davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (DE)

As of XX/XX/XXXX I attempted to log into my mobile app through Chime Bank. It alerted me that the account was closed and to contact XXXX. Which I then called because was very concerned knowing I had well over $ XXXX in my account time of closing. It prompted me that " my account was closed and only can communicate via email '' I then sent an email to the support team numerous times. 

They then asked me to verify my identity, I then had to show proof of ID and Social Security Card. Which I provided ID, Social Security Card, Birth Certificate, and most recent W-2 from my current job. To potentially expedite and reopen my account. 

On XX/XX/XXXX at XXXX I received an email stating I have until XX/XX/XXXX to remove all funds from my account. Knowing banks close at XXXX I was not able to get to a bank so I transferred all funds to my other link bank account which is XXXX XXXX XXXX XXXX. The next day I called Chime and they assured me funds takes a few days to process into another account. I waited a total of 5 business days. Called from a landline ( since they blocked my number from accepting live representatives ) The representative XXXX explained that the account was closed on XX/XX/XXXX at XXXX XXXX and they were unable to successfully transfer the funds to XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received an email stating they made determination that they will not be issuing a check with remaining amount of funds that was in my account ( they have yet to disclose reason ). 

On XX/XX/XXXX I called Chime on another landline. The representative gave me confirmation that they would have to wait 10 business days from date that account was closed. He expressed give it 2 days and by XX/XX/XXXX I will be receiving my check with remaining balance on it. 

On XX/XX/XXXX I called yet again on another landline spoke with a representative briefly and automatically sent me straight to a supervisor. The supervisor then said they have not sent the check out. I explained I need answers since I have not had access to my money since XX/XX/XXXX. He expressed he " submitted an escalated ticket and I should be hearing something within the next few days ''. 

I've had a lot of patience and I'm at my end, I need help to get my funds back.
Consumer complaint received 2015-04-22
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I fell behind in my Credit cards payments as a result of medical issues that have caused issues in with my budget. I was contacted by Bank of American and agreed to a payment plan in XX/XX/XXXX. I was told by the Bank representative that if I made three months worth of payments that my account would re-age and I would be able to return to regular payments however I would be charge a late fee as a result of my payment still being behind for the next three months and my account would reported as late to the credit bureau. I was also told to call each month after the agreed payment was made. Since XX/XX/XXXX I have made the payments each month and called each month since only to be told SOMETHING DIFFERENT each time by representatives from Bank of American. It is almost XX/XX/XXXX and still my account is being charged a {$35.00} late fee and my account is still being recorded as late and that is being reflected on my credit.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

There are several items on my credit file that exceed or reporting inaccurately. 

# 1XXXX XXXX XXXX  paid in full is not a charge off should not be reporting delinquent history. # 2 XXXX XXXX this account exceed the 7-year statue reported. # XXXX XXXX XXXX this account was paid in full was. Please remove the inaccurate delinquent history. XX/XX/2015 through XX/XX/2015. # 4 XXXX   Paid in full and I have the letter stating paid as agreed.
Consumer complaint received 2022-11-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Americas Car-Mart, Inc. (TX)

Carmart is reporting to my credit report after XXXX of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. carmart is violating my rights XXXX XXXX XXXX XXXX ( d ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX and XXXX XXXX. XXXX, XXXX. Also violating state laws XXXX XXXXXXXX of the XXXX XXXX XXXX prohibits a XXXX-party debt collector or credit bureau XXXX XXXX in debt collection in XXXX unless XXXX XXXX debt collector or credit bureau has obtained XXXX XXXXXXXX XXXX and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX 
THey claim they can not find my account however after they sent the latter they updated my credit profile.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I 'm still in school, getting ready to do my internship. I have tried my best to find a job but their is no jobs out here.My father was on his job for 19 yrs and the company downsize his department and he was let go.So he 's not working and ca n't find work just imagine my dad at age XXXX years old he has lost his house and everything he owns.He was going to help with loan.Soon as I finish school I will start making payments. I told Navient that I even ask can I get deferment or an forbearance but they told me no. I 'm getting harassing phone calls on a daily basis from morning until XXXX XXXX to XXXX times all evening.
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Sunday XXXX XXXX 2016 about XXXX XXXX I called Capital One in reference to another debt card for my son since his expires the end of the month. I understand it 's not my account but my son has a XXXX in which he can not read and it is difficult to read numbers. So as soon as the customer service representative answered the call my son told him his name and gave me permission to speak on his account. I tried to explain my sons XXXX but the representative was not helping. He was belittling me and my son. My son was not able to read his social security number without my help. The agent would not transfer me to a supervisor he said no supervisor was working and I would have to call back on Monday. The representatives was actually yelling at me and my son. He said his name was XXXX. My son was reminding in the worst way of being special needs! I called back 10 minutes later and ask for a manager or supervisor the young lady was very helpful because the supervisor was on another line. I finally just spoke with that young lady ( customer service representative ) and was put on hold for the supervisor after we finish checking on another card. When the supervisor pick up the phone of course the call disconnected.
Consumer complaint received 2021-01-04
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: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX I called Ally financial in regards to a hard inquiry that was placed on my account XX/XX/XXXX, where I was never aware of this unauthorized and did not give this company no consent to run my consumer credit and I did not do this..I spoke with a representative on the phone qhere they opened a dispute and gave me a confirmation # XXXX .I truly feel like this is a violation of my privacy right ..the company ally financial inc responded with a letter stating '' they basically are unable to locate information about me '' ..
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

In the month of XXXX & XX/XX/2021, I sent letter to all three agency XXXX, XXXX and Equifax disputing accounts eastern account system for the amount of {$100.00} and XXXX acct # XXXX, XXXX XXXX {$29000.00}, XXXX XXXX {$230.00}. I stated that these accounts are inaccurate, not my accounts and I did not give permission for these accounts to be reported on my credit report. which this is a violation of the FCRA. XXXX removed all accounts listed above. this is unauthorized uses of credit report. How this information is this verified or accurate if its only one creditor.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bliksum, LLC (WI)

LoanMe/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$10000.00}. 
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The Circuit Court of XXXX XXXX, State of Wisconsin. 
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. 
This creditor continues to report to all three of the credit bureaus negative information. 
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. 
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor.
Consumer complaint received 2022-10-10
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. (NC)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XX/XX/2018 I wrote a Validation Letter to XXXX XXXX and sent the letter via email to XXXX, and XXXX requesting additional information about a medial debt. More specifically I requested which doctor, or facility I was seen at, and an original bill or detailed statement of procedure preformed. One day later, XXXX sent me a letter with the same information that I already had but XXXX still couldn't tell me where I was seen, or what medical service was preformed. I am currently writing XXXX an email that references XXXX Circuit Court of Appeals, XXXX v. XXXX, to give them an example of how the court gives the interpretation of verification.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MN)

In regards to a complaint with Ally Financial and the case being closed because the replied is at it seems. The first complaint was never responded with proof by mail or thru the CFPB. A request for accounting per GAAP regulations, which a consumer is completely entitled to. Ally representative sent a copy of a document which does not qualify as accounting is not proper verification. Upon looking and reading over the Contract, Ally Financials name was not placed anywhere on the document. Also while looking at the document there was no reference to Ally Financial placing a signature on this document. In the response all of the documents were not attached, missing was the Recission of signature document, all of the instruments that were sent to to Ally a the responses stating they do not accept payment in that form. 
Attached is a file claiming the account shows a Charge Off status. This has been done without any authentic real proof of claim. Four notarized Authentic documents sent to Ally by Consumer with no valid response. It is difficult to do any transaction or contract when there are two completely different entities involved. Ally Financial being a legal entitiy, a corporation in a different juristiction registered with government agencies. and other corporate entities. This being a natural person, physical person, with proof of being born in a juristiction not like the corporation.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with XXXX Equifax and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Equifax is the only XXXX of the XXXX that gave me any issues. Equifax recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Equifax 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. I have attached a letter from XXXX detailing my identity theft which includes a number for Equifax to call should they have any questions as well as photo ID and proof of residency. The inquiries are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies 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 Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX All Banks 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 Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Mail Order Firms XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (VA)

Shellpoint Mortgage sold my mortgage on XX/XX/2017 to XXXX but DID NOT notify me. I found out my mortgage had been sold when I received a statement from XXXX on XX/XX/2017 stating that I was my XX/XX/XXXX mortgage payment was late. Shellpoint accepted my XX/XX/XXXX mortgage payment on XX/XX/2017 and as of today, XX/XX/2017 HAS NOT forwarded that payment to XXXX.
Consumer complaint received 2020-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I checked my credit report and found that this company Transworld systems input a collection on my credit that was unknown to me. After sending a VOD to this company they sent me something stating it was a statement from the company XXXX XXXX XXXX. I reached out to the company to ask why and what was this debt that they were trying to collect on being that I did not owe a debt to them. I rented an instrument for my XXXX  during the school year of 2018 and it was returned with no problems and no balance due. The rep said she didn't know anything and wanted me to call the collection company. I asked why would I need to call a collection company when your company is the one that is trying to collect on a debt that I know nothing about. I asked for the corporate number so I could get the facts of what's going on with this account and why is this just now coming out. She told me that was the corporate number I called and then proceeded to tell me that she was going to hang up the phone because she didn't have anything else to say to me. I told her I need her to make me understand what is this amount they are trying to collect when clearly the instrument was returned and I have a receipt. From there she still did not want to look into this situation. Told me it wasn't her company and I just need to speak with the collection agency. I told her this isn't right but could not get any further with this rep. I have attached the receipt I received from the rep at the store after returning the instrument and I have also attached what this collection agency has sent me saying I owe this amount. That I know I do not owe. The current balance as well as total account balance shows XXXX so how could they possibly try to collect on anything when the amount is XXXX owed?
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am a part of a Class Action Lawsuit with XXXX XXXX which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that XXXX will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with XXXX which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, XXXX, and Experian that pertains to XXXX XXXX.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I opened a checking account at Wells Fargo recently. Currently the bank tells me I have {$2700.00}. in my account. I wanted to do something online on XXXX  XX/XX/22 and I was unable to read my account online. When I called Wells Fargo they informed me there was some kind of " fraud '' going on, however, they refused to tell me the particulars and eventually cancelled my card. I actually was issued two debit cards, but neither one worked. 

I am in assisted living and I will be XXXX in XXXX and naturally I do n't drive. I can't get to the bank and therefore I have NO MONEY. They get irritated when I call, but express no empathy for my situation. It is necessary for me to order my groceries online and without a debit card that is not possible. 

I have called that bank at least 10 times, trying to understand why my debit card is blocked. At first they told me my debit card would work, I just couldn't read my account online. Now they are not even pretending that my card is not blocked. 

Wells Fargo is stealing my money and nobody will do anything about it. Thanking you in advance, XXXX XXXX XXXX XXXX My rent is due and I can't pay it.
Consumer complaint received 2020-12-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

Last week up of the month of XXXX To make a withdrawal ATM machine Chase Bank froze my account I call them. I was told There was unauthorised use of my account. I was asked to identify myself up which I gave that information. The representative of Chase Bank in for me that Theme surance company that I was using was not that may be a scan. I called insurance company confirmed it was not a scam. But they had Made some changes to their identity. In doing so Chase Bank refunded me 3 months instalment on my insurance instead they would post an investigation to look into it. Now Chase Bank wants me to refund that 3 months payment back to them. To me it appears that Chase Bank is scamming me, I am requesting investigation of this. XXXX XXXX versus Chase Bank. I would like to form to be sent to me to file this complaint
Consumer complaint received 2021-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BOA HAS SEN T THE ATTACHED NOTICES REGARDING OUTSTANDING FEES PERTAINING A LOCK BOX. I HAD A LOCKBOX BETWEEN XXXX TO XXXX. I CLOSED THE BOX AND SUBMITTED THE KEYS, IF I CAN RECALL I CLOSED THE ACCOUNT AT THE XXXX XXXX GEORGIA BRANCH OR THE XXXX XXXX BRANCH, KEYS WERE SUBMITTED, I DO NOT OWE THE ATTACHED PAYMENT AND WILL NOT BE RESPONSIBLE FOR THE FEES ATTACHED, .THIS BETTER NOT BE PLACED ON MY CREDIT BUREAU ALSO, IT ; S BAD ENOUGH BOA FACILITATED A FRADULUENT LOAN ON ONE OF MY HOMES, AND SABOTAGED ME BE LOSING ONE OF MY CHECKS I DEPOSITED.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In 2011, I received a refund from XXXX for unsatisfactory services to my credit card. When the refund was placed back to my account ending in XXXX, Capital One charged me back for the money. I would like the money returned to me, as I won my dispute with XXXX and am entitled to it.
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

The GAP/The synchrony Bank without permission, placed my billing under the billing which means, I DO NOT RECEIVE ANY PAPER STATEMENTS. If I didn't see that one email i would have never of know about a bill that was due because it was never mailed to me. I have been receiving paper statements for over 10 years. 

This is what I wrote to GAP ; XXXX, you don't have a right to change my billing to ebilling without consent. I spoke with a rep at synchrony bank and was informed that the change was made on XX/XX/2020 at XXXX. I never consented to this. I will me filling a complaint with the FTC as NO CONSENT was allowed to change the billing delivery from paper statements to e- billing. This would of caused problems as DO NOT have access to a computer.I 'm requesting for 30 % off promo code for the hassle.