davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
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: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

CHASE bank is reporting 2 erroneous credit cards to all 2 credit bureaus in charged off status. Now we received collection letters and aggressive collection calls for the cards that do not belong to me XXXX XXXX. Numerous attempts to speak with someone at chase went wasted and in a never ending loop of transfers from one agent to another all asking for a full account number for these credit cards in default. Attempting to explain the fact that these do NOT belong to me thus I would NOT have a full act number went ignored .... Then written request to Chase providing them with a copy of my ID and social #, at first Chase finally responded after almost 64 days, stating they " need more information on these accounts, could NOT find any accounts with information and documentation provided ... ''. Then on XX/XX/XXXX we received a big envelope with a copy of electronic application in the name of XXXX XXXX ( NOT ME ) with address NOT belonging to me, and other personal info of ANOTHER PERSON, not even closely matching to mine ... Again calling and writing chase requesting deletion of these accounts from credit report went ignored ... On XX/XX/XXXX and XX/XX/XXXX XXXX sent more letters NOW stating they confirm that information reported to credit bureaus is correct ... HOW IS IT POSSIBLE THEY PROVIDE ME WITH A COPY OF CREDIT CARD APPLICATION OF ANOTHER PERSON WITH SIMILAR NAME BUT DIFFERENT SOCIAL, ADDRESS, DATE OF BIRTH ... THEN STATE THEY REPORTED THIS CORRECTED TO ALL BUREAUS .... ATTACHED PLEASE FIND EVIDENCE OF THIS VIOLATION ON SEVERAL COUNTS ... 
It is also alarming that a big bang like CHASE can just mail out someone's application revealing their social and other personal info, instead of doing a little research and at least attempt to protect identity of their customers ... this is very very alarming. I will be sending my complaint to attorney general 's office, inspector general and FTC this is wrong and I-innocent consumer should NOT suffer from their lack of compliance, negligence and ignorance ...
Consumer complaint received 2020-05-28
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. (TX)

On XX/XX/2020 I placed an online order for a refrigerator at Best Buy. The order clearly states that delivery/shipping is free ; however, the day after the refrigerator was delivered on XX/XX/2020, I received an itemized order details statement showing that I had been charged a delivery fee of {$69.00} ( {$75.00} with tax ). I called Best Buy to get the " free '' delivery charge credited to my credit card but was told they could not issue a credit and offered me a gift card. I declined the offer and again asked that a refund be issued to my Best Buy Visa account. After repeated phone calls to Best Buy, on XX/XX/2020 I filed a formal dispute online and eventually filed a dispute with the Best Buy Citi Visa card account. 

On XX/XX/2020, I was notified the following by Best Buy Credit Services : " We are pleased to inform you that you have received a credit for the amount ( s ) below from BEST BUY. It has already been applied to your account and appeared on your billing statement dated XX/XX/2020. 
Transaction Amount {$210.00} We now consider this matter resolved and have concluded the dispute investigation. '' This is not resolved! The {$210.00} credit was applied as a " price match '' for the refrigerator I purchased, due to a lower price by a competitor. This credit has nothing to do with the {$75.00} " free '' delivery charge I am disputing! I have since tried to re-open the dispute but have not received a response from Best Buy Credit Services. Please help me get this matter resolved. I am asking for {$75.00} " free '' delivery charge be credited to my Citi Best Buy Visa card. Let me know what additional information/documents you require to make this happen. 
Thank you, XXXX & XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have sent over 5 letters to Equifax, XXXX, and XXXX - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (OH)

I initially contacted this company on XX/XX/year> regarding " missed/late payments ''. Payments were made for the months that reported as late/missing, and on this initial call they admitted that it was a system error and that this would get corrected on my account and credit report. They give an ETA of resolution of 1-2 weeks for every single request, and when I would call to follow up ( because they wouldn't always reach out themselves ), they would have to put in a new request and provide the same ETA because they did not follow directions on the ticket or the ticket submitter was not descriptive enough for the next department to understand. 

It is now XX/XX/year> and I am still going through this loop with them with no sign of a resolution and am at risk of being homeless at the end of my lease ( along with my wife and XXXX children ) because this is affecting my ability to purchase a house. I need this resolved immediately.
Consumer complaint received 2020-05-28
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: BARCLAYS BANK DELAWARE (CA)

An a unauthorized charge of {$100.00} was made to my credit card on XX/XX/XXXX. After repeatedly writing to this bank and proving I did not authorize this charge, received no goods in return for the charge, and according to banks own terms and conditions I should not be liable for this charge, the bank refuses to remove or credit the amount, gives me a different reason for its refusal each time, will not even sign their letters with a person name or contact. I have proven my point. Ive never had such trouble with a bank in my life. Im XXXX, old, sick and tired of fighting this battle with them! But almost {$110.00} is a lot of money to me. Plus, the principal of the issue is this is a fraudulent, unauthorized charge and I do not believe I am liable for it. Im pursuing a separate claim through other agencies against the so called company that made this charge. I want the bank to stand by its terms and conditions and remove this fraudulent amount!
Consumer complaint received 2020-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXXXXXX  XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX -or- XXXX  Fraud Victim  Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : DISCOVER BANK XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 
Inaccurate Address : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX XXXX XXXX XXXX XXXX ; Inquiries : XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

Good morning - I currently have a mortgage loan with Wells Fargo and I have repeatedly attempted to have the PMI removed from my loan. The first time I approached Wells Fargo regarding the PMI I paid for a brokers price opinion through Wells Fargo and that was a disaster. The broker that came out was not the one that was assigned to generate the opinion, someone else showed up in the persons place took a few pictures and left, needless to say the price opinion was way low. Now I am looking at an option to refinance and I have paid for an appraisal ( XXXX  XXXX  ) which I have supplied to Wells Fargo and they are telling me that I have to use their vendor for an appraisal which I DO NOT WANT TO DO because of my first experience with their vendors ... XXXX besides, isnt this STEERING? I should not have to use their vendors when I do not trust them. 

Wells Fargo maintains that they can not remove my PMI unit I reach the 70  % loan to value. What is even more frustrating is that my taxed assessed value is below the 70 % loan to value. 

Wells Fargo is taking advantage of people. I have never missed a payment and I tried to work with them. My loan is in good standing. Please let me know what I can do. 

Regards -XXXX
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I had an IRS payment plan through my payroll. For some reason the IRS decided to withdraw from my bank account. It overdrew my account. This resulted in a {$35.00} overdraft fee. I was in the hospital with a bleeding ulcer so I attempted to close my account to avoid this in the future. I was told I had to do so in person. When I tried to resolve this in person, they gave me a phone number to call. When I contacted them the charges where disputed. When reviewed they disallowed the dispute and turned it to collection. The {$86.00} is now {$260.00}, which I offered to pay the original {$86.00} to no avail.
Consumer complaint received 2020-05-28
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 (NC)

PayPal Inc. has put limitations on my Paypal account/wallet 3 times in 6 weeks. Each time they are asking for the same information, A photo Copy of my ID, and receipts from my vendors for items which I have sold. Each time I have submitted the same information and they have lifted the limitations after around 7 days. During this time I have been trying to transfer my funds from my Paypal account into my linked personal bank account to pay bills. On XX/XX/2020 after my account limitations were lifted I tried to transfer funds. Paypal put a hold on the transfer and then the same day they had lifted the limitations, they limited them again and denied my transfer! They are now asking for the exact same information I have already submitted multiple times, which resulted in a 7 day wait and ultimately a lift on the limitations and then another limitation being placed as soon as I try to access my funds. I have reached out to Paypal in a chat, which is the only way you can communicate with them right now. Paypal has refused to have someone look into my account and will only tell me to keep submitting what they ask for. Which is getting me nowhere. I am afraid they are doing this to many others and at a time like this there is no excuse for withholding their account holders money. Please look into this so I can pay my family 's bills. Thanks, XXXX XXXX ID - XXXX, Reference ID - XXXX, Reference ID XXXX
Consumer complaint received 2024-11-02
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

In XXXX of this year, Synchrony closed my first account to XXXX XXXXXXXX  with no forewarning. It was 8 months since I had used it and was ready to get more XXXX XXXX  done & to my shock, they closed it with a high credit limit. Gone- My credit score dropped a lot due to this I, like probably millions of other had the same thing happened to them, they shut our credit cards off with zero warning. XXXX XXXX never reached out to me, never sent me any email or notification that they were going to close my account. I have other card that if I dont use them for a certain period of time, they gave me the heads up so that I could spend something on it and keep it open. When I found out that it was already closed, I called them & asked them why because I was going to get ready to use it in about a week with a new XXXX I got all kinds of different answers. One lady told me it was because of " lack of real estate ''. what, is this even a thing? Apparently, I don't own a home so that's some excuse they gave me. which is absolutely ridiculous cause I haven't owned a home since XXXX this is the worst company ever that they are unilaterally allowed to just shut off credit cards for no reason and ruin peoples credit. I never was late with them, never missed a payment, I was a good cardholder, and this is how they treat me and millions of others. Now, a few days ago, I am shopping online with XXXX XXXX and go to use my card again, and closed - no explanation, same exact scenario. I call and understandably I am heated. I speak to 3 agents that gave me their Id # 's, a couple reused, one hung up on me. I finally get to a manager, XXXX XXXX XXXXXXXX & what happened, same script- I made him read the letter to me. Same as last- I have student loans ( never late, no delinquencies ). # XXXX on it- no first XXXX. WTH? I made him read that 3 times to me. When is someone not worthy of their credit card if you don't own a home. It was about XXXX} that I lost from my avail credit. I was looking to purchase a home and the drop in my credit score was so drastic from them, I have to now wait until I can get my score up again. I attached the card # for XXXX XXXX- but sleep number was electronic and didnt have a physical card. The letter I attached shows the sleep number information
Consumer complaint received 2020-05-28
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: UBS BANK USA (FL)

After considering the benefits of the UBS Bank XXXX XXXX card, I decided to call the main customer service number and inquire about the process of application, benefits and welcome offer. The male agent explained me all the benefits, took my information to send me an application packet, and explained me there was a welcome offer of XXXX points after spending {$3000.00} in the first three months. I figured it was an all around attractive package so I signed up for it. After meeting the required spending, UBS only award me XXXX points instead of the promised XXXX which can be found in the recording of the call. I called customer service about it on 2 different numbers, but nobody knows anything about it. I also emailed Mr XXXX XXXX directly and he never replied to me. The second problem I have is that I have not been able to use 2 of the advertised benefits of this card, the Visa XXXX Hotels program and the XXXX XXXX passes. I keep hearing there's a problem where Visa XXXX doesn't recognize my card, but it's been 2 weeks and I'm frustrated with this bank. Anybody reading this, please stay clear of UBS. They clearly run a bait and switch operation. I don't even know how they're able to legally operate in this country.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Account was suppose to close at the end of XXXX I received a letter. Subsequently postive funds ntered that account in XXXX. I called the bank and they could not help. 
The information given was that the account had to close before I would receive funds this is a restricted account and no further information could be given. I inquired about when the account would official close and was told this information was not in the file and could not be given to me I asked if I could receive those postive funds which isn't a lot of money, {$300.00}, and was told no I could not get funds from bank branch, Other funds tried to enter that account and failed not sure why these funds were accepted Extremely not pleased with this situation as we are in a pandemic and not working.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

On XX/XX/2020 I was scammed by XXXX XXXX. He/she told me that they will sell me their XXXX  account for {$100.00} through XXXX. Upon receiving the money, they never replied. I never received anything in return. They quit communicating with me, once they got the money. 

XXXX XXXX told me to write in the description of the transaction " selling account to XXXX  '' so if I was to scammed by him, I will show that as a proof. But upon calling XXXX, I was told by them to contact my bank as I used my bank account and routing number, which is the XXXX  XXXX XXXX. I use my bank account for most transactions to reduce the charging fees. Using debit/credit charges extra fees. I called my bank and they offered me temporary credit until they further investigated into this matter. But last week, I was told by my bank that they can't help me and they'll be taking back that money as they found out that I did authorize the transaction. I already did tell my bank before the investigation that I authorized the payment so I can get what I paid for by the seller. Which I never got anything in return and was scammed. Also, my bank told me they tried to contact jade menage 's bank and never got any feedback so they gave up on the investigation so it wasn't a successful one. 

Now a little about me, I'm a XXXX XXXX seeking XXXX  in XXXX  at XXXX, that recently XXXX  with an XXXX  with XXXX XXXX and XXXX  from XXXX, XXXX, also I'm an XXXX XXXX XXXX, as a civilian I'm XXXX  on opening XXXX XXXX soon as a XXXX XXXX XXXX. So, now you can see I'm a highly motivating individual that not only is ambitious but also likes to help the community by giving something back. I want to become a XXXX  and XXXX XXXX  XXXX XXXX. I also like working out and stay fit, can't wait to start XXXX XXXX XXXX once the COVID-19 is over. I joined XXXX XXXX XXXX last year at XXXX  years of age, making me the oldest person in my XXXX. I was also one of the people with the highest PT score in my XXXX  regardless of my age, I was competing with these XXXX year olds in anything competitive. 

Meanwhile, people like XXXX XXXX are making a living by scamming people and not working hard. Based on his bank account, he's from XXXX since I can see his payment was converted into XXXX dollars. He has not replied to any of messages once he scammed me. 

I want to walk the extra mile and solve this issue. I want to prove that doing the right thing shouldn't be a problem. I'm going to attach all the convo and transaction pictures to give you a visual as to what really happened. So you see both sides of the story.
Consumer complaint received 2020-05-28
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: DISCOVER BANK (TX)

My credit card was used without my knowledge or permission and multiple charges were made on my card that I did not authorize. I reached out to the company and was advised that due to fraud I would not be responsible for charges but recently checking my credit I saw the charges on my card and no one is assisting with my issue. My credit card information, id, and phone were stolen and charges were occurring on my cards. I did not immediately notice this because I was not able to check my account due to my information being stored on my phone and I was getting ready to leave for a work trip. On the trip I noticed 2 of my credit cards missing but I did just assume they were home and did not know they were being used. 
XX/XX/XXXX XXXX XXXX  XXXX  {$150.00} XX/XX/XXXX XXXX  XXXX   XXXX  {$180.00} XX/XX/XXXX XXXX  XXXX  XXXX {$150.00} XX/XX/XXXX XXXX  XXXX  XXXX  {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$17.00} XX/XX/XXXX XXXX XXXX  {$130.00} XX/XX/XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX  XXXX  {$21.00} XX/XX/XXXX XXXX SC {$100.00}