davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (PR)

This complaint is about Amex knowingly not making a payment to XXXX after their advised 30 day policy per their Fraud XXXX. I confirmed to Amex {$1700.00} XXXX transaction made on XXXX was valid. Amex Fraud Dept Team sent me a letter via Secure Message on XXXX confirming that the transaction is no longer in question and Dispute Reference Number : XXXX was closed. First I was told to wait 3-4 days for them to pay XXXX, then 1 week, then 2 weeks, then 1 month and TODAY they ask me to wait 1 more month. Their " rigid protocol and bank policies '' CHANGE everytime I call. From general customer service to supervisor, nobody know nothing every time I call and ask me to wait and wait to then have call back later and give me a different excuse and provide me with more lies about a new " protocol '' they have. At this point they have given a different protocol for the past 30 days I have called different days. 

The only thing Amex needs to do is to pay back to XXXX and they refuse to due to their " protocols '', which change every single time I call them to follow up. I have waited all the time they mentioned and done everything they've advised me, which were all lies from them confirmed by themselves. They have recorded calls. They keep making different excuses every time and blatantly continue to lie to me about everything despite I filed a Customer Service complaint to them about their employees ( general customer service, fraud team and supervisors ) lying to customers like me to get off of their responsibilities. Then they get mad at me and continue to lie to me when I tell them all the lies they have given me and they become speechless and do nothing. Last week, XXXX, Fraud Dept agent XXXX gave their number XXXX and advised me " this was an unusual situation and that Amex should've paid XXXX long ago, that it was most probably a mistake from Amex was done in this process and they ALL have overlooked it '', his words. He advised he was in charge now of handling those type of XXXX cases and it was not okay on Amex end. Today XXXX, Amex Fraud Dept XXXX advised me they have " initiated the process to pay back XXXX but didn't knew what was taking so long '' and proceeded to give more excuses. When ALL previous reps have advised me that Amex had already PAID XXXX. 

The complaint ID # I submitted with Amex last month XX/XX/2021 for them lying to me is XXXX - The rep could not even/not wanted to spell her name ( something Samalia I don't know ). She advised another lie that everything should be resolved by the end of XXXX and that I was going to receive a letter. None happened.
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

To whom it may concern, In response to my complaint # XXXX-XXXX submitted on XX/XX/XXXX via CFPB to PRA, please be advised i never received any letter or/and any correspondence on XX/XX/XXXX ( see attachment ) and clearly PRA knew i was living in New Jersey at the time. I wasn't given the right to dispute this debt and clearly it was done intentionally on PRA 's part.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (PR)

I've been trying to withdrawal/transfer my money from my robinhood account to my personal bank account without success. The first time the problem was fixed and i was able to transfer the money successfully, but now again i'm in the same situation. I already sent my passport card and the page from my passport book photo. twice. Now on, you said like I changed my name or something, which I don't. I don't think I'll need to fill the form to change my name because my name hasn't changed since I was born. I really need to be able to withdraw my money like I already did in past times. I've been requesting for call support from your end without any success either.
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 I deposited a check for {$6800.00} into my Capital One checking account. The money came from my mother 's account at XXXX XXXX in Texas. My mother died in XX/XX/2023, and I was the beneficiary on her account at XXXX, which is why I got the check. On XX/XX/2023 at XXXX I received a message from Capital One that my check had been received, which said not to destroy my check. It said the money would usually be available the next business day. On XX/XX/2023 at XXXX I received an email from Capital One that the availability of my funds have been delayed until XX/XX/2023 because " there's an increased risk that the deposit XXXX return based on confidential information that indicates the check may not be paid ''. On XX/XX/2023 at XXXX I received another email that said my check deposit was successful and that I could go ahead and destroy my check ( which I did, believing the funds would be available on XX/XX/XXXX as they told me ). On XX/XX/2023 at XXXX I received an email from Capital One saying they had delayed the availability of my {$6800.00} until XX/XX/2023 because " there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid ''. By then I had already endorsed the check to Capital One and destroyed the check ( as they told me I could ) so I couldn't try to deposit the funds elsewhere. My family has deposited many checks from my late mother 's bank accounts into various banks, and none of them have had a two month hold. Not only can I not access my money for two months, but it is not earning interest and Capital One ( now in possession of the money ) can do with it as they please. I called their customer protection line twice and they wouldn't do anything to help me, and my father called them multiple times to complain as well. When I called them, they told me they needed to " verify the check with the issuing bank '' ( Prosperity ). The first time, they couldn't get through to them, and the second time they were apparently told by Prosperity that they " don't verify checks ''. Capital One claimed that the check was suspicious because the account holder is dead ( again, we have had no problems depositing my late mother 's checks into other banks- XXXX and XXXX ) then essentially told me there was nothing they could do and then ended my call. I have never heard of a two month hold on a check. The longest hold anyone I know has experienced with large checks ( around two times larger than this ) is around 10 days.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NJ)

TJ Maxx Mastercard ( Synchrony ) ; On XXXX I received email they were going to start charging $ XXXX/month to receive statements in the mail. I logged into my account and elected to use paperless statements to avoid this fee. I have nearly always paid my balance off in full each month and the card is now always used in any given month. I did not receive an electronic or paper bill the following month. Then, on XX/XX/year>, I received a paper bill, indicating that my account is now delinquent, incurring {$27.00} late charges and {$6.00} in interest charges. I called Synchrony, they informed that they never got the notice to switch to paperless, and that the bill was sent ( though it was never received ). They said they would wave the late charge but would not waive the interest charge. Its ridiculous to charge people to get statements, but even more ridiculous to penalize them when they don't receive them. My credit score is XXXX and I have literally never missed a payment before for anything. I believe this is a deceptive practice they are employing to attempt to extract fees and interest from customers like myself that generally don't pay any of these things based on how they are used.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (PA)

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 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MI)

I filed a complaint XX/XX/XXXX due to my account being frozen not being able to use funds I was able to call and speak to people even though they didnt help. XX/XX/XXXX and XX/XX/XXXX I tried calling and they said they couldnt complete the verification process to help me gain acsess back to my debit card and my mobile banking. I stated I wasnt able to verify with my phone number due to my phone being disconnected for non payment because they held my funds up for XXXX weeks. Then i dont have anything from in the mail with my account number I cant access my statement because everything is on the mobile app which they cut my access off too and they are not allowing me to activate my debit card so basically they are still holding my funds up. Even tho they stated my account is active and Im able to access my funds. Since I couldnt verify I was told to visit a branch by the rude customer service staff. They have my address on file they know I live in Michigan so now they are giving me the run around.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2023-03-10
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. (LA)

My name is XXXX 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 2024-08-02
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. (MA)

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance Owed {$110000.00} XXXX XXXX Balance Owed {$0.00}
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Roach & Murtha, P.C. (NY)

i went to court XXXX not knowing about credit card they were suing me for the court ordered discovery for me to verify turns out the credit card was XXXX XXXX XXXX in ny XXXX years is max statue of limitations when i called the collection agency they didnt know about discovery they just want me to not show up and they put a mediator in to settle i shouldnt have to pay for a debt that i have no idea about and is XXXX XXXX XXXX this is unlawful and unacceptable
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-09
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)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX and XXXX XXXX. 

According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Two weeks ago, I received a letter from the IRS saying that Citibank had sent them a 1099c for me. I immediately called the IRS and informed them I knew nothing about this. I call Citibank the next day and the customer service person said they can not find any information about a debt I owed.

I went to a branch to get an answer. The bank manager told me that a Citi Plus account was added to my checking account in XXXX. She said the account was no longer on her system and gave me the phone number to reach the recovery dept.

I called and reached someone in the recovery dept. I explained to them what happened to me with the IRS and asked for the following information.

Did you mail, email, or call me about the debt? the response was I can't see any info. Did you sell the debt to a collection agency? Yes, it was given to a collection agency. Did the collection agency contact me? He said he did not know ; he then told me the debt was written off in XXXX, and the account was removed from them. 

I informed the banker that there are rules and regulations when collecting a debt.

First, you have to inform the customer that they owe a debt. Then, you or the collection agency need to inform the customer that collection has started. Finally, the bank or collection agency will report a charge-off on your credit report.

None of the fair credit reporting rules and regulations were followed. I've called Citi Bank 21 times regarding this matter, and I keep on getting the running around. I called each credit bureau to find out if a collection from the bank was on my accounts in XXXX, XXXX, XXXX, XXXX, and XXXX, and they said nothing from Citibank was reported on my account.

I'm presently dealing with CitiBank regarding a scammer who went into my bank account and stole my money. Citibank is turning out to be a menace to society and ripping off consumers left, right, and center. The
Hacker or Scammer changed my address and email, and I asked Citibank 11 times to remove it. They still have it on my account and recently sent a check to the scammer. Citibank needs to be STOPPED. Even the attorney general is going after them.

I was told it went to collection in XXXX and charged off in XXXX The collection agency was XXXX XXXX, who said they no longer represent Citibank. 

I spoke to XXXX and XXXX at the Citibank Executive Office. XXXX XXXX XXXX XXXX Citibank Executive Office Fax number is XXXX XXXX XXXX I need your assistance to help me resolve this injustice.
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OK)

Comenity Bank was paid off in full online for all three credit card accounts for XXXX credit card account, Ulta MasterCard and Express credit card all on XX/XX/year>. 
I had not made any purchases on the cards for over a month. On XX/XX/year>, they charged me interest on purchases I had not made, and then on XX/XX/XXXX charged me a late fee. 
I was not contacted that this was done on all accounts. Then on XX/XX/year>, I was charged another interest charge and on XX/XX/XXXX another late fee. I received an email on XX/XX/year>, that these cards were reported delinquent and then Comenity lowered the balance hitting my credit again. 

I called them, although they agreed to refund these fees, they have not updated my credit report reflecting no late pays. This has impacted my credit. I asked for a letter stating they would update my credit, but have not received any letter, and as of today my credit report has not been updated.