davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (PA)

Contacted Discover using the messaging feature in the mobile app because I was unable to add my credit card to XXXX XXXX. I would confirm the card number, expiration date, and security code. That would process successfully and I would land on the XXXX XXXX XXXX  page, agree to the Terms, and be bounced back to the main screen with my name and card number. The issued message I received said to contact the Card Issuer because my request was being denied. Discover was offering a promotion of 5 % cash back for purchases made with a digital wallet of up to {$75.00} back from XXXX to XXXX of XXXX and is currently offering the same promotion for XXXX to XXXX of XXXX. 

XX/XX/XXXX : Dates of contact are unavailable because the mobile app only shows the month and year for a date stamp. I tried scanning the card in XXXX, manually typing the numbers, and adding through the Discover app. Responses were days apart from a representative. Received queue acknowledgment messages for 3 days before an agent was connected. Upon responding to the agent saying I could not connect my card, I was sent back to the automated message system. I received an automated prompt to add my card to XXXX XXXX through the Discover app, which did not work. I then received 8 messages over the course of a few days acknowledging my place in the queue. I was connected to an agent at an inconvenient time when I was not available and did not have my issue resolved. 

XX/XX/XXXX : Contacted Discover via messaging once again. I was told I needed to call Discover to speak with technical support. 

XX/XX/XXXX : Called Discover support at XXXX XXXX and was connected to a technical support agent. The agent told me that Discover could not see my requests to add the card to the XXXX. The agent then told me the issue was because I had multiple cards ( sequence ) on my account with the same card number and told me I had to cancel two. I refused, as I use all issued cards. The agent then put me on hold to connect with others regarding this issue. After about 20 minutes, the agent returned and told me that again the problem was having more than one active card on my account and suggested canceling. I explained that I did not want to do that, and said there must be other customers with multiple cards that are having the same issue as me. After being placed on hold again for 10 minutes, the agent returned to tell me that they were opening a ticket and to email a screenshot of the message I am receiving in the XXXX XXXX. 

This poor customer service from XXXX XXXX and poor reasoning inhibiting participation in rewards ( having multiple cards means I can not use a digital wallet ) is interfering with using my credit card for the purposes it was advertised for ( rewards card ).
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

Over the course of my banking relationship with US Bank, I have encountered multiple instances of unauthorized overdraft fees being charged to my account, despite having sufficient funds available. These occurrences have raised serious concerns about the integrity of the fee assessment process and have led to a significant financial burden on my part. 

I have diligently engaged in dialogue with your esteemed institution, earnestly requesting the reversal of these erroneous charges and the restoration of the funds to my account. Regrettably, despite my numerous efforts and documentation providing evidence of available funds at the time of these charges, the fees have not been appropriately addressed or returned to my account. 

One specific incident that stands out involves a transfer of funds from one account to another within US Bank, a transaction that should not have resulted in any overdraft fees. Despite having documentation confirming the presence of sufficient funds in my account, an overdraft fee was inexplicably levied. 

As a loyal customer of US Bank, I am disheartened by the lack of resolution in this matter and the undue hardship these unwarranted fees have caused. I believe in the integrity and professionalism of US Bank and expect that my concerns will be met with the highest level of attention and urgency.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-24
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2023-07-24
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: LEXISNEXIS (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

hello, On this day of XX/XX/XXXX I would like to file a complaint against XXXX  and Experian for inaccurate information on my credit report! I've filed a complaint more than once to no avail. I would like you to make sure that I am treated fairly and not discriminated against based off of history, color, race, age, national origin, disability, sex, and/or religion. I'm in the process of applying for a loan with all credit accounts in Good standing, but have some negative items that are inaccurate on my credit reports with Experian and XXXX. The first and most negative item is XXXX XXXX, which appears on my XXXX credit profile. This item was removed by XXXX XXXX and Experian from my credit report but with XXXX  it still remains! XXXX XXXX closed this account with all three credit bureaus on XX/XX/XXXX. The next items in dispute with XXXX are XXXX/XXXX  in which has a balance of {$0.00} as of XX/XX/XXXX but is still showing a {$600.00} balance, and XXXX/XXXX  is showing a balance for {$23.00} in which also has a {$0.00} balance as of XX/XX/XXXX. Experian also has a balance showing on my credit report for XXXX XXXX in the amount of {$470.00} which has a balance of {$0.00} as of XX/XX/XXXX. Experian also shows a balance of {$23.00} for XXXX/XXXX which has a {$0.00} balance as of XX/XX/XXXX, and Experian also shows a balance of {$420.00} for XXXX XXXX  which also has a balance of {$0.00} as of XX/XX/XXXX. I've called them numerous times as well as filing a dispute to have these inconsistencies corrected but they still remain unchanged, although they told me that they see where the accounts have been paid in full they have not updated my report in a timely manner! Their adequate response is desperately needed to get approved for a loan, otherwise I would be denied based off of inaccurate information posted in my credit report by the Bureaus! Thanks in advance!
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: First Data Corporation (MA)

My previous employer issued a paycard so I could collect my wages. I used the card to remove all funds from the card onXX/XX/XXXX, and no additional funds have been added to the card. 

I received a letter ( attached ) from Money Network onXX/XX/XXXX, stating my account has been upgraded, and a Monthly Maintenance Fee may be applied. 

I called Customer Service to close the account, but have not been able to speak with a representative. 

Can you please help me close this unused account and avoid any potential fees? 

Thank you. 

XXXX XXXX
Consumer complaint received 2023-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported, as their presence constitutes a direct violation of the FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ). It is imperative that these accounts and information are promptly removed from my consumer report to rectify the violation of these laws. I urge you to take immediate action and eliminate these items without delay.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

Around a year ago I had multiple XXXX transactions. I went to the bank and they said that the transactions were approved by my phone number and that it was done through my phone number which after that they said if I want to investigate that further I had to call customer service. when I called customer service they open the claim and they started looking into it. But after that, I had severe problems with online banking anything that would happen in my account, I will get kicked out or logged off. I wouldnt be able to reset my password. Any time I went inside of the branch there has been nothing they couldve done. They always say wait 24 hours and then I had multiple transactions that have been frozen as well as direct deposits and I did not know that until I asked at the branch what is my balance and it did not match up with the logic of how much money I have there because that certain point I gave up on trying to get back into my online banking. For the past month Ive been promised multiple times to get a meeting with the manager to figure out everything thats happening in my bank at this moment and multiple times I had cancellations and nothing has been done or resolved about this issue.
Consumer complaint received 2023-07-24
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: AMERICAN EXPRESS COMPANY (CA)

I responded to an AMEX platinum card offer. The promise was XXXX reward points if I spent {$6000.00} within 6 months. I met the criteria but was only awarded XXXX points. I reached out to customer service XXXX weeks ago to advise them that their conduct was against CA XXXX and reached out again last week to their Chairman, but have received no response I suspect I am not the only victim here I have all of the supporting documents
Consumer complaint received 2023-07-24
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: Self Financial Inc. (GA)

self/lead bank balance owed XXXX ( XXXX XXXX XXXX  ) I have call numerous times and sent them letters notarized, police reports yet they still fail to remove this fraudulent account from my credit report. 


15 U.S. Code 41 - Unfair methods of competition ; prevention by Commission This section empowers the Federal Trade Commission ( FTC ) to prevent unfair methods of competition and deceptive acts or practices affecting commerce. It covers various consumer protection aspects, including false advertising, deceptive marketing, and other unfair business practices. 


15 us code 1681a ( 2 ) ( A ) ( i ) 15 us code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumers reports no consent I fraud
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. After failing to send my investigaion 30 days after recieving my dispute letter, they sent back the investigation results almost XXXX months later. The information on my credit was concluded as accurate. I then received transaction history report from XXXX XXXX XXXX XXXX and realized that there were inaccurate information on the document. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer a reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC (NV)

First off I hope I made the correct choice to file this complaint because no where did I find Home Improvement Loans. 

So got the loan through Sunlight Financial but the loan was actually approved by XXXX XXXX XXXX. My fist instalment was due on XX/XX/2023. On XX/XX/2023 I remembered that because the XXXX of XXXX had fallen on a Sunday I had forgotten to submit the first payment. So I login to my online account with Sunlight Financial and proceed to submit my payment. On XX/XX/XXXX of the current year, I login to my bank account to see what had been charged so far ( because I have other payments that come in ). To my surprise, I see 2 charges for sunlight financial one in the amount of what the payment should be which is in the amount of {$230.00} and the one I made and authorized in the amount of {$230.00}. I called them that same day XX/XX/2023 at XXXX XXXX  to ask why had they charged my bank account twice? That I had only authorized the payment of {$230.00} made on XX/XX/2023. She checked and verified that the auto pay was not activated. So according to the young lady I spoke to, she verified that the autopay had not been activated, so there was no reason for the financial institution in charging my account without my consent. She did say she'd enter notes to escalate the situation and that she would call me with a response. She even verified my phone number. I asked for either a refund of the double charge or credit for the payment due on XX/XX/2023. I also asked for my payment due date to be moved to the XXXX of each month. I want to point out the call was being recorded! That was taken care of on XX/XX/2023. But as far as for the issue with the double charge they did not mention a thing. I even logged in to see if their was at least a credit to make a payment till XX/XX/2023, but nothing has been updated. Then I proceeded to sending them a message via their portal which I took a screen shot of, before submitting to keep as proof. But till this day of XX/XX/2023 I have not received a response from them, not a call or an email or a letter in the mail addressing the issue. I have removed my bank account from the portal since XX/XX/2023 so they can no longer take any payments that I do not authorize. But I would really like for someone to reach out to them and ask why did they take money that was not authorized? In the attached files you will find the message sent to sunlight Financial disputing the double charge. Then email with the charge that was authorized by me. And a screen shot of the charges from my bank. Final note, I was never notified about the first charge otherwise I would have never made that payment on XX/XX/2023.
Consumer complaint received 2023-07-24
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Date - XX/XX/2023 Amount - XXXX USD Wired to XXXX bank recipient XXXX XXXX  ( XXXX ) From : Chase Bank Action - Recalled wire but no action taken by the bank despite informing this is a fraud company Date : XX/XX/2023 Amount : XXXX Wired to Chase recipient XXXX XXXX XXXX Account : XXXX From : Chase Bank Action : Recalled wire but no action taken by the bank despite informing this is a fraud company Date : XX/XX/2023 Amount : XXXX Wired to Chase recipient - XXXX XXXX Account : XXXX From : Chase Bank Action : Recalled wire but no action taken by the bank despite informing this is a fraud company
Consumer complaint received 2019-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Regarding XXXX XXXX XXXX We attended a seminar on XXXX XX/XX/XXXX regarding a travel plan my wife and I purchased that involved a total cost of {$4800.00} plus renewal fee of {$140.00} per year. We were told that this consisted of 2 weeks per year plus 2 week intervals per year. We were given a tour of condos and were told that the membership we purchased would provide us with the same amenities similar to the CONDOS we toured at a reduced rate. The CONDOS we toured had a Jacuzzi, full kitchen, washer and dryer, a bedroom and bath and separate living area. 

We first used our membership on XXXX XX/XX/XXXX through XXXX XX/XX/XXXX in XXXX, XXXX and were placed in a small area without any of the amenities listed above. We were very appalled by the accommodations in which they placed us. We were charged {$380.00} which included a {$99.00} cancellation waiver for 3 nights. We could have stayed anywhere in XXXX for a similar price minus the cancellation waiver. We complained to the front desk and were then put in a CONDO similar to the one we had toured. 

We attended a meeting with XXXX on XXXX XX/XX/XXXX. It was explained to us that we were placed in the small room because we were mistakenly placed on plan B instead of plan A. We asked what it would take to correct the error. They told us it would be approximately an additional {$3700.00} for us to get on plan A. We told them no, we were already out {$3600.00} due to their misrepresentation of the property. No one explained to us until the XXXX XXXX meeting that there was a difference between plan A and plan B. 

The room we were given was not the CONDO we were told and shown that we would receive with our travel plan. We have lost about {$3300.00} due to their fraudulent misrepresentation and desire to cut further losses. 

Sincerely, XXXX XXXX We discussed the matter multiple times including but not limited to employee XXXX XXXX # XXXX and XXXX XXXX XXXX. They refused to provide last names. We we not provided the Condos we were told would be provided at the discounted rate in our membership. CapitalOne employees refused to defend us on services not rendered.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.