX to remit payment or my car would be auctioned off on XX/XX/XXXX. I called on XX/XX/XXXX to pay my balance in full and was then told by the rep that santander was not approving my account for repayment and that I basically just couldn't get my car back although I had the money to pay and called by the deadline provided. I also tried on several occasions to obtain a copy of the auction receipt to verify the balance owed on this loan and was given the run around by reps also all mail correspondence sent to the creditor by me was ignored. Also This company shows an outstanding balance of {$8700.00} on my customer portal as of XXXX but is reporting an outstanding balance of {$12000.00} to XXXX, XXXX and XXXX
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (LA)

Some time before XX/XX/XXXX, I had applied to Synchrony for a credit card ; however, Synchrony said that it could not identify me, and thus rejected the application. However, Synchrony did a hard credit pull, and refuses to remove it. If Synchrony is saying that there was a problem in identifying me, then it is against due process to consider that I was the one who had applied for credit, and thus the hard credit pull should be rescinded. Surely there is something in the Federal Code that requires a rectification.
Consumer complaint received 2019-11-27
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: Experian Information Solutions Inc. (AL)

Hello I'm reaching back out because I have again tried to use my credit and was not approved because of things on my credit that is not mine. I contacted the FTC and my local police. There are even several bankruptcies on there that are not mine. I we.s advised by the Bankruptcy Court  that do not verify bankruptcy and advised me to contact another company called XXXX XXXX. I spoke with them and they also verified that I do not have any bankruptcy. The other accounts on there that is not is Chapter XXXX and XXXX Bankruptcy, XXXX  XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-01-19
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. (MD)

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 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 2022-05-27
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. (MO)

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and addressesXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with XXXX, Equifax, and XXXX credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Consumer complaint received 2023-11-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC. (NH)

On or about XXXX the XXXX 2023 my truck was repossessed but I was still paying on my truck and thought everything was fine so I called the loan company and they said I was 104 days late and they still took the money for truck payments but before all this happened my wife passed away so I called the loan company ( Santander ) and asked them to defer the 3 months of payments to the end of my contract and I thought they did but now I dont think they ever deferred those payments and as a result my truck got repossessed my wife passed XXXX so the payments were supposed to be XXXX, XXXX and XXXX that got deferred until the end of my contract they repossessed my truck with no notice
Consumer complaint received 2019-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

An ACH transfer was sent from XXXX XXXX XXXX  to Wells Fargo, the ACH recipient ( me ) information entered by the sender ( Trustee of an estate ) did not match, i.e., Name and account number. The ACH settled on XX/XX/2019. The money has yet to be returned so that the transfer may be executed with the correct information. It is a six figure sum. Wells Fargo claims it could take 45 days to return the funds???? Further, they Wells Fargo, has not verified where the money went??? Should I file a complaint with the police?
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The company stated in their response to my CFPB complaint # XXXX on XX/XX/19 that they were permanently crediting my account with the {$51.00}. However, what they did was put the charge back onto my account -- Again ... The amount is listed in black, rather than in green with a negative sign in front of it like how a purchase adjustment is supposed to be. I called them several times about this but I ended up getting nowhere because I just kept getting the runaround and being put on hold which took 45 minutes to an hour each time. Eventually I had to hang up because it was taking way too much time -- Over something that was their fault, not mine. They're getting paid for their time and aggravation over the phone, not me. I feel as though they treat customers this way on purpose so that they don't get their issues resolved. I will be closing my account with Capital One after this experience. In the meantime, they need to credit my account like they told both you and me they were going to do. And they need to do it twice, because they've rebilled me for the {$51.00} twice. I am also getting socked with interest charges over this because i refuse to pay an amount that they told both me and you was going to be credited. And I sure as XXXX am not paying the amount twice either. These people are corrupt. Please do something about this ...
Consumer complaint received 2022-05-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I, XXXX XXXX XXXX the consumer,, have new and updated information in regards of a previous complaint. Pursuant to 15 USC 1681, I have 30 days to a completion of a reinvestigation. Experian, XXXX, XXXX have violated my rights by not responding within the 30 days nor have I received information of the procedure used to determine the accuracy of the reported information on my consumer report. I am submitting this complaint to ensure I have my rights protected to a proper investigation under 15 USC 1681i.
Consumer complaint received 2022-05-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I, XXXX XXXX XXXX the consumer,, have new and updated information in regards of a previous complaint. Pursuant to 15 USC 1681, I have 30 days to a completion of a reinvestigation. XXXX, XXXX, Equifax have violated my rights by not responding within the 30 days nor have I received information of the procedure used to determine the accuracy of the reported information on my consumer report. I am submitting this complaint to ensure I have my rights protected to a proper investigation under 15 USC 1681i.
Consumer complaint received 2022-05-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX XXXX the consumer,, have new and updated information in regards of a previous complaint. Pursuant to 15 USC 1681, I have 30 days to a completion of a reinvestigation. XXXX, Transunion, XXXX have violated my rights by not responding within the 30 days nor have I received information of the procedure used to determine the accuracy of the reported information on my consumer report. I am submitting this complaint to ensure I have my rights protected to a proper investigation under 15 USC 1681i.
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (MI)

I received a collections notification ( I literally have no late payments on all of my accounts ) on my credit report. 
I contacted the company listed Harris & Harris.

Gave them my name and ssn- they had no record and could not tell me where the debt was from.

Have them my address again they could not even pull up my account.

I researched the credit report thoroughly and told them the debt was {$140.00} - said It could be medical or utilities. I am utterly confused on how they can be reporting a debt when they cant even give me the details to sort through the issue.
Consumer complaint received 2022-05-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau last XX/XX/2022, and now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (MO)

I've contacted XXXX  XXXX & they told me I've never missed a payment, yet Equifax refuse to remove me from being listed as 120 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau last XX/XX/2022, and now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. 
KINDLY UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-05-27
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. (IL)

On XX/XX/2022 I notice there was serval errors on my credit report with XXXX, XXXX and TransUnion. I reached out to them to fix the errors and also sent out a notice of error to remove all fraud that has been reported on my account without my written consent. The credit reporting agencies never responded back to me or bother to fix the problem. So I sent out a second notice on XX/XX/2022 to all the credit reporting agencies and still haven't receive a response back for them to fix the errors. This will be my last attempt to try to work this out before I have to take the steps to start the litigation process about the fraud activity taken place on all the credit reports.
Consumer complaint received 2024-06-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Spoke with Citi bank about late fees that occurred due to Citibank taking me off autopay. When I spoke to the rep they advised me that my late fees would be refunded to me within 5-7 business days. After that no refund was given and I was told they were unable to refund the {$150.00} in fees that they originally promised. No reason was given for the company refusing to fix their error. They then proceeded to contact me from morning to night every day. In a month I estimated they called me nearly XXXX to XXXX times. Even after requesting that the harassment stop I was called. I have requested multiple times to speak to someone and have the harassment addressed and the main office continues to intentionally ignore my requests. I've since spoke with the XXXX and CITI continued to not even try to solve this issue and instead provided a generic message claiming they would reach out but never made an effort to resolve this issue.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DE)

I want to know why was my account limited. In my last dispute the case was decided in the favor of the customer before I could submit a reply when I still had 2 days left to respond. I did not violate the user agreement in any way and I'd like to see try to prove that I did. Limiting my account was a mistake and I'll gladly dispute you for the money being held in arbitration. 

I will not be waiting 180 days because I already know I'll get nothing at the end of the 180 day period. You'll make me wait several months but instead of sending any money, exactly a month before the 180th day you'll seize all the money as payment for " damages '' that don't exist. I know your pathetic company 's slimy tactics all too well. This is hardly my first time getting f***ed over by your company. 

I couldn't care less about the limitation. I'm already processing payments with a better company. You can keep me banned but you're not keeping my money. I will give you one chance to pay me the money I'm owed. Deposit the money once they become available to my bank account or you can tell your lawyers I will see them in arbitration with a dispute but I can promise you won't only be for the seized money since it's hardly everything I'm owed. In addition to all money from my most recent PayPal account XXXX I will be coming for every penny previously and just as unjustly seized from other PayPal accounts that I own and used to process payments on my website as well as thousands of dollars in lost revenue due to inactivity resulting from my inability to process payments which is result of the unjust limiting of my PayPal account.