davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (MN)

In accordance with theFair Credit Reporting act convergent XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX  Account # XXXX opened XX/XX/XXXX, inquiries XXXX XXXX opened XX/XX/XXXX 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 a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-02-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TCF NATIONAL BANK (MI)

A personal Guarantee on a business loan was taken out with Chemical Bank in XXXX, MI. In the process of the loan, they placed a lien on my residence. This loan guarantee was discharged in Bankruptcy XXXX of XXXX and is still on record at the county not allowing me to do a reverse mortgage on my home. We ( my attorney and I ) have worked for nearly two years in an attempt to have them send me a discharge of lien so I can provide that to the new lender. Chemical Bank refuses to send me a discharge. Files are attached.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I initiated a wire transfer of {$25000.00} to my wife. After 5 business days of not receiving the money, on XX/XX/XXXX I called Chase customer service multiple times. No one on customer service was able to tell me why the money was not received, only claiming that the transaction had been completed that I should follow up with the beneficiary bank. I ended up requesting for a recall as suggested by one of the representatives. I also called my Chase private client banker, who started an investigation. 

My wife and I also called XXXX XXXX XXXX multiple times, whose representatives claimed that they had never seen the wire transfer, and that we should call Chase instead. 

On Monday XX/XX/XXXX, I visited a Chase branch, no banker was able to tell me why the money was not received, but an investigation was going on. 

On Tuesday XX/XX/XXXX, my private client banker called me, explaining that XXXX XXXX XXXXXXXX had asked for additional details ( my full name and date of birth ) when they first received the money, but Chase had never responded to them. Later the wire department also said the same thing in the secure message system. However, the wire department claimed that XXXX XXXX XXXXXXXX had been waiting for my response, when I had received zero communication from Chase about the inquiry for additional details. 

As of today, XX/XX/XXXX Friday, my {$25000.00} is still not back in my account, and no apology has been made by Chase bank, not to mention any compensation for my time and effort lost.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

After 20 years of perfect credit with Citibank, they switched me to a paperless account without my permission, resulting in hundreds of dollars in late charges and fees ( and a dip in my XXXX score from XXXX to XXXX ).
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (AZ)

A few weeks ago I received phone call from Citi Bank. Since I was working at the time they left a message stating to call them back about my XXXX Card. I did not return the call as I have not applied for a card with them nor do I have any relationship with them what so ever. Last week I checked my credit report and low an behold they had made a credit inquiry and a new account was showing opened under my social security number. I have tried to call them repeatedly but all that happens is that I am left on hold. I have even tried to call during non peak times. I have not received any card in the mail and I do not want one. Like I said I rarely apply for credit and I have n't applied for any credit since I bought my car two years ago. I would like to get this removed from my credit report and most of all I want to know how they got my social security number.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OK)

I opened a Chime account recently to give them a try. I had a portion of my check deposited to the Chime account and received a bonus from them on XXXX, bringing the account balance to {$310.00}. On XXXX, I made a payment to my credit card company in the amount of {$110.00}. I received an email from Chime on XXXX stating my direct debit had been declined. I am busy and got XXXX so I couldnt handle the situation immediately. On XXXX, I reached out to Chime because my credit card company charged me a {$29.00} return item fee and I wanted to know why the transaction was denied in the first place. I was told it was for insufficient funds by support and that my inquiry would be escalated to member services. Member services sent me one message on XXXX and then I didnt hear from them again until XXXX when they improperly transferred my case to their Dispute Team. This is not a dispute according to the Reg E definition. I am incredibly upset with Chime because I have to pay {$29.00} for something I did not do. It was unfair of them to decline the transaction and they were deceitful in trying to pass it off as a valid decline for insufficient funds.
Consumer complaint received 2018-02-12
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. (LA)

There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.
Consumer complaint received 2021-02-05
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)

I am a WF credit card customer and use my card solely for automatic utilities payments. I discovered several unauthorized charges at retail stores. WF originally reversed the transaction, but then ultimately reapplied those charges. They claimed that because I physically had my card they concluded that there was no fraud.
Consumer complaint received 2021-02-05
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: EQUIFAX, INC. (FL)

XXXX, Equifax and XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature with XXXX and XXXX inquiry on file of the account # XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX  and Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. FTC Report attached, Delete XXXX inquiry and XXXX account immediately.
Consumer complaint received 2021-02-05
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: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2020, I purchased a XXXX product from XXXX and then the funds were not added to the prepaid product. I paid XXXX for this transaction. The next day on XX/XX/2020 I called XXXX at XXXX and was told they would send a check for the balance on the card since that balance was not loaded. However at this time they were having " technical issues '' and was denied a refund of XXXX. I then called again at XXXX XXXX EST on XX/XX/2020 and spoke to XXXX - who told me I should seek that refund from XXXX and that is what the system is showing. XXXX refused me a refund in the morning since they were specifically told by XXXX that XXXX would provide the refund. I am out XXXX with no recourse at this time. Both XXXX and XXXX are denying a refund for a card I purchased. I was with XXXX on the phone as I filled this complaint. After further research the card is showing " refunded to store '' at XXXX at XXXX XXXX on the same day of purchase on XX/XX/2020. I DID NOT do this - this was clearly fraud. XXXX has no record of this transaction. I called back XXXX and tried to file a fruad complaint and was not able to open a billing dispute despite clearly stating in their terms and condition that this was a possibility. They stated that XXXX had my money. 

I attempted to file the complaint via the Barclays bank dispute process. I attached the response from the US Federal Reserve Bank of XXXX XXXX which stated in effect that XXXX was in possession of my money. Barclays stated they reviewed the letter but a letter from the US Federal Reserve was inadequate to reverse a decision in this matter. I am very frustrated with Barclays since this is clearly a fraudulent transaction and if a letter from the Fed is insufficient what level of evidence would be sufficient? 

I spoke to a manager at Barclays named XXXX, who stated that since this was a face to face transaction there was nothing they could - again despite a letter from US Fed ; I am having trouble understanding what gives Barclays the right to ignore the Federal Reserve. 

In the Federal Reserve Complaint it is stated, " XXXX XXXX concluded its investigation and determined that the gift card balance had already been refunded to XXXX Store # XXXX on XX/XX/2020. We confirmed that the funds have been reversed back to XXXX Store # XXXX, and that you will need to contact the store for resolution. '' In effect XXXX sold me a card, just reversed the funds on the card, kept the money and refused to provide me the refund. Someone or something forced this refund : If this isnt fraud I am not sure what is!
Consumer complaint received 2021-02-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: COMMERCE BANK (MO)

I feel commerce bank and there attorney XXXX XXXX of XXXX XXXX and XXXX have used and are using predatory lending practices, bullying, repeated failure to adhere to terms of an agreement and a lack of willingness to work towards an amicably end with an aggressive pursuit of much higher profit margins that a traditional loan. They have refused payment to be brought current, attempted to force me into a forbearance agreement, negotiated a settlement agreement upon learning of a contract for sale, reneged on agreement and took me to court for XXXX more ... won a default judgement without seeing any evidence ... offered another settlement of XXXX ... tried to foreclosure auction the property to force me to pay ... then when I attempted to pay the XXXX having discovered there was a contract for sale for XXXX they reneged on that offer and now want XXXX ....
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (OH)

XX/XX/XXXX XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX XXXX  {$89.00}, XX/XX/XXXX XXXX  XXXX {$77.00}, XX/XX/XXXX XXXX {$88.00}. These were the four fraudulent transactions on my account. I called twice to file a claim because I had to wait for everything to clear. After filing a dispute as well, they claim to ensure I get my money back and even an advance until they find if it's actually fraudulent or not ( which never happened ). I kept in close contact with them weekly and sometimes twice a week checking up on my money and where it's at. Mind you I do not have a vehicle at the moment its being fixed. Two of the transactions happened in Alabama. I live in Ohio. On XXXX I found out there was a third claim on a bunch of other items I did not claim were fraud, but was told since there was a claim I had to write another email to their dispute documents email otherwise all the claims WILL be denied, so I did. XXXX I contacted them to find there was a third claim made on the four items I know were fraudulent and they told me it had been closed and I won't see any of the {$360.00} and change. I got upset and told them I wasn't happy with their service and had been a loyal customer for over 7 years and this is the first time it has ever happened. I felt I had proved my case since I live in the XXXX, Ohio area and spend money the same day these 4 transactions showed up pending XX/XX/XXXX, 2 transactions were in Alabama, the other two hours away from me in Ohio. Told them once again my vehicle has been getting worked on for months, that's why I've been using XXXX and XXXX daily to get to work. They sent me to the system main menu on the phone multiple times. Yesterday XXXX I got a text message saying I need to call about my account, something was wrong. After calling and over two and a half hours on the phone, I find my account was closed by them for suspicious fraudulent activity, and because of this I WILL not be getting any further help from them on my claim. I had over {$390.00} left in that account and now am afraid they will find a way to keep that too. They claimed they already processed my check and I should get it in 10 business days, but they also said that about crediting my account for the money fraudulently taken, that I felt I proven by looking up each place via account transaction and looking up how many miles they are from me. All four done the same day I spent money here in XXXX, Ohio.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

hey, i was using paypal to sell my product, my product was XXXX  templates, so after 2 months and half i got limited for reason i don't understand, from the message i got on the email on XX/XX/2021 says " You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited ", when i did search for templates as product i found it acceptable as digital products. 
even refunds was about 0.05 % .i did tried to contact them, but just the bot was responding back.
Consumer complaint received 2019-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

1. XX/XX/XXXX I decided to make a one-time payment online instead of sending in my usual check to make ( in full ) XX/XX/XXXX mortgage payment. Checked to see that my checking account info was in their system. 

2. XX/XX/XXXX received a Chase email thanking me for successfully scheduling my mortgage payment ( for XX/XX/XXXX ) -- I have a copy of this but it has identifying information. 

3. About XX/XX/XXXX while I was on a trip out of town, I began receiving emails that my mortgage payment was overdue, a late fee was assessed and my lateness would be reported to credit agencies ( I have an excellent credit record of paying on time ). 

4. XX/XX/XXXX made several calls to Chase customer service. I was told that my payment had been rejected and my bank ( checking ) was insinuated to be the rejector. On my calls I was repeatedly told ( by Chase ) that my calls were being recorded for debt collection. 

5. I phoned my bank on XX/XX/XXXX ( XXXX XXXX XXXX ) and was told that there was adequate money in my checking account and there was no reason that the bank would have refused to honor payment, in fact they had no record that Chase had sought payment. 

6. I phoned Chase customer service back on XX/XX/XXXX and told them my findings. I was told that the late fee would be removed and there would be no damage to my credit record and that they would process 2 payments from my checking ( their error on XX/XX/XXXX and an upcoming payment for XX/XX/XXXX ) to bring my mortgage acct completely up to date. 

7. About a week or so ago I got notice that nonpayment had been reported to a credit reporting agency and even though the former assessed late fee had been removed, they had not processed my requested payments ( even though a message on " pay by phone '' indicated that I had made a XX/XX/XXXX pay which was still being claimed as unpaid ). 

8. I attempted to resolve by phone and had to insist that I speak to a manager and was given " resolution specialist : XXXX XXXX '' and told to email info showing I had enough money in the bank to have covered my payments to XXXX or they would not repair my credit. I did so on XX/XX/XXXX. My bank statement is evidence. 

9. XX/XX/XXXX There has been no response to my email and phone calls so I decided that I would make payment by check. I had been wary of doing so in fear that Chase would finally follow my online and phone instructions to make payment as well as cashing my checks meaning that they would collect double. 

10. Even when, and if, my checks are cashed by Chase, there is no assurance that they won't charge me additional interest, late fees and not remove their erroneous reporting of nonpayment even though I had tried diligently to pay. Rather than responding to my repeated requests for them to take payment from my checking account, they keep sending mailings ( even overnight ) apparently trying to coerce me into signing a fulfillment contract with additional fees. This feels like a scam on the elderly.
Consumer complaint received 2021-02-05
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

Last month I sent XXXX XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the Discover card with the balance of around {$3000.00} that I never opened up. Before my attorney and I take XXXX  and Discover card to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this discover does not get removed because it was noted on the FTC report you removed everything else except for that one account just Discover pay you more money to rent space as a trade line XXXX? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves Discover card now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that XXXX  likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies which the accounts was opened. I am seeking your assistance to please remove the account which was opened by fraud as per FCRA Section 605B ( a ). I've tried sending my information to the credit bureaus but i am having a hard time getting any help dealing directly with them.
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (MI)

In XX/XX/XXXX, I received an alert from the credit bureaus that AssetCarellc flagged my account as collections. I have continually requested for this company to verify the debt to which they never have via mail in 2020. They would remove it then months later it would reappear. I'm disputing due to the fact that the hospital acknowledged that the charges were incorrect and processed my insurance XXXX XXXX XXXX. However a collection agency is trying to collect on an already paid account. I then dispute it with XXXX  requesting a detailed outline of billing to which they neglected to provide. They just updated the account within 36 hours with no proof or verification.