davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (OH)

My mother passed away in XXXX of XXXX. I went to the bank with my mother after my father passed away in XXXX of XXXX so that I could be added to her checking and savings account. I managed my mother 's finances for several of the years following my father 's death ( I wrote checks, made deposits etc. ) and was never advised that I was not on the account. After my mother 's passing and all of her bills were paid, there was XXXX left in her checking account. I attempted to close this account at two different branches. The first branch ( XXXX, OH ) told me I could not close the account because I was not on the account. I had my mother 's death certificate with me. I couple of months later I received a notice from the bank that the account was going to start to be hit with fees. I then went to the XXXX OH branch where they told me I had to make an appointment to close out this account. I went back a couple of days later and met with an associate and I explained the situation and I provided my mother 's death 's certificate. The associate told me she would contact me if there were any issue with closing the account. I heard nothing. After that date my mother 's statement came with DECD after her name but the account was still open ( with XXXX in it )! In XXXX a {$3.00} Check Images Statement Fee was assessed to the account and funds were transferred from somewhere??? to cover the fees. Additional fees were assessed in XXXX. Around XX/XX/XXXX I received a statement for XXXX where I saw all of these transactions. 
I then called their customer service line and was told that the transfer was coming from a Line of Credit which was actually an overdraft protection account. At that time the agent advised me that I was on the overdraft protection account but not on the checking account. How is that even  possible???? The agent then told me, I had to send a letter to a different department ( Channel Services-Notice of Death Team ) to close the account. She also told me that there was a copy of my mother 's death certificate on file. I mailed this letter in XXXX of XXXX. I was also advised that the Line of Credit statement was being mailed to an address that I lived at over 7 years ago. I never received any contact or letter back from the bank after I sent the letter. 

In XXXX I received a late notice and a threatening collection letter from the bank for the overdraft account. I called the collection department and was advised flat out that they could not help me. He said he has no idea why anyone would tell me to send a letter because an account can only be closed at a branch. I refuse to make another trip the the branches as they show absolutely no interest in closing out accounts!! I have wasted hours of time to get this account with XXXX XXXX left in it closed. It's ridiculous. 
My final straw was this week when I Late payment was added to my credit report by the bank!! My credit score was well over 800 and now it is not. This must be corrected ASAP.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — Store credit 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 (NY)

I was charged for balance transfer fee that was rejected by the discover credit card company. 
The charge appears on my statement of XX/XX/2018 and the balance transfer was rejected after they find out there was a suspicious transactions with my credit card. 
I tried to contact the company several times, i was played around, being transferred by every customer service rep ever since the transaction took place. 
I was promised adjustment to the account but the issue was never resolved. 
I never used the money and the money has been credited back to my account but i was charged for a balance transfer fee of {$81.00}. I would like my money back. 
Not to mention the lack o respect and disregard for customers, XXXX representatives, being transferred around like a kid. My account has been closed and i need the money to be refunded in a form of check asap. 
Hopefully i can get help with your assistance. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX   FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX
Consumer complaint received 2020-03-09
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. (AR)

This is the first time my identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw a outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

DPT EDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$840.00} XXXX  XXXX {$1900.00} XXXX XXXX {$840.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX   XXXX {$280.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$770.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$180.00} XXXX   XXXX {$340.00} XXXX XXXXXXXX {$1100.00} XXXX   XXXX {$13000.00} XXXX XXXX XXXX {$1000.00} CES XXXX {$4900.00} XXXX XXXX XXXX {$740.00}
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$7600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

PAID off my XXXX XXXX credit card on XX/XX/XXXX online. Got email from company that payment had been applied to my account and posted to my account on XX/XX/XXXX, and was POSTED and withdrawn from my checking account on XX/XX/XXXX. Mind you, there is no disclosure on the email or anywhere on the website advising this is a policy and that there would be a hold on these payments, and in the past, my payments have always applied and been available immediately, or the next day at the latest. Even a {$2500.00} payment made 2 months prior was available the next day. So, when i tried to use this card on Tuesday, XX/XX/XXXX, it was declined. i was very confused so i call the company, and i was told there was a hold on the payment and he wouldnt advise why and that it was just their policy that it has a 7 day hold before the avail credit is avail. Waited until next day, XX/XX/XXXX, and still nothing avail. Called again, as i paid the card off to book a family vacation, that the price is increasing daily, only for the manager to advise me, that due to the amount of the payment, being out of my normal payment amounts and algorithm different, even with the {$2500.00} pay prior, that their policy is these larger payments require a 7 day hold, and due to the amount there was nothing they could do to release the hold, and i am basically penalized for 7 days, and cant use my card to book my trip, until after the 7 days!!!!!!!! and due to the high limit of the payment, it wasnt even in her limit to release the hold!! i am beyond distraught about this awful policy! and being able to book my vacation, that is increasing daily!!!!!!!!! I work for a fortune 100 credit card company and have never heard of such a policy, or was even disclosed this info!!!!!!!!!! How is this legal??!?!?!?!?!?!
Consumer complaint received 2018-02-22
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. (MO)

I performed the following actions when applying for a Chase XXXX credit card : 1. In early XX/XX/2018, I was in the process of purchasing two round trip tickets from XXXX  XXXX to XXXX XXXX when I saw the application link for a Chase XXXX credit card. The link clearly stated that I would be reimbursed {$100.00} toward the cost of my flights if I completed an application and made a purchase with the card. 

2. I followed the link and completed the application process. 

3. I was not provided instant approval and postponed my purchase pending receipt of a chase credit card. 

4. I received my card on XX/XX/2018, and completed the purchase of my flight tickets on that day. 

5. I met all the requirements listed on the application link to receive a {$100.00} statement credit. However, there was not a credit on my XXXX statement from Chase. On XX/XX/2018 I notified Chase of the issue. 

6. I exchanged numerous emails with Chase, however, they refused to provide my {$100.00} credit and have provided no explanation. The response I received was : " We're sorry for the inconvenience caused. It is not our intention to make it difficult for you to earn enrollment bonus offers on your account. We'd like to share with you that there are offers only available to customers on XXXX who are in the process of purchasing an airline ticket. The offer may be presented in a banner advertisement after the customer has selected to purchase a flight. '' In good faith I tried to meet all the requirements of the Chase credit card offer. Chase has refused to honor the offer terms. The explanation from Chase is that I should have filed the application on XXXX while in the process of purchasing an airline ticket. That is precisely what I did do.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I was discriminated, racial profiling and not allowing access to my banking account at Wells Fargo three times. I am a XXXX-year-old XXXX XXXX, XXXX, XXXX citizen who has been banking with the same account for 31 years. 
I have no negative marks on my account such as overdraft and I have never in 31 years deposited a bad check into my account. 
On XX/XX/XXXX at approximately XXXX at the Wells Fargo Bank . I was discriminated against and racial profiled for the third time. I tried to do a simple deposit into my account and was denied access to do the deposit. I was told by the teller she would not do it because she did not feel comfortable with me depositing the check into my account! I then ask for her supervisor and she refused to do the deposit also. I had proper federal and state id and my bank card, but because of the color of my skin I was told three time they would not do the deposit. So, I took my deposit check and put it into the ATM and made the deposit. The ATM machine did not care what color my skin was it just needed my bank card and pin number. I filed a complaint with Wells Fargo customer complaint department a complaint for discriminating against me, racial profiling and not allowing a customer to do banking or have access to my account! 
I received a complaint number from there customer complaint department and was told they would investigate my complaint but they did noting. 
Finally. This is XXXX and as a XXXX man in XXXX I sill don't have the right to go into my bank and do business! My account is in good standing and on Monday XX/XX/XXXX a Wells Fargo bank rep. told me the policy for deposits are simple : State or Federal ID and account number and If they can not verify a check, they will still deposit it and just place a hold on it. I was denied my right to deposit my check into my account based on the color of my skin not because I did something wrong.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX of XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX XXXX. They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XXXX of XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XXXX of XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XXXX of XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve it.
Consumer complaint received 2018-02-22
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. (FL)

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXX CT XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX. XXXXXXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received an email that my bank account balance fell below {$25.00}. Upon checking my account balance I saw there were unauthorized transactions. There were 4 cash withdrawals for {$100.00} and one for {$42.00}. I immediately called Bank of America and reported the fraud. The associate at Bank of America was able to spot everything without me having to explain it and put in the claim. He told me there'd be a temporary credit issued and when everything was done the temporary credit would become permanent. 

Approximately 2 months later having not received any correspondence from Bank of America they reverse the temporary credit and denied my claim. When I called to question why they did this they said they couldn't find a single transaction for the total dollar amount. Despite it being several transactions and their employee is the one who found them and put them in the system they were unable to identify the transaction. 

At that time they opened another claim and the Bank of America associate put in each individual transaction and gave me the same speech that this would be a temporary credit that wants to process with simply did it would be a permanent credit. 

On XX/XX/XXXX I was notified that they denied my second claim. When I called in to find out why they claimed the transactions were authorized by me and that my account balance never fell below {$2500.00}. I never had anywhere near {$2500.00} in that account. When I pointed that out to the associate on the phone they said they were not able to find when my account fell below {$400.00} despite me having received an email that says the balance fell below {$25.00}. 

When I explain to him that I was at work all day over an hour and a half away from where I work. So he asked me to fax in my timecard showing I was at work. I did this. I called 3 days later and there is no notes that he opened my claim for reconsideration. 

Everyone I talk to someone at the bank they say their investigators review all the information and make the determination. They say they can't pull the cameras on the ATM to prove that it wasn't me. So there's nothing I can do but have my money stolen because Bank of America denies my claim despite the fact I did not authorize these transactions.
Consumer complaint received 2018-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

In XX/XX/2018 I received a call from IC SYTEMS INC when I was told by one of there agents that I owed a collections account in the sum of {$690.00}. The agent went into the details of the account to state that this account belonged to me. I stated that I do not remember anything about this account & it is not mine. I have since received a VERIFICATION from IC SYSTEMS INC that they used to say this account is mine. The only problem is that the SIGNATURE on the VERIFICATION info used IS NOT MINE!!! This IS NOT MY ACCOUNT & the SIGNATURE on there verification IS NOT MINE. This has to be some type of fraud or identity theft. Please at once remove this collections account completely from my credit report. I will be submitting proof of my signature along with the verification used by ics systems. You can clearly see that the signature ics submitted is not mine
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

The problem is with PayPal cashback credit card. I was sent this credit card for both me and my daughter on XXXX. It was a replacement for lost cards. Representative " XXXX XXXX said that I would receive both new cards in 7-10 business days. He said it would be the same acct. numbers but different expiration dates. A new pin number will be sent under separate cover following this action. Both lost card numbers ended in XXXX. I received the replacement cards ending in XXXX sometime in XX/XX/2021. I never received the pin number. On XXXX XXXX I activated and registered this card with a Paypal representative who said that I had to have a new pin number first. She gave me a number to call it was a wrong number. To cut to the chase, I had spoken to several people who sent me on a wild goose chase. It all came to a close when I got to speak to a supervisor who said she will send a letter and a code to whoever and I should continue to wait for any response from Paypal concerning a new pin number. But she also said I could still use the cards as credit while waiting. I tried to make a purchase that afternoon, and was told by the merchant at the cash register my account was closed. Please assist.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certegy Holdings, LLC (PA)

I have received numerous letters in the mail, along with phone calls, from a company called Certegy Payment Solutions , LLC, out of XXXX FL, since XX/XX/XXXX, requesting collection of two unpaid amounts to XXXX XXXX, for web services. They continue to harass via phone and mailings. I have checked my account statements and GoDaddy.com account, and the payments were auto-drafted on the stated dates, XX/XX/XXXX and XXXX, XXXX. 
I have had XXXX services since XXXX, and have my payments auto-drafted from my account. On XX/XX/XXXX, I contacted the billing department of XXXX to get further information on the issue. Billing stated they do not send out any debts to collections agencies, only terminate accounts when unpaid. I was informed, companies like this steal information from websites and create false paperwork to fool people into sending in money without any investigation into the matter. 
This is a scam and disregard all mailings and calls. I have asked them to stop via mail and phone three times, but they continue to harass with false information, using my bank name and XXXX within their mailings and phone calls. On XX/XX/XXXX, Certegy Payment Solutions attempted another phone call and I was able to speak to one of their representatives, who was requesting my full social security number. 
I have full proof of full and proper payments for XXXX services and this is a terrible and deceitful scam to consumers.
Consumer complaint received 2020-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERIS BANCORP (FL)

XXXX XXXX was bought out by Ameris Bank.Since the change unexplained overdraft fees have hit both my business and peronal accounts. When attempting to view my accounts via mobile banking balances are inaccurate not including all check card purchases that should be pending. My business account was unable to be viewed for a month during the switch which was completely inconvenient. I was also charged multiple overdraft fees for the same item that only came out of my account once. There are also no working ATMs in my area which means if the bank is closed I am unable to make a deposit into my account. This is a huge inconvenience considering I am working during normal banking hours. I truly believe that Ameris bank is manipulating how transactions are posted in order to collect overdraft fees. I also believe Ameris bank is limiting what the customer can view via mobile banking in an attempt to collect overdraft fees.