davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I have XXXX credit card accounts. The company charged a late fee for the month of XXXX and marked on my credit that I missed a payment/late payment for both ( {$15.00} ). Partial payment was paid in XXXX. At a later date in the month XXXX payment was made of {$700.00} to XXXX card and then {$800.00} for the other card. Shortly after the XXXX payment ... my credit limit was decreased. The other card was fully paid off in XXXX and notice was just sent to me that it was closed. The reason for the closure and decrease was for a lack of real estate account loans, to few bank cards with high limits, balances on accounts too high and to few accounts paid as agree. 

Since the accounts were marked as not paid on my credit ( which in fact they were ) it dropped my score. All of my other cards have XXXX balances, but since they lowered rhe credit limit for the one card after payment it resulted in a higher balance.

I called and spoke with a manager on XX/XX/24 and was told they periodically can check credit and it's stated on the back of my billing statement. There is nothing stating that on the back of my billing statements. I've had the acount for over 3 years and never had anything " periodically '' checked. I was told there's nothing they can do. I disclosed that I find it interesting that after I paid them {$1500.00} that my accounts are being closed and limits dropped. When requested what company my credit was run though since it didn't specify in the letter, she told me that it does say it. I attached a copy of that letter and there is nothing specified.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-07-13
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. (CO)

Hello, I sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2022. Til this day over 11 months later and I still have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 120 days so they should be deleted promptly.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e9b ) and 15 US CODE 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

This has cause me significant damage to my credit report and score and has blocked me from being able to pursue credit for my business and being able to provide for my family a better life. I am in severe distress and I need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. As a consumer we should be protected from companies falsifying information on our report and reporting incorrect info.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I contacted Walmart Capital One and asked for temporary assistance with my bill. I have never been late once and since the account was opened years ago. I had a medical problem went into the hospital ( have proof Drs note hospital etc. ) I missed one payment and I called as soon as I got out of the hospital with my mother as I was still weak and needed her help. We were told there was nothing I was eligible and had to make the minimum payment off {$490.00} by the next due date XX/XX/23. I was shocked and hurt t the same time and stated I would be filing a complaint to let someone in Corporate know what was going on if they did not know. And to let other consumers know that after missing one payment Capital One would not work with me or credit any late fees. This is truly a punch in the gut to me because I am still not back to work and I can not believe Capital One Walmart has no option to help me on a temporary level. I would like to speak to someone at the Corporate level regarding my concern as this could happen to anyone if they are not rich and get hospitalized.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (AZ)

Received an email from this person/company on Sunday XX/XX/2024 @ XXXX XXXX PST. 

The subject line of the email had my name followed by : ALERT! Special offers just landed This subject line was deceptive and appears as though I was receiving an offer for something for sale. 

Reviewing the email, showed clearly that it was an attempt to collect on a debt by someone who has my name but I have never had any debts for this amount or with the creditors listed. If I did, they are long past any statutes of limitation on being collected on and do not appear on my credit reports. 

My suspicion is that this company, if it is a legitimate debt collector was merely fishing for the person they are looking for who has the same name as mine. 

Emails such as this which contain personal information should be illegal to send out without first confirming that they are sending to the correct person to avoid disclosing sensitive personal credit information to an incorrect and unknown party.
Consumer complaint received 2024-04-16
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. (VA)

I am writing to express my deep frustration and dissatisfaction concerning the ongoing presence of fraudulent items on my [ account/bank statement/credit report, etc. ], despite multiple attempts to address the issue. This letter constitutes a formal complaint regarding the many unsuccessful attempt to remove these unauthorized entries. 

The persistent presence of fraudulent activity has caused me significant stress and inconvenience. As a loyal customer, I entrust your institution with the responsibility of safeguarding my financial interests and promptly addressing any security breaches. The repeated failure to remove the fraudulent items undermines this trust and raises doubts about your institution 's effectiveness in handling such matters. 

I urge you to take immediate and decisive action to comprehensively address this issue. This should involve conducting a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as implementing robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 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 2024-03-01
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OK)

PAYMENT MISALLOCATION - SYNCHRONY IS CHARGING ME HIGH INTEREST ON AMOUNTS I PAID OFF IN XX/XX/2023 AND REFUSES TO CORRECT THEIR MISALLOCATION. 

Lowe 's Synchrony XXXX Stmt balance total was {$7700.00} broken down as follows : " Regular '' XXXX ; " Fixed Pay Reduced APR '' 7.99 % {$7000.00} ; " Reg Deferred Interest/With Pay '' XXXX. I paid {$720.00} on XXXX plus {$130.00} on XXXX ( XXXX was minimum monthly pmt required and was to be applied to promotional 7.99 % balance ). Settings on my account was " Standard Allocation '' - excess payments will be applied to non-promotional balances first. 

I called Synchrony on XXXX and requested allocation of the XXXX pmt as follows : {$720.00} to Regular and {$260.00} to Deferred. They did not allocate the payment as I requested and still have not done so. I called again on XXXX with same request, but nothing was corrected. In fact, instead of applying {$260.00} to Deferred, they added it to my promotional balance as though it were a new purchase so I'm now paying 7.99 % on this amount, which I paid off on XXXX. 

On XXXX, I mailed paper letter with backup requesting same correction. Synchrony 's response was I should file a Dispute. I've sent multiple additional messages thru their online message portal. I've received conflicting responses : issue is resolved ; they'll correct & get back to me ; I should file a dispute ; it can't be corrected because I didn't make the request within 60 days, etc. My latest stmt dated XXXX still shows " Regular '' balance is XXXX, so I'm being charged 26.99 % interest on a balance I paid off on XXXX.
Consumer complaint received 2024-04-16
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. (VA)

I am writing to express my growing frustration and disappointment regarding the ongoing issue concerning the correction of a late open accounts, despite repeated attempts to rectify it. This letter serves as a formal complaint concerning the 6th unsuccessful endeavor to address this matter.

The continued presence of this late open accounts on my records has caused me significant distress and inconvenience. It not only affects my financial standing but also undermines my confidence in your institution 's ability to handle such matters effectively and efficiently. 

I urge you to take immediate action to rectify this situation comprehensively. This should include conducting a thorough review of my account records to identify the root cause of the discrepancy and implementing measures to ensure that similar errors do not occur in the future. With this, I am asking for your assistance to correct these accounts in my credit file 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 2023-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (OH)

In XXXXXXXX XXXX XXXXXXXX I opened accounts and transferred {$100.00} into Navy Federal Credit Union. 

I discovered today ( XX/XX/XXXX ) Navy Federal Credit Union froze my accounts and claimed my membership was fraudulent. I cant see any of my accounts or get my money back. Navy Federal at no point even informed me they were freezing my accounts.
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NY)

Its the same old tricks from Venmo : XXXX ) allowed me to buy XXXX ; charged fee XXXX ) wont let me send XXXX XXXX ) allowed me to sell XXXX ( to get my money back ) ; charged fee. 
XXXX ) holding my money for a week after selling ( unheard of in industry ). 

Dont reference your XXXX XXXX  XXXX. You are a XXXX XXXX company that should have your license revoked. Its all over XXXX, you pull the same stunts with everyone. Why the XXXX XXXX or the CFPB hasnt fined you more or taken your XXXX license away is beyond me.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (AR)

I have had an account with Sofi for several years and never had any problems. On XX/XX/year> I attempted to log into my account to pay a bill. I put my username and password, and a screen came up to input a XXXX digit authentication code. I had no access to receive this code. So, I contacted the bank, which unfortunately goes to a call center in XXXX and are very hard to understand. They attempted several remedies but nothing worked. They said they would file a ticket with the back office to resolve this. I never heard back from them, so the next day I called again with the same results. The representatives are never able to really help you. I called again the following day and still no help. I desperately need to be able to access my account to do my banking and can not get anyone to help me
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (OH)

I reported a fraudulent activity on my account and SoFi bank restricted access to my account. To regain access, I have to verify my identity. To do this, I call the number provided by SoFi and am told they will send a text message with a link inside. Once clicking the link I will verify my identity using my phone camera and my ID. The problem is that the text message does not ever come. We have tried to do this multiple times and have used other phone numbers. The texts are not being sent to the spam or trash folder. They just aren't coming. When we ask for another way to verify the account, we are told that this is the only way. They have not offered any other way to resolve this and when we call we go through the same process every time. Other banks provide multiple ways to verify your identity- surely a sophisticated company like SoFi can manage to help a customer access their account.
Consumer complaint received 2023-06-06
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 (ID)

Venmo will not let me transfer money from the Venmo account to my bank. This has worked for over a year but now it doesnt and they wont tell me why, and nobody has offered any help other than try it again later.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AL)

JPMCB has been reporting to all 3 bureaus inaccurate payment history showing my date of default to be both XX/XX/XXXX and XX/XX/XXXX when it was actually several months prior, also this Open-Ended account was closed past the State of Alabama Code Section 6-2-37 ( XXXX ) XXXX allowance causing the balance to be incorrect as well. 

The original date of default being extended inaccuratly was intentional and set in place to supress my credit perventing me from making a home purchase.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have written 3 letters to Experian to investigate and remove several incorrect items on my credit report. However, even after sending numerous identification documents and utility statements to verify my identity, I keep receiving letters stating that because I am using software to formulate my complaint, they keep accusing me of being a credit repair company, which I am not. 

There are blatantly incorrect items appearing on my Experian credit report and the company has ignored my request to have them removed
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (KY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Re : Chase Bank I received an email on XX/XX/24 informing me that my accounts will be closed and to wait for a letter with an explanation. I received the letter on XX/XX/24, template letter nothing personal, stating my accounts ( two checking and four credit cards ) will be closed on XX/XX/24 because " unexpected activity on this or another Chase account ''. A phone number was provided in case I have questions ( XXXX ). I called the number on XX/XX/24 asking for any explanation ( I have been with Chase for more than 20 years ). The customer service person/banker told me that the bank does not give explanations when closing accounts and kept repeating it. Then I asked for those " unexpected activity '' and I was told that the bank does not give explanations. After trying to get any information back and forth I just gave up on the call. 
Just like that Chase bank will close my two checking accounts and four credit cards with combine credit line {$32000.00}. That will devastate my credit score. 
For the record, I have no late payments or paneities on any of my cards. All of my accounts were and are in good standing.
Consumer complaint received 2024-04-16
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. (FL)

I recently disputed this account in XXXX of XXXX, and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFIABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

Account # XXXX - Delete this erroneous account IMMEDIATELY! 

Several problems with this account AFTER an investigation : 1. The date active is different across all three bureaus. 

If EXPERIAN really did an investigation, why is the last active reporting date is XX/XX/XXXX when the account was disputed XX/XX/XXXX. It should state XX/XX/XXXX because that is the date they received the dispute and began an investigation.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/23 my debit card was compromised. I believe that the card information was obtained through some card reading system. I noticed a few charges on my account that I did not do. When I realized that there were charges that I was not responsible for I immediately filed a police report when I arrived back in XXXX XXXX on XX/XX/23. I reached out to Navy Federal and advised of the charges and also sent a copy of the police report. Today, I received notification from Navy Federal that the claim was denied because of conflicting information. The Fraud Claim Department manager, XXXX did not and would not inform me of the conflicting information which was explained on the police report and also explained to Navy Federal. As a result, Navy Federal took {$510.00} from my account and stated that the claim was closed. They advised that I would be able to appeal after answering a line of questions. Those questions are : 1. Why do you believe your claim should be honored? 2. Was the card in your possession when the fraud occurred, or was i
t lost or stolen?

3. If the card remained in your possession, how do you believe your card information was obtained?

4. If lost or stolen, what date did the card fall out of your possession?

5. If you have ever allowed anyone to use your card, how do you know this person ( s )?

6. If you received any merchandise from the merchant, is this merchandise still in your possession?

7. Did you authorize or participate in the charge ( XXXX ), but there was an error? 

I provided all of the evidence requested by the fraud department, I never received a call back nor a follow up during the claim process. No additional information was requested and unfortunately because of the type of theft, I am unable to verify where my card could have been compromised being that I used my card throughout the course of the day. I am aware that in XXXX, identity theft is prevalent and as I explained to the representative, I believe that a card reader was used to capture my information.