davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/2022 my debit card was used at a XXXX XXXX in XXXX Texas for two amounts one in the amount of {$120.00} the other in the amount of {$84.00}. the first transaction happened at XXXX p.m. and the second one followed at XXXX p.m. I immediately called chime bank and notified them and they canceled my card and sent me a new one. At that time I was informed I would have to wait for the transaction to settle before I could begin the dispute process. 3 days later on Monday XX/XX/XXXX the transactions settled and I called chime to begin the dispute process. After filing the dispute with chime I contacted the mesquite the police department in XXXX Texas where the fraudulent transactions took place I filed a police report with XXXX XXXX badge number XXXX XXXX XXXX XXXX police report number XXXX. I forwarded this information to chime. On Wednesday XX/XX/XXXX I received my replacement debit card in the mail and activated it. After activating my new debit card I went to a gas station and used my card for {$30.00}. The next day time denied my dispute. The reason they gave me as to why they denied the dispute was because I used my debit card on XX/XX/XXXX for that {$30.00} transaction. I explained to them that it was the new debit card I used and not the one that had been stolen. Time then proceeded to tell me that I had not provided them with enough information to substantiate my claim and that they would not be proceeding with the dispute the matter was closed. I am asking that my money be returned to my checking account.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with XXXX  and 6 points with Equifax if the debt is XXXX the score should go up not down. Instead of showing the XXXX  mortgage paid in full it is showing a closed account which is wrong it should show it paid off. Number two XXXX is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look XXXX has a complaint with you about this by my husband
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OR)

Name : XXXX XXXX Phone # : XXXX RE : Credit Card Breach at Chase Financial Services. 

Detail Events : -Received fraud alert from Chase on Wednesday, XX/XX/2019 regarding card ending in XXXX. 
-Chase closed card ending in XXXX and issued card ending in XXXX following confirmation that I did not approve the authorization from a merchant named " XXXX '' in the amount of {$0.00}. 
-The card was mailed overnight and received on Friday, XX/XX/2019 via XXXX. 
-I received the card on Friday evening, XX/XX/2019 and added it to my wallet. The card did not leave my house. 
-Received a call from Chase Fraud Team on Saturday, XX/XX/2019 at XXXX PST. Message that my card had been compromised through an inbound call from a phone # ending in XXXX. I advised Chase that the new card had not left my house and asked for additional information on the breach. Chase would not provide more information on the inbound call. Instead they closed card ending in XXXX and issued a new card that mailed via overnight XXXX.
Consumer complaint received 2019-06-08
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: WELLS FARGO & COMPANY (CA)

Thee were 5 fraudulent charges on my credit card and numerous fraudulent charges on a debit card that was never used. My mom had to make 3 phone calls to get a provisional credit from my debit card and Credit card but after 20 days we did not get credit for 2 of the charges XXXX and XXXX We constantly get transferred and the average phone call is over 30 minutes. today we were on the phone for 48 minutes and got nowhere
Consumer complaint received 2023-02-01
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2021-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MI)

On XX/XX/XXXX. I transferred XXXX $ to XXXX banking account. Waited 4 -5 days. Money was not delivered. Method of delivery in app changed from account transfer to Cash at WU agent.

Becuase receiver can not pick Cash from Agents. I called WU and ask for cancellation and refund. 
At that time. The status changed from available to unavailable to complete instantly while I was on the phone with agent. 
I was promised the refund will occur within 4-5 days. This never happened, I called more that 15 times. Spoke to multiple supervisors and agents. 
Tracking # XXXX XXXX XXXX XXXX # XXXX Of Note, I have another transfer done on same Date to XXXX of XXXX XXXX And this was refunded and then reversed at the time I request refund. Which tells me someone tried to refund me and did a mistake. The irony when he tried to do that. He charge me again transfer fee.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-05-05
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. (CA)

I initiated a dispute on XX/XX/2021, regarding incorrect items listed on my credit report. It has been in excess of 30 days and I still have not received any response regarding that dispute.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

The following inquiries done by 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 were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Consumer complaint received 2022-04-03
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (NV)

I login to my Experian account because I received an email from them saying I have two new hard inquiries in my credit report. Since I have been a victim in the past of identity theft, I went ahead and lock my credit report. I know I didnt applied for credit during that time, I called Experian to let them know and I also called XXXX XXXX and XXXX XXXX to make sure they do not open any new accounts. From now I plan to keep my credit report lock to avoid any new attempts to open new fraudulent accounts. Please remove these two fraudulent hard inquiries from my credit report. Thank you for your help! 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2019-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I'm a recent XXXX and I'm trying to save up some money to go to XXXX school so I could get a XXXX XXXX Degree. I found an apartment on XXXX that was fair in pricing. The " contact '' said that I can't view it, but I would need to hold it down using a deposit. I sent it over XXXX through my bank account with JP Morgan Chase. This happened on Saturday, XX/XX/XXXX. I went to see the apartment today and found out it doesn't exist and this person stopped responding to my e-mails. I called Chase to see if they could help out by reversing this payment. They said I need to take this up with XXXX. I called XXXX and got a robot response. I just want some help in this situation. Chase wouldn't provide any information on the recipient 's bank account, where it is located, etc. If that person is receiving money using XXXX, I believe this person has a bank account. If we can track it, then there's hope. 

I filed a police report with the Police Department ( details to follow if you need the case number ). I also filed a report with the FBI. Please help me get a courtesy refund. My family and I combined have been banking with Chase for close to 3 decades. If Chase could be supportive during this difficult time, that would mean a lot for loyal customers like us. I pray that Chase isn't a heartless bank giant like many others that don't care about how you're getting screwed. If Chase is that way, then our relationship has truly come to an end.
Consumer complaint received 2018-06-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (HI)

Ally Financial is incompetent at getting me a letter so I can put my car on a ship and send it from XXXX to XXXX. The communication is horrible and I am running out of days to ship my car. They already send me the wrong letter! 

After sending me the wrong letter, they asked me for more info to send the right letter, why didn't they ask for the right info in the beginning!!!
Consumer complaint received 2022-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (RI)

They closed the account a year ago and open it to charge fees and close it so I can't use it, the creditor is synchrony bank and they approved me for a PayPal card with a XXXX dollar limit when I was late on a payment or something they dropped my credit limit to XXXX without telling me so I lost my credit score and lost my family 's transportation financing ability, then i was hospitalized with a XXXX XXXX XXXXXXXX my employment was terminated with no warning so I had no chance of my XXXX loan for equipment and debt payoff with property purchase with a usda XXXX XXXX XXXX so i am looking into legal options there as well and they did it again charged me a XXXX dollars and my score went from XXXX to XXXX i am exploring my options for legal options
Consumer complaint received 2020-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MO)

XXXX  XXXX complaints : I.C Systems a medical XXXX XXXX XXXX issue of {$280.00} on XX/XX/XXXX which proves XXXX  would allow any compliant from any source. also XXXX XXXX XXXX debt of {$160.00} Secondly, XXXX 's XXXX keeps coming up as a credit card but it is not a plastic card XXXX  it does not have ( VISA ) emblem on it. XXXX is not a credit card XXXX XXXX  XXXX, XXXX/XXXX/2020
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WI)

I did ask for an ACH transfer of {$1000.00} on XX/XX/XXXX which was credited on my binance.us account. 
But a few days later the transfer failed so Binance.US did not receive the money while it has been traded in coins already. 
I did receive a notification that I had to deposit some USD in the next 5 days to settle a chargeback which I did within this timeframe via a wire transfer of {$5000.00}. The chargeback happened and they were able to retrieve the {$1000.00} from the initial failing ACH transfer but my account is frozen with assets that I can not trade ( USD and cryptos ). It says that the trading was disabled. Their FAQ says that after a chargeback it can take up to 5 days to allow trading again but in this case it has been more than a month. At the same time, I have opened tickets that are not answered and keep being closed automatically as solved although it is not. I never had anyone getting in contact with me or responding to my tickets and have assets that are blocked for a reason that I do not know.
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

On XX/XX/2022, I was notified I had medical debt collections from a credit report that was pulled due to a request for mortgage pre-approval. On XX/XX/2022, I sent a debt validation letter ( see attached ) to Berlin-Wheeler, Inc. via certified mail. I received the return on the letter indicating it was received on XX/XX/2022, and signed by XXXX XXXX ' ( see attached ). As of XX/XX/2022, I have yet to receive any information from Berlin-Wheeler , Inc .
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX XXXX XXXX XXXX XXXX. Over two months ago I was added as an authorized user of XXXX XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year XXXX XXXX and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Consumer complaint received 2019-08-15
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. (OH)

I have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (WI)

Associated bank has not been managing my escrow account in professional manner. There has been issues with property taxes not being delivered as I asked, as well as issues with home insurance payments being distributed in a timely manner resulting in policy cancellations and lapse in coverage. They were informed of policy changes not only by myself but the insurance companies as well, as they are listed on each policy as the mortgage lender. I recently reached out to them again to fix yet another issue with the insurance policy. The insurance company did not receive a payment for insurance until XX/XX/XXXX, because I had to once again reach out to the bank after several attempts by myself and the insurance company. Due to the delivery of the insurance premium not being delivered they decided to cancel the policy and not reinstate it. I brought this to the attention of staff at Associated bank and they are now trying to force insurance on my mortgage as this policy being cancelled is due to their lack in making this payment. I do not feel I should have to pay a forced insurance fee due to them not delivering payment and policy being cancelled. I had coverage and they are the reason it was cancelled. They were informed of switch in XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (TX)

I received a promotional balance offer from Barclays in XX/XX/XXXX, 0 % promotional APR through at least XX/XX/XXXX with a 3 % fee where the transaction must post to my account by XX/XX/XXXX ( copy attached ). I called in to their call center and processed a balance transfer under this program on XX/XX/XXXX. I just noticed on my recent statement that they are charging me 19.99 % where it should be 0 % through XX/XX/XXXX ( copies attached ). Please note they also charged me the 3 % on the {$11000.00} for the promotional fee. When I called their call center, on XX/XX/XXXX, and told her I had the offer letter in hand and read it to her and I told her she could also refer to the call center recordings, they told me that the offer had expired. I again told them that the offer was good until XX/XX/XXXX and I processed this on XX/XX/XXXX and they even charged me the promotional balance 3 % fee. The call rep then put me on hold multiple times for no reason, without notice, in the middle of me talking to her and finally I was cut off when they just forwarded me to a payment option.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The following inquiries done by 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 were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report