davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (LA)

I did a transfer to XXXX XXXX XXXX from chime. My transfer was declined which I didnt realize I didnt transfer money from my chimes Savings account to my chimes checking account in order for the money to transfer to my XXXX  XXXX account. I did another transfer to XXXX  XXXX correctly. {$1000.00} was transferred to my XXXX  XXXX account and deposited. Chime reversed the transfer from XXXX  XXXX to come back to chime. XXXX sent me a email and I also have my statement. Yet chime is blaming the merchant and saying they never sent the money back to chime which is a lie. Chime has giving me too many stories about my money. Chime owes me {$1000.00} and dont want to give me my money.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello, Im concerned Ive been receiving debt messages I do not recognize. Upon checking my personal information. I notice a company I do not recognize. XXXX XXXX I ( XX/XX/23 ) In addition debt messages have been received associated to XXXX. Please remove from my personal information as spouse as I have not provided any information or have consigned anything with this name ( XXXX ) remove from my personal information. 
XXXX XXXX from XXXX. This account has been deleted more than 2 times and it keeps appearing. Please remove fraudulent account.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I am a veteran and I work for the   XXXX   XXXX   XXXX   XXXX   . In 20  15 I was  placed on FMLA ( medical leave ) due to the  XXXX  of my   XXXX   XXXX  . Because I was unable to work I became delinquint on my car loans through USAA. When I became delinquint  USAA  blocked all access to mu checking accounts. USAA is an online bank and is refusing to let me access my accounts online and through the USAA app. USAA is holding my checkin g accounts hostage until I fix my car loan theough them, but I need to se e my checking / savings accounts in order to make proper financial decisions. When I contacted USAA to work out a financial remedy to catch up on the auto loan they refuse to give me access to see and monitor my accounts, until I pay them what I owe. I can not get bank statements online or monitor my checking or savings accounts for almost 2 years. I know of no other online financial institution that completely blocks all online banking due to the account holder falling delinquint, which in turn prevents the account holder from making any accurate financial assessments, monitor for inaccurate account activity by USAA, or even regain financial stability after a huge medical setback. USAA claims to be there for veterans, but as I am a veteran I have seen nothing but borderline illegal debt collection practices and a 2 year attempt to completely block me from seeing my checking and savings account. When I attempt to log on via the USAA app or online banking I am denied for security purposes. When I call the security department they do not give me access to my accounts they only direct my calls to the debt collection department. When I ask the debt collection department for access to my accounts so that I can see my checking and savings to manage my finances I am told by debt collection that I will not get hose privelges back until I pay USAA what is owed. When I tell them th at keeping me blind to all my monitary accounts does NOT allow me  to make accurate financial desicions I am deny the right to online banking from  USAA  which is an online bank! The only branch is inTexas and I live in Ohio. I want access to my online bank accounts, bank statements, and the ability to see and use the online banking tools to serve in my financial recovery, pay my bills, get groceries without operating financiall y blind, even if I  owe USAA money.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Cash advance — 
Company: U.S. BANCORP (AZ)

I received a " no-interest for one year '' credit card in XXXX 2014 from US Bank. After I paid off a balance at a " cash advance '' business with the credit card, US Bank started charging me interest on the balance that I paid off. I have contacted them 2 times regarding being charged interest on what is essentially a balance transfer and they insist that it was a " cash advance '' and that they are justified in charging me interest on that balance. I never received any cash from the credit card, simply gave the credit card number to the cash advance store to pay it off. My last communication with US Bank included a copy of the receipt for the payoff, but they still insist they are justified in charging me interest.
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC. (OH)

XXXX XXXX called several relatives and friends about a payday loan from 2009 and stated to them and to me that charges of profit by deceit through a financial institution is filed and felony of the third degree warrants are out for me now and to stop the process i need to pay today. i asked for verification of the debt she would not provide it. i said i need to record this conversation and she hung up. 
i called her back and left message that i have the money to pay to call me back. when she called back i informed her i was recording ( which i was n't ) she stated that she ca n't be under recording and hung up. the number i called is XXXX
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (DE)

On XX/XX/XXXX a collection account was placed on my credit file listed under Jefferson Capital Systems with an original lender listed as XXXX for {$710.00}. Not only did this company fail to notify me via mail in regards to this fraudulent account, they also violated my rights by adding this account to my profile without proper procedures. I am requesting to obtain validation of debt under Fair Debt Collection Practices Act ( FDCPA ) including the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The original contract/ agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges and a list of charges that total the amount claimed 4. Proof that the Statue of limitations has not expired Furthermore, on XX/XX/XXXX this same account was listed for collections by XXXX XXXX XXXX XXXX XXXX who ultimately removed the account because they could not provide sufficient information regarding this file. I am demanding this account be removed from all of my credit files immediately.
Consumer complaint received 2017-04-26
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. (CA)

I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens on my  XXXX . They removed 1 BK 5 Tax liens ( with cfpb 's he lp ) on  XXXX   XXXX .   XXXX   but back on the BK a few days later.   XXXX   also sent me a lett er ( attac hed ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same  date ( a ttached ) saying I do have a BK a nd 1 tax lien. I hav e attached a letter fr om the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report per the  Federal Laws.  I have attached proof of the information stated.
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (GA)

The balance on my Sears card XXXX issued by Citibank keeps increasing, even though I never use it anymore. This month the minimum due is {$520.00} on a balance is {$9300.00}. I pay {$300.00} each month, but the balance does n't seem to change. I contacted the credit card company asking for a lower interest and lower minimum payment, but they responded that since I was no longer charging anything from Sears, the rate would remain the same.
Consumer complaint received 2016-10-02
Product: Other financial service — Refund anticipation check
Issue: Excessive fees — 
Company: WELLS FARGO & COMPANY ()

wells fargo bank mortgages, forced home owners insurance, stole funds from my acount lotts of excesive charges, set up a acount that idnt no about the bank said it was a funds holding acount, the bank held onto a co signed insurance cheque for damage i had repaired, the bank sent XXXX large checks from my escrow acount to my insurance company that was already paid then sent the returned cheques to a holding acount then put me inforclosure with no missed paymants acount in credit fraud and perjury committed by wells fargo bank crooks
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX my chase card account # XXXX was breeched through XXXX, who contacted Chase and my card was replaced twice with # XXXX then # XXXX due to a additional Back Door hack again from XXXX both Chase and XXXX had credited me for {$1600.00} and XXXX replied that the fraud was caught and it wouldn't be posted to my account either as a charge or cancelation then on XX/XX/XXXX the charge was added back to my Chase Credit Card account and when I questioned your recovery team they replied that XXXX said that there had been a delivery to my address for the purchase of this laptop XXXX denies this and my account records was sent to the chase recovery Team in the XXXX who was very disrespectful to me as I tried to address my account problem, and feel that now on XX/XX/XXXX with a reoccurrence of unusual activity again through XXXX in which I had legitimate proof that someone had a Backdoor through XXXX and accessed my Chase Credit information in which Chase & XXXX try to hide. Which is why I filed a second complaint with the IC3 federal Agency, now I'm being blocked from accessing my account or making payments in which I feel that I'm being singled out and harassed because of my filing this second legitimate IC3 Complaint this past month of XX/XX/XXXX. Someone from Chase did Call me a week or two after I filed my first OCC complaint and asked if I was the Person who had the chase Account and filed the OCC Federal Complaint and when I replied yes immediately hung up and ended the conversation, and up to today I'm still being blocked by Chase online card services, who is keeping me from accessing or paying my account.
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (ID)

From time to time, I try to cash a check from Wells Fargo and every time I need to show XXXX IDs, talk to an agent, listen to his solicitation speech ( " open an account '', " joint your husband 's accounts '', or both! ) and then I am allowed to cash the check. It is a waste of my time and I find it very intrusive. The check amounts are below {$500.00}, so it is not a safety issue, it is a solicitation hassle. This is the proof : I had to go today to the branch because yesterday, in the drive thru, they did not want to cash me the check. I offered the XXXX IDs but they still told me I had to stop by the next morning to talk to the agent! I have to always answer if I have an account with them and if not, if I am want to open one. I do n't want anything but cash my check in a simple, speedy transaction!
Consumer complaint received 2015-11-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CO)

Around XX/XX/XXXX or XX/XX/XXXX, I banked with Wells Fargo in XXXX, Az. I had checking, savings, and credit card accounts. I was a college student and my tuition status changed from out-of-state to in-state and so the amount of my financial aid checks significantly increased. At this time, I thought it would be a good idea to try to build credit history by putting a number of charges on my credit card and then paying it down when I received my next financial aid check. 
However, XXXX semester, after I had made a large payment from my checking or savings account to my credit card account, I noticed there was still a lot of money in my checking or savings account. I went to the Wells Fargo at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and asked a bank representative where this money came from. I was told that since I had made a credit card payment that far exceeded the minimum payment, some of my payment was put back into my checking or savings account. I did not complain or ask that it be reapplied to my credit card account. 
At the time, I was not aware that cash advances carried a larger APR than purchases. It was some time afterwards that I realized this and recalled this incident. In XX/XX/XXXX or XX/XX/XXXX, I began requesting from Wells Fargo credit card and bank statements from that time period around XX/XX/XXXX to XX/XX/XXXX. I do not recall exactly when the incident had taken place and, after examining the statements, I still could not narrow down when this cash advance had taken place. At this point, I had been paying interest on hundreds of dollars of cash advances. 
It was around this time that I noticed that my credit card statement no longer showed a balance for cash advances. To this day, I have a XXXX balance for cash advances. 
I have been hesitant to bring up the whole issue with Wells Fargo for fear that the cash advance balance will return to my credit card. I do not know how much interest I paid over the years for the cash advance balance so I do not have a dollar amount that I am looking for in compensation. 
Also, Wells Fargo has asked a number of times if I would like to close the credit card account and open up a line of credit at a lower APR. I have been hesitant to do this as well, as I am unsure if that will erase any records of all this. 
Like I stated above, there is not a dollar amount that I am looking to be compensated. My intention in writing this is to inform a regulatory or consumer protection agency of this incident, in case it has happened in the past or is still occurring, and to find out if, by closing my credit card account and opening up a line of credit, it will somehow erase a record of these issues.
Consumer complaint received 2022-02-06
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. (NV)

Having issues with Equifax. They are reporting my credit score XXXX points below XXXX and XXXX. I can't log on to the website to get my current score ( myequifax ) because it is down and has been down for several days. I called them to get information and all they could tell me is its not as low as reported but they could not tell me the score. They said keep trying the website but it has been down for almost a week. I can't see my score or file any disputes because they have me locked out. They are holding my credit ransom and there is nothing I can do about it. This has to be criminial!
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (ME)

I have several consumer loans I am making payments on that Equifax refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to Equifax on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.
Consumer complaint received 2020-09-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

I contacted Amerisave this past XXXX regarding a refi of our home. We currently have a VA loan. We applied for a VA refinance the early part of XXXX. The process then began. We were required to pay a {$500.00} fee that would cover their initial costs. The only time they would contact us is when they needed a document. They wouldnt return phone calls, texts, or emails until weeks later but only because I would finally get hold of someone. They kept stringing us along. Our income is six digit - way above six digit. We owed {$380000.00} on our {$560000.00} home. We have had our mortgage going on six years. Our credit score is over 800. During the many months of working with Amerisave a VA appraisal was required and was accomplished. I finally gave up and told Amerisave they failed to perform and I told them I wanted a refund. They refused. I requested they turn over the VA appraisal which they did but I was told by a second lender that we went to in XXXX that Amerisave would have to release the appraisal directly to them. They wouldnt. Our new lender then contacted the VA informing them that Amerisave would not release the appraisal. Amerisave finally released the appraisal under threat from the VA if they didnt. The next day, the appropriate people were in receipt of the appraisal. Unfortunately we had to pay {$800.00} for the appraisal since our original up front payment to Amerisave this past Spring supposedly was for fees and not for the cost of the appraisal. Due to no fault of our own such as changing our mind or unable to qualify, but instead Amerisaves inability to perform, we are now out {$1300.00} and approaching a closing date with the new lender. Amerisave misled us and had already taken 4 months to refi our home, which is not even close to the industry standard. Theres no telling how much more time would have been required before we could close. This company is a sham in my view and should be stripped of their license.
Consumer complaint received 2021-01-26
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: TRUIST FINANCIAL CORPORATION (DE)

I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.
Consumer complaint received 2015-05-12
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Rausch Sturm LLP (MN)

1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for XXXX Trial Court Public Access : XXXX. ( Fair debt collection practices act, 807, 2A, and 812 ). 

2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 

3. The company that is threatening me is located in XX/XX/<YYYY> and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX ACCOUNT XXXX WAS REMOVED BUT PLACED BACK ON CREDIT REPORTS UNDER NEW ACCOUNT NUMBER XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX