davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (DE)

My issue with Synchrony Financial is related to two credit card accounts serviced by Synchrony : Amazon.com Store Card ( XXXX XXXX XXXX XXXX ) and Sam 's Club Mastercard account ( XXXX XXXX XXXX XXXX ). Additionally, I believe that Synchrony 's actions are destroying my credit rating that I have carefully cultivated over many years. 

I am a retired XXXX XXXX  XXXX and former XXXX XXXX XXXX. 

Synchrony Financial 's strict interpretation of the two returned checks in the past twelve months is at best unmindful of facts or extenuating circumstances. The two checks that were rejected by my Bank 's ( XXXX XXXX XXXX  ) XXXX, although technically falling in the twelve months period, actually occurred in a two day period ( XX/XX/XXXX and XXXX, XXXX  ). 

The occurrences on XX/XX/XXXX and XXXX are explained by the attached letter from XXXX XXXX XXXX, Senior Executive Vice President/General Counsel of XXXX XXXX XXXX  XXXX XXXX ) ( attached ). I had no idea why XXXX rejected the XX/XX/year> payments since I had been using their XXXX, with the same account number, since XXXX merged with XXXX XXXX Bank. 

Once the administrative error was recognized, a payment of {$230.00} ( {$140.00} + {$83.00} ) was made on XX/XX/year>, with the corrected account number. Synchrony 's customer service representative acknowledged the payment and the error ; and credited the interest/late fee charged. Problem solved, or so I thought. 

Four months later, after the issue was cured and resolved, without prior notice and despite regular payments starting with the {$230.00} payment on XX/XX/year>, Synchrony Financial arbitrarily closed my Amazon account and reduced my credit limit on my Sams Club account to a meager {$250.00} from {$10000.00}. 

I have had the Amazon and Sams Club accounts for well over 20 years without issues. The only reason I am persistent in restoring these accounts is because we like to shop at Amazon and Sams Club. 

I suspect the negative information in the XXXX credit file was the result of Synchrony 's actions. Because, I know nothing else changed. Synchrony set it up and then cited it to justify its actions. 

The fact is that my wife and I have a combined credit card limit of over {$100000.00} on three other credit cards NOT serviced by Synchrony Financial.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CO)

Over 5 years ago I got a credit card Double points with Citi. I signed up for the credit under certain conditions and based on those conditions i made my decision to accept this credit card. All was great and this was my favorite XXXX to use over last 5-7 years. I was charged interest after the billing cycle ended. However the XXXX company, Citi changed those conditions this year o a variable type of interest charged per day or so, still feels like a scam the way they charge those interest fees. 
Now with those conditions changed so far after I signed for this XXXX I feel trapped because I could close this XXXX since i don't agree with their change but that will affect my credit score. 
I cant keep this credit card either because with new condition I end up paying huge interest fees. For example, this month i paid my XXXX well in advance before due date by XXXX weeks, yet for XXXX week I was charged XXXX $ in interest with the new variable rates they have and with a total of XXXX $ charged in interest this year alone. I am very responsible with my credit cards and never had such outrageous charges on interest with this XXXX or other XXXX I consider a scam thaT XXXX conditions were changed for existing costumers since i is like a contract and I made the decision o sign up for this CC based on how conditions were at that time. Hope this will end up with a collective law suit, as a costumer XXXX XXXX lied and scammed. I already closed my bank account with this scam company and wish it was as easy to close my XXXX yet will affect my credit score. 
Costumer service is not helpful either as they keep long holds and multiple transfers from agent to agent so the costumer gets tired and quits the call before issue is resolved. 
XXXX. I request to have the interest fee charged for XXXX $ refunded since i have paid my XXXX well in advance by XXXX weeks from the due date. 
XXXX o have XXXX condition changed to how it was when I made the decision to sign up for this XXXX. 
XXXX Recalculate the interest charged for this year to reflect previous conditions- the ones that were in effect when I signed up for this credit card
Consumer complaint received 2024-07-07
Product: Credit card — Store credit 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: CITIBANK, N.A. (TX)

XX/XX/XXXX - An online purchase was made on the Best Buy website for two open-box items. The next day I received two emails stating the products ' unavailability and subsequent cancellation of my order. Typically, a charge for a cancelled order is removed from the customer 's account. However, this one never was. I brought it to Citi bank 's attention and they instructed me to file a dispute after the charge fully posted. 
XXXX XXXX I filed a dispute per the instructions I received, expecting a swift resolution since the product was never shipped or made available for pickup. 
XXXX XXXX The dispute was declined. Within the evidence packet there was a surveillance photo of the product somewhere in the store with an attached note stating, " Store associate forgot to scan out product ''. I fail to understand how this is sufficient evidence as I was never notified that the product was ready for pickup, so there would not have been any logic for me to be physically at the store. Additionally, there was no evidence of me being in a store that is XXXX minutes away from my home address. 
XXXX XXXX XX/XX/XXXX : Citi has instructed me to handle the resolution with the merchant themselves, Best Buy. I have made dozens of calls to the Best Buy support line where they have acknowledged a refund was supposedly submitted to my card on file in XX/XX/XXXX. There is no evidence of this refund within my card statements and Best Buy has steadfastly refused to provide any more context on this refund or attempted to reconciliate what happened to those funds. 
XX/XX/XXXX- I submitted more evidence of the dispute to both Best Buy and CitiBank and it has yet to be acknowledged. I finally was able to get in contact with a dispute XXXX at Best Buy, however he refuses to take any action regarding my case and has actively discouraged me filing cases with the BBB and CFPB. I feel like I have exhausted all of my options as a consumer so I am hoping that this complaint will lead to a fair resolution so that I can move forward with becoming a first-time father this fall.
Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

This debt was on my credit last year ( XXXX ) from a company called XXXX XXXX XXXX I disputed it twice with XXXX and the second time it was removed from my credit. The debt was then taking off my credit but reappeared this year ( XXXX ) from a new company called I C Systems XXXX. I disputed it twice with XXXX and it remains. I uploaded prove that it should be deleted once again and XXXX and IC SYSTEMS have not giving me anything proving this debt is mine to be paid.
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc. (TN)

I AM A VETRAN AND A VICTIM OF IDENITY THEFT. SOMEONE STOLE MY IDENITY AND I HAVE NO KNOWELEGE OF WHO COULD HAVE DONE THIS TO ME.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I am writing you regarding this account. You are reporting a 30 day late on XX/XX/XXXX. 

My long-time bank account was victim of fraud at the end of XX/XX/XXXX. My account was frozen during the fraud investigation. The investigation verified fraud as the resolution. The offenders had my bank account # and routing #, therefore my account had to be completely closed and a new account opened. Due to this account closure and opening of a new account, I had to update my payment information with over 20 companies. It has truly been a nightmare, but the current situation with Kohl 's, negative reporting and detrimental impact to my otherwise excellent credit has been the most devastating of all. 

I have had my Kohl 's charge account since XX/XX/XXXX ( 11 years & 4 months ). My account was in impeccable standing. My Credit Limit is {$3000.00}, which is the highest limit Kohl 's offers. I have always been an exceptional Customer. This was a purchase of {$11.00}. I would NEVER not pay a payment on time, certainly not a {$12.00} payment. 

My payment information was updated with Kohl 's online once my new account was opened. I made the payment of {$11.00}. I thought no more of it. I realized when XXXX Shopping on the Kohl 's app I still had a balance. I made the payment again. The payment still did not process. I spoke to Customer Service multiple times in an attempt to clarify and resolve the issue. I did not ever think of the possible repercussions of a late payment to my credit due to processing complications of such a tiny payment & balance. I am truly devastated. A {$11.00} purchase that became a {$13.00} payment has truly devastated my life and my credit. I am in the process of building my first home. Completion is scheduled for XXXX, which means I am within 60 days of closing my mortgage. My Credit Score was in the 800s before this complication. My mortgage loan has been structured around this high credit score. This mixup could destroy my current home purchase. A {$13.00} payment that would not process successfully, due to me being victimized by fraud, has destroyed my excellent credit. I would like to ask, in addition to the honest errors and unsuccessful payment updates, that Kohl 's would be willing to forgive and remove this late payment reporting as a courtesy and goodwill adjustment with a promise to pay all payments in full and on time in the future. I am a loyal and long-time Kohl 's Customer.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I lost my card and realized there were unauthorized transactions made. I ordered a new card and filed a claim on XX/XX/XXXX. The money was temporarily returned to my account only for it to be reversed due to them claiming the charges were authorized. I called the claim department to ask for the research that made them draw this conclusion. Instead I was told that it was found the transactions were authorized over and over. 

The unauthorized charges are as follows : XXXX {$13.00} XX/XX/XXXX XXXXXXXX XXXX  {$55.00} XX/XX/XXXX XXXXXXXX XXXX {$46.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XXXXXXXX XXXX {$15.00} XXXX {$120.00} XXXX XXXX {$18.00}
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (LA)

I have asked for contract that I signed from them proof that the debt is my debt nothing I sent hours on the the phone and didnt get a response just more confusion and the run around now I want to take legal action with XXXX and XXXX XXXX, LvXXXXv Funding llc
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXXXXXX ....
Consumer complaint received 2024-07-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Hi, I received an Amex gift card for {$100.00} from my workplace in XX/XX/2024. Since then, Ive registered and confirmed the available balance of {$100.00} and have tried to use the amex gift card at multiple places- including in person at XXXX XXXX online at XXXX and XXXX XXXX Declined every time. Called Amex but was told to try another store- I cant keep go from store to store hoping itll work. 
XXXX said billing address doesnt work because its a gift card. Are these Amex gift cards completely useless?
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Went to the ATM drive through on XX/XX/23 XXXX ATM XXXX and withdrew {$300.00}. 
When the atm was loading and getting ready to dispense the money a message came up congratulating us on being with WF for 21 years. I turned to my mother to tell her we have been with Wells for 21 years when i heard the dispensing door open ( or so i thought ). I turned to grab the money but the dispensing door was closed. I looked around and nothing was on the floor and i was so close to the wall that no one could go and grab it, plus there was a car behind me so they would have noticed. I had turned my head for 5 seconds. In all honesty I never saw the dispensing door open or close I just heard a noise like it had open/close but I never actually saw it. I needed the money at that moment so i had to do a second withdraw from a different account and now I keep getting transactions declined because I need to replace the {$300.00} that I never got but was withdrawn from my account. WF has not reached out or provided an update on this case.
Consumer complaint received 2024-07-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (VA)

On XX/XX/XXXX at XXXX XXXX, a charge for XXXX XXXX - XXXX was made to a Vanilla gift card, unauthorized. The card was activated on XX/XX/XXXX, at XXXX XXXX at XXXX XXXX - XXXX. I did not know that the card was activated, and when I logged into Vanillagift.com to activate it, I saw that it was already activated. I did this at around XXXX XXXX, meaning that the card had been stolen and used in a matter of minutes. I have contacted their customer support, and they have opened up a case for me, however they said it could take up to XXXX calendar days. The purchase itself was {$100.00}, which is the entire balance of the gift card.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a cash advance that I paid already that Im still getting interest charges for. I called capital one and they refused to help me, kept repeating the interest rates like a robot. Ive had this card for years and never once asked to have charges removed. They claim that my payments were never fully allocated towards my balance. On my last two balance there is no mention of a balance being carried either.
Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The CMI Group, Inc. (CA)

I am writing to report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX on XX/XX/year>, I received multiple voicemails from this agency attempting to collect an alleged debt. The voicemails stated that if I did not respond within XXXX hours, they would send the sheriff to my address. This is a threat and an intimidation tactic that is illegal and unacceptable. 

Specifically : * The agency is threatening to send the sheriff to my address without verifying that I am the correct person responsible for the alleged debt. 
* They are demanding that I provide my date of birth to verify my identity, which I am unwilling to do. 
* My family members also received these threatening calls and became scared due to the agency 's aggressive tactics. 

Desired Action : I request that you investigate this matter and take appropriate action against XXXX XXXX XXXX for violating the FDCPA. I also request that you require them to cease all contact with me and my family members until this matter is resolved. 

Additional Comments : I believe that there must be better ways for debt collectors to collect debts than using fear and intimidation tactics. I hope that your office will take this complaint seriously and take appropriate action to protect consumers from similar violations. 

Thank you for your attention to this matter. I look forward to hearing back from you soon.
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (CA)

Since XX/XX/year> when I was alerted via a negative incident reporting on my credit report I have been disputing this issue regarding an unauthorized account. Since then the company have place XXXX late payment on my credit report for an account I have not authorized. I filed a police report and provided proof to them that my id was stolen and the company has continue to not remove the negative information. Since then I have been denied a loan for a lucrative construction project and have asked the company to remove this incident from my account they have refused to do so. I have also reported this to the credit bureau and submitted police reports to them as well. This account is linked to a business phone that is different from the account under my name. They have refused to remove this negative information. I even asked to have the account numbers just to resolve the issue because of the value I have for my credit and the care I taken to ensure its it good standing and they refused to provide me that information and since then begin reporting negatively to my credit report. My credit report was XXXX before this event now its XXXX. I have a multi-million dollar business and assets and have never had such an issue in my entire life. This unauthorized account has become a major problem in my personal and business life.
Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (WV)

On XX/XX/year> I was sitting in my house watching television. Next thing I know my phone is being blown up by my credit karma spend account with purchases ( I have notifications set up to let me know when my card is used ). I notice there are numerous unauthorized transactions happening and I immediately log in and block my card. These individual ( s ) continued to try to make transactions but they were denied. I was able to stop XXXX transactions in their steps by canceling them but XXXX for XXXX in the amount of {$XXXX} was pending and I could not cancel it so I immediately called Credit Karma XXXX account XXXX then and there. I was told by the customer support agent that there was nothing they could do I needed to wait for the transaction to clear and then dispute it. I even questioned that there wasn't anything else and they assured me that was all they could do and everything would be fine. As soon as the transaction cleared I went on to dispute it. I went through the process and was provisionally given my {$XXXX} back. Part of this process included having to get a whole new card and keep a close eye on my account. Since I no longer felt I could trust credit karma I moved my money to my other bank account. Weeks later XXXX XXXX came back with the decision to not grant/approve my dispute and made my account negative in the amount of {$XXXX} because they took back the {$XXXX}. I have fought and fought them over this decision. I asked them to send me the proof that I authorized this transaction and all they could send me was an address and a last name that it went to all if which included the state of XXXX  when I do not even live near there and a last name that is not my own or anyone related to me. I told them my physical address, the state I reside, and my name. None of the information matched. I told them I took all the necessary steps to try to stop the transaction and what I was told by their agent. They even seen the proof where I stopped the other big purchases that were in XXXX XXXX, as well. Now every time I call them, they hang up on me. I do not feel this is my responsibility or fair to me. I have sent them emails regarding this matter, as well, and they seem not to care. I'm to the point that I'm ready to take legal action for the stress this is causing me and the potential it has to mess up my credit. I must note, as well, that I tried disputing this from XXXX, too, but they can not without credit karma admitting this was a fraudulent purchase.
Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (OH)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX {$2700.00} XXXX XXXX {$3900.00} JEFFERSON CAPITAL SY {$1300.00}