davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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: SYNCHRONY FINANCIAL (NY)

In accorders with the fair credit report act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section : 2 it also states a consumer reporting agency can not furnish any account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan has late for any purpose.
Consumer complaint received 2022-08-27
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 (OH)

I sent a XXXX Cashier 's check in the sum of {$620.00} to Synchrony bank/Amazon to pretty much pay off my account. I sent the Cashier 's check with a USPS tracking number which shows delivery. Three weeks went by and the funds were not credited to my account so I called Synchrony bank/Amazon to see what the issue was, the first two reps said they could see the payment but I had to provide information proving I made the payment which was absolutely ridiculous but I accommodated and faxed them a copy of the XXXX Cashier 's check receipt and a copy of the USPS tracking receipt. I received a letter from them a few weeks later stating that they declined my dispute. So I called again and the rep said to file another dispute again, I did as he suggested, I sent in the receipts again by email and fax and also by Usps mail. I received another message from Synchrony bank/Amazon stating that they found the payment in question and will take a billing cycle to get fixed. Today ( XX/XX/22 ), I received another message from Synchrony bank/Amazon stating that they could not apply the {$620.00} to my account because the XXXX Cashier 's check was cashed by someone else so the reversed the payment and are charging me another {$620.00}. I sent them all the information again this evening for the XXXX time. My bank, XXXX said just a couple days ago that the check has not been cashed. Three of the employees that work for Synchrony bank/Amazon has stated that they could see the payment affiliated with my account but needed proof and now I have a letter from Synchrony bank/Amazon stating that they found the payment, then today 's letter is saying the total opposite. I don't understand what is going on with Synchrony bank/Amazon , All I want is what I paid credited to my account. I did my part, I paid it and even provided proof that I paid it. I have additional documents and fax logs besides what I have submitted if needed. To many to attach.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 1. Account Name : USDOE/XXXX  Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX 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.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (FL)

EXPERIAN Report number XXXX despite all the all the evidence Ive submitted experian still reporting this identity theft accounts on my consumer report not only that this account don't belong to me but this account is also inaccurate the company failed to do a complete investigation on this matter experian sent me a dispute resulted that stated " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I would like a copy of the Permissible purposes certification that the FAIR CREDIT REPORTING ACT require Experian The CRA 's before reporting on the consumer report, XXXX  XXXX XXXX  # XXXX PHONE # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  # XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX CASE NUMBER # XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC. ()

Hello I am reaching out to you because I have a complaint regarding coinlist. 

The issue is that I transferred XXXX from my XXXX XXXX XXXX to my CoinList wallet by a mistake. What I had to do was to transfer it to my XXXX XXXX instead. 

Then I contacted Coinlist to get some help to transfer my XXXX back. They answered back that they would look into and afsked for my wallet adress so they could send my XXXX. But from there on I did not hear from them again. This is 6 months ago I have tried reach to them a couple of times but they dont reply anymore. So now i am in a position where have XXXX on my coinlist wallet that should not be there. 

Is there any way that you could help with getting my crypto back to my first crypto account. 

Below you Will find my transaction information regarding this issue and also attached is my identification information. 

TxID : XXXX From : XXXX XXXX : XXXX Best rega
Consumer complaint received 2022-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (CA)

The balance owed is showing additional money since signing. Instead of XXXX it now reads XXXX on XXXX. The interest rate and balance owed are wrong. This XXXX XXXX, XXXX XXXX XXXX GM Financial is all a big scam.The {$2500.00} in addition is fraud. There IS NO cilajet on the car & the theft deter extra {$990.00} was already listed on the sticker price. It's them Hiding money to make it look legit. I should have a balance of {$14000.00} @ 0 %.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date inaccurate, the last active date is inaccurate, the account says open but others say closed. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i have rights to privacy.

15 U.S.C 1681 section 604 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2020-04-16
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: SYNCHRONY FINANCIAL (FL)

SYNCB/TJX COS DC has negatively reported me to the following Credit Reporting Agencies ( CRAs ) : - XXXX  - XXXX  - XXXX  I notified them several years ago that a XXXX XXXX working out of XXXX XXXX County, State of XXXX  has stolen my ID per Special Agent XXXX XXXX with the XXXX  

These criminals are sophisticated and have been filing false income tax returns on my Social Security.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

I had my emails ( XXXX and XXXX ) taken over. I can not verify for ssa, fldeo, irs, or irs. 
I can not get a credit report as every time I try, my email gets hacked into. I DO NOT LIVE IN XXXX, XXXX  WITH XXXX XXXX ANYMORE. I never lived at the address listed on XXXX XXXX. I visited there and was not allowed to access the mail. 
When I finally realized all of this was going on, I have been unable to move forward with life due to these discrepencies. I can not open a bank account, someone tried to file my taxe, I am owed thousands of dollars by the IRS. 
Noone can help me and I don know what ele to do. 
I lost mz XXXX XXXX  license, access to XXXX XXXX XXXX   domain from XXXX is inaccesible. 
I apparentlz had XXXX in XXXX  name and various things were done in XXXX 
XXXX  XXXX, the database for the insurance producers has been modified. 
i had a new idenifiicaion here in XXXX but for some reason still register in XXXX
Consumer complaint received 2022-08-27
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. (MO)

There is incorrect information being furnished in the personal information section of my consumer report since XX/XX/20 that Experian has PURPOSLEY furnished for years and have YET to do a VALID investigation and get these errors removed from my consumer report. This inaccurate is ruining my reputation. I need these errors DELETED from my consumer report immediately.
Consumer complaint received 2022-08-25
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: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/2022 I made a dispute claim with Navy Federal for an online order I made on XX/XX/2022 for goods not received. I have uploaded documents to Navy Federal portal from the merchant stating that an error has occurred and would be issued a refund for undelivered goods. I have not seen the refund credited back to me from the merchant therefore, I made a claim with Navy Federal to assist me with my account. I was asked if I wanted the items re-delivered to me or a refund and I requested the refund. The merchant has been paid twice once by me and the third party company that issued the refund for items they never delivered. The merchant has experience no lost due to the fact the items were paid in full by me and also refunded. 

Navy Federal is claiming no error occurred and refuse to credit my account. The goods purchased needs to be repurchased for my family and household purposes. Due to their claim of no error I have been charge for delivery fees and a tip for the driver for items never received. I should not be charged for any of these fees.

I have requested all information and documents from Navy Federal of their investigation in determining their claims that no error has occurred. Under the Fair Billing Act I should not be charge in the event of not having my items delivered to me. I am requesting that the error be corrected and if any finance or other charges related to my dispute to be credited back to my account.
Consumer complaint received 2022-08-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (GA)

My property taxes are behind. XXXX XXXX  : XXXX, Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Sheriff served me on XX/XX/XXXX, by leaving a letter on my mailbox on XX/XX/XXXX. 

XX/XX/XXXX I called the Sheriff and they said my property tax balance was {$12000.00}. My taxes were paid by a company named XXXX XXXX I called XXXX and they told me that I was approved to call XXXX. I called the servicing # and I left a voice mail yesterday. The Sheriff advised me that I can get on a payment plan. I pulled the property taxes from the Tax Commissioner website. This information had not been here over the past 6 years. On the Tax Commissioner website, they said they were sending it to my old XXXX  address. I have been living on my home since XXXX after coming back from XXXX  in XXXX. I have not lived at this old address since XXXX.
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (KY)

XXXX XXXXXXXX XXXX had the incorrect workers comp information and knew the debt was not mine but sent it to collections anyway. When I was contacted by Choice Recovery, I told them it was a worker 's comp claim and they still pursued the collection. 

XX/XX/XXXX, I was XXXX at work and filed a worker 's compensation claim. I was contacted by XXXX and given a worker comp claim number. 

XXXX XXXXXXXX XXXX began billing me Nine months later. I disregarded the bill thinking it was a way to get personal information and not a legitimate In XXXX, XXXX they turned the bill over to collections. ( Choice Recovery, XXXX OH } I XXXX XXXX received the wrong workers comp number from XXXX XXXX XXXX and wasn't able to file the claim. XX/XX/XXXX. I gave them the correct number and billing address. XXXX XXXX XXXX said they would resubmit the claim and contact Choice Recovery. I followed up with a call about three days later and they said they had contacted Choice Recovery. 

XX/XX/XXXX Choice Recovery submitted the debt to the credit bureau my credit score has dropped XXXX points.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

WROTE letter to opt out ( XXXXXXXX XXXX XXXX XXXX ) from sharing my personal info, and i did not give consent to any inquires that's being reported to my credit report! 
also i called all THREE credit bureaus and they refused to remove inquires ( XXXX XXXX XXXX ) which is a violation XXXX $ each promo i never gave no one consent to peek into my report that's illegal ' and violation of the privacy act of 1974 and violation of 15 usc 1681b 1000 $ violation each and i would like to collect. FOR EVERYONE WHO WAS Involved in this fraud
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

My wallet was stolen at a gas station with my license, credit, debit and other sensitive information in it. I have been trying to report the fraudulent charge for {$100.00} from XXXX for months now to XXXX XXXX  credit card. You can only report the charge over the phone with their fraud department the customer service representative told me. Then they put you on hold for hours! I've even waited hours and then it hangs up on me. I tried reporting the autopay from the fraudulent charge to my bank, and XXXX XXXX credit card charged me {$30.00} for reporting the autopay. I'm so frustrated there's no way to resolve this! I don't want this on my credit record, so am I just forced to pay all of this? It is such a scam! I just want a resolution.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am respectfully requesting your assistance with my Capital One MasterCard account, because since contacting your agency for help previously about other issues with them, Capital One has decided once again to act in bad faith using totally unethical and unscrupulous business practices and tactics to defraud deceive and take advantage of customers that are struggling financially to pay there bills. Capital One never informed me of there intent to give me the royal shaft and raise my annual percentage rate. My APR went from 23.99 % in XXXX, 2022 to 24.24 % in XXXX, 2022 and 25.49 % in XXXX, 2022. When will Capital One be called out and legal action commenced against them for taking advantage of and ripping off unsuspecting customers? I am respectfully requesting your assistance with this urgent matter.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MO)

On XX/XX/2022 I submitted a help request to XXXX because I could not log in to my account and access my funds. They then sent me a re-verification email asking me to provide an ID verification. I sent a copy of my US passport. 

On XX/XX/2022 I asked if there was any update on my case. They replied that they were working on my issue. 

On XX/XX/2022 I received an email that my account was being closed. There was no mention as to the reason or that my funds would be returned to me. They simply sent a link to their policies. 

After reviewing the policies, I was not in violation of any of them. Calling their number ( XXXX ) says to email XXXX. After emailing them, they said that they can not give me a reason as to why and will not confirm that my funds will be returned to me. 

I had over {$1000.00} in my account at the time of cancellation. I have not been able to access my account since XX/XX/2022. It was closed without warning or without clear indication my funds would be returned.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I paid a charged off account in full equaling {$160.00} on XX/XX/2023. I disputed it via XXXX and XXXX. I received a reply to my dispute stating I did not pay however I have receipts and if is also verified through online account.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/23 I report XXXX transactions suspicious from my checking account from Bank of America XXXX XXXX CA # XXXX filled fraud # XXXX total {$1600.00} Bank close my claim whit no consideration they refuse to give credit my account is negative- {$160.00} I call several times to fraud department but they dont answer any cuestin, my situation is terrible, I never made the transaction never authorized the Company XXXX XXXX
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, we noticed that our account was frozen, we can not deposit or withdraw money for our business account. We called Chase bank at XXXX XXXX to get an explanation, however they can not provide anything as now.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

The Claim No. assigned by Citibank : XXXX On XX/XX/XXXX. XXXX, hacker sent a message on top of Citibank 's login page, stating that he was from Citibank, and told me that " some suspicious activity occurred on your account, please call XXXX '' ... Then the Hacker sent wire transfer instructions to Citibank wire out {$49000.00} without my consent and knowledge. My request for refund was denied by Citibank 's Fraud Prevention by a form letter, dated XX/XX/XXXX. This letter stating that the dispute was declined. There was no signature, no supporting documentation to substantiate this decline. 

According to the Client Manual Consumer Accounts of Citibank, Effective XX/XX/XXXX. This 53-page manual was published by Citibank and mentioned in your form letter of denial dated XX/XX/XXXX. Under page 19, of the manual, section of Security Procedures wherein states, I quote When you place an order for a funds transfer, we will follow a security procedure established for your protection and ours to verify that the transfer has been properly authorized. You understand that the security procedure is designed only to verify the source of the funds transfer instruction and not to detect errors in the content of that instruction or to prevent duplicate transfers. The procedure depends on the means by which you provide instructions to us. Unless we agree on another security procedure, you agree that we may confirm the authenticity and content of instructions by placing a call to any authorized signer on your account. By placing a transfer order, you agree to our use of the applicable security procedure. You agree to be bound by any funds transfer request that Citibank receives and verifies in accordance with the security procedure outlined above. Unquote.

Based upon Citibanks own manual/statement, apparently, Citibank failed to obligate the banks fiduciary duty and its own commitment. Records reveal that the transaction was conducted by a hacker, and I personally reported this incident to Citibank branch office immediately after the occurrence. The whole events were not handled in a timely, correctly and professionally manner. This loss purely was due to Citibank 's gross negligence. I demand the loss to be reimbursed immediately. 

Appreciate your Office 's involvement and wish to hear from you of a positive news soon.