davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (DE)

On XX/XX/XXXX XXXX XXXX refunded me to my chime account. 
XX/XX/XXXX Chime Received the refund XX/XX/XXXX Called chime to figure out how long it would take them to refund my account. Was told 5 business days. 
XX/XX/XXXX Called chime again and was given a support ticket and was told someone would call me within 2 hours. 7 hours later and several managers/supervisors, I noticed a change on my account statement. It says on the 19th, I overdrafted {$85.00}. I informed them that it was impossible because I can only overdraft {$55.00}. They changed the balance on the report to keep my refund. 
XX/XX/XXXX Another support ticket was created, still NO response about it. 
XX/XX/XXXX On the phone again trying to figure it out, cant get a single person willing to help me, Chime stole my money and altered my statement. They refuse to acknowledge their mistakes. I still dont have my refund. Cant get anyone in the United States, and the same repetitive responses that are simply incorrect. I want my money.
Consumer complaint received 2022-05-13
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. (MI)

Hi I am submitting this XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MA)

Hello, I refinanced with PHH Mortgage Services Corporation, XXXX XXXX, XXXX in XXXXXXXX XXXX 
At that time, they had told me that my " silent second mortgage '' would be paid off w/said re-finance. 
I went to obtain a home equity loan from my credit union and they were the ones who alerted me to the fact that that " silent second mortgage '' was never discharged. 

PHH is now telling me that I owe HUD XXXX XXXX  - which I was NEVER advised of. Not by PHH, not by the closing Attorney. 
There is NOTHING in my closing documents that indicate this. I would NEVER have re-financed had I known this .... 
I had told the bank all along that the purpose of the re-finance was to do some house repairs- which we did. 
They never told us that we first needed to pay a HUD loan. Also, PHH made us pay off a Home Equity Loan, a loan we had on a hot tub ... XXXXWhy wouldn't they have told us that we needed to pay off the HUD Loan? Because they were being deceitful and not telling me. 
I FEEL LIKE I HAVE BEEN SCAMMED BY PHH AND NEED ASSISTANCE ...... 

Have filed a complaint with the XXXX as well. I have all of my emails and loan documents if you need copies ..... 

CAN YOU PLEASE ASSIST BEFORE I NEED TO HIRE AN ATTORNEY? I will be seeking DAMAGES as well if I hire an Attorney becuase this is holding up my home equity loan - and rates are increasing ..... 

Thank you so much. 
XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (VA)

I was offered {$150.00} bonus money by Ally XXXX on the condition that I opened an investment account with them by XXXX/XXXX/22 and deposit {$500.00} by XXXX/XXXX/22. The bonus money was supposed to be deposited to the new account by XX/XX//22. 

I followed their instruc t ions but they did not send the bonus money of {$150.00}. I called them on XX/XX/22 to inquire, the representative told me that I was entitled to the money bonus, but not sure why I hadn't received it. He gave me a case number. 

I've attached three emails from Ally XXXX. One email shows the original offer they gave me, another email shows that I had opened my account. Another email shows a case number with them regarding my complaint.
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (PA)

I make my monthly payments of {$180.00} in advance of the due date starting on XX/XX/XXXX. I have sent them 7 payments. I received an email stating my XX/XX/XXXX was late. I confirmed they have received 7monthly payments, but 2 payments were applied in XX/XX/XXXX. Ally Financial states they can not adjust the prepaid payment to credit XX/XX/XXXX. I have to send another payment. 

This is the most absurd policy I have heard. Penalize someone for paying in advance?
Consumer complaint received 2018-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

Used PayPal to transfer money and was advised that there was a cancellation policy. The policy is purposely misleading. There is no cancellation policy at all. Not only is there not a cancellation policy but the refund policy is extensive and takes 90 days. 

I was advised to have my bank do a reversal and my bank stated that there is no such thing as a reversal. I called back after speaking with the bank and the supervisor ( XXXX ) was rude and dismissive and hung up the phone. I called back and placed on hold for an indefinite amount of time. 

Preying on consumers and purposely holding onto their funds extended periods of time.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IA)

In the 2nd time in less then a month Chimes network has gone down leaving me and countless others without access to our money. The first time it happened I was getting groceries and had to put them all back. This time I couldn't make it to work because I was low on gas and couldn't put any in because my card wouldn't work costing me a full days wages. When someone puts their money in a bank they should be able to trust that they can access that money whenever they need it. The fact that Chime 's network went down once is bad enough but for it to happen twice within the span of a month is just unacceptable. Something needs to be done about it.
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NY)

Hi, I'm trying to close my Escrow account since the mortgage bank BSI financial is indeed very screwed up and didn't include the school tax payment on the 2021 year, I paid it up and now have a XXXX balance on my escrow but they won't close it for no reason, since I never missed a single payment and paid up my escrow balance I would like to pay directly to the town, village, etc. They approved my fresh appraisal, which reduced my XXXX to less than XXXX  %, yet they refused to close my escrow account. 


They have been really tough to deal with since the beginning.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

XXXX XXXX is failing or refusing to complete action on my employer certification for Public Service Loan Forgiveness. When I transferred by loan to XXXX last autumn I had completed 109 qualifying monthly payments under the Public Service Loan Forgiveness ( PSLF ) program through XX/XX/XXXX. When my loan completed its transfer from my prior lender to XXXX in XX/XX/XXXX, after several months of administratively setting up and transferring the file, XXXX 's loan detail for my account showed only 62 qualifying months under PSLF. I had the same job with the same XXXX XXXX employer for the entire 109 months that were reported by my employer. I contacted XXXX  by phone. They said that they have 120 days according to their own deadlines to count my qualifying payments. I was told that I was not being denied any credit for qualifying months but that they just hadn't finished counting. Since that time I have called almost monthly to check on the status of the counting of my qualifying months. I have been told the same thing repeatedly, which is that they can see that I have a total of 109 months, that there is no problem with the 47 months that have not been added to the count, but that they just have not finished. I am now ready to file for forgiveness based on a total of 120 months in qualifying employment but I am stuck until they finish what should be the very simple task of counting my total payments.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

Chime can not fix a problem they have transferring money to an external bank. They have nobody that answers the phone that can fix the problem. They are passing the buck telling me its a problem with my external account. That is not the problem. The problem is they are unable to fix the way they have my account coded in their system.
Consumer complaint received 2022-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

This account was open XX/XX/XXXX I paid the amount I owed for a deletions off my report on XX/XX/XXXX. After that they still reported my account as a collection so I disputed the account on XX/XX/XXXX saying its inaccurate. The response was on XX/XX/XXXX
Consumer complaint received 2022-08-01
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. (NY)

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 have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 


MACYS/DSNB Account number XXXX Account status Closed Date opened XX/XX/2016 2016
Consumer complaint received 2022-05-13
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 XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Please remove these accounts 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 XXXXXXXX  XXXX In accordance with the Fair Credit reporting Act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy These addresses do not belong on my credit report Please delete all inaccurate personal information XXXX XXXX XXXX Former XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX Also Known As XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NE)

On XX/XX/2018 I called m credit card company to complain about 2 {$8.00} charges that appeared on my account that had not been authorized by me. On XX/XX/2018 my credit card responded acknowledging the error and crediting my account for the charges. Everything seems to have been worked out except that on XX/XX/2018, when my payment was due I did not make a payment because # 1 the balance was {$8.00} which was the disputed amount, # 2 the account had been credited for the disputed amounts ( total {$17.00} ) and # 3 there were no other charges on the account during that billing cycle. The credit card company has charged me a late payment fee equal to the balance shown in the statement ( {$8.00} ) event though the charges were reversed and their own policy states that disputed amounts are not subject to interest or penalties if it is determined that the disputed amount was in error. I contacted the credit card company and even though they claim that are going to credit my account for the late fee my account still is marked as being delinquent when there is no balance due.
Consumer complaint received 2018-08-19
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. (IL)

XX/XX/2018 I submitted a letter in regards to an inquiry on my XXXX, Equifax, and XXXX  Credit Report from XXXX XXXX XXXX which I do not recall which the company has a numerous amount of inquiries on each of my Credit Files. I requested a copy of a signed contract bearing my signature which the company has not submitted to me this is harming my credit score. Which is a violation of the FCRA.
Consumer complaint received 2018-08-19
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called Chase and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-06-09
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. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

I was notified by Email that my Citibank credit card account was closed, not to delinquent payments but due to a random Unauthorized credit check they ran ( Citibank ) and because my score was low, they closed the account.. I know I had missed some other credit card payments last month but I was catching them up, by their own admission my last payment to them in XXXX was good! I had to replace a payment that didnt go thru but I never 30 days delinquent. So needless XXXX say I am very upset. I still owe them a balance of {$720.00} but now I will not get the credit for paying them since they closed my account!! Very unfair!!
Consumer complaint received 2022-06-28
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. (GA)

Equifax has violated my rights by VERIFIYING INACCURATE INFORMATION ( see attached document ). 

US Bankruptcy Court is missing the full docket number ( INCOMPLETE ) ; it is reporting as XXXX ( see attached filing ). 
US Bankruptcy Court is missing the state of the bankruptcy ( INCOMPLETE ). 

XXXX is reporting 'actual payment amount ' as {$0.00} ( INCORRECT ). 
XXXX is reporting with 'terms of duration ' is blank ( INCOMPLETE ).
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OH)

I applied for a Citi Double Cash Card on XX/XX/2018. As part of the account opening disclosures, Citi advertised 18 months no interest on balance transfers if you completed the request within 4 months of account opening. I received my new card in the mail and registered for online account access. At that time the offer was available, but I was not ready to take advantage of it. I came back to take advantage of the offer the first week of XX/XX/XXXX and saw it was no longer available. I contacted Citi and they said they would review my account and apply the offer within 5 business days. Instead, I received a letter in the mail indicating they would not be honoring the offer. This seems to be a bait and switch situation in my opinion.
Consumer complaint received 2018-08-19
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: U.S. BANCORP (MA)

I was shocked when I reviewed my credit report and found late payment on the dates. I believe I made required payments, and there must be way too much substantial amount of unnecessary fees. Again, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-12-23
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. (GA)

I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.