davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I attempted to get available funds of {$250.00} out of my Chime account. My Chime account was opened XX/XX/XXXX. I linked my personal checking account to transfer the funds to it. After linking my personal bank account the only transfer option available was to transfer funds from my personal account to Chime. 

My husband and I in hopes of getting the funds out of the Chime out sent the funds to a different email than what is on my account I had been using with my married name. This action was taken because the option to receive the funds on our debit card without having a Chime account was not working as advertised by Chime. The only other option was to create an account. A text message was received saying that funds was sent however when clicking the green button to get the funds it read expired have your friend resend the funds. We aren't able to use the Chime with the company because as like with XXXXXXXX XXXX the card does not work. 

I called Chime was accused of not being myself was asked to email my birth certificate, marriage certificate and birth certificate to prove my name to have the funds released by another department. I explained the need for the funds and my long name. I asked XXXX different agents in XXXX hrs to please send funds to my personal bank that was linked to my account. I was told that there was no account for me and funds were sent back to the original sender. That is not true. On XX/XX/XXXX the original sender to me called Chime to try to get the funds back and the request was denied. I was told to wait on an escalation team to email me. In every email agents email me the same thing as if there hasn't been several emails sent with more info than requested. Chime has not released the funds and will not discuss me getting the funds back. Chime told me that they do not have the {$250.00}, that it is on the XXXX account. But funds were never sent to the account. Chime with no warning no discussion made assumptions and closed both accounts yet a supervisor told me to access the account in the app to get the funds, I can't complain because I did this not them. He asked questions about my husband. Told me to get the money from him. 

We need to use the funds for our water due to be disconnected on XX/XX/XXXX. I've explained this to Chime. I emailed Chime my driver 's license, marriage license, birth certificate, award letter from Social security, water bill showing that water is due to be disconnected without the funds. Explained that I need water for my XXXX XXXX XXXX XXXX. I asked if my medical documentation was needed to prove I actually use these XXXX There has been response to my questions only a repeat of account closed or there is no account with my email address or name. 

I just want my money. I'm not interested in using Chime anymore.
Consumer complaint received 2016-06-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (GA)

See my previous complaint Case XXXX I received XXXX letters from Synchrony Bank both stating that the complaint was resolved and " And at this time, we consider the dispute closed. The dates of these letters, attached are XXXX XXXX, and XXXX, 2016 ( See enclosures XXXX & XXXX ). 
On XXXX XXXX, 2016 Synchrony Bank wrote me again re-instating the claim. See enclosure XXXX. 
In fact, although Synchrony Bank states they believe that the matter is valid because, '' ... that your card was present at the time of the transaction. '' Nevertheless, my card and my wife 's card have never left our possession, nor are the signatures on the transactions either that of myself or my wife. Both of our cards have chips, and had the transaction been properly completed with a chip reader they would have been denied. 
I believe that under Federal law that I am not responsible for these charges as the Bank can not confirm that the signature is that of myself or my wife. 
The fraud prevention at Synchrony Bank persists in finding reasons to invalidate my claim of fraud. Previously, for which they have appologized, they sent a letter claiming that I called them to agree that the XXXX transactions were valid. I never did so.
Consumer complaint received 2023-04-14
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-02-14
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (NH)

I received a phone call from a " representative '' of I.Q. Data International, Inc ( dba Rentcollect Global ) on XXXX/XXXX/2016. The person asked for myself or my wife and I acknowledged that I was the correct person to speak with about the matter. XXXX was told the conversation was being recorded ( I hope it was, though i truly doubt it ) and I agreed. I told them I had just received a letter regarding the supposed debt and was responding to dispute said debt. I was cut off immediately with a rude and angry tone stating that I should tell them of the dispute. I said it 's all in writing and should be in their hands any day. She ( now yelling ) told me that they do n't respond to written letters and that you deal with this on the phone. I explained that the letter their office sent me states otherwise. It clearly states I have 30 days to respond and they will secure proof of debt ( which is a bit absurd ... why would they not have it now ). I doubt she heard all of this as she was shouting something over top of me and then continued to yell after I stopped talking stating I was refusing to cooperate and she " hopes I enjoy my debt on my credit report ''. She then terminated the call. I pulled out my letter and noticed the " account representative '' was NOT who I spoke with and is probably ficticious, but I called back despite. I was greeted by an operator, told them my account rep 's name, and gave them my account number after being asked for it. Put on hold. He came back and asked if this was XXXX. I said Yes. Hold once more. When the line picked up again, it was the same abusive woman that I had dealt with previously. I asked for the account rep printed on my paper. She told me SHE was my representative. I asked if she 'd answer my question and she began shouting again about how I was refusing to talk and a few other things. I finally waited for her abusive tirade to stop and asked for her supervisor. She did n't acknowledge. I firmly stated it a second time. She said " Super '' and put me on hold. I got a supposed manager on the line that basically provided lip service that " they would look into the representative 's behavior ''. No apology, just lip service. I asked them if they could answer my question that their rep refused and was told yes. I read the letter I received. I asked if it was true that I could dispute via mail as stated in the letter. They said yes. I said that I doubted they would actually look into my situation with the rude rep but reiterated that I would be sending my dispute. I also added that if I ever receive abusive phone calls again, I would seek the advice of a lawyer. I 've never experienced such an abusive call before. It amazes me how that is even allowed. Looking up the company online I 've noticed this is a recurring pattern. It needs to stop.
Consumer complaint received 2016-12-16
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALLY FINANCIAL INC. (NC)

Divulge information to someone I do not even know about my debt. This person is not listed on any of my references. Ally Financial used a 3rd party search engine on my fiancee and called numbers associated with her last name until they tried to track down someone that new her and told this individual that they did n't want her but me for a debt I owed them. She is not a applicant on the loan so why are they harassing people who I do n't know and do n't have permission to share information about me with.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (PA)

This is a formal complaint against Barclays Bank Delaware ( " Barclays ), XXXX XXXX and XXXX relating to a Barclays XXXX XXXX XXXX XXXX Master Card ( " Master Card '' ) for ( 1 ) failure to safeguard customer information due to a breach of security resulting in theft of airline miles ; ( 2 ) failure to respond and remedy complaints regarding the breach and theft ; and ( 3 ) failure to provide services paid by the customer. 
I am currently Barclay 's customer as I have a Barclays XXXX XXXX XXXX XXXX XXXX Card. I earn airline miles for an XXXX XXXX mileage program administered by XXXX through purchases and activity on my Master Card. I pay fees and interest to Barclays for this program and I have not received the services for which I paid. I have contacted all three entities on multiple occasions and have not received responses or a resolution to my concerns. 

Due to character limitations, see attachment for full description of complaint.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/year>, I was charged by XXXX for transactions on my Truist account that I did not authorize, one for {$160.00} and the other for {$580.00}. There was also a singular transaction before the XXXX transactions for around {$12.00} that was for another state, for some reason it was not picked up by their fraud system. I tried to lock the card that was used, but their unreliable service was down for maintenance. Went to sleep so that I could dispute the transaction when I woke up. Disputed it, only later to find out that the XXXX XXXX transaction disputes were denied because " I previously have done business with them ''. They put the entire claim under the first transaction and called it a day, more than likely not even seen by a human. So around XX/XX/XXXX, I called and went down to the nearest branch to dispute the denial, only to be told entirely separate things between on the phone and at the branch. Both told me either side could fix my problem and to talk to them. Despite this, I was told to also email evidence that this was not a transaction made by me via my XXXX order history to their claims department. So I did that and was first informed that I would receive response before XXXX was over. That did not happen, so I called in XXXX to ask what is going on, and so far I keep getting the same response that someone will look into within the next XXXX business days and I'll get a response. So far, I have not received e-mail, mail, call, or text about anything happening with my case. Honestly, so far I think they denied it first time around so they did not have to give me credit while they investigated, and are dragging their heels when it comes to my claim, if there has been any investigation going on at all.
Consumer complaint received 2016-06-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Reliant Capital Solutions, LLC (IL)

Received voicemail at XXXX XXXX/XXXX/16 and is as follows : " Name this is XXXX XXXX Reliant Capital Solutions XXXX XXXX XXXX XXXX '' returned phone call, spoke to someone who transferred me to her, she answered the returning phone call without identifying herself and only after verifying my phone number and last XXXX of my social did she disclose the was attempting to collect a debt.
Consumer complaint received 2015-12-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CO)

I was never late on a payment but because of their records and mistake they inaccurately put a 30 day late payment history on my credit report and have refused repeated attempts to remove it through communication with them and also filing disputes with the bureaus. I need the late payment history removed because I was never late and it is jeopardizing my credit score and my ability to get a home loan at the rate for which I should get.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

After a fraudulent check was deposited into my account, the bank closed my accounts and started to proceed against me as though I created the check and was attempting to defraud them. I have banked with them for over 25 years. Despite numerous attempts working with branch managers to try to resolve the issue and restore the money for the check, Loss Prevention and Collections have acted to close my accounts, leaving a balance unpaid. I have tried to pay that balance, my brother has, my sister has. I even came into the bank with cash to pay it, and was told no. I have been told everything from they are taking that amount out of my XXXX Social Security check to they will release my check and anything in between. They rejected my SS check after telling me that they will accept it to pay off the balance and give me the balance. I have been treated rudely, with extreme disrespect. They have reported the incident, and they have refused to give names and positions when I speak to them so I can document what was said by whom. Now I do not know WHERE my SS check is, and the bank will not help me.
Consumer complaint received 2022-08-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX- account number- XXXX
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all XXXX credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Reviewing my credit report, I found that I have an account for collection from some agency. The original debt was from XXXX XXXX XXXX for {$87.00} and was posted for collection on my credit report on XXXX XXXX, 2015. I 've never done any business with XXXX XXXX and called them to inquire about this, they helped me out looking for any account opened in my name for the past year and they did n't find anything. I do n't know what else to do because I want to clean that bad report from my credit.
Consumer complaint received 2017-05-23
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. (NC)

I have an  XXXX  credit card with  XXXX   XXXX  and in  XXXX  my credit limit was increased from {$300.00} to {$1000.00} and the credit limit increase has not been reflected correctly with Transunion or  XXXX  fast the past few months. I have called  XXXX   XXXX  for the past 2 months and they told me it was reported correctly but the latest update to the credit bureaus on  XXXX   XXXX ,   XXXX   still reflects a credit limit of {$300.00}. I have sent online disputes as well as a dispute vi a US m ail to  XXXX  credit bureaus and the response from   XXXX   credit bureaus indicates the credit limit they are reflecting is what  XXXX    XXXX    submitted which is {$300.00}. I am getting conflicting information from  XXXX   XXXX . I am just simply asking that my credit limit be recorded and reflected correctly which is a credit limit of {$1000.00}.
Consumer complaint received 2016-01-03
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

SPS have not adequately responded to by QWR and have avoided to answer pertinent questions to my dispute. SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose on my property. 

SPS claims that they are required to send me statements by law when in fact there is no law that requires SPS to continue to send false and inaccurate statements through the Unites States Postal Services. 

SPS claims to be the servicer of a loan in my name when it have not participated in any servicing activity and can not prove otherwise. 

SPS claims that it have paid property insurance on my behalf when SPS can not prove otherwise. I have always paid my own property insurance. 

SPS claims that if have paid property taxes on my behalf when SPS have not and can not prove otherwise. I have always paid my own taxes to the county in which I live. 

If SPS or any agent, client, and/or attorney of SPS continues with a foreclosure on my property they will be liable for actual, punitive, statutory and compensatory damages. 

In addition, if SPS or anyone acting on SPS 's behalf continues to send false statement through the USPS mail it will be considered an administrative default to FDCPA VIOLATIONS, VIOLATION UNDER 42 U.S.C. 1981, MAIL FRAUD, AND RICO VIOLATIONS UNDER 18. U.S.C 1961 & 1962.
Consumer complaint received 2022-09-06
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: JPMORGAN CHASE & CO. (CA)

In accordance with the fair credit reporting acat XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

XXXX XXXX  On XX/XX/XXXX, I logged into my XXXX account online to pay off a small loan that had a balance of approximately {$3000.00}. I made two payments on XX/XX/XXXX that paid off the loan. On XX/XX/XXXX, I received a Paid in Full Notification for the loan. Additionally, on XX/XX/XXXX, I received a financial activity summary that reflected that the loan was paid in full. 

I then received a monthly bill dated XX/XX/XXXX, stating that I have a balance due of approximately {$13.00}. I called XXXX  XXXX  on XX/XX/XXXX, and spoke with account specialist XXXX # XXXX, and informed them that I had already paid off the loan and had received two notices also to that effect. XXXX told me that she would put this matter " in review ''. On XX/XX/XXXX, I also submitted via online & fax a letter with the notices from XX/XX/XXXX and XX/XX/XXXX asking that XXXX XXXX review the loan and stating that i had paid the loan in full. 

I have submitted in writing and called a number of times, and still have not received an answer about my loan. I paid it in full 2 years ago and I am still paying interest on the loan. It is ridiculous that I am getting misinformation and they will not correct the error. The fact that I can pay off a loan and then be told 1.5 years later that it wasn't paid is gross mismanagement and completely dishonest.