davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/2023 Synchrony Bank used phone number XXXX to call me regarding a past-due bill. At this time, I explained the them my situation and told them that I would make a payment as soon as I was able but that at that time I was not able to make a payment. I asked them to stop calling me during that call. On XX/XX/2023 they called me again regarding this debt. 

In addition, I was under the impression that they could not call me to speak with me about a particular debt for seven days after having a conversation about it.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One charges me annual fees on a closed credit card and in spite my efforts of having these fees waived since the account is closed they keep on charging me for it. Besides, just today they added a new late fee of {$40.00} to my account and refused to reimburse me. The APR is variable and has gone up five times in the past year.
Consumer complaint received 2018-10-28
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: AMERICAN EXPRESS COMPANY (AZ)

American Express Serve Card- 45 transactions were made over night between XX/XX/2018. Woke up to a negative balance alert on my phone, shocked because I had just got my direct deposit the XX/XX/XXXX, i quickly contacted the bank and because some of the transactions were still on hold. Outrageous amount were charged, XXXX , {$60.00}, XXXX , etc .... amounting to a total of XXXX . My transaction alerts didnt even work or alert me. I sent in the declaration of fraud right then and then and am still at it, since XXXX. I have again began the dispute and still am getting broken links to upload the documents, even have faxed the paperwork various times to the numbers provided. Also filed a identity theft report and sent it to them too along with copies of emails with the merchant, who also acknowledge that the account that was used to purchase the gold coin packages for that establishment was indeed made with a false name and email. To this date I continue to get the runaraound.
Consumer complaint received 2018-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

Hi, How are you? 

I have been getting calls from XXXX  XXXX for the last two months regarding outstanding debt on a XXXX XXXX XXXX account. I picked up the phone one day and let the caller know that I have never held such account. The caller hung up and I stopped getting calls. Then, XXXX XXXX started calling my family members. I just went on XXXX XXXX to check my credit score, and noticed two accounts opened within the last two months that I completely do not recognize. One of them is a XXXX XXXX XXXX XXXX XXXX account opened on XX/XX/2018 with outstanding balance of {$7300.00} and the other is XXXX XXXX XXXX with outstanding balance of {$400.00} opened on XX/XX/2018. Both are not my debt and accounts I have never opened. Please help me resolve them, thank you. 

Thank you!
Consumer complaint received 2023-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (KY)

Caine and Weiner are reporting a debt from Progressive Insurance to the credit bureaus.. I've NEVER had Progressive insurance. Remove this immediately or I'll seek damages bureaus you are responsible for what you report.
Consumer complaint received 2018-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OR)

Hello, I opened up a Citibank Account Package on or near XX/XX/2018. This included both a checking and savings account. During the opening process, I included a bonus code XXXX, which provided a {$400.00} account bonus if {$15000.00} was maintained for 60 days. This promotion was open during XX/XX/18 to XX/XX/18, although it appears to be an active promotion. On XX/XX/2018, I deposited {$15000.00} into the account. On XX/XX/2018, the 60 day requirement was achieved. Per the terms with Citi, Citi had up to 90 days to properly fund my account with the {$400.00} bonus. After numerous attempts to confirm my account was in good standing and eligible for the promotion, I was able to finally speak with a CSR at Citi to confirm everything was set for the funding of the bonus by XX/XX/XXXX. Today is now XX/XX/XXXX. I attempted to contact Citi again to ask for the delay with no appropriate explanation. After being on the phone for about an hour on hold, I've decided to give up attempting to contact Citi in an appropriate way. This has gone beyond a reasonable attempt to reach this bonus.
Consumer complaint received 2018-10-27
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. (IL)

I disputed 2 collection accounts with XXXX XXXX XXXX. I tried in XX/XX/2018 and XXXX XXXX XXXX tried in XX/XX/2018. After notifying them to let them know that I need validation, when I disputed I was told that they don't validate the information they verify address, name, social security no, and ask the creditor if it's accurate. To my surprise, asking the creditor or debt collection is it accurate and they placed it on there is eliminating my right as a consumer to have an investigation done that seeks validity of the debt per Fair Credit Reporting Act. 

The account is NOW stating that it's open, and per a previous report it was showing as closed. No address is given for XXXX XXXX XXXX and no phone number is given on the report to address the validation with this collection agency. I asked Equifax around XX/XX/2018 to do a full investigation of the account and I have disputed it again with them today.
Consumer complaint received 2018-10-27
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. (NV)

I recently obtained a copy of my credit file and noticed that the information reporting is inaccurate. I contacted all three bureaus and expressed my concerns. Two of the three bureaus removed the items and Equifax did not. I sent a copy of the investigation results from the other bureau showing the item had been investigated and removed. According to the FCRA if one bureau finds the item inaccurate, incomplete or unverifiable they are to share that information with all other bureaus and the item should have been removed.
Consumer complaint received 2018-10-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC (CA)

1 ) GreenSky contacted me on my cell phone on XX/XX/18 to inform me that they " needed more information for more loan application. '' 2 ) Since I had never heard of GreenSky, I assumed that the call was part of a scam and told the caller that I had never heard of GreenSky and had not applied to any entity for credit.

3 ) The caller then told me that they had an online loan application with my personal information and that if I had not submitted the application I might be a victim of identity theft.

4 ) Subsequently I've had several calls from GreenSky. I have provided them with a completed affidavit which states that I did not apply for a loan and with a police report.

5 ) On XX/XX/18 I received a bill from GreenSky for a payment of {$550.00} on a balance of {$54000.00}. I called GreenSky immediately and was told that my account had been closed and that this bill could be ignored it was sent in error.

6 ) On XX/XX/18 I recent a letter from GreenSky informing me that the account was closed and that an investigation into the matter had been opened.

7 ) I set up identify theft protection with an XXXX company ( XXXX XXXX ) and notified the credit agencies.

8 ) I continue to receive calls from GreenSky and apparently GreenSky made an XXXX inquiry using my information on XX/XX/2018.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My son, who is in XXXX, used a Vending machine with his Capital One Credit card.He used it 4 times at this machine. 
XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} He never entered a PIN. He never authorized the card to be used as a debit card but yet it was charged as a Debit transaction.He received no cash advance. But was billed {$40.00} for using the card. I requested a reversal of fees as he had no way of knowing of this was being charged as a debit transaction. 

Capital One states that they charge a minimum of 3 % or {$10.00} whichever is greater. This is an absurd charge. Capital One is getting the bulk of this fee. They are taking advantage of a consumer who had no idea of this excess charge. I recommended that they speak with the merchant and reverse the charges but they said no ( as they have no incentive to do that ). 

I spoke with XXXX ID # XXXX. I would appreciate your intervention into this matter and wish to have this matter settled with an official response in writing from someone in Capital One.
Consumer complaint received 2023-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

I have had 2 instances ( XXXX & XXXX XXXX ) where money was sent to Firstmark services to pay off balances at their current times/prices and the money was mismanaged both times ( with admission of mistakes ), resulting in me having to pay extra to get accounts current, extra to pay for the late fees from the initial time of the issue till its resolution, and all while my interest keep accruing and rising. I tried multiple time to refinance to make the payments more manageable but was told my income was too low to refinance my loans.
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

In XXXX of 2022, I purchased a car from US Auto Sales which was financed through US Auto Financing. During the process, I also purchased a service contract and rolled it into my loan. Now, months later, US Auto has " temporarily '' closed and " sold '' my " loan '' to a Westlake XXXX Portfolio. Well, in all of this transition I've found that I do NOT have a car loan -- the car is leased ( not once was the word lease mentioned to me upon purchasing ). I've also found that the vehicle is NOT a standard XXXX, it's a XXXX  vehicle -- which makes my insurance higher. But the absolute WORST part is that now that this company sold my information, the service contract purchased will NOT be honored. And the company pretty much provides us with an " oh well '' and that's that. I filed a complaint with XXXX in which the company simply replied with the fact that they sold the accounts. Hilariously, I received a letter from Westlake confirming that US Auto is indeed STILL my lienholder. With a bit more investigation, I found that US Auto NEVER EVEN PURCHASED THE CONTRACT FROM THE COMPANY WHO PROVIDES THE SERVICE CONTRACTS!!! They LIED and knew it, and STILL had me paying the full amount of my loan. Til this day, I'm paying for a service contract I will NEVER receive. I don't want to have ANYTHING to do with either of these companies anymore! Shame on Westlake for not protecting their customers regardless of length of time being with them, shame on them for NOT investigating the issues they are 100 % aware of. US Auto is fraudulent and Westlake isn't too far behind. My contract clearly shows the amount paid for the service contract ( which is also listed as DEALERSHIP OWNED ), yet I'm being cheated. My contract was very clearly and blatantly broken, I need some kind of resolution! I've been working with a lawyer gathering documents and providing transaction/call dates, I will NOT let this go!
Consumer complaint received 2018-10-27
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: Experian Information Solutions Inc. (CA)

I had made a previous complaint regarding XXXX XXXX because the balance was wrong in your credit report but yet it was right in your dispute center. Went to check again. Your showing that I have one account but yet when I go to dispute XXXX XXXX your showing two accounts. I knew XXXX XXXX was going to be added to my credit report and didn't know when it would be added. Can you please explain why this happening and why XXXX XXXX is not being shown in my report. This all seems backwards twice in a row in a short period of time. I can't see XXXX XXXX in my report but I can dispute XXXX XXXX! Makes no sense whatsoever. I am uploading the information. Please send me an updated copy of my report with XXXX XXXX in it by mail.
Consumer complaint received 2023-07-17
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: National Credit Systems,Inc. (GA)

On XXXX XXXX I contacted National Credit System to inform them that the account they were reporting to XXXX and XXXX were the result of Identify Fraud & the signature on the lease agreement was not mines. I sent them a copy of my Driver 's License and Social Security card with my signature. I ask them to send me a copy of the lease agreement which did and signature is not mine, I then reach out to XXXX and XXXX about the situation and they both have fail to remove the account. Please advise me of how to proceed.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Amazon Prime Store Card with Synchrony Bank, uses predatory tactics to charge high interest charges. When purchases are made to the account under a promotional incentives the purchase price is added to the monthly balance When merchandise is purchased under promotional offers such as no interest for 6 months, that total is divided up and added into your monthly payment. When payments are made to the account the promotional portion of the payment is not applied to the account. Each month I make payments above the minimum payment and I have to call Amazon Prime Store Card to have my additional payments applied to the promotional charge otherwise my payments are not allocated correctly. Recently I received my monthly statement and noticed a interest fee of {$120.00}, my usual interest fee is between $ XXXX {$40.00}. I called Amazon Prime Card with Synchrony Bank and was advised that it was because I did not pay my promotional offer in full before it expired and now it was being added to my payment. I told the representative that I've been making above minimum payments each month and the additional payment should have been applied directly to the promotional offers. After reviewing my latest statement I request all my past statements since 2019 to see how often this had happened. I have also had several issues with returned credits to my account. I mail items back and receive a refund immediately then 2-6 months later I am recharged for the item, Amazon representatives advise me its because the return was never received but the tracking reflects it was sent back. After doing some research I discovered that returns are sent to warehouses where the merchandise sits for months on end and isn't processed. If the ware house doesn't process the returned item then the customer is automatically recharged. I now have to review my past statements for recharges and missing promotional payments.
Consumer complaint received 2019-01-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I sold my house XX/XX/2018 and paid off all my bills. XXXX  XXXX notified the credit bureaus I paid my mortgage off but credit bureaus say they did not. I had my credit report run & they show as of XX/XX/XXXX I made no more payments which means XXXX  XXXX did report to them. I have spent hours on the phone with all of them. They go through my report and finally say they can not help me because they dont know if Im me or not even though they pulled up my credit report with the information I gave them. I even talked to a supervisor who asked me a bunch of questions I could not answer off the top of my head. Like what I owed to bank, credit cards etc. 
I want to buy a trailer but because of their unprofessional behavior my score is bad when it should be excellent These credit bureaus need to do their jobs and quit lying when they are wrong and ignore the problem.
Consumer complaint received 2023-07-17
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: JPMORGAN CHASE & CO. (NC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 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 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (CA)

I recently requested to close my account at TD Bank due to several issues with the bank. Even closing my account has been a true nightmare. To close the account I need a XXXX balance, and requested to transfer the funds to my XXXX account. The original transfer for the XXXX transfers below were returned due to a fraud warning on my TD account which returned the funds back to TD Bank. TD Bank then said they would refuse acceptance of the funds which were returned and send it back to XXXX. However, XXXX has confirmed MULTIPLE times and has provided all necessary documents and confirmations and even ran tracers across all their accounts, and do not have these funds below. I have tried reaching out to TD numerous times unsuccessfully. 

Nobody is able to assist and they keep gearing me to the branch they say it was transferred to XXXX but XXXX is saying they don't have it and nothing appears in my account. TD has not done anything to look into this further and just keeps putting the blame on XXXX. 

Ironically, XXXX confirmed via email this is happening for several customers using TD but it appears TD either doesn't care or not following their own process. They can not tell me where my money is at and it's not a low sum as you can see below. 

The below amounts were allegedly refused by TD Bank and allegedly sent back to XXXX. However, only XXXX can prove it's not in my account and I don't even have access my account at TD Bank. 

XX/XX/XXXX, Transfer {$6000.00} Transfer {$450.00}
Consumer complaint received 2023-07-17
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. (GA)

Good Afternoon, First and foremost I would like to thank you guys for removing this XXXX XXXX  account off of my report due to Identity Theft.. However I have just received Another letter from Experian and XXXX and I am a bit confused. The first letter you guys sent was just a generic letter and you Guys totally disregarded my letter stating this identity theft matter. Over 2 months I go I sent off a letter asking XXXX XXXX XXXX XXXX for special details about this account and for them to validate this.. Still till this day, They have not been able to validate this debt nor is the information accurate.. Almost 2 months ago I put together the ONLY information needed for a block and delete According to 15 U.S. Code 1681c2.. I sent in all the documents that was needed.. And they have still not been able to comply with FCRA guidelines.. I have also requested a copy of a signed contract with my wet signature giving them authorization to report this I have also requested a copy of the form signed by myself giving me an option to opt out of this reporting factor.. I am also STILL requesting form SSA 827 that XXXX XXXX on the day of XX/XX/XXXX told me that I had signed I would also like a recording of that call as well because it will prove that the dates on this account is totally inaccurate and balances and this is illegal according to FCRA guidelines.. FCRA also states that a company haves 30 days to validate this debt. They have failed to validate this debt.. Failed to comply by FCRA Guidelines.. Failed to provide all information requested.. I provided every single documents needed from section A ) of 15 U.S. Code 1681c2 .. Also XXXX XXXX XXXX XXXXXXXX Stated that I need a Police Report.. That is not needed according to 15 U.S. Code 1681c2. These people are making up their own rules.. 15 U.S. Code 1681c2 rules will always trump the company Rules.. I am asking that this be blocked and deleted.. They have failed to comply with the consumer law and surpassed the time allowed to validate and still have not been successful with validating this debt. 15 U.S. Code 1681c2 States 4 Days with all information provided from section A and I have provided everything needed. Please block and delete this totally goes against the consumer law and is illegal