davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Three unauthorized out of network atm withdrawals were made with my bank which is Chime bank/XXXX XXXX The first transaction was made on XX/XX/XXXXin the amount of {$1000.00} at an out of network bank which was XXXX XXXX in XXXX Florida. The second and third transaction was made at the same atm the next morning XXXX first amount was {$300.00} and the next amount was {$700.00}. I contacted the bank filed the disputes, cancelled the current debit card and transferred me remaining funds to my other bank. The bank informed me on XX/XX/XXXX that they were not refunding my money and were closing the claim. I called and spoke to a Supv in the dispute dept she advised there was nothing they could do and would send me out the details of the investigation and also advised that they would not pull the security cameras at the bank. I then called the police and filed a police report, gave the bank that information and the officers name then today XX/XX/XXXXthe bank advised that they still would not refund my money and the investigation was closed. I have been a long time customer with Chime, Im very upset and disappointed that Im being treated this way as one of their customers. I have emailed, called and I get the same answer there is nothing they can do. I dont feel they are thoroughly looking at my claim and I need my money back.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (TX)

File an complaint on my account numberXXXX my credit card been cutoff since the year of 2018 with a balance payoff since day one would like some to look in to my credit card since day one with my okay.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OZK (NC)

Bank of Ozk This company opened a checking and savings account for me and then months later asked me to verify my address. I am currently being forced because of COVID and the horrible mortgage industry and a car accident to live in a hotel. I was asked to send this company proof of address to the address I gave them. I sent them my XXXX bill and my XXXX checking account. This company then took it upon themselves to close my account with out warning and I never received a call or a letter and thank God I did not close my XXXX  account or I would have no way to get my direct deposits. This bank should be penalized and warned about this type of unscrupulous behavior.
Consumer complaint received 2019-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (PA)

My Daughter XXXX XXXX took out a student loan with this bank in 2016 in the amount of {$100000.00}. I was the Co signer on the loan. The loan was to pay for her XXXX  at XXXX University. It was a consolidation of the loans she used to pay for school. I have had accounts with this bank for the past 15 years or more. I have had very large mortgages with this bank in the past. I have at one time been a Private Banking Client of this bank. So I have a long history with them. XXXX  travels extensively for her work, both domestically and internationally. She is at our home maybe three or four times a year and has some of her mail sent hear, which we do not open. She is XXXX years old.Approximately two weeks ago she learned that the bank had charged off her loan and was offering a settlement of {$40000.00} over two years. At that point it was her understanding that the loan was on auto pay. Apparently it was not. She therefore missed four payment and they charged the loan off. When I heard about this, I was very concerned about her credit and my credit, so I called XXXX XXXX. at XXXX XXXX XXXX extension XXXX. He said we charged it off and I have to talk to the recovery department which I did. Ithen spoke with four different people and ended back in XXXX  office. I explained to them that I never was told the loan was in default. They said we sent you a letter. I said I never got a letter. I told them I would be glad to make all the past due payments if they would tell me how much it is. I said I will pay you within 24 hours. They said too bad we will not reverse the charge off. I told them you made no effort to get me to pay these amounts. That is why you wanted me to sign on the loan in the first place. The loan has a provision whereby either side can request arbitration and i was denied that right because they just wrote it off. XXXX  said we have a " do not call '' notation on your file because we called you one time and you said don't call me. so we never contacted you. What actually happened was they had called a couple of times to tell me XXXX was late and I said don't call me when she is late call her. I then told her to make sure she paid them. I do not think this bank made any effort to let me know that the loan was in arrears. All they did was send me a letter and i never saw that letter. XXXX comment was you should open your mail. I said XXXX  I am a XXXX XXXX and XXXX XXXX. I deal with Guarantees and Letters of Credit all the time. I have an excellent credit rating. If I had known about this I would have fixed it. I now know about it and I have told you I will fix it and you have essentially said we do not want your money. We are charging this off. Thereby potentially ruining my credit and XXXX. I told him that for a {$100000.00} they had an obligation to do more than send me a letter which I never got. I need some help on this. The bank is not being fair or reasonable. Thank you.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (KY)

Received letter dated XX/XX/XXXX stating my account was closed. Stated possible reason ( s ) account was closed were Low Payments, Insufficient Time Since Account Was Opened, High Utilization On Account or Delinquency In Last 6 Months. None of those factors applied to my account. I made the REQUIRED payments per the billing statements. I did just open the account in XXXX of XXXX but had used the card frequently for home improvement projects. I also paid off the original entire balance we put on it. At the time of closure, I had more credit available than I owed, so I am not sure high utilization applies here. Not to mention, I was never late on a payment. When I reached out to customer service, I was told it was a Credit Bureau decision, but in the XXXX response to my XXXX  complaint it was stated the decision was based on an overview of my account and not my credit file. I also filed a XXXX  complaint requesting specific details/documentation/dates showing exactly what was used to come to that decision. Not only did Synchrony not provide details or specifics, they did not even respond to the original XXXX  complaint by the deadline. They responded 6 days later! Their response was scripted, generic and ambiguous and felt more like they were deflecting and making excuses. I informed the XXXX that I did not accept the response and again requested detailed information and specific events that led to the decision. In the rebuttal from Synchrony, it was more scripted, generic information. All I ask is specific details ; what threw up the red flags to close my account. I also feel that the reasons outlined are false, basically bold face lies and I think as a consumer I deserve the company to act professionally and provide me with the requested information. It is concerning that all I get is generic, scripted responses and the company seems to have no accountability. I do not want to re-open the account or anythingI just want the truththe facts! If I can not be provided details, it lends itself that Synchrony is acting in a fraudulent manner.
Consumer complaint received 2022-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (MI)

On XX/XX/2021 I received a call from Rocket Mortgage asking if I was interested in a refinance, I spoke to a guy named XXXX for about 5mins I was at work asked him to call me back at XXXX when I had time to hear the options, a few minutes later I received a text from XXXX to share his contact info at this time I informed XXXX NOT to run my credit, a day later I received a notification that I had a hard inquiry on my credit from Rocket who NEVER asked for permission to run my credit. XXXX did call me back at XXXX and said " we'll have to put your file on hold since you don't won't to run your credit '' then hung up.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named XXXX. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O
Consumer complaint received 2022-08-10
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)

Equifax has violated my consumer rights. I have tried to dispute the erroneous information on my credit report numerous times the most recent being XXXX of XXXX A proper reinvestigation was not done pursuant to 15 USC 1681. The accounts were indeed verified by Equifax and remained on my report even though it is against the law for it to be there, especially without my consent. Since the information could not be verified pursuant to the FCRA it has to be removed. Equifax has failed to do that. I called Equifax on XX/XX/XXXX to have the accounts removed and was told by XXXX that I would be able to have to accounts removed. She gave me a confirmation number and told me my account would be updated in 30 days. I got an alert on my credit file that Equifax had not removed the accounts but started another dispute, which I specifically said I did not want. XXXX did not tell the truth nor do her job which is to remove all the accounts that she said would be removed that I have disputed as being erroneous. This has greatly affected my ability to have any credit extended to me because my score is so low due to this being improperly reported and subsequently improperly reinvestigated. Equifax needs to do their lawful duty and correct my report.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (VA)

On the XXXX of XX/XX/2021, I made an international transfer of {$200.00} from Ria XXXX XXXX to XXXX XXXX. I received a message that the recipient has the money but the recipient did not receive any money so I called Ria to inform them. They told me they will contact the recipient bank and call me in one to three business days. So I did not hear from them as they promised so I called them again, they told me they have not heard from the recipient bank so I should give them another one to seven business days. Seven business days passed but no action was made so I called them for the third time, they told me to wait for another one to ten business days and it has passed I have not heard from them, my recipient still doesn't have the money, they have not refunded the money either. So I want them to refund my money.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. There collection companies do not have a contact with my signature.
Consumer complaint received 2022-08-10
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)

This is my 13th attempt to notify that I am a victim of identity theft and I sent a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these unknown Items listed must be deleted : XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$77.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

I am resubmitting a compliant about Sallie Mae because I caught them on another lie. My original compliant was XXXX. Their response was that my checking account number was wrong so that is why after they approved my payment, they reversed and rejected it. So not only did they confirm that the reversal was on them ... .they purposefully rejected my payment which now shows on my account that I have a late payment in my payment history. I attached a screenshot that shows that their website restricts you from reviewing your payment prior to submitting if your account number is entered incorrectly. So if I was able to submit my payment and receive a confirmation from the company, then my account information was correct. If it accepted the payment then I also had funds on my account to receive an online receipt. Therefore that is proof that I had the funds and my payment was processed accurately. Sallie Mae chose to send the money back which will have a negative impact on my credit report. I believe this is an FTC violation.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I have opened several fraud claims with wells fargo in regard to erroneous XXXX transfers that were not made by me. XXXX  XXXX dollars have been fraudulently removed from my wells fargo account. I have contacted wells fargo on NUMEROUS occasions. They stated they could not track where the money went being that XXXX is a 3rd party service, but I recently got a notice in the mail where they were able to track 1 of the claims. How is this possible when they could not track the other claims to verify which account they went into. Wells fargo is playing a game and stealing my money. Why can they not track all the other claims? They just pick one claim and now they can all of a sudden magically track where this one.went. Why can't they track the other claims? I ' ve been a wells fargo customer for over 15 years. I closed my account because of their horrible customer service and the unwillingness to due their due diligence and protect their customer. Please track all my other claims and you will see that this money that was stolen went to fraudulent accounts because the recipient did not receive the funds and I did not send the funds
Consumer complaint received 2022-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (FL)

I had a VA mortgage with XXXX and decided to refinance my VA loan with New Day USA in XX/XX/XXXX. New Day USA mismanaged the refinance of our mortgage with XXXX. Our property taxes for XXXX were {$2.00}, XXXX. Our proposed property taxes for XXXX are {$2.00}, XXXX. In XX/XX/XXXX New Day USA assessed our property taxes at a little over {$400.00}. This amount was the taxes on the property before a house was built. The correct amount of the property taxes was available to New Day USA through our former mortgage company and also available with the XXXX XXXX XXXX XXXX. As a result New Day USA was not taking out the proper amount to put in our escrow account. The property taxes are due next month in XXXX. Myself and my fiance are on social security and live paycheck to paycheck and do not have any savings to cover the deficit. New Day USA has only {$690.00} in the escrow account so there's a deficit of XXXX, XXXX. New Day USA is making excuses that we had a huge increase on our taxes which is incorrect. There's a potential increase of {$100.00}. So this is clearly a gross mismanagement of our refinance with New Day USA. So a warning to any consumers thinking about doing business with New Day USA I would not!
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NE)

XX/XX/XXXX thru XX/XX/XXXX i been trying to retrieve my money that was used in a scam.And when i called you, the money was still pending and u didnt stop it the transaction u told me that it had to be recieve first and then u could get my money back.. U told me to register my card on 4 attempts it never got register on the 5th attempt it was denied and you told me to report it to police ... And your custumer service was rude and horrible especially the foriegn women ... Your card was used and requested by this company to scam me out of my money ... And you didnt help me to get it back ut seem to me like you was in this together ... The Scam
Consumer complaint received 2022-10-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (WV)

I am getting repeated phone calls from a company called CBE. They use robocalling but never once have they answered the phone. I don't know why they are calling or what det it is in reference because they never pick up the line. 

CALL HISTORY : XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2XXXX XXXX XXXX No answer XX/XX/2022 XXXX XXXX No answer XX/XX/202XXXX XXXX XXXX. and XXXXXXXX XXXX No answer XX/XX/2022 XXXXXXXX XXXX No answer XX/XX/2022 XXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. and XXXX XXXX. No answer XX/XX/2022 XXXX XXXX. No answer XX/XX/2022 XXXX XXXX. and XXXXXXXX XXXX No answer XX/XX/2022 XXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer I am XXXX and have one phone, it is taxing on me to go to the phone everytime they call.
Consumer complaint received 2021-04-21
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: Experian Information Solutions Inc. (CO)

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Consumer complaint received 2022-10-11
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. (WV)

XX/XX/XXXX - XXXX - disputed XX/XX/XXXX with CFPB and requested account to be removed as it is a violation of 15 USC 1681 section 602 A, my right to privacy, 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish an account with my written instructions and 15 USC 1681c. ( a ) ( 5 ) section, no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes... I am requesting to have the account deleted from my credit report
Consumer complaint received 2022-04-25
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. (IL)

in accordance with the fair Credit Reporting act. the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. section 602 A states i have the right to privacy,15 USC 1681 section 604 A States a consumer reporting agency can not furnish a Account with out my written instructions. account # XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Bankruptcy Chapter XXXX dismissed reference # XXXX, Bankruptcy Chapter XXXX reference # XXXX 15 U. S.C.1681 605 No Consumer Reporting agency may make any consumer report containing any of the following items of information : Bankruptcy 15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an consumer credit plan as a late for any purpose