davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Bank pre approved me for a XXXX XXXX card and set my limit at {$7600.00}. With my XXXX score at XXXX, I figured this was about right. 
Then I got a letter from : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX They wanted additional information to verify identity. Please call our office at XXXX any time between XXXX and midnight est, 7 days a week. Thinking I was calling Florida, although Synchrony is located just down XXXX XXXX from me in XXXX, XXXX, I got a person at Synchrony 's XXXX number with a strong accent. Difficult to understand, and then I asked where he was located. He say in the XXXX. Well his XXXX and my XXXX were not a good match, and I eventually had to hang up the telephone as I did not understand " XXXX. '' 24 hours later I called in the hopes of getting a very good English speaking person, and I got " XXXX. '' Not much better, and he told me I had to go to www.verify.syf.com and only with a smartphone. Synchrony wanted me to put my identity on the internet, was it secure, I have to assume so, but many questions ... Their app at verify/syf.com could not read the barcode on the back of my drivers license, so now I have been locked out of this way for identity. 
I told XXXX that I have been doing business with Synchrony Bank through their XXXX XXXX, as I have been a Synchrony Bank XXXX Card Holder for years. He said different department, not good here. 
I tried to explain to this person that Synchrony is Synchrony and issues many different cards, and I am in the system. My explanation fell on deaf/ignorant ears. XXXX./ XXXX, XXXX XXXX Connecticut XXXX Florida XXXX come Synchrony Bank and learn customer service. This is a story for XXXX XXXX of Synchrony Bank, formerly XXXX XXXX, who I've seen many times in XXXX at XXXX. 
This is the service we get in the USA now, inexpensive labor unable to communicate with customers, but is it good for the EBITA for this bank?
Consumer complaint received 2023-01-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION (PA)

Hello, Here is the requested information : I opened a 2.0 % high-yield savings account with Alliant ( XXXX XXXX ) in XX/XX/XXXX. A deposit of {$620.00} was transferred into this account on XXXX XXXX XXXX XXXX XXXX I attempted to establish my online account ; however, the authentication process failed. When I called the Customer Service line ( XXXX ) in late XXXX, I was advised that a supervisor would need to solve my issue. The XXXX XXXX told me someone would call me back once those positions started, around XXXX XXXX XXXX. No one called me back. 

In a 2nd attempt, I called back in early XXXX and was told the same story : the person I was speaking to couldn't help me, but they would have a supervisor call me back. At this point, I still have no access to my savings account and can not confirm that the funds are there. No one called me back. 

Deciding that the customer service was lackluster and the company was no longer trustworthy, nor worth my time, I opted to close my account. After waiting the required 90 days, I called the XXXX line again on XXXX XXXX XXXX XXXX and went through the steps with the XXXX XXXX to close my account. I was advised that I would receive an email from the department that handled account closings, typically within 2 weeks. No email confirming my closed account came to my inbox. I called back on XXXX XXXX XXXX XXXX to confirm that my account was closed and clarify the following steps. I was again advised I'd receive an email and that a check would be sent, as well. No email or check has arrived. 

Then, on XXXX, I received my first statement in the mail from Alliant. It stated that my account was closed on XXXX and that the balance was XXXX. Withdrawals totaling the original amount I deposited were withdrawn on the same day. No interest had accumulated and no check was included with the statement. 

As you can imagine, this is incredibly frustrating. The amount in question is only pennies for a financial institution but is a ticket to more security for me and my family. 

Thank you for taking my complaint and for providing this service. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

Debit card gets put on fraud block and i can not use it for anything, support refuses to verify me under the basis that the number isnt in my name under public records however, me making a purchase on XXXX is what tripped the fraud system
Consumer complaint received 2023-01-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: LCS FINANCIAL SERVICES CORPORATION (TX)

XX/XX/XXXX I had answer to a phone call with XXXX XXXX telling me I will have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXf I havent pay my debt that I am a XXXX  % sure I do not owe because the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I started to make payments with LCS Financial services Coroporation because I was unaware being young of the age XXXX that I didnt want to do XXXX XXXX so I started the payments and also was questioning if I am going make these payments then I want to at least have my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX said they couldnt help me with that but to try contacting to see if you can find your car and when I was contacting to see where my car at, I talk with someone that knew there rights about the situation that was going on and told me to report this matter to credit bureaus because my car is already charge off and I should not owe no money to no debt collection
Consumer complaint received 2023-01-10
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)

This is a request to verify the documents used to publish these account to my credit report. The FCRA requires that specific documents be provided to the credit bureaus in order to publish item on a persons credit report. This is a official request to produce the documents used in order to do that. The original wet signature must be included. Please forward all document to my address listed.
Consumer complaint received 2023-01-09
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. (NC)

I submitted a claim on XX/XX/2022 and some accounts came back as verified which I know is incorrect. I never gave my permission for this information to be furnished which resulted in my privacy being breached. This is another violation of my consumer rights.

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation, I was never given the opportunity to deny this information being reported to my consumer report. This is in fact a violation of my consumer rights.

Pursuant to 15 U.S. Code 1681 ( a ) ( b ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate are categorized as unauthorized use of a credit card due to the fact that a person other than myself, the consumer, received a benefit from the extension, or lack thereof, of the use of my credit. 

I need your company to furnish a detailed documentary with evidence of public and private communications to see who received the benefit from the use of my credit. 
I also need to see a detailed documentary of how the reinvestigation was done and how each account came back as valid and by what means. I need to know exactly who you spoke to with the name and address of each individual. 

If this information can not be provided, I demand each account be removed effective immediately. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (GA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. this account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$38000.00}
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reach Financial LLC (IL)

In XX/XX/XXXX I decided to seek help with my finances. National Debt Relief referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I enter an agreement with them to settle my debt. Everything was all good with them. It wasn't until XX/XX/XXXX that things with left. Someone called stating that one of my creditors were not willing to settle and my credit is still getting worse so we can take care of it for you. Ok was my response at the point I am wanting everything to just go away. So now I am with XXXX XXXX XXXX and a monthly payment is being made. At this time, I was asked to send a notary authorization for 2 of my accounts ( XXXX and XXXX XXXX ). Me not realizing that these 2 accounts were taken care of by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  So I start paying XXXX XXXX from XX/XX/XXXX until XXXX. At this time it went from me paying XXXX XXXX to XXXX. I did not receive anything saying that it was a change and now I am paying way more than my bill was at XXXX XXXX and XXXX XXXX which them combine was less than {$5000.00}. So I canceled paying Reach ( whoever they are ) and being harassed by them daily. I feel like right now they owe me because XXXX XXXX and XXXX XXXX were on my original agreement. What I started out owing was less than {$20000.00} ( with the settlements was half of this ). Right now I'm over {$25000.00} with these Reach people. I was trying to get information was unable to retrieve information from XXXX and can not. I do not know who Reach is. I do not want to give them no information. I want my money back.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After the account was frozen, the balance is XXXX the money also was stolen. 
The reason why the bank refused to pay compensation was that the equipment I transferred was the same as the usual equipment, but the money was not transferred by me, and the account was frozen, so I could not transfer it myself. 
I asked if the investigation was wrong. The staff said that it was necessary to prove that the mobile phone had a virus! 
There is also a savings account, where money is stolen back and forth
Consumer complaint received 2016-07-13
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (PA)

5 calls within 6 hours ( from XXXX to XXXX ). I have snapshot of calls on my phone. This is my sisters debt that I cosigned via Sallie Mae for school loans. They know I am not primary. She did not receive any calls today. She has scheduled automatic monthly payments with them that come out on XX/XX/XXXX ( today is XX/XX/XXXX ). 
XXXX XXXX is the number that called and XXXX was the name given on the voicemail. 
As a night shift worker who sleeps during the day these calls were extremely disruptive and I am quite annoyed that despite numerous communications via my sister and I they continue to 'prematurely ' harass me for a payment that is not even due yet. Hopefully this complaint helps rectify that. Thank you.
Consumer complaint received 2023-01-10
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. (CA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (VA)

I signed up for Chase XXXX XXXX in response to an advertisement indicating XXXX points on XXXX XXXX ' frequent flyer program if I spend {$2000.00} within 2 months. However, i never received that XXXX points. when i called Chase to inquire about my point status, they told me it takes 3-4 months to update in the system. So I called back a month later ; Chase told me that my account actually was n't set up to receive that offer but instead it was {$200.00} credit and XXXX points, which was COMPLETELY DIFFERENT FROM THE TERMS OF THE DEAL I SIGNED UP FOR. Chase also told me that since i called back later than the 3 month time period, they ca n't change it back to the offer that I agreed to. THIS IS FRAUD. THIS IS PURE DECEIT. 

I have estimated the monetary value of this fraud. They cheated me out of XXXX XXXX XXXX point. The cost of a XXXX round trip XXXX miles, which costs about {$150.00} as a regular ticket. The XXXX miles they CHEATED me out of corresponds to about XXXX such round trips, which has a monetary value of {$1200.00}. I am absolutely livid and furious with their FRAUD AND THIEVING DECEIT.
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midstate Collection Solutions, Inc. (PA)

I would like to report an unfair debt collection from XXXX XXXX XXXX XXXX Round XXXX XXXX XXXX XXXX IL. I had been a resident of Smile student living from XX/XX/2021 to XX/XX/2021. It was my first time staying in the United States and I was made to pay around {$1200.00} as a non-refundable deposit to Smile student living ( for the purposes of cleaning and damages once I move out ). After I moved out I was sent a notice to pay {$650.00} by XXXX XXXX student living saying it was for cleaning charges. My lease did not mention anything as such since I already paid the amount before moving in. When I asked for an itemized bill for the additional charges and the bill from the companies they claimed to have hired ( for cleaning, repair, etc ) for the said {$650.00} charges, they did not send it. A couple of months later I received a notice from XXXX collection solutions instructing me to pay it. I contacted the student legal services at XXXX and they said they would talk to the XXXX collection agency. After that, I did not receive any notices from them. However, all of a sudden my XXXX XXXX went down by XXXX points today. I do not understand what to do about the situation.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made TransUnion aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked XXXX Texas Debt Collections XXXX website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas XXXX XXXX XXXX XXXX which prohibits a XXXX-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a XXXX bond and file a copy of the bond with the Office XXXX. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (CA)

Years ago I applied for and received an XXXX XXXX XXXX branded credit card. When paperless statements were made available, I signed up. I always had at least 2 years of ELECTRONIC statements available to me. One day, XXXX CANCELS my XXXX XXXX card with NO WARNING and switches to Citi Visa. I have made XXXX requests on the Citibank site to retrieve my credit card statements from XXXX XXXX to XXXX XXXX. The website says the statements will be available in 48 hours. They are NOT. No email. No notice. It 's like my entire history of XXXX XXXX has been wiped away.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (TX)

I have had a credit card with CitiBank since XX/XX/XXXX. Unfortunately, I missed the first payment because I was not accustomed to having another payment, and they raised the interest to the penalty rate 29.99 %. From that point XX/XX/XXXX, I have had on time payments. They have only reduced my interest rate to 28.74 %. When I questioned them, they said it was their prerogative when to lower it. 
I thought after 6 months of consecutive on time payments they had to return it back to the pre penalty interest rate? They refuse to talk to me, and only direct me to " send it in writing '' to a generic PO Box address.
Consumer complaint received 2023-01-09
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. (PA)

XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX 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 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.
Consumer complaint received 2023-01-09
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. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim ofidentity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation andapply their company policy to treat this as a dispute. In fact, when I called them, they stated that theirpolicy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block thereporting of any information in the file of a consumer that the consumer identifies as information thatresulted from alleged identity theft, not later than 4 business days after the date receipt by such agencyof- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) theidentification of such information by the consumer, and ( 4 ) a statement by the consumer that theinformation is not information relating to any transaction by the consumer. I submitted proof that mysocial security number, fingerprints, birthdate, addresses, and other identifying information wereaffected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all therequired documents per 15usc1681c and yet the CRA has failed to block this information and it has beenover 4 days. Again, this is NOT A DISPUTE. 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (NJ)

Experian/XXXX  and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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