davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
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: EQUIFAX, INC. (AZ)

I am a victim of identity theft and the following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I been receiving harassing and threatening phone calls of profane and abusive language, threats of legal action, wage garnishment, jail, prison, XXXX and death from representatives from the above creditors. This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law. The fraudulent accounts are not my accounts.
Consumer complaint received 2022-02-17
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. (GA)

The consumer reporting agency violated XXXX XXXX XXXX XXXX ( XXXX ) by furnishing a XXXX XXXX  XXXX account on my consumer report without my written permission. I never gave the consumer reporting agencies written permission to furnish XXXX XXXX XXXXXXXX on my consumer report.
Consumer complaint received 2018-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XX/XX/2018 I was having issues trying to make an international transfer through MoneyGram online services. After several attempts, the transaction finally went through taking the agreed sum of XXXX {$71.00} from my debit card. Without prior notice or security verification of any sort, I received an email from Money Gram that the transaction had been cancelled and I should wait 3-10 business days before the amount will be credited to my account. 

I contacted their customer service line who transferred me to the Online Department, which told me that it was as a result of security concerns. I enquired why such a drastic measure without any notification or request for verification or something. I was notified it was their policy and that was that. I then asked to be transferred to another level which was their Escalation Department. I spoke with a XXXX who could only give me the same information and could not escalate my call any further. 

The main issue I am having is that if there was a security concern, why not instead freeze the transaction and in the same way, send an email to say I need to call Money Gram to verify or why not put a verification system in place. It was very rude of them to ruin my business without any sorts of prior contact or anything. I had to make contact with them after receiving notice that the transaction had been cancelled. This is bad business practice ; they had no problems withdrawing the amount but now because of " laws '' as they notified, I am now left to suffer waiting another 3-10 days before I can put that money to use again. 

The only means by which to make a complaint as I was notified by XXXX from Money Gram 's Escalation Department is to leave a note on the " contact us '' page of their website and wait 48 hours to be contacted for a mishap I never did but is being severely punished for nonetheless. They had no real sense of urgency for the inconvenience it is causing. 

What recourse do I have as all I had really needed was for that amount to have been transferred today but Moneygram is instead stuck on procedures that does not benefit the needs of the consumer.
Consumer complaint received 2019-11-18
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. (SC)

I have been a victim of identity theft due to someone stealing my identity. In addition, they hacked into my network and stole my personal information, which someone opened up fraudulent account and inserted fraudulent inquiries on my Equifax credit report. I disputed the fraudulent information with them already, which I provided a police report and affidavit to proactively remove those items. Therefore, Equifax did not remove those fraudulent items, which they are violating The Fair Credit Reporting Act, 15 U.S.C. 1681, which is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Therefore, they violated this act. Also, I have disputed the same items with XXXX and XXXX and they complied and removed those fraudulent items from my credit reports. So, what is the issue with Equifax? I am asking you all to get onto Equifax to make them comply. If they do not comply, I will take this matter further and report them to the state of Georgia 's Attorney General ; and furthermore, take Equifax to court.
Consumer complaint received 2019-01-13
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. (TX)

On XX/XX/XXXX I notified XXXX, XXXX XXXX and Experian of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I have had a Chime checking account for a few months and use the debit card for daily shopping both online and physically. In XXXX, I went to XXXX for a trip and encountered an ATM withdrawal issue. The machine did not dispense cash but my account balance was deducted. Chime denied my dispute without even disputing the merchant for me. My claim ID is XXXX, with total disputed amount {$850.00}. 

XX/XX/XXXX, I tried to withdraw cash by using Chime debit card at an ATM machine in XXXX. I tried in XXXX XXXX for about equivalent of {$350.00} US dollars ( the exact amount after currency conversion is {$340.00}. ), but the machine did not dispense any cash. At that time, I could not get hold of the ATM bank since it was at night. 
XX/XX/XXXX, I called the ATM bank and was told that the machine should be good and I could try again, and call them if that happened again. According to their instruction, I tried again at the same machine but encountered the same issue. At first, I tried to withdraw about {$350.00} in XXXX XXXX but the machine did not dispense any cash. During that time, I was in urgent need of cash because many merchants only accepted cash in XXXX. So I tried the second attempt but could only withdraw about {$150.00} because Chimes daily withdraw limit of {$500.00}. However, the same issue happened, the machine did not dispense any cash. 
XX/XX/XXXX, I called the machine bank again and was told they would need some time to resolve the issue. In addition, they said if I could not stay there to wait for the outcome, I could call my own bank and they would work with my bank. During all the communications, there was a language barrier between myself, not a XXXX  speaker, and their English-speaking staff not being fluent at all. One thing they were correct was that I could not stay there waiting. 
XX/XX/XXXX, I called Chime to dispute the total amount of {$850.00}. 
XX/XX/XXXX, Chime emailed and denied my dispute. I requested the document for reasons of denial. 
XX/XX/XXXX, Chime sent me a document stating their reason for denial. Basically, their reasons were : my withdraw velocity was high, amount was up to daily limit of {$500.00}, at the same ATM machine, and my account was newly opened in the past 3-6 months. 

I do not accept Chimes decision solely based on their own assumptions. Daily limit of {$500.00} is not a large amount and it is very reasonable for normal travel use. They did not even bother to fill up a form to dispute the merchant at all. What I have felt is that there is no client protection by using Chime debit VISA card. Therefore, I am submitting a claim here to get my money back.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

Monday, XX/XX/XXXX, I was notified by my clearance investigator that I had a 30-day late payment on my credit report. I knew this was wrong because my payments are on autopay but I went online to try to make a payment anyway. The website was down so I contacted XXXX and they informed me the site would be back up the following Monday. After logging in on Monday, I still could not make a payment so I called XXXX back. I finally was able to speak to someone competent as she did some investigating and realized XXXX misapplied one of my mortgage payments to the wrong loan. This caused a 30-day late payment on my credit report. She informed me it was the bank 's fault and that they would try to fix the late notice on my credit report. 
I am trying to get a personal loan and I can not with the credit score hindered by this misleading and inaccurate reported information from XXXX. This has caused some personal XXXX  and distress not knowing when this item will be removed. 
Please removed it from my credit report as soon as possible as this is a hindrance to my way of life and as a consumer, this is a violation that is still on my report.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

I refinanced my mortgage with a different company and my old mortgage was paid off in XX/XX/2019 with Freedom Mortgage. I am trying to understand why they have not sent my reimbursement for over payment and additional escrow funds that were in my escrow account at the time of payoff. I have sent them an email 2 times with no responses. First was sent on XX/XX/XXXX just for an inquiry and amounts. I called last week and the lady said it takes 2 weeks to see left over amounts owed back to consumer. I sent another email on XXXX and no responses. All I want to know is how much is owed back to me and when I will see this refunded?
Consumer complaint received 2019-09-09
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. (FL)

For the past two years, I have been denied credit due to what was reported to the companies for which I applied too, and the information on my credit report ( once I received it ) wasn't what the companies reported was given to them by the credit agencies. The Credit reports came from Equifax and XXXX, but there was not form to resubmit to the credit reporting agencies to inform them of what was occurring with the incorrect information. However, since that time I've been recently denied credit again, althought ; since the denial I've had unpaid hospital bills due to being put into a unpaid status unjustly at my place of employment, which probably has lead to negative issues on my report after XX/XX/2019! However, my credit score took a 100 point dive for some unknown reason prior to my unpaid medical issues recently! Nevertheless, I did receive a settlement notice from one of the credit reporting agencies that my credit information may have been compromised, which I suspect that it has been compromised with both of the agencies by the issues that I've been having over the years with my credit, after having Excellent credit for many years!!!
Consumer complaint received 2019-09-09
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2020, {$500.00} was taken out of my savings account unauthorized. When I went into bank to find out why, I was told this was due to fee for Navy Federal Appraisal fee. However the appraisal fee was taken out off my credit card last month. After explaining this, I was then told to email XXXX I noted this email as urgent.

PS- I canceled the appraisal a week ago due to being talked to like a child after being with the company for 7 years serving in the military. Now they are taking money out of my savings authorized. I would appreciate assistance in this urgent matter as soon as possible.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I financed/purchased a vehicle thru XXXX XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I voluntarily surrendered the vehicle and it was sold at auction sometime in XX/XX/XXXX. The vehicle did not sell for as much as I had hoped and had a remaining negative balance of which I owed to XXXX. After litigation, we came to an agreement on terms/payments and I entered into a structured re-payment plan with XXXX for the remaining balance. Sometime in XXXX of XXXX, suddenly XXXX started reporting my account as a CHARGE OFF and that I had been making monthly payments of {$360.00} thru a lawyers firm directly towards my account. From a credit standpoint, it looks like I have an active CHARGE OFF on all 3-credit agency reports, and what's worse is that it looks like I'm paying {$360.00} on a monthly basis towards and account that says it was " Account charged off. {$25000.00} written off ''. Which is not true whatsoever. I've tried to contact XXXX, but since this account was involved in litigation, nobody seems to have access or ability to help me get this corrected. With XXXX reporting that this is still a CHARGE OFF and reporting an updated payment status each month against that it is causing my credit score to be reduced over 100 points on each agency. XXXX had not reported anything against this account in almost 2 years, but all of the sudden in XX/XX/XXXX they submitted and update to all the agencies and created a credit issue or problem as to what that loan actually is, and what the current status is.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TX)

I deposited money around XXXX at a Chase bank ATM and it kept my money. They told me repeatedly that they would give me a credit of the amount I placed in machine. That day j was depositing around {$1400.00} for my rent that day. Because they took my funds and did not give me any credit since I'm late with my rent and will have to pay additional fees. I've called many times and made complains and asked if theres anything g they can do to speed up the process but they tell me the same thing over and over again that it takes time. I have XXXX kids and our family is living in a small apartment that costs almost XXXX a month. School is starting soon and I have nothing to shop with because all if what I had went towards paying g what I could with rent so as to not get evicted.
Consumer complaint received 2019-01-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from XXXX XXXX XXXX for a debt from Nissian. I never heard from Nissian or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called Nissian regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. Nissian never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from Nissian or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.
Consumer complaint received 2019-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (MT)

This is the complaint against Amex Business credit card ending in XXXX. All payments have been made and the card has been closed 2-months ago. And here I receive a payment notification of {$170.00}. What for? 
This card troubled me from the very beginning - it was approved immediately but never reached me. As a result, I could not receive any benefits. Then the card was neither received nor in my use but I keep on receiving notifications about the charges made on the card. Id be asked to pay those unauthorized charges along with the elate fee/interest charges that were added to the unauthorized transactions. 
Also, this card didnt have the annual fee for the first year. But I receive the card so late that I was asked to pay the annual fee for the 2nd year. And so I canceled the card. But now, two months later I received a notification from Amex to pay {$170.00}. I wonder what is it for when all the payments have been made. Please help in terms of 2 Amex credit cards : 1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX Please help me in terms of removing these unauthorized charges and closing both the Amex cards permanently. 

Thank you
Consumer complaint received 2022-02-17
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (WA)

I have disputed a merchant taking money from my account for XXXX on XXXX XX/XX/XXXX. The dispute was resolved in my favor. However, after a month to XXXX XX/XX/XXXX each month the merchant which is XXXX charging my account again. I started a dispute with XXXX XXXX about the merchant and requested for the bank to block the merchant from charging my card. I changed credit card number for a few times but they still being able to charge my card. The bank refused to do anything about that. 
Dispute case number : XXXX
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hunt & Henriques (CA)

cease and desist letter sent on XX/XX/2018. company still took {$65.00} from my account on XX/XX/2018. Debt is no longer owed.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (NM)

Hello my name is XXXX XXXX I have a concern with a company named cmre financial services located in XXXX California back in XXXX  it states I was seen at a hospital in XXXX New Mexico a year later I received notification that my credit was hit hard because i failed to make a payment I contacted the company several times to see why I wasnt informed of this in the beginning that way at the time I could have resolved this manner with a payment at the time also I never a Debt Validation Letter the company said they reduced the amount by XXXX  XXXX and still are seeking an additional {$1200.00} I dont have {$1200.00} to pay them
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

This is a complaint against AMEX. I opened an account with them and paid an annual fee of XXXX . The product was an AMEX gold credit card. 

They closed my account without notifying me via email or app that the account would be closed due to their inability to verify some type of information 6 months into the account. 

Account # : XXXX Open date : XX/XX/XXXX Close date : XX/XX/XXXX ( exact date closed by them unknown )
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I send a request to have the fraud alert removed from all 3 credit bureau but XXXX  removed the fraud alert and then send a request to have a fraud alert added to XXXX & Experian by eletronic notice I did not ask them to do so I have enclosed a letter from XXXX where there admitting that they did this