davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, My mother assisted me with opening an account to help with XXXX  XXXX. My account was approved immediately, and on XX/XX/XXXX, I used the card to pay the remaining balance on the day of XXXX to XXXX XXXX XXXX XXXX The XXXX  office submitted my personal and driver 's license information to Care Credit when they charged my card funded by Synchrony bank. 

Today we learned that my date of birth was entered incorrectly, preventing me from accessing my account or creating an account. When we called to inquire, the Synchrony representative only verified the last four digits of my social and Care Credit Card and date of birth, which was incorrect. They would not allow me to correct it online, even if we inadvertently entered my mother 's DOB or sister 's DOB, or confirm that was the case. The Rep or Supervisor did not verify my address, the purchase, or other information. Claiming they were protecting my security and personal information, but the only option to verify my identity was to mail my driver 's license ( 3rd party since I do not have a fax ). When you call Care Credit, owned by Synchrony, providers have an option so if they want to verify or update my information, there are other ways instead of putting my identity at risk by faxing or mailing. 

Supervisor XXXX also suggested to my mother to email a copy of my driver 's license through my account since she agreed the two options were a huge risk. I challenged her when I pointed out the account was approved with an incorrect date of birth and used, and now they are making it difficult for me to correct the issue and access my account.
Consumer complaint received 2022-08-19
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)

I stayed at the XXXX XXXX in XXXX on XX/XX/XXXX. On my XXXX Citi-Corp credit card statement I was charges {$500.00} from the hotel. I contacted accounting at the hotel on XX/XX/XXXX and asked abut the charge. They said I broke the television. I did not even turn on the TV. I was attending a school board conference all day into the evening and early the next day. I asked what was broken and how much it cost and who reported it. The XXXX XXXX declined giving me any information, saying that information was is confidential. On XX/XX/XXXX, Citi said it was probably damages. They told me that the XXXX had the right to charge me because I had given them my card when I checked it. I asked them to contest the charge. On XX/XX/XXXX they sent me an unsigned form letter denying my claim, using the same verbage they gave on XX/XX/XXXX. 
FACTS I did not use the television XXXX is not showing any proof that it was broken or that I did it. 
Citi-Corp did nothing to help me.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC (IL)

I opened XXXX XXXX XX/XX/27 at XXXX XXXX XXXX XXXX  center in XXXX XXXX, IL because they recommended it. I was completely rushed through the entire process because the tire shop was 10 minutes to closing and wanted me gone. I was not explained much, was told that I would have no interest before the 90 days. XXXX XXXX has been charging me XXXX a day! My balance started at XXXX now its XXXX even with payments being made on time. I can never get caught up because when I make a XXXX $ payment only about XXXX $ of that actually goes towards the balance. My interest rate is 194 %. Easy pay also likes to tack on returned checks and pretend that was the case so that they can tell you they are adding an extra XXXX $ for it being returned. Infact everytime I make a payment it just goes to interest and thats it. I have called several times and I always get a horrible answer.
Consumer complaint received 2022-08-19
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: Thaxton Investment Corporation (TX)

On my credit report, I noticed a credit inquiry from XX/XX/2020 that I did not authorize. I contacted the company via phone to get this inquiry removed. They advised I would have to go through my XXXX for the removal.
Consumer complaint received 2022-08-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2022 I submitted a dispute regarding an incorrect amount for my auto loan thru XXXX XXXX XXXX XXXX XXXX. The correct amount remaining is {$580.00} Experian is the only credit bureau company reporting a {$2800.00} balance. I have sent a current statement and the XXXX also emailed a payoff statement to me to prove the amount on the payoff letter is up to date. Experian is refusing to update the correct amount. Please advise the next step. I have disputed this 3 ot 4 times Thank you
Consumer complaint received 2022-08-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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.

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report.
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (CA)

Aldous and Associates were hired by XXXX XXXX. I cancelled my membership and the fitness company continued to charge me. Aldous and Associated place the owed amount on my credit report, however I paid this company in full. When I disputed the case with XXXX, they still did not show that the account is paid in full. I feel this is fraud and I want the information updated.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

I started getting bills from XXXX XXXX saying I had a account I called them and told them that they were wrong my name was hacked I reported it made a police report called them back gave them the information and they still continue to send me bills
Consumer complaint received 2022-08-19
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. (NY)

According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. EXPERIAN has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give EXPERIAN written instructions at any time to report The following XXXX account is being reported on my consumer report without my written consent. the CFPB STRICKLY prohibits this in accordance with federal law. 

Please see the attached invoice and affidavits for the following violations.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Hello, I have contacted Experian to correct my credit report. I sent them a certified letter requesting them to remove incorrect addresses from my credit report. They removed some of them, but several addresses that I do not live at are still showing on my report. I only have one address and I only want accurate information on my report. I am concerned that someone could gain access to my personal information if they tried to reach me at an address where I do not reside. 

I am simply requesting them to have only my accurate address on file and not any other addresses. 

Thanks
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2022 I opened a Checking and Savings Account online with Truist. Later that day I funded the accounts ( in excess of {$40000.00} ) by making deposits at my local branch with XXXX 's Checks from my previous bank. On XX/XX/2022 I visited the branch because I had not received my debit card and I needed to make a withdrawal. I was told that my account had been closed and that I was unable to withdraw my funds. After several hours at the branch I was told to leave and that I would be called with and explanation an when I could have my funds returned to me. On XX/XX/2022, I received a call from Truist and was told that I could come pick up my funds on XX/XX/2022. On XX/XX/2022 I went to the branch to pick up my funds but I was again sent away and told that I would not be able to receive any of my funds and again I was told that they didn't know when they could reopen the account long enough to withdraw my money. I have been denied access to my money with no explanation and no definitive answer of when I will get my funds. I need your help. I have no other funds available to me and do not know what else I can do.
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (OH)

I have requested that escrow not be held on my loan. I filed the request on XX/XX/XXXX and have yet to receive an answer. I have called at least 4 times without success. I have been told today that my request was denied on XX/XX/XXXX, but I haven't been notified. 

I was also told today that I must meet the following requirements for escrow to be waived : - LTV of 80 % ( I originally put 30 % down ) - no delinquencies on my account ( the customer service rep I spoke with confirmed that there were none ) - no loan modifications ( there have been none ) - no previous defaults of escrow accounts ( there have been none ) In spite of trying to clarify these points, my customer service rep was told by her supervisor to stop helping me as this request was denied. As I have no notification of that, I have requested the denial in writing. I was told that I need to file a complaint that I hadn't received an answer to receive an answer. This seems very unethical to me.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

I have a " XXXX XXXX '' credit card through chase. In exchange for the annual fee, I am supposed to get a free hotel night. I received this benefit in the past. However after the fee at the end of 2021, I did not get this benefit. This appear to be a technical problem, but during my call with XXXX they locked my account and each time I call and explain the problem, they hang up on me. They demand a photo ID with current address though it is not mandatory in Illinois because XXXX are not operating at full capacity and I have provided them with the online address change acknowledgement letter from XXXX as well. While Chase representatives understand the problem, their claim is that they have nothing to do with XXXX, though they charge the fee in return for the services XXXX doesn't provide me.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a Bank of America prepaid card for XXXX XXXX back payment deposits in XX/XX/XXXX. On XX/XX/XXXX and XXXX my account account was fraudulently used to transfer XXXX on both occasions to a fraud account False information was entered into my online accountemail, bank XXXX, and phone number. I cancelled the card and opened a claim. The claim number was XXXX. 
On XXXX, the transfer from XXXX was reversed and restored to my account. 
However, Bank of America denied my claims to reimburse the stolen funds of XXXX from XX/XX/XXXX. I requested a reconsideration on the first claim for XXXX and it was denied a second time. 

On XX/XX/XXXX, with a replaced card, the account was compromised and this time a fraudulent transfer of XXXX was made using a fraud bank account. My account had been compromised with a false account number, email address, and phone number. All of this I could see under my profile information. I made a claim/dispute on XX/XX/XXXX. The claim number was XXXX. 

I provided Bank of America with the fraudulent account number ( I could see it in my online account ) and the fraudulent phone number. 

On XX/XX/XXXX, I called Bank of America for status and was told that the claim was denied. 

I cancelled the card again and received a new one, which I am afraid to activate in case the same fraud reoccurs.
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (FL)

My information was exposed in a data breach I don't owe these people anything nor have I contracted with them please direct them to cease and desist and stop contacting me. I don't give them permission to share my personal identifiable information with any third parties.
Consumer complaint received 2022-08-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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. 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report.
Consumer complaint received 2022-08-19
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

This isnt the first time but XXXX tried to withdraw money from my account at Truist bank but was told AGAIN ( this isnt the first time ) that there system was down and would have to try later. If they are unable to let me withdraw money then we should be able to go to another bank and use there teller machine and Truist reimburse the fees for using another bank. Never had this problem with Suntrust! Thanks
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (AR)

My name is XXXX XXXX my When the pandemic 1st started I applied for XXXX I was approved I signed up for a prepaid card to get direct deposit from the card.com company On XX/XX/XXXX {$12000.00} was loaded on card ending in XXXX I had 2 cards with them The other ending in XXXX I had XXXX XXXX deposited on it as well In order to even be approved for this prepaid card you have to 1st in advance Fully verified which I did I purchased a few things I guess my account got red flagged when I made a purchase out of town and I did not see the notification until they had already closed my account they are not following any of their policy and procedures I've read them over and over I have gone back-and-forth with them they will not give me the remainder of my money I have done everything I know possibly to do how can they just keep my money their policy States that infinite account for any reason is closed and there's more than one cents on it they will send A check to the address on file they will not give me my money and I want it back. Please take note the billing address It's not my current Residents anymore the one I provided here is the current my number has also changed thank you
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: I.C. System, Inc. (TX)

While reviewing my credit report today, I discovered an unknown collection item on my credit report. IC System Commercial has an unknown collection on my account for {$0.00}. When contacting the number ( XXXX ) I discovered the contact information is incorrect. How does this happen?
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

My girlfriend sent me a couple of checks for me to cash in i deposited them into my account using my chase checking and couldnt get back into my online banking I called chase about five times in different days and they told me that the checks need to be cleared in order for me to get into my online banking One guy in particular told me that the problem should be resolved the next from the phone call I made with him. Its now three day ahead and I still couldnt get into my online banking so I called chase again they then told me that my account will be closed and that I cant do anything about it. Also telling me that I will not be able to open another one in the next three months Also a couple weeks prior to this happening my chase account was hacked into in which a person spent XXXX $ in my account in a XXXX in XXXX Florida XXXX Ive never been to Florida and they have still yet to resolve that case