davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

Someone stole my card information and made fraudulent purchases from XXXX on my debit card. I have absolutely no knowledge of these purchases. I submitted a dispute for the transcations, a long with proof from XXXX stating this purchases were fraudulent and Chime denied the dispute. My money is not secure with Chime.
Consumer complaint received 2022-08-02
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: CUSTOMERS BANCORP, INC (FL)

I received a credit inquiry report from XXXX. XXXX XXXXXXXXCustomers Bank XXXX XXXX copy of my credit report on XX/XX/2022. I don't know this company nor did I have any business with them or initiate opening an account. I called customer service and they can not find any record of an inquiry in my name. I then spoke to XXXX and they stated that someone likely may have attempted to open an account in another name using my SS number! XXXX strongly suggested that I start this complaint with you.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo repososessed my car with no notice. I had requested XXXX assistance twice for thre month deferments. They claimed to have sent a request form for a third deferment, however I never received such. They never sent it. Each time I would talk to a different customer service representative and they would give me inconsistent information. They repossossed my car and destoyed my credit.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (NV)

First Digital Card is trying to get me to pay for a card I never used. 
I told them it was fraud, I ask for them to send me statements showing the purchases I made using this card. They were unable to show me. 
I am ask for a statement they will not provide a statement. I have never received a statement at my address. I called once they sent me a bill saying I owe the entire amount of the card. It had no purchase information just an amount I owe. XXXXirst Digital performed a fraud check. The reasons they gave were because, the identity information, matches mine, DUH! it is identity theft. they have no records of return mail or statements, because I never received them! A credit card was mailed to my home, So what, I never received it! Telephone calls were made from my phone but not when? I called asking about the status of my fraud case, that is all. they said i activated the card from my number? which number... so me the records. This is not my card. i would have loved to get the card because i need the money, but i will not pay for something i never received!
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

XX/XX/XXXX entered into forbearance plan with XXXX XXXX XXXX XXXX  thru XXXX so 180 days prior to this date i should not have any late payments per the forbearance plan. 

XX/XX/XXXX wire transferred {$2800.00} XXXX XXXX XXXX sent us the wrong wire instructions and lost the money and took 12 months to finally locate the funds and credit our account. So anything after XX/XX/XXXX should not be late payments. We called numerous times to get this resolved. Spoke with XXXX XXXX during this entire year
Consumer complaint received 2022-10-22
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. (OH)

I'm am reporting how a bogus account was setup on Chase 's secure website. Although bogus Chase did nothing to assist me or willing to accommodate. 
On XX/XX/XXXX I had paid a bill through bill pay. I have been using bill pay for years. I had chose to pay XXXX XXXX 's XXXX for {$250.00}, to be delivered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get my account information at that time I was told they had not received a payment. I had called Chase I was told by the agent that a payment for {$250.00} went to XXXX XXXX XXXX XXXX  Informed the agent I don't have an account at XXXX XXXX I was told that I would have to investigate to find out who XXXX XXXX XXXX was. 'When questioned about the payment I had told the agent I did make a payment for {$250.00} to XXXX XXXX XXXX, it was then confirmed that the payment went to XXXXXXXX XXXX XXXX XXXX I had question the agent of how did XXXX XXXX XXXX XXXX appear on my bill pay, considering I did not set this up and it suddenly this bogus account is connected to my account. 
My chase account as of XX/XX/XXXX showed a pay bill payee name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; Phone number XXXX ; Account XXXX ; Pay-from account Main Account ( ... XXXX ) ; See on Schedule payment screen yes. XXXX XXXX XXXX Called back was told that I would have to investigate myself all through I got this information from by payee Chase account. I had called the phone number XXXX I had found this was a bogus account. I had copied all the transactions. Called Chase back the XXXX XXXX Credit Card payee account was gone from my account. I had reported the XXXX XXXX Credit Card was fraudulent. They had update my account with {$250.00} until they investigated my case. 
Received a letter from Chase XXXX XXXX per Chase I they found my claim was authorized, they removed the {$250.00} on or after XX/XX/XXXX. 
While Chase was investigating I had received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX named to XXXX XXXX XXXX, expressing that my account number is no longer valid. They credited my payment to the correct account. Called XXXX XXXX XXXX it was determined that a account under the name XXXX XXXX XXXX was opened XX/XX/XXXX and closed XX/XX/XXXX. They found {$250.00} sitting in the closed account. Per the agent they would sent me the money within 5 business days. 
I had called Chase XX/XX/XXXX to report my findings was told thank you.
Consumer complaint received 2022-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (MI)

on XX/XX/22 I attempted to open my Chime app and was greeted with " Account suspended for suspicious activity '' XXXX XXXX XXXX XXXX'. i emailed the review email and got no response. I then called the support number over the next few days and talked with multiple supervisors saying that they are unable to do anything or unable to contact the department that reviews my account. they told me to email XXXX with documentation which I did and waited for about a week. I have around XXXX XXXX  in the account that I transferred from my XXXX XXXX XXXX account. I need this money for bills, gas, and food. I have gotten no update or anything back from them. this is ridiculous, shouldn't take this long when support said it would only be 1-2 days.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

Citi Card reported activity on the credit card for the months of XXXX and XXXX with XXXX. However they did not report the activity during the months of XXXX and XXXX to XXXX. Because of this there are 2 months that are missing from my usage total
Consumer complaint received 2023-01-27
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

I received my Chase debit card and I was trying to activate it. When activating it their system asked for my pin number. Because the account was not activated I do not have a pin number. Therefore I could not activate it. 
I called Chase customer service and stated the situation. The customer service transferred me to a system that requires my pin number which was not helpful at all. 
I then tried to activate it online on chase.com, only to be told my card was already activated. 
So my debit card is activated without my permission and have a pin number I do not even know/ did not even set up.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

On XX/XX/2022, I mailed check number XXXX in the amount of {$3100.00} as payment to one of my vendors. Check number XXXX was stolen from a USPS mail box. On XX/XX/2022 I discovered check number XXXX had been cashed by a person of the name XXXX XXXX instead of my vendor XXXX XXXX XXXX. I immediately called US Bank and got in touch with the fraud department. Since then I have received three letters asking for the same information in regards to what happened. The first letter I responded to from US Bank was on XX/XX/2022. The second letter I responded to XX/XX/2022. The third letter I responded to XX/XX/2022. Each time I filled out the requested paperwork and emailed it back to US Bank. Nothing has happened since.
Consumer complaint received 2023-01-27
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (NY)

I called to ask for a temporary deferment as i am struggling financially. My husband is injured and only receiving partial salary which has put the obligations on me that we usually split. I asked for temporary help as he should be returning in two months or so to full time and we will be OK. I spoke to an agent who kept telling me i had no options because my account was current and the only thing i could do if i wanted help was let me account go delinquent. I knew that could not be right so i asked for a supervisor. i then got XXXX XXXX, who treated me like a degenerate, embarrassing me for even asking for this temporary assistance. Initially, he confirmed what the representative had said i could apply for a deferment once my account wad delinquent. i explained i was calling now, XX/XX/XXXX because my next payment is XXXX. XXXX and i pay half the first two weeks of the month and half in the end of the month. If i waited passed XX/XX/XXXX and the deferment was rejected, i would owe the entire amount and be in a worse financial position. also explained in my condition i did not want that kind of stress and may be unable to call in at that time. He made terrible comments to me like " you knew these payment would be owed when you got XXXX '' and " your responsible for 48 months not your husband '' talking down to me making me feel worse about a situation thats already embarrassing. i KNOW my obligations and always pay my bills and called in timely to make sure to take care of this in advance. it is unconscionable that i would have to let my account be delinquent to get any assistance as if i am punished for paying timely and upholding my obligations. I am also disgusted with the way XXXX XXXX spoke to me and he needs to be in additional training and perhaps remember customer service involves human beings. The things he said and the derogatory comments which i recorded to a good customer and XXXX woman were UNACCEPTABLE. no one should ever be treated that way.
Consumer complaint received 2022-08-24
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. (CA)

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts 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 any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts 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 or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (NC)

I have no idea how, but I have {$960.00} worth of debt from XXXX XXXX XXXX. I havent been to XXXX XXXX XXXX since I was born. I live an hour+ from there so I have no idea how I have a debt from this place.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (LA)

I am a XXXX XXXX XXXX  at the XXXX XXXX unit at XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX. This complaint is in reference to my client, XXXX XXXX, who has a mortgage currently serviced by Fay Servicing. 

Borrower : XXXX XXXX XXXX : XXXX Subject Property : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX 
Loan # : XXXX Servicer : Fay Servicing XXXX XXXX went into default in XXXX of XXXX and as of XX/XX/XXXX owed approximately {$4200.00} to reinstate. My organization is operating a program to reinstate eligible homeowners in foreclosure through Community Development Block Grant funds provided by the CARES Act and distributed through the City of XXXX XXXX. 

We determined XXXX XXXX to be eligible for program benefits and sent {$4100.00} to Fay Servicing on XX/XX/XXXX by wire on her behalf, to cover the six months of default from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX stated that she could and would continue repayment from XX/XX/XXXX onward. I received written confirmation on XX/XX/XXXX that our wire was received and applied to XXXX XXXX 's account but that it fell short of the XXXX payment she had agreed to pay by {$170.00}. 

XXXX XXXX attempted to pay this amount over the phone by ACH debit directly from her checking account by providing the Fay Servicing representative the routing/transit number and account number off of a check. Instead of debiting my client the {$170.00} she owed, they debited her account the full {$4300.00}, as if they hadn't already received and acknowledged the {$4100.00} payment from us. This caused her bank to return it as not sufficient funds. Fay subsequently charged XXXX XXXX an NSF fee of {$10.00}, on top of the fees her back levied against her for the NSF charge. 

Fay assigned a single point of contact to XXXX XXXX, one XXXX XXXX, who was extremely difficult to reach. I tried calling at least 5 times over the course of XXXX and XX/XX/XXXX. When I did reach her, she claimed to have been trying to reach me. My client experienced the same difficulty in communication followed by recriminations of XXXX XXXX trying to get in touch with XXXX XXXX. XXXX XXXX was rude to me when we did finally speak and hung up on my client when she was confronted with the mistake regarding the ACH debit overcharge.
Consumer complaint received 2022-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

I was the victim of an elaborate bitcoin investment scam. The fraudulent company is XXXX XXXX XXXX. I will attach a detailed letter about the scam and what happened. I first contacted my bank, XXXXXXXX XXXX, to report the fraud on XX/XX/XXXX but they ignored my email. I have sent multiple letters to their fraud department email and every single one of them went ignored. I emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called to report the fraud on XX/XX/2022 and they said that they could not help me. I sent a letter in the mail to their corporate office in Minnesota on XX/XX/XXXX as well and I never received a letter back from them. They should have been aware of the fraudulent activity that was happening on my account and that I was scammed out of {$19000.00} in less than a year. They have failed to protect me as a customer by not seeing and stopping the unusual activity that was happening on my account.
Consumer complaint received 2021-08-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/21 and XX/XX/21 I submitted a letter on inaccurate and unknown things on my credit report. over 60 days have passed and i have not received a response. I feel my disputes are being ignored and i am being taken advantage of. In Section 611-a it plainly states that a failure to investigate these items within 30 days gives a reason to have them removed immediately from my credit report. It has been over 60 days so they should be removed immediately. I demand these accounts be removed at once or I will file litigation due to stress and suffering. My information has been impacted by the Equifax, XXXX XXXX and XXXX data breaches and may have got into the hands of the wrong people.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (WV)

XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$20.00} A dispute was filed on XX/XX/XXXX for the transactions above. These are all XXXX XXXX. I was told that it is still under investigation, but they do not have to provide a provisional credit after 10 business days. 


( i ) Is received by the institution no later than 60 days after the institution sends the periodic statement or provides the passbook documentation, required by 1005.9, on which the alleged error is first reflected ; ( ii ) Enables the institution to identify the consumer 's name and account number; and ( iii ) Indicates why the consumer believes an error exists and includes to the extent possible the type, date, and amount of the error, except for requests described in paragraph ( a ) ( 1 ) ( vii ) of this section. 

( 2 ) Written confirmation. A financial institution may require the consumer to give written confirmation of an error within 10 business days of an oral notice. An institution that requires written confirmation shall inform the consumer of the requirement and provide the address where confirmation must be sent when the consumer gives the oral notification.
Consumer complaint received 2023-01-27
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-08-24
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. (NY)

my credit profile that is on this consumer credit report still contains misrepresentations, after numerous attempts at asking them cordially to correct my consumer credit report information. 
I also ask that all inquiries be deleted from my credit report as it is proof of a consumer privacy violation, be removed from my report. 
there is an collections account that just made its way on to my consumer credit ( my reputation ) and it is damaging my livilihood. I have been denied credit already because of the fraudulent negative information on my Equifax consumer credit report. 
Equifax has also infringed on my right to consumer privacy by publishing information that it has sourced from other sources and graded me on the things they have found. 

the collection account on my Equifax report goes by the name of XXXX XXXX XXXX, apparently there is a open balance of XXXX, which is another violation of my consumer privacy. pursuant to the United States Code.

I have sent 4 letters to Equifax this is the final letter that I am sending. Should the corporation not understand that is has willingingly and knowingly violated my rights and compensate me accordingly I will have to make the attorney gen
eral aware of their fraudulent practices and help them pursue criminal liability pursuant to 15 USC 1611.
Consumer complaint received 2023-01-27
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.