davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I filed a claim with chase for XXXX this amount was charged to my account from a vendor without my consent. This vendor is XXXX my wife and I stayed at their resort during our honeymoon. Chase asked my to provide docs showing that this amount was settled in cash I provided the receipts that were given to me by the venue to Chase right after I filed the claim. 4 months go by I do not hear from Chase at all and all of the funds are reverse out of my account without notice leaving now with OD fees and huge negative balance. I called Chase to see why this happened, the representative said it was because I never submitted any documents. After explaining to the representative that did in fact submit the documents right away the representative put me on hold and did some research and saw that the docs I submitted were never reviewed. He then proceeded to re-open the claim and the funds were put back into my account and the fees were reversed. Yesterday after nearly 4 months with no notification chase took the funds out of my account again with out notice and leaving my account in the negative with OD fees, this time they said that its because time expired and they cant collect the amount from the vendor, then they said that docs I provided are not valid. No one from Chase contacted me requesting any additional information and Chase never requested the signed bank copy from the vendor. How am I supposed to know that what they have is not valid if they do n't inform me? I spoke to a claims supervisor named XXXX and she stated that people over there do n't know what they are doing that 's why I had to speak to a supervisor, she was terrible and was not able to help me at all. In fact this woman kept taunting me through out the call. Please CFPB help me get this resolved. Thank you so much.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Financial Services (IL)

Hello my name is XXXX XXXX account XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

Dear CFPB officer, I found out on XXXX/XXXX/2016 that my Citibnk account was closed before receiving any notification. I called Citibank customer service and they can not give any specific reason of closure of the account except for stating my account is not in compliance with their policies. 

I have all my daily online banking and payment activities set up through this account and it is really a big shock to me that Citibank can stop their service like that. I was informed that my account was closed on XXXX/XXXX/2016 and the remaining balance of XXXX+ dollars will be mail to me as check format in 4-7 business days, which I would think is illegal possession of my fund. More ironically, I was charged a XXXX service fee and my account balance as of XXXX/XXXX/2016 is -XXXX and I need to go to the local brunches to make the payment. 

Even though, as per Citibank 's customer service, they have the right of terminating their services based on their policy, I would not believe they can just pull the plug like that. It feels like pushed out of a restaurant whille eating and pushed out of a hospital while treating. 

At least, I would want to know the specific reason of Citibank closing my account. I need them to waive the XXXX dollar servicing fee as of XX/XX/XXXX and pay me additional interest for possessing my fund from the time my account was closed to the time I receive the refund check. 

Thank you very much and your help is highly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit report contains fraudulent items that I never authorized or benefitted from. This misrepresentation is damaging to my character and deeply insulting, and I feel my rights are being disregarded, which is incredibly distressing. Although Ive already reported this to the Federal Trade Commission, the items remain on my report. Its disappointing that the system designed to protect individuals like me has yet to provide a resolution.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (HI)

On XXXX XXXX, 2015 we decided to purchase new appliances from Lowe 's in XXXX ( XXXX # XXXX ). The total amounted to {$5100.00}. I offered to pay for these items with my existing XXXX XXXX to earn miles on XXXX XXXX, this is what I usually do for any large expenditure. However, I was advised to apply for a Lowe 's credit card to receive an additional 5 % discount off our purchase. That additional discount would amount to approximately {$250.00}. I was approved for the Lowe 's credit card at the Customer Service counter then proceeded in finalizing the transaction. Since the transaction was a bit complicated, it was n't until I got home and later reviewed our receipts that I noticed we did not receive the 5 % discount for using the Lowe 's credit card. I have emailed Lowe 's customer service, spoke to the Assistant Manager, requested assistance from upper management but to no avail. Now they do n't return phone calls and my only communication is with Lowe 's Customer Service, located on the mainland. 
I would have never applied for a credit card that charges 24 % + interest if I were n't able to receive a XXXX % discount. I have other credit cards I prefer to use. I believe we were misled and ill advised. In the promotional material from Lowe 's at the store and in the mailings I have received from Lowe 's when I received their credit card it states " XXXX % off every day. ''
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

I have incorrect information on my equifax credit report. I just contacted equifax again today to request an updated report and was told I already received my free report for the year. I explained that I am on public assistance and XXXX and I have things in dispute and would like to see an updated report. I again was told they will not send me an updated report for free.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CO)

Summary statement : I signed up for automatic online payments with Synchrony Bank, but Synchrony did not initiate the automatic payments resulting in late fees. Facts with attachments : I entered into a 2 year consumer loan with Synchrony Bank to finance a google pixel phone. I scheduled reoccurring automatic payments twice. Payments were to begin XX/XX/2017. I set up automatic payment on XX/XX/XXXX ( attached ). The first automatic payment did not occur and I received a late fee and notice on XX/XX/XXXX ( attached ) and a late fee on XX/XX/2017 for {$27.00}. After calling the bank, they said that they saw that the payment was scheduled but would take a month to go into effect.I made the payment on XX/XX/XXXX, and they said that they were going to remove my late fee but they did not do so ( attached ). I changed my payment amount over the phone to a higher dollar amount ( about XXXX ) so that I could pay off the loan in under a year. I made a payment over the phone on XX/XX/2017. I was also charged {$14.00} for an unknown reason and then the charge was removed, both on XX/XX/2017 ( attached ). A representative assured me over the phone that my reoccurring payments would go into effect for XX/XX/XXXX. On XX/XX/XXXX, I received a normal statement : the payment was due on XX/XX/2017 for {$66.00} I made the payment on XX/XX/XXXX, and they removed the {$26.00} late fee ( attached ). On XX/XX/2017, I paid XXXX through the automatic payment system, and then the payment was removed via 'payment correction ' and I was given a late fee for {$38.00} ( attached ). I had enough money to cover the payment ( attached ) and there was no indication that Synchrony tried to charge the money through the automatic payment. My prior payment on XX/XX/2017 came out of the same account without trouble ( attached ).
Consumer complaint received 2016-11-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

Monthly agreement was made with Synchrony Bank to make payment on the XXXX of every month in the amount of {$21.00}. Creditor is calling stating that I am behind in payments, which I am not. And stating that I have a different due date then agreed upon. I have repeatedly informed the representatives of my agreement. They apologized however they continue to harass me day and night continuous calls. Some Representatives argue and keep continuing to try to collect payment. I have not been late on any payments and wish this continued harassment to end.
Consumer complaint received 2015-06-01
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I have a WalMart Credit Card that was suspended several years ago because WalMart refused to change the due day to the XXXX day of the month. I have been making {$50.00} per month payments on the XX/XX/XXXX of the month ( or by the XXXX day of the month ) and WalMart has charged a {$35.00} late fee each month, plus WalMart has charged a monthly " purchase fee '' each month, and the XXXX fees have effectively nullified my monthly payments. Today my current balance is more than it was back in XXXX 2013. I think WalMart is ripping me off, and I sent them an email letting them know that I was going to contact your agency, and that I will not make further payments until I receive a reply from you. I hope that you can help me because I have made payments sufficient to pay off my original balance. WalMart is ripping me off..! I think WalMart is guilty of some type of financial crime..!!! Please help me..!!!
Consumer complaint received 2017-01-21
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (TX)

the XXXX is contacting my family ( father, siblings and my minor daughter ) about a charged off account that is XXXX years old they tell my family that they are serving papers by way of the sherrif dept on me ( they never do ) and when I call them back they wo n't give me a answer on the amount that i owe and they get rude.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (CA)

walmart credit card aka : synchrony bank, closed my bank account with them. i received letter XXXX XXXX, XXXX this bank action has adversely affected my credit rating. it went from XXXX to XXXX when i called the bank after receiving the letter i was assured that the bank had made an error and that it would be reflected on my account. ( which he said, " i had not missed a payment but that the payment had not been received due to bank error '' ) now my credit has suffered XXXX point drop for the admitted error of this financial institution. 
my credit shows right now that i was closed due to lack of payment. 
when i made the first payment, well before my due date, i did it through a walmart money card, for walmart recognizes this payment method, i used a live operator and paid the bill in full. 
i then received the letter cancelling my account. it seems even using all of walmarts products and live operator the payment did n't go through and i was not told at the time that the payment did n't go through, and i was not called later. 
i complied with all rules well before due date ; using well established protocols and still they failed at their job and i must suffer for their incompetence. 
the bank must correct this false statement. or it must pay compensation for publishing false statements. 
i have spoken to a bank manager and was assured that this would be cleared up. but i can see now that he just wanted to end the call ; so he lied and did nothing.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (SC)

I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.
Consumer complaint received 2015-05-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc. (VA)

On XXXX XXXX, 2015, after calling XXXX Hospital to set up a payment plan for a bill for my children, I was referred to Optimum Outcomes by XXXX from XXXX billing to arrange a payment plan. I spoke with XXXX at Optimum Outcomes. We discussed a payment plan for {$60.00} per month but later that day I had {$640.00} debited from my bank account. I did not authorize this amount to be debited. Imagine my distress when I saw they debited {$580.00} more than they were allowed to. I find this to be an illegal activity and as such have reported the company to the BBB and sent a complaint to XXXX. I feel I was robbed. I called the company and spoke with XXXX and was given the run around. No company should be allowed to do this to someone. It is detrimental to my family and my health as it has created a great deal of stress and financial issues.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (IL)

An account with XXXX was sent to collections and is now reporting to my credit report. Convergent Outsourcing Inc . This is the XXXX collection agency. At the time that I ended my services with XXXX I canceled my service and was n't under a contact. So there was n't an early termination fee. After the collection reported I called XXXX to inquire about the charges. The nice representative was n't able to give me much information and unable to send me a bill that stated what these charges were for. She did tell me that my account was now being handled by Convergent. XXXX was not able to verify this debt and the accrued charges AFTER I canceled my services. The Federal Trade Commision alleges that XXXX was billing and Cramming bogus charges to its customers. I believe I am a victim of this unfair practice. 

Without proper verification of debt and XXXX not being able to tell me exactly what these charges are for I am requesting that they remove stop all collection activity.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2017-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (TX)

I am a victim of identity theft and noticed a collection from Convergent Outsourcing. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Convergent Outsourcing in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NJ)

I get 2-4 calls a day from XXXX. I try to answer every time. I believe they are a debt collecting agency for XXXX. I have a current XXXX account. I have stated to them several times not to call me again. They continue to call and harass me. This is my cell phone number. How many times can I tell them to stop calling me? If I had an address for them, I would send them a written cease of communication notice.
Consumer complaint received 2015-05-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Well, I filed a dispute with my credit card for a large amount of money. A woman named XXXX promised to contact me after calling her supervisor. However, I never heard from her. I left XXXX messages on her machine and also called and left a message for her supervisor. No one ever called me. I asked if there was other information they needed and she said, typically not, your services were not as described. I have protection under my master card credit card agreement, but the part I 'm contacting you about is the failure to communicate. I 've been asking for months, but no one will speak to me. If someone promises to call so I can get my facts together, fine, but now no one at USAA will return my calls. I 've called repeatedly. Then, I got a letter -- much after these events -- asking for all the same information I already filed. This person has mismanaged my case. I explained the details completely and submitted them. She said she did n't need the information and now suddenly she lost all of it. I do n't understand how my case is being mismanaged so terribly and why a supervisor wo n't call me back. It is disturbing. I want my money back. The amount of the dispute should not be in issue. It is within my rights to have the information and be communicated with in a timely manner. The fact that XXXX lost all of my information and sounded confused about my case reveals that she did n't even investigate or look into it. I have a provision in my case that states if the services were not as provided I could have my money back. In this case I left written documentation and forwarded it to USAA. I did everything on my side and now they want me to do it again. no one ever returned a call. I do n't want XXXX, I want a supervisor. and still no one called m back. I have been at the bank with the card for many years. Why ca n't they honor their word to me that I would get my money back?
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Convergent Resources, Inc. (AZ)

Since about a year after I bought this house, I 've been getting these letters from a collection agency, saying that I owe them money. I 've never heard of this 'original creditor'- XXXX XXXX Bank XXXX They keep adding interest to it, too! I 've never heard of these people! It 's now up to {$20000.00}. Why would I want to pay a creditor money that, as far as I know, I 've never heard of, or done business with! If this were possibly a legitimate, then I think that someone has used my identity without my knowledge in the past! This does not show up in my credit report, either! I 'll enclose their recent letter with this online letter to you.
Consumer complaint received 2023-08-31
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-01-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Debt Management Solutions, LLC (MI)

In XX/XX/XXXX I obtained a payday installment loan from XXXX. I was unable to keep up on these payments, so decided to do debt settlement on this ( and other debt ) through XXXX company. I settled all my debt in XX/XX/XXXX have been making monthly payments since. In XX/XX/XXXX the debt was converted into a debt consolidation loan with XXXX. I have been paying timely payments on the whole of debt ever since. Now my employer as well as myself are being repeatedly contacted by Nationwide Debt Management XXXX ( or NDMS ) XXXX XXXX XXXX. XXXX XXXX XXXX CA XXXX asking for payment on my debt to XXXX I no longer owe this debt! I asked for a validation of debt and received only an e-mail. Not to mention the amount was far higher than what I originally owed as well ... very concerning.
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I submitted all the forms as required for an extended fraud alert : police report, social security card, and driver 's license. However, my account was only placed on 90 day fraud alert. I submitted one letter and another application with no response. My account was actually breached on my credit card ; police report to verify it.