davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CT)

I recently noticed a specific amount being deducted out of my account monthly. Every time I try to red flag the amount CHIME BANK tells me that nothing can be done until the withdrawal is completed. After they withdrew out of my account XXXX times and nothing was done I decided to call again this time I put in a claim for all XXXX transaction each charged at {$29.00}. After a day investigations they claim the the charges were valid and theres nothing they can do to refund back the amount. I repeatedly explain to the supervisor that I can not provide any further proof since its a company Im never heard of he then told me that I would need a police report I asked what am I going to tell the police and then he told me according to his investigation that all the charges were right and there is nothing that they can do to refund back the money. They took out {$200.00} and some change over a period of time which they are not looking to reimburse me I do not know what to do at this point I can not get in touch with Manager theyre telling me to get a police report I dont know what to do please help me with anything that you guys can provide with assistance
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

For roughly the past 6 months my debit cards have been compromised and ally refused to tell me they were compromised. They led me to believe these charges were harmless and posed no risk to my account, it turns out that all of their cards are compromised and I am now worried about my debit card. 

Most recently I had fraudulent charges attempted on a closed debit card on XXXX. Ive contacted them about 10 times and could never get a straight forward answer about why my debit card was not working properly. My debit card was randomly marking valid transactions as fraud preventing me from accessing my money, this occurred in XXXX. 

To summarize, my concerns are : -dishonestly around fraud and compromised accounts -thieves accessing locked down cards -debit card control feature not working, creating false security -ally bank disabling my fraud alerts after misleading me to believe their system was not compromised -ally flagging my transactions in XXXX preventing me from using my card -a XXXX  fraud charge attempted, which I dont believe they emailed me and I lost the text. 
-inability to reach customer support and get information from them Things appear to be ok right now but Im afraid my money will be stolen
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

Upon trying to withdraw {$20.00} from the ATM, for which I need to purchase my husband 's medication, and even though I have overdraft protection, I keep getting denied. I believe that customers should be able to get some money, especially for an emergency. Also, {$35.00} fees are absolutely outrageous. It's no wonder people who are on a fixed income can not get caught up. Wells Fargo refuses to return the fees, overcharges if you can not get to their ATM & representatives do not want to hear any complaints. We have threatened to make the move to another financial institution, yet, even the so called XXXX line doesn't want to help. I've asked to speak to the bank ceo, but am given an excuse.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allgate Financial, LLC (MO)

JH CX Liquidating Trust, represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO has sued me for credit card debt that is more than XXXX years old. The debt was incurred prior to XXXX, XXXX, and we have 2 scheduled court dates for XXXX and XX/XX/XXXX. 

I have had no contact with any person or company in regard to this debt since early XXXX have never been contacted by JH CX Liquidating Trust.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (FL)

On XX/XX/2021 I reported fraudulent activity on my debit card immediately after noticing the unauthorized transactions. ( Someone activated my card and starting using it, I never received it ) Way2Go sent me out a new debit card and never investigated the fraudulent activity. They were supposed to do an investigation and refund me my money that was stolen from my card.
Consumer complaint received 2022-09-26
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. can you help with it?
Consumer complaint received 2022-08-23
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: ERC (VA)

Pursant to 18 USC 8, I owe no debt, This company ( ENHANCED RECOVERY COMPANY ALSO KNOWN AS XXXX  but showing up on my consumer report as XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality THIS SHOULD BE REMOVED IT ALREADY STATES THAT IT MEETS THE FCRA REQUIREMENTS TO BE DELTED THIS ACCOUNT IS FRAUDULENT
Consumer complaint received 2022-09-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-09-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (OH)

Sometime around XX/XX/22, I received a letter from Rategenius ( see attachments offer-front.jpg and offer-back.jpg ). After reading it carefully, it was my understanding that they were offering me a rate of 2.64 % and a lower payment to refinance my truck. Since this was for an interest rate less than I am currently paying, I proceeded to go to the URL they provided to receive my personalized offer page. What I received instead was a form to fill out additional information. I did not realize I was actually going through the loan application process until it was too late and an inquiry had been made to my credit. 

At that point, I figured I'd just go ahead and provide the documentation they asked for, and proceed with the loan. This morning however, I received notification the loan application had been cancelled, with the attached document ( rategenius-denial.pdf ). Essentially in the letter they said they couldn't find a lender willing to offer the rate they promised. 

So I have two issues with this. Number one is them providing bait and switch interest rates that don't exist. Now they have all my financial information. This is completely unacceptable. 

The second issue I have is with the link to the personalized offer, which page was not indicative that I was actually making a loan application, and since it didn't show any additional details, I simply thought I was giving additional information so I could receive more details specific to my circumstances.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (AL)

I requested a letter, which the collector refused to do. I reluctantly agree to correspond via email. I also asked that they not call me due to XXXX XXXX at which point he mocked me. Then did not send the email when he said he would. I had to leave a voicemail for the collector to remind him to send it on Friday XX/XX/22. 
I received a call from the collector on XX/XX/22, After I requested to not be contacted by phone. The collector tried to say I called him which was not the case and I have proof otherwise. The collector then tried to pressure me into scheduling a payment at which point I told him I wasnt comfortable doing. I told him that I asked him not to call back to reach me via email as we agreed. He said he would just continue to call if I did not schedule the payment today.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX  XXXX Date Opened:XXXX Balance : $ XXXXClosed Late Date XX/XX/21
Consumer complaint received 2022-08-22
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. (CA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, I sent in letters and they told me they will be taken care of when I send in this form. I was told the inquiries would be removed.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (IL)

I opened my checking account with the XXXX XXXX, Ca Branch manager. I was not able to have online access for a month. I relocated and brought Social Security card and Driver 's license in branch. I keep getting letters that they will close account without identifying information. I went into XXXX, Illinois branch and again showed identifying Information to XXXX, manager. She confirmed everything was there. This is not against the branch but corporate, XXXX XXXX name is on letter. Again I received a letter dated XX/XX/22 that they will close account in 10 days. This is harassment.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

I have provided all of the documents and regardless I am still denied access to my account. I have provided the drivers license I was given by the state of Illinois. You are denying me again. Request for more documents. I dont have the debit card from my account that was closed and I was denied access to since XX/XX/XXXX. I am homeless now and I am without any explanation to where the XXXX {$50000.00} of my money went. I am locked out of my account and have been since I inquired about it back in XXXX of XXXX. I want to know where my money went. I am fed up of asking. Chime is nothing but a scam. I reported to chime fraud department nothing. Reported to XXXX  and nothing came from that other than Chime wanted to fix issue directly without XXXX  involvement. I resent all identification documents to be still months later nowhere as before. Chime is a scam and no customer service for their customers. They just simply cut you off and ignore the situation when questioned. I want my {$50000.00} Chime. I am homeless now because of you. If I would have had my funds available I would have been able to remain off the street and have a home. Shame on you.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, my online banking, debit card, and checking account were compromised. I spoke to Wells Fargo in XX/XX/XXXX and was told that my online banking, debit card and checking account would be frozen. On XX/XX/XXXX, a fraudulent transfer of {$1900.00} was made from my credit card ending in XXXX to my checking account. {$700.00} of this money was fraudulently withdrawn from my checking account. Once I was made aware of this fraudulent transfer and withdrawal, I contacted Wells Fargo to file another claim for my credit card. My claim was denied by credit card claims because they stated since the {$700.00} was withdrawn from my checking account, I would have to file a claim with the checking department. I was transferred to the checking department and spoke with XXXX who stated I would need to speak with the debit card department and assured me that I would be transferred to the correct department. I then spoke with XXXX who was extremely rude and stated that she needed to double check something. When asked what she needed to check, she falsely stated that she could not tell me what she was checking for my own privacy. I asked to speak to a supervisor and after placing me on hold for 5 minutes, she stated that a supervisor would not be able to speak to me. XXXX then stated that she would have to transfer me to credit card claims. I reiterated that I had already spoken to credit card claims who transferred me to checking who then transferred me to debit card claims. I asked XXXX how the funds were withdraw from the account in an attempt to clarify why I was transferred to debit cards and she refused to answer my question. XXXX then went silent on the call and would not speak and I subsequently hung up after not hearing from her for several minutes. I would like assistance with recovering these funds without getting bounced around as I have been.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. This is your final chance to resolve the inaccuracies on the items : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

Didnt receive funds called since XXXX total 11 times spoke 7 representatives 4 managers went through the whole process and agree to have the money but keep saying they sent it out and I have the option of waiting for another or just waiting for the check thats my only option I keep waiting the ten to 15 days and they refuse to expedite, track, give me a tracking number send certified. I ask to speak to the managers supervisor two times they refuse and say he will call in 48 hrs and he doesnt. I banked with this bank since 1988 and this is how Im treated
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (PA)

Good afternoon : I am a US citizen residing in XXXX, PA. I am writing to you to request your assistance and to file a complaint for the US Bank. I have exhausted all the other channels available through US banks. 
In XXXX of XXXX, I opened a checking/savings account with a US bank , because I could save some money on my closing costs with a US mortgage for my second home. 
I decided to use this account mostly for my rental property ( previous home ). I have a tenant that deposited mostly rent payments from XXXX to XXXX into the US Checking account. 
In XX/XX/XXXX, I received a letter from a US bank stating that the account was going to be closed due to the lack of activity. I did not make much of it. 
In XX/XX/XXXX, I began to call the US bank and requested the funds that were left into the account, ( {$3800.00} ). I was told by different customer service representatives that the US retains the funds for 45-60 days from the moment that the account is closed. So I waited 45 days and called back and I was told to wait 60 days. 
It has been more than 90 days and I still have not received my funds. 
After many calls to customer service and many people on line, I was told that the funds were going to be released at a US Branch office. I needed to go in person. I did not have any US bank branches closed by. I was sent to a US bank in XXXX, Ohio. 
I spoke with the branch manager who identified himself as XXXX. He said in various calls he will not issue a cashier 's check or release the funds because he does not know why the account was closed. He, the US Bank Branch manager, did some research and found nothing to justify why the account was closed. He has refused to release the funds because he said a hold was placed on the account and he does not feel comfortable releasing the funds. This all seems to be a scam. These were legally deposited funds into my account that US Bank without any other communication or justifications provide no path to recovery. 

Please, provide me with some guidance on how to proceed in this matter. 
Thanks so much Regards XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (TX)

There was a balance of under {$6.00}. We attempted to call to make a payment but ivr indicated that there was not balance. Have escalated the issue multiple times because the account has now been closed without notice. After speaking to multiple people about their system not being synced, I was told that they could not talk to me if I did not submit a document as my Fathers agent. This account has been active since 2003.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.