davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (SD)

I am writing to formally lodge a complaint regarding the significant and ongoing issues I have faced with my XXXX Credit Card issued by Barclays Bank. Since obtaining this card, I have encountered persistent problems that have caused me substantial inconvenience, financial disruption, and emotional hardship. Despite multiple attempts to resolve these matters directly with Barclays Bank, the issues remain unresolved. I am now seeking your intervention to ensure that Barclays is held accountable for their unfair practices. 

1. Repeated Requests for Name Change Documentation Upon receiving my XXXX Credit Card, I promptly submitted the required documentation to update my name on the account. Barclays Bank instructed me to submit the documentation via fax, which I found to be an unnecessarily outdated and burdensome process, especially given the availability of more modern, accessible, and secure options. Nevertheless, I complied and submitted the documentation as requested. 

Despite this, Barclays Bank has repeatedly requested the same name change documentation, causing undue frustration and confusion. Each time I have complied in good faith, but the banks apparent failure to properly process or record my information has forced me to repeat a process that should have been resolved at the outset. This conduct is both unfair and unreasonable, as I have done everything required of me as a customer. 

2. Unjustified Account Lockouts and Transaction Declines Every time I attempt to use my card, it is immediately locked, requiring me to contact Barclays Banks customer service line. I have been forced to undergo multiple rounds of security verification for fraud prevention despite having notified Barclays Bank at least three separate times that I would be traveling and using my card internationally. I requested that my travel status be noted on the account to prevent these disruptions, but this request was evidently ignored. The security questions are usually the same ( if a fraudster was accessing my account they would have 5x since you guys are using the same exact questions each time, bad fraud practice ).

These lockouts have occurred at critical times when I needed access to my funds, resulting in embarrassment, financial disruption, and unnecessary delays in my daily activities. Barclays failure to properly notate my account or address this ongoing issue has left me with no confidence in the reliability of this credit card. I have now had to use a different credit card to make a purchase on XXXX XXXX  losing out thousands of points I should have gotten and the entire reason I got this credit card in the first place.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

I have a chase checking account with quickpay with XXXX option. Two weeks ago I noticed a two XXXX  with XXXX transaction to a person ( email address ) I do not recognize. 

1 ) Contacted Chase customer service. They opened up a investigation 2 ) A week goes by and Chase customer service blamed XXXX. Told me they can't reverse the {$250.00} and {$650.00} ( 2 transactions ). The reason is after investigating the transaction was authorized by my iphone 11 with face-ID lock. I believe this is a lie because my phone does have Face-ID lock and is by my side at all times. 

Long story short Chase customer service is blaming XXXX. And XXXX customer service is telling me to contact my Chase account representative. Now I am out of {$900.00} in total.
Consumer complaint received 2021-04-27
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. (CA)

I get alerts of inaccurate imformation, through credit monitoring. False claims about poor payment history, false claims of credit card utilization, I've been labeled a high risk!! And none of these things are true I have a very good track record with my creditors, I called my creditors to see if their reporting this imformation, to experian and was told there not! Experian is just putting inaccurate imformation on my credit report as they feel. Updates up to a year late, with updates.
Consumer complaint received 2021-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (FL)

I bought a new car from XXXX XXXX XXXX, XXXX, NY on XX/XX/XXXX. Financing for the loan on the vehicle was set up through TD Auto Finance. Payments were set at {$420.00} per month on the 10th of each month for a total of 75 payments that concluded on XX/XX/XXXX. I signed up for paperless billing and auto deduct from our bank account for payments. Contact was to be through my email account. 
Payments were started on XX/XX/XXXX. Payments were continued until XX/XX/XXXX where 2 payments were made. No payment was taken on XX/XX/XXXX. The next payment was taken on XX/XX/XXXX. Then no payment was taken on XX/XX/XXXX. As of XX/XX/XXXX a late fee of {$21.00} was charged to my account as we were now in arrears by 1 payment. I was unaware that we were now in arrears. Moving forward from that date our payment was taken out on the XXXX of each month except on a Sunday where it was taken out on the 9th. However with our account in arrears by 1 payment, we were charged an amount of {$21.00} each month. 

In early XX/XX/XXXX i logged onto my account, as the contract was concluding in XX/XX/XXXX, to find that whilst i had paid every payment except that payment on XX/XX/XXXX, i had been charged {$21.00} each month for the lack of that 1 payment. This had now accumulated to an amount of {$1300.00}. At no point in the 5 years and 2 months that my account had been in arrears had TD Auto finance contacted me to point out that i had an outstanding amount on my account and to ask how i was going to fix it either by email or regular mail. I have credit cards, have had personal loans and other financing options. If i have ever been behind the company has promptly contacted me to advise that an amount was outstanding and how i was to correct the imbalance. 

After discussing the issue with my wife we paid the outstanding fines which had now grown to {$1300.00} and the outstanding payment of {$420.00} on XX/XX/XXXX. 

I feel that TD Auto Finance intentionally did not contact me to allow the penalty to continue growing over the 5 years. If they had contacted me i would have paid of the outstanding amount. I fail to understand how it is ethical for a finance company to allow this to happen. If i did not make a credit card payment for 5 years i am sure i would have heard something much sooner. 

Furthermore on XX/XX/XXXX we paid the final three payments of {$1200.00}, for XXXX, XXXX and XXXX of XXXX. On XX/XX/XXXX we received a paper statement with an outstanding balance of {$89.00}. When i called on XX/XX/XXXX i was not able to get any reason of why this amount was due, even though i had paid all 75 payments of {$420.00} and paid all of the {$1300.00} in penalties. After speaking with a supervisor this amount was waived.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I received a push notification from Chase, regarding a check they had identified as fraud in the amount of {$8000.00}. I immediately responded letting them know the item was fraud, basically confirming what their system had already identified. 

Chase paid this check, even though the payee and make signatures were an obvious mis match, and even after their internal system had clearly identified the check as fraudulent. 

I did make a claim to recover these funds, but the representative told me that if Chase doesn't recover the funds from the bank that cashed the check, Chase won't return the {$8.00}, XXXX back to my account. Nonsensical, because Chase FUNDED the check when it was FRAUDULENT. 

Unacceptable, as I am a long-time customer and my children also have accounts. This is not how any customer should be treated.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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. My legal rights have been violated. I
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But XXXX and XXXX are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from Lexis Nexis either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from Lexis Nexis. I want them to send the removal notice to XXXX and XXXX to delete these items. 

XXXX has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SUNTRUST BANKS, INC. (GA)

Hello, I just learned from SunTrust customer service that they charge daily interest on overdraft amounts from deposit accounts and make it very difficult -- intentionally obviously -- to pay the amounts back so the usurious fees may continue being charged into perpetuity if all goes to the business plan. There is no way to pay the overdraft amount back without paying the entire balance of the credit card! This is predatory and just a way to generate unfair interest charges by making it very difficult to pay back the debt. I think the disclosure is also inadequate or unclear to consumers. 

See the link here to the FAQ on how to set up a credit card overdraft feature. There is NO DISCLOSURE of the 26.99 % rate or the most important fact that it can not be paid back short of paying off the full balance of the card unrelated to any overdraft balance. 

https : XXXX Can you help to require SunTrust to provide a way to pay ONLY the amount overdrafted and to stop the usury interest charges. I would note the bank will say they " have no way '' to divide the balance for payment, while at the same time they charge much higher interest for the separate balance! 

These fees were most recently charged XX/XX/2019 to my personal credit card with SunTrust. The account is in my name. 

Thank you for your attention to my concern. 

Regards
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VT)

In XX/XX/XXXX I received my credit card bill from Citibank and listed among the charges was this : XX/XX/XXXX XXXX XXXX XXXX FL {$470.00}. 

I did not recognize this charge and I called the above phone number and discovered it was XXXX XXXX XXXX. I had not bought tickets to XXXX and I complained to Citicards in writing. I stated I was XXXX XXXX XXXX, do not have children or grandchildren and would never buy tickets to XXXX. They said they would investigate. 

I just realized today ( XX/XX/XXXX ) that in my XX/XX/XXXX credit card statement, they reinstated the {$470.00} charge. Unfortunately I did not realize this. In the Account Message on the back, they said the credit was reversed " since it was determined to be a valid charge ''. 

I strongly dispute this! Why did they think it was valid? Because someone signed my name on a credit card receipt? I did not purchase this, so no way is it valid! 

Please let them know I am not accepting this. It is unfortunate I did not pick up on this till today, but that does not change the fact that someone robbed me of {$470.00} and Citi is complicit in this action.
Consumer complaint received 2020-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc. (MD)

XXXX XXXX reported a debt of {$160.00} to XXXX. I called to inquire, and the receptionist stated she did not see anything in her records because I have not been there since XX/XX/2017. I called the collection agency, RA Rogers, and spoke with Ms. XXXX ( xXXXX ). She gave me account # XXXX, and asked me to call XXXX and get confirmation that the debt is not valid. When I called XXXX back, I spoke with XXXX. She said the debt was so old, it was no longer in the system. However, it appeared I owed a debt of {$160.00}, which was the balance after insurance paid. I paid the debt right away. On XX/XX/XXXX, XXXX XXXX emailed the receipts with full balance paid. I provided these receipts to RA Rogers and asked them to update the credit report. On XX/XX/XXXX, I filed a dispute with XXXX. Despite providing objective evidence, RA Rogers verified to XXXX  the balance ( {$160.00} ) is unpaid. As such, the derogatory information remains on my credit report.
Consumer complaint received 2021-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/XXXX I sent a letter to TransUnion to request validation of a Bankruptcy listed on my credit report. On XX/XX/XXXX TransUnion sent me a letter with their investigation results. It stated that the item was verified as accurate. On XX/XX/XXXX I sent a letter again to TransUnion stated that I asked them to validate the alleged Bankruptcy they are reporting and the Bankruptcy was verified by the courts. I went directly to the courthouse and they claimed they never verified the bankruptcy and I enclosed a letter from the US Bankruptcy Court of Minnesota. I asked for this item to be deleted off my credit report as it is NOT validated. On XX/XX/XXXX I received a letter from TransUnion stating again the Bankruptcy was verified. Then again on XX/XX/XXXX I received a letter from TransUnion stating that their records show the investigation was complete and they are not required to reinvestigate the same item again at this time and that if I have any additional information I can upload it and they will complete a reinvestigation. I have provided to TransUnion a copy of each letter I have sent and the letter from the US Bankruptcy Court of Minnesota as well as their own documents they have sent me with no resolution. I called TransUnion today XX/XX/XXXX to discuss this account and went through my request letter by letter and asked for this information to be removed from my credit report as they have not properly validating this account. I was told they did not have to provide the 3rd party agency if they used one as a part of the validation or verification, she stated that they probe for the information and report it to consumers credit reports. She stated she could no longer assist as the information is correct.
Consumer complaint received 2021-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XX/XX/2021 I sent a letter to each of the credit bureaus, XXXX, Equifax, and XXXX regarding inaccurate and unknown items on my credit report. As of this date, I have not received a response yet. I believe that I am being taken advantage of and ignored regarding my disputes. In Section 611 ( a ) it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been almost 60 days, XXXX days exactly. Therefore, the items should be deleted promptly. I demand these items and/or accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (PA)

OnXX/XX/XXXX1 I entered into a fraudulent investment Contract, with XXXX XXXX XXXX sending money to XXXX  XXXX XXXX, sat at the closing table and nothing was disclosed to me pursuant to ( CFR-42 ) about my rights, documents were removed out of the closing documents such as the disclaimer for the credit application, forms from the appendix ( H ) H-8, H-9. Im being held liable on a contract that To which Im not a party, ( The pooling servicing agreement contract ) and under the STATUTE OF FRAUDS UCC 2201. The investment contract/Mortgage Loan was for {$110000.00} at the time. I mailed a demand to M & T Bank I have Rescind this investment contract/mortgage loan transaction on XX/XX/XXXX and was received on XX/XX/XXXX. Do to the abundance of FRAUD i found. I also have the Indorsed note/securities that is indorsed to me.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (VA)

They also closed my account without me knowing back in XXXX of 2019 even though I was up to date on my payments. My bill in XXXX of 2019 of {$35.00} dollars did not go through when it was on auto bill. I reached out to the company they said they saw the payment tried to come out but it was rejected. I was never notified that it was rejected. I now cant apartment and the company will not help me with the unfair situation
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Deposit of {$3500.00} for my blood son Account froze learned on XX/XX/XXXX by trying to withdraw funds Contacted fraud department explained son had no ID due to a revocation on permit Was told I could go into branch and get my available money by teller but had to bring my son with birth certificate and any form of id that showed birthdate such as social school id insurance card XX/XX/XXXX went into branch and learned needed XXXX  id only acceptable form and could not retrieve my money in account until restriction is lifted
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.
Consumer complaint received 2019-10-23
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. (MA)

I AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM XXXX AND XXXX   WENT AHEAD AND REPAIRED IT ON THEIR SIDE. EQUIFAX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. EQUIFAX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.
Consumer complaint received 2021-09-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My rights are continuously being violated under Title 15 USC section 1681 and USC section 1692 of the fair credit reporting act. Consumer has made multiple attempts disputing with Equifax that I am a victim of identity theft and do not recognize charges listed in my FTC identity theft report.I have filed complaints thru CFPB on XX/XX/2021, XX/XX/2021, and XX/XX/2021 and Equifax would provide NO proof of debt but claim debt was verified. The law ensure accuracy, fairness and privacy and all my rights under this statute are being violated. A Federal Lawsuit will be brought against Equifax for failure to comply with FCRA regulations if these items are not removed from my credit reporting file.