davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (PA)

I've already tried to dispute this false charge and sent proof I had an active account at the time so could not be accurate according to XXXX 's company policy on continued service. Further more a lie was stated in the response as I've never spoken to anyone saying " I never had XXXX '' that was a lie an now harassment and slander!
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I received an e-mail from Synchrony Financial that my payment was past due. I set up my account on auto pay ( their auto pay ) to be timed to pay my account in full before the promo expired. Apparently their system shut it off and when on the phone with a representative today, she did not know why. She immediately refunded all of the interest and fees, and took my last payment to pay in full. When I asked her to ensure I am not reported past due ( I asked 3 times ), she repeatedly told me to file a dispute and call customer service. To me, this is an act of consumer harm under the eyes of the UDAAP act, and I as a consumer am left hanging with no recourse other than a credit dispute. I have sent letters to XXXX XXXX ( Board of Directors head ), XXXX XXXX ( President & CEO ), XXXX XXXX ( Chief Audit Executive ) and the Customer Complaints Group. Consumers should not have to go through this. As a result, I will no longer do business with them as this is the 2nd time this has happened in the last 7 years.
Consumer complaint received 2022-08-10
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. (CA)

In according with the Fair Credit Responding Act XXXX XXXX XXXXXXXX XXXX account XXXX, ( XXXX Equifax ) has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/22 I received a notice of garnishment from the court for a default judgment granted to XXXXXXXX XXXX XXXXXXXX for an American Express debt that I owed. I reached out to XXXXXXXX XXXX XXXX XXXXXXXX collections department for the stated purpose of VOLUNTARILY paying this debt in full in exchange for no longer pursuing garnishment against me. I spoke with XXXX XXXX and XXXX XXXX ( the latter of which conferred with the attorney for my case, XXXX XXXX, at length while I was on hold ). I was told that, although there was typically a 21 day holding period FOR CHECKS, that, per XXXX XXXXXXXX XXXX direct suggestion, a bank wire for {$12000.00} would likely alleviate that, but he would need to speak to the attorney to be sure. After a lot of back and forth between he and XXXX XXXX, he finally came back and told me that everything was squared away and that the garnishment would no longer be pursued. I called back Friday morning ( XXXX ), both to XXXX XXXX in collections as well as another individual in the legal department - both of which confirmed to me that my the wire was successfully executed and that there was no reason garnishment would be pursued and that the only further correspondence I would receive on this case was a satisfaction letter. What is relevant is that when I woke up this morning ( XXXX ) shocked to see that a garnishment was taken from my bank account! I got double-charged! I immediately called and talked to the legal department and was ultimately told that they had only TODAY began the process to notify the XXXX XXXX XXXX to release the garnishment. XXXX XXXX, on a recorded line, told me that this was NOT possible to do Thursday afternoon or Friday last week even after multiple individuals from XXXX informing me that the wire was successfully received. Meanwhile, I am out almost {$13000.00} dollars! Someone should be held responsible for this! And the court record should be rectified! No garnishment was necessary.
Consumer complaint received 2022-08-08
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. (OH)

XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing
Consumer complaint received 2022-08-08
Product: Credit card or prepaid 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: Avant Holding Company, Inc. (FL)

I contacted the company via phone with a follow up email to their published email address, Three emails, no response to any. Recent bill shows another unauthorized purchase. I paid the first suspect bill last month because I wanted to ensure the account remained current while the bank looked into my complaint. I will not, however, pay this unauthorized purchase. I have blocked the account so there should be no further activity, but do I need to close the account because of such bad customer service?
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX  acct # XXXX XXXX XXXX. section 602 A. States I have the right to privacy.

15 U.S.C. section 604 A. Section 2. It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other advise item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( i ). A person shall not furnish information relating to any consumer if- the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate.
Consumer complaint received 2022-08-08
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)

in accordance with the fair credit reporting act XXXX account XXXX professional debt, 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 states a consumer reporting agency can not furnish a account without my written instructions 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

XX/XX/XXXX : Santander Consumer USA responded to complaint XXXX by sending me a settlement letter with a return day of acceptance by XXXX XXXX and the amount of {$6500.00}. Santander Consumer USA Executive office stated once received they would send me the title to the vehicle, XXXX XXXX XXXX under the account XXXX. 
XX/XX/XXXX : I returned the signed settlement letter with a cashier 's check by certified mail with signature verification of deliver. 
XX/XX/XXXX : I received an email from Santander Consumer USA representative XXXX XXXX XXXX XXXX XXXX stating that he was " looking into my concerns. That I would receive something by XX/XX/XXXX. 
XX/XX/XXXX : I did not receive anything from their assigned representative in the Executive Service office. 
XX/XX/XXXX : I sent a letter to the representative with copies of the Settlement Offer, paid cashier check, copy of signature of delivered on time - prior to XX/XX/XXXX, the cashier 's check was deposited on XX/XX/XXXX. I also stated in my letter that I have a copy of my original contract and that I never signed up for any GAP, warranty program or XXXX XXXX. So there is nothing else due on this account. 
XX/XX/XXXX : As of today 's mail delivery I still have not received the vehicle title as promised as long as I met the requirements of the settlement offer. 

I would like all correspondence to be sent via US Mail because Secured email Message have a time limit ; no trace of the letter is available after the expiration date
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for the {$1000.00} bonus promo for opening a business checking account in XX/XX/year>. The representative that submitted my application was XXXX XXXX. I made sure and asked her if Ill be receiving my bonus after 90 days prior to completing my application. She said Im eligible and will receive the bonus. Its been over 90 days and I still havent received it. She never mentioned that the offer was only for targeted clients. She gave me the wrong information and she apologized that she " messed up. '' If she had told me that I would not get the bonus I wouldnt not have applied.
Consumer complaint received 2022-08-08
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. (FL)

in accordance with the fair credit reporting act XXXX  account XXXX professional debt, 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 states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act convergent 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Citi XXXX XXXX  XXXX XXXX XXXX SD XXXX Dispute Denied on Citi Double Cash Card It seems from internet complaints that the business practice of credit card companies is to automatically side with merchants over customers. I was disputing an overcharge by XXXX XXXX XXXX ( XXXX ),  XXXX, Florida. It was supposed to be {$60.00} and I was charged {$240.00}. I claimed and proved that XXXX  had overcharged me. I went to XXXX County Sheriff 's office and they agreed that XXXX 's aggressive response immediately after my initial phone call, was suspicious. XXXX provided a case number for a report I filed about suspected fraud. XXXX  provided pages of blank boxes not filled with any price because they use an automated system. Other than a XXXX post that did not apply to what I was purchasing, they had no proof I agreed to the price they charged me. I did not receive a paper receipt nor did I see a total on the electronic signature pad. I didn't know I had been overcharged until I received the credit card statement from Citi. I initiated a dispute with Citi and provided overwhelming documentation including emails and a XXXX report that itemized the dispute. Citi didn't even read it. Citi sent a letter that stated that the merchant had to agree to refund the money. Really? That's the reason there is a dispute. Does this mean they can charge anyone anything and just not agree to refund it. Sounds like a formula for massive fraud. 

I understand that unscrupulous people make chargebacks for every reason, but I am not one of them and my credit report will document that. Citi has made an across-the-board business decision to deny all customer disputes unless the merchant agrees. The merchant can now charge anyone any amount and it will encourage and promote fraud throughout the world. Banks need to act in good faith with customers. And if it is true that this is an industry-wide trend, credit cards will cease to exist because if we can't trust them to ride herd on their merchants, we can't trust the system.
Consumer complaint received 2023-06-30
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. (MD)

THEY CAME BACK SAYING THAT THEY VERIFIED THE ITEMS REPORTED WAS CORRECTLY. AND NO FURTHER INFORMATION WAS GIVEN.HOW ARE THEY VERIFYING THE INFOR IF THEY CAN'T PROVE ANYTHING.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 I made two payments to a vendor using my Capitol One card. Capital One indicates both payments went thru to the vendor, the vendor indicates only one was received. I requested Capitol One to investigate why the 2nd payment did not go thru to the vendor, Capitol One credited my account, I submitted all the paperwork required to Capitol One. Capitol One ( in unusually fast response ) decided the paperwork submitted was not sufficient ; the vendor still insists they never received payment from Capitol One. The vendor has stated they have nothing else they can do and no longer respond to my requests for more information from their end that I can provide to Capitol One as proof they did not receive payment from Capitol One.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE INCORRECTLY DOCUMENTED INQUIRIES ON MY REPORT ARE DRASTICALLY DROPPING MY CREDIT SCORE AND STOPPING ME FROM FUNDING I NEED TO SUSTAIN MY LIVING WHILE ALSO DELETING MY CHANCE OF GETTING MY MORTGAGE LOAN AND STARTED MY LIFE 'S PLAN.
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (CO)

Dear Source receivables management, I, XXXX XXXX have written this dispute letter to dispute a claim that is falsely listed on my credit report. The amounts owed are no longer outstanding. You have not proven to me that this debt is mine nor have you shown me the original contract. If you can not provide the original contract stating that this is my debt then it is legally required to be removed off of my credit report. 
This is my official and last request to have the aforementioned item deleted off my credit report before taking legal action. 
XXXX XXXX XXXX
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, my account was hacked through Bank of America 's XXXX product. 
the hacker got into my account added his name and quickly withdrew two amounts. : {$590.00} and {$900.00}. I have submitted the claim twice, provided the additional information that was requested and the bank still comes back with CLAIM DENIED. 

This is my money that someone hacked into their program and got my money, Need to know what I can do to get my money back. I am not that rich that i can throw away almost XXXX dollars. 

All the bank tellers can say is sorry.. you never get to talk to the upper level making the decision. Its very frustrating. They advertise that they will protect your money ... .but they don't and when something goes wrong they just turn their backs on you, the customer, and someone says sorry.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I received a bill for a new credit card ( that i did not request ) I called up Bank of America and spent one hour and twenty minutes on the call during which time they promised me that the card would be closed and I would not be charged. They then put me through to their fraud line and I waited a further 40 minutes waiting for my call to be answered which in the end I gave up on. I received a new credit card bill today and there it is again with extra charges on a card I did not request and had been promised verbally that the card had been closed. I have been waiting on there consumer line listing to someone telling me the appreciate my patience please continue to hold for the next available associate. 33 minutes and 38 seconds and still no answer.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (AZ)

Hi, I opened an account with Mercury on the XXXX of XXXX in order to make easier International wire transfers to our pruveyors. After transfering XXXX usd in several transfers due to daily transfer limits which I tried to raise. ( Communicating with their help team ) On the XXXX of XXXX Mercury decided to suddenly close our account and keep the funds until further notice without giving any exact information on why they closed it ( The only reason given was we broke their agreement ) or when will Mercury return the funds. After having tried to communicate with them for over a month and them not replying, just resending the same email over and over I managed get a phone number where they told me they couldnt do anything about i, it was all through the compliance department which resent me the same email after I called. The email says this : Hello, Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. Funds are being retained by Mercury at this time and will not be immediately returned to you. Should we return the funds at a later date, you will be notified. 

Best, I tried to solve this issue with XXXXXXXX XXXX XXXX XXXXXXXX which is the bank that currently holds my Mercury bank account, and they told me I can only solve this issue with Mercury. 

The company doesnt reply and has no legal right in keeping our money
Consumer complaint received 2022-01-11
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. (GA)

The below listed student loans that are being reported within my credit report is inaccurate account information. I have never been to college or took out student loans. It is not clear to me how these student loans could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains, these student loans are incorrect payment history information. I sent out my first complaint on XX/XX/2021, no response. I sent the next letter on XX/XX/2021 and still no response. I gave them a call the following week and got no update on the issue.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Neon Newco Corporation (NC)

XXXX I made ia complaint about NetSpend repeatedly allowing unauthorized payments from XXXX. XXXX took a payment of XXXX. Someone named XXXX XXXX XXXX XXXX XXXX  about filling a stop block payment form. I filled out the form sent it back. This was supposed to take care of the problem. XX/XX/year> NetSpend tried to take another payment. XX/XX/year> I withdrawed everything from my account to keep them from taking the payment. What was the purpose of me filling out the stop block payment for the same thing to happen again? Today XX/XX/year> XXXX got another payment of XXXX again. I want NetSpend to return the XXXX taken out in XXXX, and I want the refund of XXXX taken from my account XX/XX/year>. I don't want anyone from NetSpend to, contact me, I want my refund back. NetSpend has been totally negligent, about handling this situation and I'm tired of it. Now I know, no matter what NetSpend will still allow these transactions regardless how much you complain.