davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Hi, On XX/XX/XXXX, I applied for a Lowes credit card in store at Lowes XXXX, NY location. After submitting my information electronically I was told that further information was required in order to proceed with my new credit card application. I immediately called the contact # provided at Synchrony bank and I was told to do a live video recording in addition to taking a picture of my driver license and submitting it electronically. I complied and provided everything, including my social security #, video evidence of my face and pictures of my driver license. I was then approved. I even made purchases without the card by referencing my phone # and social security # at the Lowes checkout. 

Today, XX/XX/2023, I received my credit card and bill for the amount I purchased in store on XX/XX/XXXX. I tried to activate the card online and on the phone and was denied because Synchrony bank wants additional information : copy of my driver license and utility bill physically mailed to a another location. I refused because I already provided this information and I just want to be able to activate my card and make payment to the account. However Synchrony bank still indicate they are unable to help me. This has become infuriating because I already provided all this information when I applied for the credit card in the first place. Synchrony bank already has all this information and they already APPROVED my application. Why is it so difficult for me to just activate the card so I can go online and make payments? I do NOT want to have to send my personal information again when I have already done so. Please file this complaint with Synchrony bank and Lowes. Thank you.
Consumer complaint received 2022-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/22 I transferred {$290.00} to my PayPal account. It was my own personal funds so I could pay for my father 's groceries online. PayPal locked my account gave me no reason for doing so and then advised me that I wouldn't have rights to the account and that they won't give me my money back until 6 months from now. I feel that if they don't want to do business with someone they should return the money promptly and I believe that this is aligned with US law. I don't believe that they have a right to essentially get a {$290.00} interest free loan from me for 6 months without giving me account options or availability to my funds. I believe that they make up their own rules and no one in the government has had an opportunity to check on their operations to ensure that they're conducting themselves the way they should. They also use customer service from the XXXX that doesn't understand the laws of the US for financial institutions and they are rude. They don't maintain a solid customer service presence on their website and it's cumbersome dealing with them. They should have to hire appropriate customer service to cover the demands of dealing with people 's money in addition to researching the laws for financial institutions instead of thinking that their made up policies are sufficient enough to constitute law with no chance to dispute them. They believe that customers don't have a right to dispute anything with them and that's not the way we do things in America.
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/2023, at approximately XXXXXXXX XXXX, as I have done in the past, I deposited {$3200.00} in cash in the CHASE bank branch ATM in XXXX, CA. 

Immediately thereafter, the machine displayed a red screen while producing a transaction number AID # XXXX, also noting that " Deposit to Chk Acct XXXX To be sure your deposit went through, please call us at XXXX. XXXX '' I immediately went inside the bank and reported the transaction since I needed that money to pay for my rent. I was shocked and surprised that the representative stated that I needed to place a " claim '' and there would be a 10 day investigation. 

I reiterate that this money was intended to pay critical housing bill as I have done for the past 3 years. 

How is it possible that in this day and age a bank would advertise the convenience use of its depositing machines with these menial impediments? 

I have now incurred substantial credit expenses and fees together with anxiety and panic attacks all the fault of a grossly negligent bank. 

Please help.
Consumer complaint received 2023-01-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

I just found out by a XXXX XXXX XXXX XXXX XXXX  on XX/XX/2023. I owe more than one thousand in a school I never signed into as part of a contract. I never had auto payments deducted because I never signed on to auto pays and the collector known as Ability Recovery Services has been found as a fraudulent company who harasses and attempts to collect amounts with discrepancy and not accurate. I sent a formal letter to this collection company asking for information that goes to as how I owe anything to that school and they could not provide by Law any documents except an enrollment not signed by me papers. That is how this company is going by. That by Law is fraud. They have not rights at all in the state of Florida to attempt to collect any un accurate debt. The papers this collection agency has, does not show nor proof I owe debt to this school nor are the papers a contract signed by me.
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (CO)

Received phone calls from company starting in XXXX. Company representative would hang up when phone was picked up. XXXX went to correct entity. 

Called XXXX to request written verification of debt. Debt collection agency had incorrect address. Would not provide account number for online payment. 

Written verification of debt still not received even with correct address. 

Called XX/XX/16 to request written verification of debt. Company rep said it has already been sent and would not send another. After several attempts, was about to get account number for online payment.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (AZ)

On XX/XX/2019 I was told that my account ending in XXXX balance was XXXX so I paid it and it was reported to the credit bureau now 3onths later they are calling and harassing me about being 60 days late, now I haven't heard anything from them since XX/XX/XXXX when the account was paid, I also have another account ending XXXX and in XX/XX/2019 was told my balance XXXX so I paid XXXX left my balance of XXXX when I went to pay the balance they are now saying that my balance is XXXX. I have been getting the run around, I spoke with a supervisor name XXXX in the collection deprtment and she said that she an see that my was balance was XXXX in XX/XX/XXXX and I made a payment, did not undersatand why the amount change so was sending it to the review department to be review on XX/XX/2019 and still to this day haven't gotten a answering whenever I call to see what is going I get threated about being sent to the credit buren this company hs been giving me the run around for over two weeks. 
please can you help me resolve this. 
XXXX XXXX Conn 's home plus
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have notified Experian several times that the address information that is listed is places that I have never lived at before & I am requesting that this incorrect address information be removed from my credit report. I am a victim of identity theft and I have had address and account information added to my credit reports that I have no clue where they came from along with Variations of my name. Please delete.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

I received a call from XXXX XXXX asking to verify if I applied for a XXXX credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.
Consumer complaint received 2023-01-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

I am being repeatedly called by XXXX in regards to the XXXX credit card. I have been out of town as an immediate family member died suddenly. I missed XXXX payment due date while I was gone because I had family matters to handle. I have a payment scheduled. I was called XXXX times today ( XX/XX/2023 ) alone. The times are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told them a payment was already scheduled and just buried a family member and their behavior is extremely harassing. I asked them to stop calling me. I have NEVER had a credit card contact me so relentlessly over XXXX missed payment. This has been going on for XXXX  days straight.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (SD)

I contacted consumer financial protection bureau on XX/XX/2021 ( complaint number XXXX ) about my denied claim of XXXX in fraudulent charges and Way2GO not giving me answers on why I was denied. A person my the name of XXXX contacted me by phone and said she was with XXXX XXXX XXXX. I told her the whole situation and said she will send me a email so I could provide more documentation showing these charges were fraudulent. I immediately categorized all the charges and tried to contact every company where the fraudulent charges were made. I emailed her all the documentation showing the charges where made in XXXX, Michigan by the name XXXX XXXX. The companies would give me the name, city and state of the transactions but will only give the location to law enforcement. Also emailed case numbers so they could easily call the companies to verify the information. In the email that XXXX provided was a phone number ( XXXX ). I have called this number and have left at least 25 messages telling them to call me or respond to my emails and they have never responded.. So I did a XXXX search and called the number that looked like XXXX XXXX XXXX ( XXXX. When I called the guy said he was a insurance agent and told me he has had multiple people calling him that are trying to contact this company and has no idea why his number keeps popping up on this XXXX  search. Very frustrating when XXXX told me on the phone how she would do everything she could to help me out and now wont answer my calls or emails .. I will send a few pictures showing my claims to be true and I have a lot more documentation if it needs to be provided
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I received a call from XXXX XXXX asking to verify if I applied for a XXXX credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.
Consumer complaint received 2021-08-27
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: CITIBANK, N.A. (CA)

My wife and I went to play XXXX on XXXX. We went to the counter, and purchased 2 packages to play. We were told that we had to do this as 2 transactions as each player needed their own receipt. We were ( appropriately ) charged for the cards and the XXXX. Several days later, we see on our credit card statement that we were also charged a {$20.00}, or {$10.00} per transaction ( greater than 30 % of our purchase ) as a " cash advance fee '' even though we never received any cash. There was no discussion/notification/prompt provided that this was a cash advance or anything different than a charge in exchange for goods. We contacted the credit card company ( Citi Bank ) who said they can not do anything because the vendor specified the transaction as a cash advance despite the fact cash was never rendered. This practice seems deceptive and leaves a customer vulnerable if the merchant is able to misclassify a transaction as a cash advance without disclosing that to the customer in advance.
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (FL)

According to the FCRA, any item that is proven to be inaccurate has to be removed from my credit reports. Please note that XXXX is reporting inaccurately and the account lists many inconsistencies. This item was in dispute with Experian on XX/XX/2020 and somehow it returned valid. I immediately sent over a MOV ( method of verification ) and it returned as remain on XX/XX/2020. The report number is XXXX. I havent received any paperwork on this account and the bureau ignored my request for the proper MOV. How were you able to verify so quickly and HOW? I feel like I am being treated unfair and this company is being allowed to destroy my credit reports and character. My reports are a reflection of ME. 
This item needs to be removed from all three of my credit reports as it is in fact reporting inaccurately.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (IL)

Every month I check the Avant app to see my statement. The statement shows my current balance, finance charges, the minimum amount due, and the due date. It then offers the option to make a payment using the checking account I have on file with the app. 

On XX/XX/XXXX I checked the app and it showed my balance, finance charge, and minimum amount due for the current billing cycle. The due date shown was XX/XX/XXXX. I used the app on XX/XX/XXXX to pay {$50.00} ( the minimum amount due was {$25.00} ). {$50.00} was withdrawn from my checking account by Avant on XX/XX/XXXX. 

On XX/XX/XXXX I checked the app to see if my next statement was available. Instead, I was met with a notification that I had missed my due date of XX/XX/XXXX and had been charged a {$25.00} late fee. Since I had made a payment on XX/XX/XXXX that was charged to my bank on XX/XX/XXXX, that payment SHOULD have counted toward the due date of XX/XX/XXXX. However, upon calling Avant " customer service '', they maintain the payment only went toward my balance and did not satisfy my due date even though a statement had been generated. They claim the payment was made on the " last day of the billing cycle '' and therefore does not count as a payment toward the next due date. I asked that this be rectified and was instead disconnected. 

I called back immediately and the next representative argued the same thing. I politely explained that I would not have made a payment if a statement hadn't been generated and they continued to argue that it didn't count toward my due date. The representative would not remove the late fee from my account and instead offered a " waiver ''. The next day I received an email informing me that the waiver was denied. 

I have NEVER been late with my payments to Avant. I have 7 statements from Avant and my bank account shows 7 payments within days of receiving those statements. I would NOT have made a payment on XX/XX/XXXX if the app did not show that my next due date was XX/XX/XXXX. I understand how billing cycles work and I did not want the payment to go toward my balance without satisfying the minimum due for the next cycle. 

Avant charged me a {$25.00} late fee for an on-time payment and now my credit rating may have been impacted. When I asked to have any record of a late payment removed, I was told " no ''. When I asked to have the fee waived, I was denied. Due to this incident, I have since closed my account and will settle my remaining balance over the next three weeks. I believe Avant is in the business of taking advantage of individuals with poor credit when we have very few places to turn. They have no interest in helping anyone but themselves.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is the 5th CFPB complaint against the fraudster Select Portfolio Servicing ( SPS ), since XX/XX/2020. The fraudster Select Portfolio Servicing ( SPS ) s real business goal is to fraudulently manufacture foreclosure and this is how the fraudster Select Portfolio Servicing ( SPS ) makes money. The fraudster Select Portfolio Servicing ( SPS ) refused to ( i ) respond to the Qualified Written Request ( QWR ) under RESPA and ( 2 ) mail monthly statement, showing how all my payments are applied ; including that the fraudster Select Portfolio Servicing ( SPS ) cashed the XX/XX/2020 mortgage payment from my bank XXXX XXXX  via ACH.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MA)

On Friday XX/XX/XXXX I sent bitcoin as a payment through cash app. I paid extra for rush services. This is usually received within XXXX mins. A few hours later it was still not received I follow the link to the block chain and it stated Transaction not found I tried reaching out through their chat system only to go in circles after typing agent they said one would be in touch with me. I happen to see the messag pop up a few hours later and immediately responded and was told shed have a specialist get back to me. I reached about XXXX more time through the chat Over the next 3 days and havent received a response since the would told me shed have a specialist get in touch with me. I have also been calling I made XXXX calls each time it told me to use the chat for immediate assistance or press 1 for a call back. After hitting 1 and waiting a few more hours my phone would ring with a California number and each time it would say we are sorry you missed our call please call back and an agent will return your call then disconnect the call. I would just like my money back if the cant proceed with my transaction nbut there is no way to speak or chat with anyone.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (CO)

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for FIRST NATIONAL BANK OMAHA credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called FIRST NATIONAL BANK OMAHA XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Consumer complaint received 2024-10-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Seattle Service Bureau, Inc (PA)

National Service Bureau is attempting to collect a debt for XXXX XXXX XXXX for damages caused against an insurers property in the amount of {$5400.00}. The date of loss is XXXX. I haven't been involved in any kind of accident involving anyone on that date. I have never filled a claim or was even on the road that day. I have witnesses that can prove I was home that date. There is no way I could have been involved in an accident on a date I wasn't even on the road.