davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (VA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$82.00} ; XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$81.00} ; XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a credit balance and requested Capital One to issue a check on or around XX/XX/XXXX and again on or around XX/XX/XXXX. To this day, I still have not received the check. 

I called and sent an email to Capital One leadership team 3 times and no one responded to my inquiry. 

This is the WORSE customer centric company that I ever have to deal with.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MO)

complaint # XXXX Attn XXXX : XXXX XXXX account numbers are XXXX and XXXX. I only have access to XXXX, that is where I would like my miles to go. Thank you Frontier Airlines somehow has XXXX member accounts under my name. I have tried 15 times to contact XXXX to resolve this and they keep sending me to a recorded line with no help. I have paid for XXXX 's discount XXXX plan more than once and need that resolved. I need my account with all of my miles and my payment history for the discount den plan. I've tried over and over to speak with someone from the credit card company and tried to call XXXX. Impossible.
Consumer complaint received 2016-02-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of Jamestown, Inc. (IN)

I am being harassed by a company called CBJ collections stating I took a payday loan in 2009 of {$600.00}. I have no recollection of that whatsoever, and they refuse to send me any documentation stating proof of debt. They have verbally harassed me with foul language and threatening court. I want all of this to stop ... they have called family members immediately without giving me anytime to call them back. want my name to be removed and to stop passing my name to other collection agencies.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NV)

Have been a Chase Southwest Rewards cardholder for years now with little to speak of regarding complaints. That being said I've only recently used their rewards services. I booked a trip to XXXX XXXX in XX/XX/XXXX ' using their rewards site. What they don't tell you is that the hotel reservations are made thru a third party XXXX and EVERYTHING is to be done regarding that reservation with that site. My problem began with XXXX  not sending me a confirmation email which provides both a confirmation number and PIN number for your reservation. I waited weeks and didn't receive it so i attempted to dispute the transaction because i had no way of determining the reservation was performed with the XXXXXXXX. The representative told me i need to get a hold of XXXX in order to get a cancellation. I tried every single avenue there was to get in tough with them and it its literally impossible without that pin and confirmation. Called the dispute team back and they then managed to use a merchant number to reach a person at the XXXX to attain the confirmation number. I then tried to cancel the reservation again but still didn't have the pin number in order to speak to anyone at XXXX. So again i contacted the dispute team at chase, was told to contact southwest, was told they can not get in touch with XXXX and referred me back to my cardholder. Chase now states that they are not directly linked to either southwest or XXXX so i need to get a cancellation confirmation and then they would be able to move forward with the dispute. I am now out over four hundred dollars for a reservation just for being a customer of Chase credit card services and using their affiliated rewards program. All in all I have called Chase, Southwest and XXXX at least a dozen times to no avail, emailed XXXX  and waited as i was told to do so by a chase dispute representative and been given the run around by every person they can get me to talk to. The kicker is that the last dispute representative told me if its past the free cancellation period chase can not move forward with the dispute even though this has taken so long per their request. DO NOT use southwest rewards to book anything other than a flight and especially DO NOT use XXXX.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP (TX)

On XX/XX/2016 I requested copies of monthly statements for XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016. On XX/XX/2016 I receive a response advising me that they have received my request and to inform me per cardholder agreement there is a charge of up to XXXX for each statement requested and to sign the form agreeing to the fee. XXXX XXXX has not provided a regular monthly statement. I have tried to access my account online but they have blocked my access. I have requested my statements for the last three months and received a response to pay {$5.00} for each statement eventhough they have n't mailed the statement denying my right to review charges and credits! Elan Financial known as XXXX XXXX has failed to provide timely monthly statements allowing me the opportunity given other regular cardholders! There attempt to extort additional funds in exchange for statements never received leaves me suspicious of this unscrupulous financial institution. At this point I want my online access reinstated and paper statements for the entire year forthcoming without delay.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (PA)

I have never encountered a bank with this level of horrifying customer service. My debit card number is XXXX. There is a fraud block on my account and I am unable to use my debit card. When I call into the overseas crew of employees you have, I am told to verify my phone number. When I give them the only two phone numbers I have, they say it was unsuccessful and hang up the phone. I have called eight times. Right now I am not able to do anything at all with my checking account due to this bizarre situation.
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (AR)

XXXX has either been hacked terribly or their customer service is at an all time low. They have had all sorts of system problems with payments from bill payment services. My payment has not posted in 5 days and I am being told by their customer service that it will be the XXXX until it is fixed which is 4 more days from now. My is online information is blocked because it trying to collect a payment ( That they have lost ) which leads me to believe they have been hacked. All of customer service has been told to say the same thing and all transactions with their credit cards ( I assume that use bill payments ) are bring denied which was terribly embarrassing to my wife in the store. I am hopeful this is only effects the bill payment customers. Everyone should check their accounts to see if they have been affected. This is horrible customer service and I can not believe they have shut our credit cards down and online information when they have my last payment but I guess can not find it!!!!! If they have been hacked they should tell the customers
Consumer complaint received 2017-01-04
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made the max contribution for XX/XX/XXXX of {$3300.00} to my Bank of America Health Savings Account ( BoA HSA ) on XX/XX/XXXX. That amount was taken from my checking account on XX/XX/XXXX. I checked after 5 weekdays ( the typical time for processing ) and the transaction was still pending, which I attributed to the holidays. I rechecked the next day and the transaction was gone. I looked under help tickets on my account and found that BoA had opened a help ticket which stated that my account was closed XX/XX/XXXX due to inactivity and since it had been more than 180 days, they would need verification that I still had an HSA-eligible insurance plan. To my knowledge, I was never informed of the account closing. Also, I was able to make the contribution as I always had in the past-there was no flag on my account that it was closed. Regardless, I contacted XXXX, my insurer, to get BoA the info they needed. The XXXX rep was on the phone with me for over an hour as we tried to resolve this situation with BoA. After listening to multiple BoA reps, it seems the confusion is that my account was set up incorrectly in XX/XX/XXXX, listing XXXX as my employer rather than my insurer. To reopen my account, they want an email from XXXX verifying my employment and insurance plan. Both I and the XXXX rep explained to multiple BoA reps that I have an individual policy with XXXX because I am self-employed. I am not now nor have ever been employed by XXXX. Neither I nor the XXXX rep seemed to make any headway with BoA ; nevertheless, the XXXX rep faxed a letter indicating my HSA eligibility and we were told it would be taken into consideration but they still needed the employer verification. On Friday, XX/XX/XXXX, I spoke with a supervisor with BoA HSA and re-explained the situation. She verified that I was listed as an employee of XXXX and said that she would elevate my help request to critical status, meaning it would be addressed within 24-48 business hours. She also stated that she would call today, Tues-XX/XX/XXXX, with a status update at minimum. I assured her of my appreciation for her assistance but also let her know that I would be filing a complaint with CFPB if there was no follow-through as promised due to the seriousness of the situation. As of XX/XX/XXXX CST, I have received no call. I checked my account online and all my help tickets were listed as " resolved '' and under account balance " no record found '' is notated. I have initiated a help ticket of my own on the BoA site and am now filing a complaint with CFPB as BoA HSA is holding my funds in the amount of {$3300.00} without any notice or plan for resolution. In addition, due to their error in setting up my HSA account, I am currently being blocked from utilizing it in order to process past medical claims that I have paid directly.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States I : It also states a consumer reporting can not furnish an account without my written instructions.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

Chime decided to close my account due to violating their member services agreement on XX/XX/XXXX, I had approximately {$6700.00} in my Savings/Checking Account, and I had provided all of the requested documentation to release my funds immediately back to me. I've sent several emails and placed many phone calls to Chime and their customer support department and have not been helped. I keep receiving the same answer via email indicating I am not entitled to a refund. This is my hard earned money, I have provided proof and explanation of my deposits, everything is legitimate on my end, I have never had any issues with Chime or any other financial institution before, you can not hold my money, and claim I am not entitled to a refund, I didn't do anything wrong, that is my money. I have not been able to pay any bills, buy food, support my family, put gas into my car since XX/XX/XXXX, I have a car and insurance payment due on the XXXX and XXXX of XXXX, my rent is due on XX/XX/XXXX. I am escalating this matter to the fullest extent of the law until my hard earned money is refunded. I am filing a complaint with the Consumer Financial Protection Bureau next and will be hiring a law firm to file a Summons and Complaint against Chime and your associated entities for all of the damages and harm you have caused my family and I in this matter.
Consumer complaint received 2022-11-23
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: LEXISNEXIS (SC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

I received a deposit from XXXX XXXX  when my car was totaled out from an accident. 2 months go by and then my account was locked. I called and was told I broke the policy there and my account was closed. They then told me I'd get my funds via check in XXXX XXXX days. After no check arrived, I called back and they said my account is not closed but on hold and I needed to send proof of where my direct deposit came from. So I emailed them a copy of XXXX XXXX paper that gave specific amounts. Now a week later they still won't release my funds. They won't let me cancel my account either. I don't understand. I'm being treated like a criminal because of a car accident. I ask you to please look into this bank? Now they want info for more than 1 date but I can't get into look so how can I remember 2 months ago without being able to see.
Consumer complaint received 2016-08-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was in receipt of a notice from Bank of America 's attorney of record that my home was in foreclosure. The notice explained that I could apply for Conditions for Continued Occupancy and included form XXXX ( Request for Occupied Conveyance. I responded to this notice that I received twice. I never received a response from Bank of America to indicate whether or not my request was approved or denied. I am now in receipt of a Sherriff Sale notice dated for XXXX/XXXX/2016.
Consumer complaint received 2022-11-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CT)

I filed XXXX XXXX bankruptcy in XX/XX/2020 Sallie Mae was listed as a debtor on this bankruptcy case XXXX my XXXX XXXX  bankruptcy was approved and discharged effective XX/XX/2020, they are now trying to collect this debt. 
Please advise as I have sent them a copy of the discharge. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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. (FL)

I have attached an FTC report with inquiries I did not authorize and need to have them deleted. I have also attached accounts which all have errors and need to be deleted please also update my personal information
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: STATE FARM BANK, FSB (CA)

I have had this credit card since 2008. For years I struggled financially to make my payments in full. Last month I genuinely forgot to make a payment of {$100.00}, and since I did not pay my balance in full I incurred a {$57.00} charge on interest. This credit card company charges you interest based on the amount of purchases you had in the month. I called to ask if they could waive the fee since it was an error on my end and I have never in the 12 years of having this card asked for an exception. They were very unwilling to help, they placed me on hold on for about 20 minutes trying to locate a supervisor. I was  transferred to corporate. The lady ( did not write her name ) had no empathy and rapidly told me she can help me close my card since I shared with her that this card had no benefit to me due to the large increased interest charges. She did not care to listen to my request.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00}
Consumer complaint received 2016-09-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (CA)

I expected to pay off the loan in 36 payments ; the payments are {$230.00}. 
I 've made 31 payments totaling over XXXX ; the most recent statement shows a payoff balance of over {$4000.00}. The original loan was {$2500.00}. 
I 've repaid three times what I originally borrowed and they say I still owe them {$4000.00}! 
I was XXXX years old when I made the loan and I feel like I was lead into a debt trap. 
I do n't know if this is illegal or not ... I think it should be ... I think it stinks. Is there no one protecting XXXX from this type of thing?
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (FL)

I was contacted by this company and they allege that I owe them a debt but I am not famailiar with this company or any financial relationship with them. I asked them to stop calling and any credit report activity as I am disputing this debt. i wrote them a letter an sent it certified mail but I have yet to recieve a response. please help me thank you.
Consumer complaint received 2020-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MIDFIRST BANK (OK)

On XX/XX/XXXX a property was mortgaged by borrower and co-borrower for {$40000.00} to lender ( Midfirst Bank ). The last scheduled payment to lender is XX/XX/XXXX. However, the final payment on the mortgage was XX/XX/XXXX ( see receipt ). As of XX/XX/XXXX Midfirst Bank has fail to provide a mortgage lien release and satisfactory of mortgage in a timely manner.
Consumer complaint received 2020-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (CO)

Reporting Forgery/Counterfeiting Here is the information requested from Telechex approximately 12 days after me filing a report of unauthorized funds being debited from my account. Here is a quick background. I found unauthorized debits coming from an XXXX account linked to XXXX XXXX directly withdrawing unauthorized money from my personal checking account. Upon noticing this, I immediately called my bank, XXXX, who referred me to Telechex. I went to the Telechex website and tried to find a phone number to call. After much searching, I found a phone number where I waited more  than 35 minutes only to be referred to another area on the website that specializes in fraud.

I filled in the relevant forms on the website which said that it could take up to 30 days for Telechex to respond. I called my bank again and they said that they couldnt stop charges from debiting accounts linked to XXXX because there are too many company ID numbers associated with XXXX to block all of them. They again asked me to get in touch with Telechex.

10 days later a letter arrives in the mail and asks me again to fill in the exact same forms that I already filled in on the website. In the meantime, more money was debited from my checking account while Telechex decided to use the postal service for communication instead of a phone or email. 
I am sending a copy of this letter to Consumer Financial Protections Bureau along with my response directly to your fraud department. The fact that Telechex doesnt have a fraud number to cease nefarious activities and that it could take up to 30 days for a response are completely unacceptable responses when a fraud is ongoing. It is fairly obvious that Telechex has outgrown its perceived responsibilities to its customers when all my complaints yield is a perfunctory letter delivered by the mailman. It is a further disgrace that the only action I have been able to take has come from assistance in the XXXX call center of Telechex from someone who helped despite this not being their job.

I respectfully request a phone call from a domestic manager at Telechex to explain why their customer service experience and fraud mitigation services are so understaffed that they cant respond immediately in cases of fraud. Furthermore, it would be nice to also know why the rest of the world has embraced email and phone calls as acceptable and immediate forms of communication yet Telechex still uses the USPS to act on items that require immediate attention.