davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IA)

I received a text message at XXXX XXXX. on XX/XX/20. I was working so I did not open it until XXXX XXXX. I see it says transfers completed. I immediately log into my chime app because I had not made any transfers! I go and see they drained my account through their transfer method they use pay my friends I have never ever used that and it was transferred to a XXXX XXXX The first one was {$240.00} and the other was {$50.00}. They left me with {$.00} I find it very odd they knew exactly how much was in my account and what to take out. I called them immediately and they basically told me they cant do anything. They took my money ... had it transferred through there app.. and they cant close this other person who banks with chimes account and get me MY money back. I am so upset.
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charlottesville Bureau of Credits, Inc (NC)

I discovered an unknown account on my personal credit report. I contacted the company by way of registered mail twice and I have not heard back from them. However, the credit bureaus allege that XXXX XXXX XXXX says the account belongs to me. I have know knowledge of what the account is for or whom the original credit is. I was not afforded the opportunity to dispute the unknown allege debt- it was just placed on my credit. I was told they can not do that and its against the FCRA. I have also contacted the Attorney General, FTC and your institution.
Consumer complaint received 2018-04-29
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. (GA)

I was experiencing hardship ( was out of work ) and I made an arrangement/hardship payment with XXXX XXXX XXXX. I purchased this car in XX/XX/2012and am still making payments on this vehicle. I went to apply for a loan and I was denied because the loan officer stated that I am currently behind with XXXX XXXX. This is not true.I have several blemishes on my credit report from XXXX XXXX stating that I have not made a payment. I want these late payments removed. 

XXXX XXXX partnered with a dealership that is not a well rated dealership. I went through XXXX XXXX XXXX before reading reviews about them. They sold me a lemon and used XXXX XXXX to finance this lemon. It has never taken me 6 years to pay off a {$16000.00} loan. According to XXXX XXXX, I still owe {$6700.00}. This seems a bit excessive. 

I am asking that these late pays be removed immediately. 

My account number is XXXX.
Consumer complaint received 2018-04-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

I have been a Chase checking account owner for over 15 years. I recently tried opening a Savings account online ; I went through the process of logging into my checking account and transferring funds from my checking account into the new savings accounts. Once the process was done, I was asked to create a PIN for an ATM card. After this, I was informed that the Savings account was successfully created and the card would be mailed to me within 7 - 10 business days, while the Savings account was supposedly opened immediately.

I went to my accounts on the Chase.com website and I saw my Chase credit card, Chase Checking account information but not the Savings account. 

After two weeks of waiting, I called Chase customer service on XX/XX/XXXX and the lady I spoke with confirmed that my account had no savings information on there. She advised me to go through the process again. 

On the same day, XX/XX/XXXX, I went through the same process described as above. After which, I looked at my online Chase accounts and still, no Savings account. I immediately called Customer Service and they once again confirmed that there was no incidence of a Savings account creation.

My concern is that the system might be slow and since I have transferred money twice to the phantom Savings account ( s ), in the future, these accounts may be created, thereby prompting the funds draw from my account twice and then I will be hit with overdraft fees.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Due to Covid 19, I have had problems making my payments on time for the past 3 months. Prior to this I have made my payments on time since I've had my 2 accounts with Capital1. I called and asked to have 3 months late charges removed. I was told by XXXX that he could only erase 1 late payment and that I would have to pay for XXXX and XXXX because after the XXXX of the month it goes into the next billing cycle. I told him I received a forbearance for XXXX. He at first insisted I pay 2 months. He sounded like a robot with not a ounce of empathy in his voice. I felt harassed so I said okay. He then said well if you can pay for 2 months why did you need a forbearance? I explained that because you have my arms tied behind my back I will have to go pretty much without eating in XXXX. He said I'm not harassing you but that's how I felt. He had me in tears trying to explain that I'm taking care of my twin sister XXXX who is in very poor health in addition to my XXXX year old father. He finally gave me a forbearance for XXXX. I told him I would like to file a complaint and requested the information to do so. He refused to give me the complaint dept and told me to look it up online. I was under the impression that he was obligated to give me the information to file a complaint? I have always been in good standing with Cap 1 until now. I was very concerned if these delayed payments was going to be on my credit report and he said he didn't know. I eould just have to wait and see. He is lacking big time in customer service skills and needs additional training on how to treat Capital 1 customers. I am going through some very difficult times and was really shaken up by this young man. I am XXXX yrs old and am experiencing XXXX XXXX behind this terrible phone call.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2021-06-10
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: WELLS FARGO & COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 
WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Re : Capital One Case : XXXX I sent Capital One a letter dated XX/XX/2018 ( Exhibit A ) which reads as follows : I received your letter of explanation dated XX/XX/2018 ( Exhibit B ), for which I thank you. I believe Capital One has made an error on my account, and I would like to get it corrected. I tried calling you, however, without an extension [ for XXXX XXXX XXXX. ] no one was able to locate you. 
Your letter of XX/XX/XXXX states the following : When you reported fraud to us on XX/XX/18, I immediately credited youre account for the charges listed below ( XX/XX/18 XXXX XXXX {$910.00} and XXXX ). On XX/XX/18, the merchant credited your account for the same charges. That means your account was charged fraudulently only once, but credited twice. We need to correct this by canceling out the duplicate credits by reapplying the below charges to your account. 
I acknowledge that credits were applied on XX/XX/XXXX in the above amounts. HOWEVER, MY [ XX/XX/XXXX ] STATEMENT DOES NOT SHOW ANY SECOND CREDIT FROM THE MERCHANT ON XX/XX/XXXX. So, in fact, my account was charged fraudulently once, and credited once. 
Then on my XX/XX/XXXX statement, you charged me again by 2 entries dated XX/XX/XXXX ADJ-XXXX  XXXX - {$67.00} AND {$910.00}. These entries are debits to my account and show that you have debited me twice when I was only credited once. 
The XX/XX/XXXX Statement shows correctly on XX/XX/XXXX, a charge for {$2300.00} and a corresponding credit for the same amount. You have not charged any other amounts in XX/XX/XXXX. That is how the {$67.00} and the {$910.00} should be treated. 
Please credit me back the {$910.00} and the {$67.00}, as you have charged me again for the fraudulent charges. 
I have called and called and only received a letter from XXXX XXXX dated XX/XX/2018. You a holding up my credit in the amount of {$970.00} by not responding to my letter, for six months now.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Dept of Economic Security in AZ seized my funds from my B of A Debit Card and then closed my account illegally. These were my legally paid UI Benefits which were deposited onto a debit card in my name. This is a private account. I was not given notice of this forthcoming transaction, nor told anything about it by the agency or credit card company. 
I discovered the information through a posting on XXXX! I had my account ZEORED out after having this account for almost 2 months! Regaining the funds has taken me 10 days of calls, emails, letters, tweets, XXXX posts, complaints, and sleepless anxiety stricken nights. B of A and D. E. S caused undue hardship towards myself and thousands of others. We have been left to fend for ourselves as the phone lines & emails remain a revolving door of prescribed letters and robot answering systems. They must be held accountable and publicly apologize and compensate those of us damaged by their willfully dismissive actions. Dept. of Econ Sec in Arizona needs to fire management!
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Minimum payment met on XXXX XXXX credit cards ( please see attachments ). 

-Called in and XXXX XXXX agreed to fix their mistake. Removed from credit report XX/XX/2020. However it popped back up on TransUnion XX/XX/2020
Consumer complaint received 2018-04-29
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. (GA)

My identity been compromised. 
A mortgage was taken out in my name. 
Also there is some listing of a bankruptcy filing. 
I have never filed any bankruptcy of any kind ... period. 
The credit bureaus have removed the fraudulent mortgage already. 
The credit reporting agencies have had me confused with a XXXX XXXX out of Washington State or somewhere. 
There are accounts on my credit profile that do not belong to me. 
I feel I have followed the law in obtaining a police report and filing the proscribed affidavit from the federal trade commission.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

For 18 months Equifax has refused me online access to my credit report. I have faxed documents proving who I am and my address and they keep saying they never got them. The last Time I faxed was 30 days ago. There is information on my report that should not be there due to age or a release was signed. 
I have called customer service and they tell me they cant help me unless I am a paying member. They are rude and condescending and speak broken English because they are in a call center in XXXX. 
I am unable to obtain a mortgage because they will not allow me to access my report and dispute what needs to be disputed.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I am writing concerning my request that the accounts placed in collection, on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. I shall list a few of the problems with this account. This is a formal request a block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of : Beginning ( 4 ) business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) a check services company shall not report to a national consumer reporting agency described in section 6039 ( p ), any information identified in the subject identity theft report as resulting from identity theft.

Firstly California Statute of Limitations is 4 years for Collection of Debt on Account is 4 yrs. ( book and stated accounts ) Civ. Proc. 4 yrs. ( book and stated accounts ) Civ. Proc. 337
Consumer complaint received 2018-04-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage I ascertained a copy of my credit report from XXXX   and I have 62 / Thirty Day Late Payments and they've even reported me late in XXXX even when I've made the XXXX 's Monthly payment back on the XX/XX/XXXX., I have moved from my old home while utilizing this address as a rental until this date., I informed Wells Fargo of My new address back In XX/XX/XXXX they have neither sent me any correspondence related to my account., Since said time I have yet to receive any type of communicative late notice from Wells Fargo until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I recently received a XXXX from Toyota. I am trying to figure out what this is in regards to. I spoke with my tax advisor and he said to call the number on the XXXX. I did this but the woman on the phone was not able to provide me too much information. She said this was for money I owed for a car I had owned. I was a little confused. I do not believe I had owed Toyota any money. I have had Toyotas in the past but i have had loans and paid them as agreed and paid them off. When I asked my tax advisor he said there would have to be some identifiable event that would have caused this XXXX to be issued. On the phone there is no explanation of the event but i was to the account was charged off XX/XX/XXXX But I havent dealt with Toyota in a few years since I paid off my XXXX. Could you please provide me with some additional information as I really dont understand this and it is causing me issues in filing my taxes with the IRS? I guess I need to understand what this is for, how much it is, ( the woman on the phone at Toyota had a different amount than what was on my XXXX ). Why am I receiving this now in XXXX? ( my tax advisor said there would be some required identifiable event, what event occurred? ) How have you come up with this balance? ( again the woman on the phone said I owed over {$7000.00} ). I have not received any notices about owing Toyota money. My credit report does not show me owing Toyota any money. This is quite confusing. The XXXX was mailed to an address I havent lived at in over 15 years. Can you please provide some additional information about this, it is currently causing me to have my tax returns on extension, delaying a large refund that I am entitled to. I am pretty upset to be honest as this does not seem to be a good way to conduct business, it is distressing that even on the XXXX paperwork I was given a phone number and the woman said she didnt have any information. Please respond in a timely manner as I need to file my taxes and figure this out.
Consumer complaint received 2018-10-18
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: CITIBANK, N.A. (NY)

While in XXXX, XXXX a fraudulent charge - {$430.00} - was made against my Citi credit card. 

Though I was at the XXXX XXXX XXXX that day -XX/XX/18 -, and made another much smaller purchase ( map, refreshment? ) there against the credit card, a second charge for {$430.00} was charged to the card. 

I believe the card was " double swiped ''. 

I have no record, nor recollection, of this purchase - and firmly believe it is fraudulent. 

I attempted to call the XXXX XXXX XXXX - the language problem aside, I was told they could not help with my query - and that no paper-signed receipt was available. 

Since early XX/XX/XXXX I have been in contact with Citi - by phone, email and letter. I have answered in detail all the questions they have asked. ( see attached files. ) Their only response has been they are " looking into it. '' They have not been able to provide any receipts or details regarding the charge - and refuse to give me a permanent credit for this phony charge.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I have XXXX membership points has removed by American express, I tried to call them around XX/XX/XXXX, a customer service representative told me will give me an answer within 10 business days, but till now I haven't received any phone call or email from American Express explaining why the points has been deducted. So please help me with that, thank you!