davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct so why are they asking me for proof. In the results of there investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? Experian have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore Experian have failed to provide the method of verification as required under Section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Experian has violation all of my right. enclose is a copy from XXXX and they or I could get these account that Experian said they verify. 
account name : XXXX account number:XXXX account name ; XXXX XXXX bank account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX Please send all papers and my signature to me on these accout, enclose is proof that they are not mine.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX, my boyfriend sent me {$10000.00} through venmo because he was unable to get the money out of his account. So, we tried mine and it worked at first. Then the day after, XX/XX/XXXX, I got an email saying my account was frozen, so I called and the customer support service man said I could transfer the funds still as a standard transfer so I did. Only one transfer went through and the other two transfers did not. I contacted the company again and sent them all the information they asked for in hopes theyll unfreeze my account, wrong. They would not give me any sort of answer until I called multiple times and all the customer service phone people did was make requests and special notes. Then today, XX/XX/XXXX, I called again and they were telling me theres nothing they can do for me as my account was closed. I asked them to send me a check with all of my money and they said they need 180 days to review the transactions and then theyll decide if my account should be reopened or not. We needed that money as we have bills to pay and to support ourselves. This company is ridiculous.
Consumer complaint received 2024-05-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BOK FINANCIAL CORP (NM)

I opened a XXXX  month CD in XXXX, XXXX. I opted NOT to roll over at maturation. The CD matured approximately XX/XX/XXXX and disappeared from my online banking portal. The funds did not appear in any of my accounts. I received no written correspondence from Bank of Albuquerque ( subsidiary of Bank of Oklahoma ). On XX/XX/XXXX or XX/XX/XXXX, someone identifying themselves as being from XXXX called my cell phone and spoke with my husband asking where the funds were to be deposited. He confirmed into my personal checking account. They didn't ask for any personal or identifying information and he didn't provide any. I have since confirmed with Bank of ABQ that they did place the call. 

As of XX/XX/XXXX, my funds are still not available. I called the only phone number available which turned out to be XXXX XXXX. They initially tried to tell me they couldn't help me and provided no other means to resolve the issue and locate my funds. I pushed on them and they said they transferred me to the " branch '' that had called me. ( They could apparently see a call in the records. ) I was connected with someone named XXXX. She was combative and unhelpful from the beginning, claiming there was nothing she could do. She then agreed to " verify my account '' by sending me a text. I work in a secure government facility and cell phones are not allowed. My office phone is also connected to my accounts for this reason, but she refused to call it or acknowledge it was listed. She put me on hold to " talk to her supervisor ''. After XXXX minutes on hold, she disconnected the call. It also turns out that XXXX is not a branch of Bank of Albuquerque but is in XXXX, Oklahoma at the Bank of Oklahoma ( parent company ) offices. 

I found a number for a local branch branch of Bank of Albuquerque and the person there found a " XXXX '' via their instant message and contacted her. I was connected to XXXX again and she said she couldn't figure out anything about how to resolve this but maybe someone named XXXX could. XXXX was in compliance, but was not available. XXXX would have to call me back ... at some undefined time... on my cell phone -- that I can't have access to during business hours. XXXX told me I wouldn't be able to resolve this locally at a branch, that XXXX would not schedule a time to call and told me that waiting for XXXX to call at some undefined time was the only way to get my funds. 

As of today, the CD matured XXXX  days ago, and I can't access my money or find a path to resolve this.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

My complaint is about the company Chime and the underlying financial institution The XXXX XXXX XXXX. I was made aware that my information was part of the recent XXXX XXXX XXXX data leak and that some of my personally identifiable information ( PII ) was available on the web, including the dark web. I got an email on the morning of XX/XX/23 welcoming me to Chime and that I apparently now had a Chime checking account with a debit card being mailed out " in the next few days ''. I DID NOT APPLY FOR OR REQUEST A CHIME ACCOUNT - THIS ACCOUNT IS UNAUTHORIZED AND FRAUDULENT. I called Chime to report the account as unauthorized and close the account. I asked Chime for the address that was on file for this account and they would not tell me what address was on the account, even though the account was opened in my name with all of my information. 

I informed Chime I was very concerned with the lack of controls around their account opening process, as it was very easy for someone to take a few pieces of information about me ( they at least had my name, email, phone number, and SSN ) and open an account with NO attempt to validate my identity - there was no 2-factor authentication, they did not have a picture of my identification, etc. I asked Chime how they can help ensure there are no further accounts opened in my name and they said if I see any future accounts opened up I should keep calling back to close them, which is NOT an appropriate method of customer due diligence. Because of how easy it was for someone to open the first account, I think it's highly likely further unauthorized accounts will be opened in my name. This is particularly concerning because Chime appears to approve account holders for credit cards with a {$200.00} deposit in the checking account, so someone would easily have taken out credit in my name due to Chime 's weak control system for customer authentication.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Driveway Finance Corporation (MS)

My daughter car was total out because someone hit her on her way to work. Driveway sent the insurance company a quote but it was not a quote to pay off the car. Driveway still have my daughter owing {$3300.00} and I co -sign for her. I would like to file a complaint because the company fail to quote the correct amount to the insurance company so the car could be paid off fully. Also, they was still reporting late payments on the car after the car was total out ( destroyed from the accident/ not drivable damage ). The car was total out and the company Driveway quoted the insurance company the price of the book value. I daughter XXXX XXXX XXXX because she had no transportation to and from work. They reported inaccurate information on my credit report and daughter credit report.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

Venmo deactivated my account on XX/XX/year> they didnt tell me the specific violation against their agreement terms that I violated I asked and requested this information numerous times .. venmo wont allow me access to the funds that are in my deactivated account they wont release these funds to me or let me withdraw my money to my bank account this money is not fraudulent at all the money is rightfully mines, I have won this money from XXXX XXXX  and XXXX, XXXX XXXX  Venmo only said I violated there terms and agreement that does not give Venmo the right to keep me from accessing the money thats verified and not fraudulent I demand Venmo to give me access to my money immediately .. Venmo has denied me access to my money for 180 days and this will put me in a financial crisis and I will lose my job and my home is I cant access and withdraw this money from my deactivated Venmo account asap.. I request Venmo to unfreeze my account so I can withdraw my money thats rightfully mines
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: U.S. BANCORP (MN)

During XXXX ( Covid ) and due to a XXXX XXXX  we filed a XXXX XXXX. US Bank has a second mortgage on our home property and the loan was discharged during the bankruptcy and although we did not reaffirm the loan, we continued paying. On more than one occasion, US Bank has not applied the payment towards the loan ( we have to pay via our bank/credit union because we can not access the loan online with US Bank due to the discharge ). US Bank charged late fees that currently total over {$600.00}. 

Last month I made XXXX payments in the amount and {$950.00} and {$970.00} and the statement only reflects the payment of {$950.00}. I spent hours on the phone and they claimed the payment from XX/XX/XXXX was stopped, so the XXXX payment was applied to XXXX. I have a bank statement showing that US Bank cashed a check on XX/XX/XXXX, so the payment was NOT stopped. Taking the money and not applying to my account is fraudulent and since this loan was discharged I have tried to negotiate a settlement for a lien release as we are tired of dealing with this and it has happened more than once. The amount of time I have to spend to prove the payments were made is ridiculous- I have NEVER missed a payment on this account, even after the bankruptcy and the discharge of the loan. 

I want the missing payments credited, late fees reversed and I would like the option to negotiate a settlement for a lien release.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions n accordance with the Fair Credit Reporting act Convergent Account # 120156, 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 2015-09-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (VA)

Barclays Financial canceled my credit card, because they stated that my credit score decreased. I 've been dealing with unemployment and have entered into payment agreements with all the accounts where I am delinquent. However, I have never been delinquent on the Barclays account. Can they cancel my credit card anyway? I thought they could not do that as long as I was up-to-date in paying them.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC (OH)

On XX/XX/year> security credit services llc filed a lawsuit in court violating our binding arbitration agreement causing me unnecessary stress and in violation of My rights to a fair remedy by trying to bypass the arbitration clause they are being unethical and in violation of the fair debt collection practices act I believe I have ground to sue them under these circumstances and will look in to it
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BlueChip Financial (NJ)

My identify has been stolen 3 times now last month my bank sent a letter saying that my info was stolen. I Never had anything to do with this company and its getting very stressful. Its not mine.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I need correction in my address and my name on all the credit bureau ... cause when i try to get credit card they denied my reqs and i have good credit .. i am waiting since XX/XX/2018 .. i sent id and i still waiting ...
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/year> LVNV Funding LLC reported that I owed them XXXX dollars. I have never bought anything, received anything from this company nor did I benefit from anything from this company nor the company that they represent.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC (VA)

Glasser and Glasser P.L.C. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Took over the collection of my remaining debts from the precious collector. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, PA that ended on XXXX XXXX since XX/XX/XXXX I agreed to make a monthly payment of {$70.00} until is paid in full. My last statement from XXXX dated XXXX XXXX the total balance was {$2200.00}. My XXXX payment was sent to Glasser and Glasser which is included in the payment summary. The payment for XX/XX/XXXX is missing that they do not acknowledge. Furthermore my first 2 payments in XXXX the month of XXXX and XX/XX/XXXX are missing in the payment summary even after a several phone calls to their office, I had spoken to XXXX 2 or 3 times then to another male representative who give me the email address to send my evidence to my payments and disputes I have done it twice, they ignored me and keep sending me a summary print of my payments with these 3 missing payment is not on the list. I sent a registers mail a month ago with evidences of my payments and mention that my last payment of XXXX will be in XXXX. I will stop giving them money after that. They are not the lawyer that I agreed to in my payment negotiated amount. I never get a statement from Glasser and Glasser every month that I made a payment to them online. But with the previous and the original collector XXXX sent me a monthly statement. Glasser and Glasser are trying to extract more money from me that I do not owe. They claimed in a letter that I got last week from XXXX XXXX stated according to XXXX the credit card provider that I owe more money. I called XXXX base on my SS # I do not have any balance and I do not have any payment due. My payment agreement settlement was with XXXX  never with Glasser and Glasser. I will stand on my ground and agree to the balance I got in my last statement from XXXX dated XXXX XXXX that should be paid in full in XX/XX/XXXX.
Consumer complaint received 2020-05-07
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2016-11-17
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: MEDCAH, Inc. (HI)

I received a voice message on my work phone from MEDCAH on XXXX/XXXX/XXXX, attempting to collect a debt. When I called the number that was left by them from my cellphone, I informed them that they left a voice message on my work phone and I had to ask them what this debt was. The Medcah employee told me that it was a debt from XXXX XXXX from XXXX/XXXX/XXXX in the amount of {$87.00}. I told the rep that From XXXX/XXXX/XXXX til XXXX/XXXX/XXXX I have never received a statement from XXXX XXXX nor a statement from Medcah, she explained they sent a statement in XX/XX/XXXX. From XX/XX/XXXX til XXXX/XXXX/XXXX I have not ever received a notice from Medcah. I asked her to send me a statement and as of XXXX/XXXX/XXXX I still have not received a statement from XXXX XXXX or Medcah. I would not jeopardize my credit report for {$87.00}.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I would like to report Flag Star bank to you guys please. I made XXXX transactions on XXXX through my bank called Flag Stat Bank, on XX/XX/year> of XXXX $ for a background check, and the other XXXX transaction on XXXX of XXXX $ for a Deposit for an apartment I thought I found online. For the second transaction on XXXX, that same night, I called my bank immediately, they were not able to reverse the XXXX $ transaction, but they were somehow able to find out the banks name that I XXXX  it to. For XXXX whole months, I was calling and speaking with the supervisor like everyday basically, but was never able to talk to the dispute department, I had to talk to their customer service the whole time. During these XXXX months, I have them all of the information needed, I also did the past month a Police Report. This was after them telling me over and over, that no don't contact the Police. I had the name of the bank, the phone number of the person, the persons emails, etc to the bank. They also told me multiple times that they would refund me my XXXX transactions, & then told me they denied my Dispute with them so I had to re do another dispute. Then they told me they denied my second dispute and I couldnt do anything. During also these XXXX months, they told me at times, they denied my dispute, then told me they didnt as well at XXXX time. They also told me everyday they would have someone call me back, and that only happened once. Also they told me that they would mail my old address a letter stating if they would accept or deny my dispute and never did. When I called at times, sometimes they hanged up on me. This was the worst Customer Service I have ever had with any business. After them telling me at times I would get my money back, they ended up denying. Thank you very much! XXXX XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (SC)

The credit collection agency 's attempt to collect a debt from me is completely unjustified and unlawful. I never had any business dealings with them nor did I authorize the sharing of my information. This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which protect against unauthorized access to my credit information and prohibit deceptive debt collection practices. Their actions are not only unethical but also in clear violation of these laws, and I intend to file a formal complaint to address this matter.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX, I submitted a mobile check deposit. The check pertained to my tax refund from the IRS. 

That same day I received an email stating that " The check amount or payee has been altered ''. This is a criminal offense. The bank is claiming that I am engaging in fraud. 

I called that same day at XXXX to request more information. I was told that the notes from the transaction indicated that the information " didn't match their records ''. I asked the agent what records they were referring to and she said that it might be something from the IRS, to callback the next day to the fraud department to get more info. 

I called the next day, XX/XX/XXXX as requested. I was told by the agent that this was a personal decision made by leadership, and I couldn't have more information, and to cash the check else where or send it to them over mail. 

I insisted that 1. I wouldn't send it over mail since I had no proof that they would deposit it after everything that has happened. 2. That I deserved information about why they so freely claim that I am committing a federal offense. 

They continued to state that this was a " personal '' decision from leadership. 

This is unacceptable, and not how a financial institution should operate. 

I request that they disclose exactly why they are profiling me as a criminal, and to immediately resolve this matter.
Consumer complaint received 2024-04-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CT)

This online company classy home I used to split the payments up for an item I purchased. The item arrived delivered broken. I emailed pictures to affirm to open dispute. Affirm was supposed to be assisting me in getting this matter resolved i submitted by email to affim all supporting documentation including photos of broken item, email screenshots with merchant to accept return. All this proof was submitted to affirm within 30days As, I am not paying for a broken item Instead of helping me, affirm closed the case and are siding with the merchant. XXXX, who never responded to the 13 emails I sent them about the broken item. Countless emails hours of calls to Affirm refuses to assist me.