davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

In XX/XX/2023 I applied for and received a PayPal Credit Card serviced by Synchrony Bank. This card was tied to my PayPal account. I did not receive a statement after two months use but I did receive a notification from Pay Pal that the account was in arrears. I was confused by this but assumed that there was a processing problem. I immediately debited my checking account and completely paid off the total balance on XX/XX/2023. After doing so I received notification from PayPal that a payment was made and my balance was {$0.00}.

I also contacted PayPal to report my difficulty receiving timely statements and was told to contact the Synchrony Bank about that issue. When I contacted Synchrony Bank I was told to establish a direct debit from my checking account. The customer service representative also said that interest charges and fees would be reimbursed to my account. I provided my checking account information to Synchrony Bank and assumed that the issues were resolved. 
In late XXXX I had again not received statements but was surprised that I got a notification from PayPal that my account was overdue. I had assumed that the direct debit if my checking account to pay balances was in place so I was surprised. I contacted Synchrony Bank and was told that direct debit of my checking account ( auto pay ) was not in place, and that I had a large overdue balance as well as fees and interest due. This time I asked for a review of my statements which.to my knowledge I never received. I was told to look for the statements in my Spam/Junk mail. When I did that I was surprised to find that, indeed, the statements were in the JUNK file because they were identified as service @ paypal. After reviewing the charges, which were accurate, I told Synchrony Bank that I wanted to terminate my card. After several conversations with customer service agents, and several dropped conversations, I was finally told that I could not close the account until I paid the outstanding balance, including the interest and fees from BOTH episodes. At this point I simply wanted to end my relationship with this bank and paid the balance in full. After the payment was cleared, I called to cancel the card and was told that in addition to the late fees and interest I would also forfeit my cash-back account in the amount of {$130.00}. So this experience cost me {$80.00} in late fees + {$88.00} in interest charges + {$130.00} forfeited from the cash-back account. {$270.00} in total. This after being told on three occasions that the fees and interest would be credited to me because of the mix-up.

I cant help but believe that this pattern of behavior is deliberate on the part of Synchrony Bank and the Pay Pal Credit Card. I can also assume that this response from the Synchrony Bank and Pay Pal have adversely affected my Credit Score.

This organization needs to be held accountable for this despicable behavior.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I HAVE NOTICED THAT I HAVE BEEN NOTIFICIED THAT I HAVE OVERDRAFT MY BANK ACCOUNT SEVERAL TIMES, WHEN I AM AWARE THAT I HAD FUNDS IN MY BANK ACCOUNT. THIS HAS OCCURRED SEVERAL TIMES SINCE I OPENED MY BANK ACCOUNT WITH WELLS FARGO.
Consumer complaint received 2020-06-28
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. (NV)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

Recived a scam call not knowing at the time, called themselves the police department and told me they needed me to pay for a bail because I did not show up to court which was all a lie. They had me take out {$10000.00} in cash, I paid about {$4000.00} to this person through cash app.
Consumer complaint received 2020-06-28
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: CORELOGIC INC (NJ)

I was specifically looking for a prequalification, which only requires a soft pull. However, XXXX XXXX, XXXX XXXX, XXXX # XXXX did a hard pull on my credit without asking for my authorization.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-27
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. (FL)

I was successful in proving to XXXX some of the erroneous errors on my credit. While they were in violation of not doing it before they have corrected it. XXXX received the same evidence and has failed to remove the errors. They sent an email with result but each time I click on the link it loops around I attempted to change my password to no aviail. I attempted to call to no avail. XXXX removed 2 collection items so far ....
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX Citibank emailed me confirming enrollment in the Member Cash Checking Offer. I had agreed/enrolled & deposited {$30000.00} + with them before that date to qualify. I read & met all terms & conditions. Things like making an online payment with the checking account. I met these by XXXX XXXX. They were to deposit {$500.00} within 30 days of meeting those items-into my Citibank checking account. They did not. I called them on XX/XX/XXXX. During a long call they reviewed & advised " yes, you are correct. You are qualified. '' You met all conditions. They would file a dispute for investigations. Give them 5 business days to deposit my {$500.00}. I called on XX/XX/XXXX. Gave me specialist, then another. Told high volume, will take 21 days, not 5. I called on XX/XX/XXXX Told them 4 weeks since called & 5 months since qualified & due money. They marked request urgent. States high volume for bonuses & taking 30 days. Dispute specialist working on. I called XX/XX/XXXX after getting a letter giving wrong promotion code & saying I got Airline miles in early XXXX so this is resolved. This has nothing to do with the checking acct. offer. I still have {$30000.00} deposited with them. I am told call credit dept. instead of them, credit offer. No - checking account deposit & checking offer. I have XXXX email. Request & talk to supervisor. Can I send email verifying checking account cash back offer? No. He will flag it to say error & should be cash bonus offer. New dispute filed. Long wait. Will take 5 days. This is beyond frustrating and my money is stuck in a non-interest bearing account that they are making money off of daily. They owe me {$500.00} clearly & won't pay it. They pay offshore staff to take calls from frustrated customers and put them on delay. This is unacceptable. Can you please get Citibank to honor their commitment and pay me my bonus right away? This feels like a scam and fraud to me.
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upgrade, Inc. (CA)

I am writing to express my deep concern and frustration regarding the lack of progress in resolving inaccuracies on my credit report. Despite previous escalations and requests for updates, the reported inaccurate late payments still persist on my credit report. I am reaching out to demand that your bureau fulfill its responsibility and promptly rectify these errors. 
UPGRADE INC XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
The inaccurate late payments are adversely affecting my credit score and overall creditworthiness, hindering my ability to secure credit on fair terms. It is your bureau 's responsibility to ensure the accuracy and fairness of consumer credit reporting, and the prolonged presence of these errors is both unacceptable and damaging to my financial standing.
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to vehemently reject your decision to decline my identity theft claim. I question your authority and legal standing to determine whether i have been a victim of identity theft or not. You lack the requisite expertise or jurisdiction to make such a claim on my behalf. 
To substantiate the gravity of my identity theft claim, I am providing you with a comprehensive law enforcement agency report, which has been duly filed with a federal agency. It is imperative that we expedite the resolution of this matter within the legally mandated 5-day timeframe. 
This is your final opportunity to process my identity theft request appropriately. Failure to do so will compel me to seek a legal remedy in a courtroom where you will be held accountable for the damage caused to my reputation, credit, and the emotional XXXX I have endured as a result of this issue. I am confident that the material facts will become glaringly evident, and you will be held responsible for your negligence. 
XXXX XXXX XXXX  I expect a written acknowledgment of the receipt of this dispute letter and a commitment to investigate my identity theft claim diligently and impartially.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there is late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. Kindly correct this account : XXXX XXXX XXXX : {$10000.00}.
Consumer complaint received 2022-03-14
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. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (GA)

AFTER SPEAKING WITH MY CREDIT UNION REGARDING A FINANCE OPPORTUNITY IT WAS BROUGHT TO MY ATTENTION THAT THERE WAS A FRAUDULENT ACCOUNT WITH AFFIRM INC LISTED WITHIN MY XXXX CREDIT REPORT THAT I DID NOT AUTHORIZE. I AM A VICTIM OF IDENTITY THEFT PER FCRA 605B, 15 U.S.C 1681c-2 THIS ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE USING MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY NUMBER AND DATE OF BIRTH WITHOUT MY CONSENT. I submitted XXXX XXXX police report and federal trade commission report to XXXX and Affirm and they both refused to follow the FCRA guidelines.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear Sir/Madam, I am writing this complaint in regards to the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake and would like to appeal this decision. 

I would like to bring to your attention that I have not violated any of PayPal 's policies or terms of service. I have been a loyal and active customer of PayPal for several years and have always used the platform in accordance with its guidelines. Therefore, I am puzzled as to why my account has been limited. 

I am kindly requesting PayPal to re-investigate my case and restore my account if possible. I am willing to cooperate with PayPal 's investigation and provide any additional information or documentation that may be required to prove my innocence. 

I understand that PayPal takes its policies and regulations seriously, and I respect the company 's efforts to ensure the safety and security of its users. However, I believe that my account has been wrongly targeted, and I am eager to have this issue resolved as soon as possible. 

I appreciate your attention to this matter and hope to hear back from you soon with a favorable resolution to my case. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-15
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. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX UT XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

My sister and I have a home mortgage with Wells Fargo issued XXXX of XXXX. In XX/XX/XXXX we had a business fail and we declared a Chapter XXXX bankruptcy but did not include the home mortgage. We did not realize until we tried to refinance in XX/XX/XXXX that Wells Fargo never reported on my sister 's credit that she had a home loan and that in XXXX of XXXX Wells Fargo stopped reporting on my credit and stated our loan was terminated. ( lesson learned check your credit at least once a year ). the institution i was trying to refinance with to use my VA thought i was committing fraud but all this came up after i paid for the appraisal and paid for a lock on the rate. ( about {$800.00} total ). In XX/XX/XXXX we contacted Wells Fargo to try to straighten the mess out because financing VA and having an FHA loan triggered a CAVIRS flag with FHA because of the " terminated '' on my credit. Yet the entire time Wells Fargo sent monthly statements and we continued to pay the house payment on time monthly. We requested as did our refinance lender, the payment history and to straighten out the reporting. This was in XXXX and now in XX/XX/XXXX Well Fargo still needs more time to provide a payment history and correct the reporting. As a result we had to withdraw the loan application and now we are out the {$800.00} we spent trying to refinance. We have talked to many levels of Customer service.
Consumer complaint received 2023-03-22
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. (AZ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2015-04-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MO)

US Bank recently cancelled the free night award bonus which was a benefit of their club carlson credit card. I had renew my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertized at the time I renew my membership unlimited free bonus award for any nights booked with points. my family do a large part of our banking with US bank and are not considering other options.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, I signed up for TransUnion 's credit monitoring service 3 years ago so I could check on my credit. I tried it for 2 months and decided I did not need it. I called them to cancel my account and they told me it would be canceled. 
For a few months I received no charges. Then without my knowing or knowing to look for it I was continuously charged for 2 1/2 years. Once a realized this years later I tried to log in and it told me my account was locked. So I called them the next day. And they had issues even accessing my account. They finally told me the service would be canceled ( we'll see ). I asked them about refunding the money they have taken, even though I received no services. The customer service agent told me no multiple times. Then told me I should have watched my bank account. Then I asked for a manager. He said ok. Put his head set down and sat quietly for 15 minutes .... And hung up. What the XXXX ...
Consumer complaint received 2023-04-20
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. (NV)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Control, LLC (CA)

Hi my name is XXXX XXXX XXXX me and my father 's identity were stole by my ex boyfriend he XXXX XXXX and took 2 of my phone 's at the moment and till this day I don't have a phone and my father is in XXXX well my ex boyfriend XXXX XXXX XXXX TOOK ME TOO A HOUSE WERE HE BEAT ME AND TOLD ME THAT HIS FRIEND WAS GON NA KEEP TRACK OF WERE I WAS AT ALL TIMES AND WELL NOW I RECEIVED MY FATHERS MAIL AND LOAN AUTO LOANS AMD WELL MY FATHER ISNT HERE I NEED TOO SPEAK TOO SOMEBODY ASAP PLEASE BEST CONTACT NUMBER IS XXXX XXXX PLEASE I NEED HELP TOMMOROW I WILL BE FREEZING MY FATHERS CREDIT WITH ALL 3 CREDIT BUREAUS