davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NJ)

I have issues with XXXX 's credit card. XXXX offers XXXX Rewards for purchases. It gives start XXXX 's money {$10.00} for XXXX points. The rewards expires 30 days after it is issued. I have been forced to make a purchase if I want to take advantage of the rewards. However, it never provides details on how my star rewards were accumulated and how my returned purchase impacted the star rewards. 

XXXX now charges money for using star rewards after I returned a purchase. I was charged {$1.00}, {$1.00}, {$5.00}, {$5.00}, {$.00}, {$.00} {$.00} on my credit card statement without any details. 

I have never been provided with history of star money earning, nor reduction due to returned products. I am being charged money without knowing what the charges are. It is a fraud and cheating of consumer.
Consumer complaint received 2024-06-27
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: SYNCHRONY FINANCIAL (OR)

Care credit/ synchrony bankclosed my account without prior warning that they were going to close it. They closed it without any reason to close it. It was in excellent standing. The only valid reason they claimed was " not spending/using the account in 6 months. '' But the account was XXXX balance with all R1 payments, meaning excellent standing. When they closed this account it dropped my score XXXX points in a single day in the middle of me trying to qualify for an apartment for my family to move into. I have sense been denied this apartment based on my credit report coming back failed. I have filed a dispute with the leasing company to change this result. I am now in the process of this dispute. I requested the credit company send me a letter stating my account was in excellent standing when they chose to close my account. They did not do so. I asked that it be noted on my credit report. They did not do this. They noted that the customer is disputing this information. Now I am dealing with another hurdle do to their wrongful termination of my account.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank closed my account for amazon store card through fraudulent means and claimed that I asked them to close the account when this is not true at all. They then proceeded to steal my security deposit and ruin the credit store by closing the account when I did not give them permission and thus there reasoning is unjustified
Consumer complaint received 2024-06-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CO)

On XX/XX/XXXX my loan was paid off for my XXXX XXXX XXXX XXXX. It took until XX/XX/XXXX for XXXX to process my payoff and send my title. 

Supposedly they sent my title via snail mail and would not allow me to request a lien release until recently. I requested the lien release as of XX/XX/XXXX and was told to expect it via fax within XXXX hours as an escalated attempt to assist my situation and still have not received the lien release either. 

I am losing value on my vehicle and am having to pay insurance on the vehicle despite my intention to sell it after the vehicle was paid off. 

To continue to have the title be missing with no assistance from XXXX is unacceptable.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Procollect Services LLC (ND)

I have been trying to pay an old fine for the XXXX XXXX XXXX North Dakota for several years. " ProCollect '' in XXXX had been " assigned '' to " assist the city to collect these written off fines. '' I also have several other debts that are older debts than this specific fine for a traffic violation. I have discussed how the Fair Debt Collection Act protects consumers by requiring collection agencies to apply the payment as per the consumer 's instructions and that their policy " to apply the payment to the oldest debt on the account first, '' would be nearly impossible for me as it is a medical debt that exceeds my annual income amount. I have attempted to speak with several people at the debt collector 's office, the attorney general office of North Dakota, the North Dakota Financial institutions Office and the staff and city attorney for XXXX XXXX courts. I have been hung up on by Procollect 's staff and managment because I refused to disclose to them my name ( to Procollect ) as this is really an issue that applies to every person they have debts they are attempted to collect from and not just my individual self. I want XXXX XXXX XXXX XXXX XXXX to be assessed as well because they sent this debt, without notice and without prior expectation that if the debt went unpaid for a specific length of time that they would then " write off '' the debt to be collected by a 3rd party agency. In addition, Procollect, has informed me that once they allow a consumer to satisfy a debt that comes from the municipal court for the XXXXXXXX XXXX XXXXXXXX, the company sends notification back to court staff so that they may then send verification to the XXXX XXXX to release the suspension ( if one was issued ) and restrions in relation to that fine that was turned over to procollect on a consumers ' driver 's license. This violates the Fair Credit Consumer Reporting Act. Procollect has informed me that they receive NO commission for the collection of these debts for any account and they do not " own '' these debts. This violates the Fair Credit Consumer Reporting Act and my right to privacy. North Dakota has assigned the North Dakota Department of Financial Instatutions to " regulate '' such complaints according to online resources and the person I spoke with at ND attorney general 's office. This is also a violation of the Fair Debt Collection Act. Please send me instructions as to how I should proceed so that my complaint continues to become a cause for action at the appropriate level and change can be implemented against the unlawful acts of a government office and it's contracted businesses and their staff.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is currently reporting that my score is XXXX and that isnt even close to what it is supposed to be reporting. 

I need Transunion to get the correct score reporting for my credit report.
Consumer complaint received 2024-07-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MO)

My husband and I ordered XXXX XXXX XXXX  for our children through XXXX XXXX. Upond further review of the watches and service ordered for the watches, we immediately cancelled the order. We called and notified XXXX we wished to cancel the same day as the watches were ordered. 

XXXX completed the order anyway and shipped them to our residence. Service to the watches was never activated and the watches were returned immediately via XXXX shipping labels provided to us by XXXX. XXXX claims they didn't receive the returned items for over 45 days after we returned them via XXXX. XXXX charged us hundreds of dollars for not returning the watches within the 45 day window. 

After multiple calls with XXXX and hours on the phone with their representatives, they admitted they had received the returned watches well within the 45 day window but the returned package had sat in their warehouse without being returned through their inventory process. Even though it was no fault of our own and due to their employees failing to check in the items to their stock, we were still being charged for the items being " returned '' over the arbitrary 45 day window. On the final phone call with XXXX ( almost XXXX hours on the phone ), the manager I spoke with agreed it wasn't our fault but the charge would have to go to an " Associate Director '' to be pulled from a collection status. We never heard anything after that until the bill recently showed again on my credit report. XXXX is charging me for a good that was never accepted ( the watches ) and a service which was never provided ( phone service to the watches ).
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 I spoke with XXXX from Chase Disputes, who informed me that my dispute is currently open and under review. She explained that this means the merchant involved has a fixed period of 35 days to respond to the dispute. This process ensures that both parties have an opportunity to present their case before a resolution is reached. 
XXXX assured me that I will receive a phone call if there are any questions or if additional information is required from my side. She advised that I should return any calls from Chase as quickly as possible to facilitate a smooth and efficient resolution process. 


I did not recieve any such phone call from Chase and on XX/XX/2024, I recieved a letter which said that my dispute had been denied. 

I am not happy with the customer service that I have received from Chase regarding my dispute and I am not sure why XXXX provided me with erroneous information that I would receive a phone call from Chase. 

Also I believe that XXXX provided me with erroneous information that my dispute was under merchant review, because I had called back on XX/XX/XXXX and I was told a different story.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (IN)

The first time in approximately 7 seven years I recently had {$900.00} worth of Transactions done in 24 Hours on my Account. 
This has never happened since I have been with the company. 
I'm a XXXX Military XXXX XXXX  Veteran, I live in XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
I only performed about {$400.00} Worth of Transactions. 
I filed an Affidavit, Called everyday and they still haven't given me a Provisionary Credit as promised. 

I'm having to Beg for Food, Nothing to Drink, and things are being shut off. 

It's Direct Express XXXX XXXX. 
Please, don't let these people starve me out when in approximately 7 seven years I have never had a complaint with the or no one. 

I shouldn't have to Beg after serving this Country Honorablely. 

Please Help!
Consumer complaint received 2024-06-02
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. (NM)

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the XXXX XXXX XXXX account. No account number has been given.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (TX)

I have a Checking account with Juno ( https : //juno.finance ). In the past days, Juno 's banking services, including ACH transfers, wire transfers, and card transactions, have been disrupted. Cash services are unavailable. Juno states that this is due to issues with Juno 's banking service provider. Juno also states that the disruptions are due to issues with their banking services provider, XXXX XXXX XXXX XXXX And that, Juno is not responsible for the disruptions. They have been closely collaborating with XXXX XXXX XXXX XXXXXXXX and their brokerage partner, XXXX XXXX XXXXXXXX, to resume normal service operations. But it's already been over a week that my checking account is basically frozen.
Consumer complaint received 2024-06-02
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. (NM)

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX : XXXX.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Consumer complaint received 2024-06-02
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. (NM)

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Account Name XXXX XXXX Account Number : XXXX Late Payment Date : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a cr
edit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-14
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (OR)

I opened a Synchrony Care Credit Card at the insistence of the XXXX  to pay for my sons XXXX. I used their payment calculator to figure out how much to pay a month so that it would be paid off in time. The XXXX  keeps the number on file and at some point I was charged another amount ( without being informed directly ), increasing the balance. This resulted in me having a balance of {$900.00} at the end of the promotional period. I was subsequently charged nearly {$940.00} in back-interest, at a rate of % XXXX. I could have used any other credit card and got a better deal. I asked for help with the balance and they refused. I was planning on using the card to pay for my son 's XXXX in XXXX weeks but now can't afford to use the card. I paid the care credit card fees off with my entire paycheck to avoid getting bad credit or new fees, but I am single mom and is totally devastating.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX