davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit 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: SYNCHRONY FINANCIAL (PA)

Fraud detected on a rarely used credit card with a {$6.00} charge in a state thousands of miles away. Bad actor was able to claim to be me by providing nothing but an email address and asked for new cards. Synchrony called me and account immediately halted. Synchrony said they would send me new cards but then they sent NEW cards to the FRADULENT address AFTER we corrected the problem where the bad actors charged {$14000.00} at different XXXX and XXXX XXXX stores in Florida on the same day. XXXX tracking shows Synchrony created the label for the new cards to the fraudulent address 5 hours AFTER my call with Synchrony to halt the action. XXXX  was kind enough to send me a photo of the delivered new cards to the fraudulent address in Florida AFTER my address and information was corrected on file. 
I filed a fraud claim with Synchrony, filed reports with FTC, all three credit reporting agencies and State Police. 
Synchrony DENIED my claim because they stated " I made a payment in XXXX. '' Well, yes, there was a recurring subscription charge on the card that I DID authorize, so I was responsible to pay that. All this fraudulence occurred AFTER I made a legitimate payment. Synchrony refuses to admit their wrongdoing and refused to write off the fraudulent charges. I requested a new claim be opened again. Hurry up and wait .... This is identity theft that they allowed to happen because of poor policies.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/ XXXX XXXX  I sent a payment in to my BJs Mastercard. At the time it was serviced by XXXX. Now by Capitol one. I sent capitol one all information twice in the mail as the fax number they gave me never answers. They keep telling me my information is not sufficient and I need to contact XXXX. XXXX said they sent all files to Capital One. I sent Capital one a copy of my bill pay app page showing the payment, A copy of a portion of my bank statement showing it was paid as well as A Mastercard RPPS sheet that mastercard and my bank showing me it was paid. Capital One again charged me the {$500.00} dollars and told me I have not submitted enough information. There is no more information to submit. The Mastercard RPPS sheet has every transaction number and routing number, time and destination etc for the transaction that is possible. It is the absolute definitive evidence that can be had, yet they are still trying to steal my {$500.00}
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I have received two letters from Jefferson Capital concerning {$1600.00} of debt that I allegedly owed. The last of these letters was sent on XX/XX/2023. I had no idea where this debt came from. My wife called the number provided by Jefferson Capital to inquire on XX/XX/2023. They told her the name of the person who had taken on the debt, when purchases were made, and what payments he made, as well as the person 's address and phone number. This debt came from " XXXX '' and was through XXXX XXXX. At least one charge was made on a XXXX XXXX XXXX. I have never been on a XXXX XXXX, much less opened a credit card through them. The address provided to us was of the house I lived in when in XXXX grade XXXX XXXX  years ago ). It seems that one of these companies found my name as connected with that house and then started sending me these notifications. The person my wife talked to did not know how my name was attached to the debt. The same day, I called Jefferson Capital to file a complaint. I tried to ascertain from the call
person how my name became connected with this debt. He said that the man probably somehow got my social security number and address and opened an account. ( This does not make much sense, as he made 4 payments on the debt. ) We were able to dispute the debt.
Consumer complaint received 2023-06-29
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)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (FL)

My company paid {$5000.00} to me, via check. On XX/XX/2023, I deposited this check, via mobile deposit to my Huntington Nation Bank checking account. My funds were not available once deposit happened. And my account had been locked. I was unable to even log into my Huntington National Bank site. I received a letter from Huntington National Bank dated XX/XX/2023, stating that my check was being held until XX/XX/2023 due to making sure the funds were available from the bank they were being paid from. Huntington National Bank then froze my account, and NONE of my funds were readily available. I have contacted Huntington National Bank 10 times, and have been given the run around from every person that I have spoken with. The bank that my employment check is through, is XXXX XXXX. I contacted XXXX multiple times, and they informed me that Huntington National Bank had already cashed my paycheck in XX/XX/2023. Huntington National Bank is illegally holding my funds, and froze my account. Every time that I have contacted Huntington National Bank, not one representative or Manager can explain to me why my account is frozen, or why my funds are not available. It is now XX/XX/2023, and my account is still frozen, my funds are still not available. Due to this hold of funds for over a month, I have been unable to pay my family 's health insurance for XXXX and XXXX. It has now been canceled, and Huntington National Bank must be held responsible for paying for this to be reinstated.
Consumer complaint received 2023-12-04
Product: Credit 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: FIRST NATIONAL BANK OF OMAHA (CA)

I have FNBO credit card ending in XXXX, It's a nightmare to deal with the customer service and another nightmare to dispute a transaction. 

I wanted to dispute {$13.00} out of this following transaction- XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dining {$48.00} I also wrote this to FNBO credit card on their online platform, but they're not responding
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 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 adverse 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These Companies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!
Consumer complaint received 2023-12-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (TN)

I used to use XXXX for home internet. 

On XX/XX/XXXX, I called and cancelled XXXX XXXX account, and received confirmation my service would be discontinued and that I would not owe any further balance. This cancellation was confirmed as processed via an email from XXXX  on XX/XX/XXXX. 

On Thursday, XX/XX/XXXX I was contacted by a company called Valor VIP claiming I owed money to XXXX for service for the month of XXXX. 

On Thursday, XX/XX/XXXX I sent Valor VIP a copy of my cancellation confirmation showing I did not receive service in XXXX. I also showed my last statement which covered services from XX/XX/XXXX - end of service, as well as a confirmation that my payment on XX/XX/XXXX went through successfully, covering the final bill. ( The statement also showed the payment due date of XX/XX/XXXX ) On Thursday, XX/XX/XXXX, I called back to confirm they received my email. During this time the woman I spoke to said my charge was due to me owing $ XXXX month and only paying $ XXXX month. At this point I told her to refer to the statement credit at the bottom of the invoice, showing I was given a promotional credit of {$10.00} off my regular monthly bill. I was told they would follow up via email. 

On Friday, XX/XX/XXXX, I received an email back from XXXX XXXX ( XXXX ) saying I was being billed for XXXX. She told me the statement I sent her was from XXXX. 

On Monday, XX/XX/XXXX, I sent the same statement with the dates circled. She followed up saying that there was more than one month that had a balance that was unpaid. 

On Monday, XX/XX/XXXX, I emailed Valor VIP asking specifically which month showed a balance. I also sent over confirmation of payments from all of XXXX. After not hearing back, I called again at the end of the day. I was told they were looking into it and then was hung up on. I called back, and was hung up on again. I called back one final time, and the woman stated she didnt know which month I owed and that she wouldnt be able to share that information with me. I asked if this meant the debt was cancelled, to which she replied no and hung up on me again. 

I am grateful I was able to download all of these statements and payment confirmations when I did. Upon logging into the app today, on XX/XX/XXXX, my billing section now shows access restricted and I am no longer able to see the statement balance and payment history. I do believe XXXX is attempting fraud, and I suspect its happening to others as well.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I opened a US Bank checking and savings account on or around XX/XX/XXXX. I was supposed to take the following two actions to earn a bonus.

1. Make 5 direct deposits totaling {$6000.00} within 90 days to receive {$400.00} bonus ( US Bank paid this out on time ) 2. Keep {$25000.00} in the bank until XX/XX/XXXX to receive {$200.00}. 

My transfer was initiated on XX/XX/XXXX. 
My funds were kept in the bank until XX/XX/XXXX when i started moving it out as a US Bank representative told me it might take up to 90 days from XX/XX/XXXX to receive the bonus but i was good to move the funds out. I was told that the credit should be received around XX/XX/XXXX. 
More recently, i was told that the bank was researching why i had not received this credit but it would be in my account before the end of XXXX I believe. 

I still have not received it and want nothing more than to get the bonus and close my account at this point.
Consumer complaint received 2023-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (FL)

To whom this may concern. I am writing a complaint in regards to loan care/Lakeview loan servicing. I have recently made updates to my insurance policy as of XX/XX/2023, which I have updated online for their request. It took them many days to even update the information. We told them that we paid for insurance out of pocket. Almost XXXX weeks later now we have found out that we are were not supposed to pay for our insurance out-of-pocket due to the type of loan we have. 
However, we have spoke to many people at loan care, but never told us this information. 
This is now causing a shortage in our escrow account from them paying the new insurance company {$1700.00} which we already paid!!! 
We have a surplus of money in our escrow account from changing insurance companies and we were requesting an escrow analysis of our account. Which has yet to be done XXXX weeks in. We are owed money from loan care, and we are owed money from our previous insurance and now current insurance company due to loan cares mistake. Its now XXXX and nothing has been done. 
We would like loan care to fix their mistakes and to do the escrow Analysis as they told us they were going to do. They said it only took XXXX to XXXX business days and now we are almost XXXX weeks in waiting on this information. please who do we need to talk to you to get this done? We are owed a refund and we would like this taken care of before the end of the year. 
Thank you
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX CREDIT REPORTING AGENCY REFUSES TO FOLLOW THE LAW AFTER I SUBMITTED A IDENTITY THEFT POLICE REPORT TO REMOVE AND BLOCK FRAUDULENT ACCOUNT FROM MY FILE. THEY REQUESTED THE POLICE REPORT AND I PROVIDED IT HERE IS THERE REQUEST
Consumer complaint received 2023-12-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (UT)

On XXXX XXXX, 2023 I received an email letting me know my account was frozen. I tried to log into my account and found that indeed I couldn't get in. I called the bank to try to fix the problems and had to wait literally two hours to get in contact with a representative. The representative verified it was really me by using the information I'd given the bank when I created the account ( passcode, address, ssn, etc ). He didn't unfreeze my account and instead gave me BMO Alto 's " backoffice number. '' I called the number and no one was available and their voicemail box was full. Now my {$900.00} are stuck in an account with a bank I've become highly suspicious of. I checked the internet for others with experiences like mine with this bank and I found a case of someone losing {$60000.00} just like I've lost my {$900.00}. I'm so grateful I didn't have {$60000.00} in my account, but {$900.00} is still money I worked hard for and don't enjoy losing this senselessly. I've really learned my lesson about not trusting the internet for bank recommendations. What a disaster!!! I'm so, but so upset!!!
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NH)

Venmo. I was sent money ( {$600.00} ) VIA Venmo from a friend in-person for personal reasons. Not a purchase. Not a scam and not loan sharking of any kind. Venmo, 1 week ago froze the account holding funds claiming there MUST have been an email reason as to why and NO there was never an email. In fact I checked all devices and folders including Spam. There simply never was an email. They said 3-5 day its now a week. This has caused many issues and still i call/email daily even opened a XXXX dispute. They will NOT give info to me as to what has been an " issue '' as there simply hasn't been anything wrong done here. XXXX add the accounts been open since 2020 but not used often as other apps are the way to go for me.
Consumer complaint received 2023-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (PA)

I scheduled a payment which was late, but tried to establish the payment for XX/XX/2023. XXXX XXXX online portal switched the " payment date '' to XX/XX/2023 which is the date for when I went to schedule the payment to effect a payment date, but I clearly put XX/XX/2023 in the date field. This is concerning and is considered fraud and potentially theft. I was aware that the payment was behind and I had plans to pay it, but this company having their system do this will almost certainly cause issues if there aren't enough funds on the date that they try and attempt taking the payment. 

This company is already being investigated for other forms of suspicious practices by none other than Attorney Generals across several states. 

I am beyond appalled and concerned and will probably be paying this off in a faster time frame now.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Good afternoon Sir or Ma'am My wife and I had opened a account with Capital One in XXXX of XXXX, we have just the one credit card. We started with a credit line of XXXX. Our monthly payment when we first opened our card was the minimum of XXXX which was very comfortable for us to make as we live on a fixed income from my Social security retirement. As time went on we noticed the payments had went up, they never alerted us as to why. We continued to make the payments, our bill is due on the 12 of the month. We pay our bills for the month on the day we get paid from Social security, we then started noticing that they were not applying our payment, we called them and said that we pay all of our bills on the same day, Capital One stated we are paying our bill too early. Our credit line increased to a final of XXXX our outstanding balance is XXXX our now minimum payment is XXXX Some months our payment changed to XXXX. They show us that even though we don't use the card anymore we cancelled the card some time back that our balance never seems to decrease, they show an interest of XXXX, it seems that no matter what we pay or when we pay our balance does not lower. This is so confusing and so frustrating. They state now that we need to pay a minimum of XXXX. They told they will not accept the original minimum of XXXX We are so confused and we are not deadbeat we pay our bills on time. Thank you for listening. All we want is for our bill to be paid off we aren't trying to beat anyone for their money. I will be more than happy to send you our banking. They told us they would credit us and they never did.