davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

USAA disabled my account access on or before XXXX. I called the company approximately 5 times to restore access. The first time, they told me to upload an identity document to the website to restore acces, which I did. The website malfunctioned and told me there was an error despite the identity document being exactly what was requested. The representative told me to mail a letter to USAA requesting access, which I did. 

In the next conversation, USAA reset my password and told me I had access to my account. When I tried to access my account on the phone and failed -- I received an error message saying I did not have a valid email address or phone number in the system -- the customer service representative told me to wait a while and try again. I did, and it failed every time. 

When I called back, the representative told me I did, in fact, have a valid phone number in the system. The phone was then disconnected ; I believe he hung up on me. 

In the next conversation, the representative told me that my account had, in fact, been disabled due to possible fraudulent activity and that USAA had not yet begun an investigation. I was told they would complete the investigation in 24 hours and contact me with the results of the investigation. I did not receive notification of the results. When I called back, I was told the office that deals with these issues is closed and to call back yet again.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (NY)

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.
Consumer complaint received 2024-01-06
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: Affirm Holdings, Inc (GA)

Ordered from XXXX on XX/XX/2022 with payment plan through Affirm. 
All items were returned. 
Affirm did not resolve pending returns with XXXX, account status showed a remaining balance. 
XXXX confirmed the remaining balance was less than what Affirm showed. 
Paid remaining balance once XXXX and Affirm settled the dispute and confirmed all items were returned. Affirm provided documentation of proof ; responsible for repayment was false and account was paid in full. While the disput was being settled between XXXX and Affirm about the returned products, Affirm falsely reported late payments to my credit report showing as a negative. Provided proof to XXXX and they still did not correct or remove the false reporting.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

My checking account in Chase ( XXXX ) was closed by Chase suddenly without any reason in XX/XX/2023. All my money is in the account and it caused me a lot of problems in living and studying. 
I connected them for many times to ask my remained money back, and they said they will give me check within 15 days. But after 4 month, they didn't give me the check. I really need the money ( {$4500.00} ) to pay for my rent and tuition. 
So I hope you can help me to ask them to give my money back. My address to receive the check is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD, XXXX. 
Thank you.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (TX)

My Amex Serve account was fraudulently hacked and 8 transactions on XX/XX/XXXX {$49.00} x 2 XXXX XXXX XXXX XXXX XXXX XXXX were allowed to go through. I never received 1 text message or alert from the fraud department. I live in texas and the charges were in California. I called in disputed the charges and returned the dispute form. 

I have been given the runaround. They can't reach the fraud department by phone according to ever customer care rep. You can't speak to a supervisor. 

Per their website a provisional credit is issued within 10 business days.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (IL)

Reporting late payment on credit report. Shellpoint mortgage repost late payment on credit report. XX/XX/XXXX of 2023 and XX/XX/XXXX of XXXX.No action was taken they would not remove it. 

XXXX XXXX amount XXXX report late after stating that the loan can be push back.
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CA)

I've tried years to remove this. It's not mine. I don't have a contract with this debt collector. It's a certificate of indebtness why does this company not know the law and is still reporting it? I can't get any loans for my business. This collection has really done harm to my life.
Consumer complaint received 2024-01-06
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: SYNCHRONY FINANCIAL (NY)

Re : Dispute of Interest Charges and Credits on Account XXXX XXXX XXXX Dear Synchrony Bank, I am writing to dispute certain charges and refunds posted to my CareCredit/Synchrony Bank account XXXX XXXX XXXX. Despite being advised by your employee that a refund has been issued, my credit report and account statements do not reflect these changes accurately. Here are the details of my dispute : Dispute XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as INTEREST CHARGE* PURCHASES REFUND Explanation : These entries suggest a refund of interest charges that I believe are erroneous. I have not received clarification on why these interest charges were applied and subsequently refunded. 

Dispute XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT BALANCE REFUND Explanation : The credit balance refund amount appears to be incorrect. I request a detailed explanation and correction of this entry. 

I was advised by your representative that these issues would be remedied and that I should contact you for a resolution. Please review these disputes, correct the errors promptly, and update any inaccuracies reported to the credit bureaus. 

Enclosed are copies of my account statements and the relevant transactions highlighted for your reference. I trust that Synchrony Bank will resolve these issues swiftly and accurately. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (FL)

On the XX/XX/2018 I communicated and setup a payment to payoff the balance of a loan created with the XXXX called, Bigpictureloans, and was informed the total amount to payoff my outstanding balance of {$630.00} including interest and principal. The payment of {$630.00} was schedule XXXX XXXX, XXXX and was informed that the amount will be drafted out of my account on XX/XX/2018. The amount was reflected as stated and the {$630.00} was debited from my account. 

I, then received a call, from bigpictureloan stating that they were attempting to collect a debt of an amount of {$120.00}. I told them, I am stopping the communication and will transfer all information about there company to be reviewed, to authenticate their account practice. 

I am filing this complaint to prevent any further attempt to diminishing effect in a case to resolve their act on me or any other consumers who may potentially fall prey to this accounting tactic. I was told a total payoff amount and quoted to be paid in full and was confirmed by bigpictureloan. 

I don't like a fact being said and not granted, any disclosure about a past due amount must be included into a total payoff balance, when I or any customer, should ask for a total amount to payout and close their account must be honored. A failure on the system of bigpictureloan accountancy is a violation and should be fined and ceased until corrected and must be fixed. People should be granted the Right to pay off everything when they ask for it, transparently in all financial system of accountancy. 

If they have multiple incident of this act of closing by multiple consumer of bigpictureloan. The Consumer should have restitution because they may be in breach of trust.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IL)

Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have provided my information to a consumer reporting agency without any written form of disclosure and without my written consent. You also failed to to produce evidence of said disclosure as described within the FCRA as no such document exist. This was a third party entity that bought my information another source.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NJ)

I am a US citizen and my cell phone was stolen on XX/XX/XXXX in XXXX, XXXX while on vacation. The thieves hacked into my device and opened an unauthorized credit card with Apple after changing my AppleID and locking me out of my email. The credit card opened was called a XXXX XXXX XXXX through a partnership with Apple and Goldman Sachs. I am extremely angry that Apple and Goldman Sachs would authorize a card in a foreign country with absolutely no verbal verification by me and would run an inquiry with the credit rating agencies. I reported the phone stolen to my cell phone provider on XXXX  after it was apparent I would not be able to recover the device. I had marked the phone as lost on XX/XX/XXXX with Apple prior to getting locked out of my AppleID so they should at a minimum have known there was suspicious activity. I did not discover the fraud until XX/XX/XXXX when I noticed an email about the card being shipped. Note that the thieves were able to open the card on XXXX  and promptly maxed out the available credit of {$3000.00} instantly despite the card not physically being shipped with all the transactions occurring in a foreign country. I have submitted an Identitytheft.gov report and a police report and am awaiting a decision that will take weeks. Despite the obvious fraud I am concerned that I will unjustly suffer a negative credit event. I am also going to submit to them chat logs I have with XXXX ( my cell phone provider ) indicating the phone as stolen on XX/XX/XXXX as further proof.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

Someone opened an account with my name and email at Chime. When I called their fraud department and gave them the account number, name and email address they still wanted me to voluntarily give them my date of birth and last 4 of my social security number in order to talk about the account. When I refused to provide more personal information because this was opened fraudulently they did nothing and said they couldnt go further. XXXX is the name of the agent I spoke to.
Consumer complaint received 2024-01-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (TX)

Regarding complaint # XXXX SLS mentioned that they received my 2nd loan from XXXX, but in previous correspondence they said they obtained it from the trustee, which was attorney XXXX XXXX XXXX SLS stated : " With regard to the documentation received from XXXX XXXX regarding the modification of the first mortgage loan that occurred on XX/XX/XXXX, the amount capitalized into the first mortgage principal balance in the amount of {$10000.00} appears to be for delinquent interest in the amount of {$4200.00}, escrow in the amount of {$3400.00}, and fees in the amount of {$2200.00} ''. ( First of all, that information did not come from SLS. SLS never proved that they were even assigned my loan. ) If you add the escrow of {$710.00} to the {$10000.00}, the total is within XXXX cents of what SLS says I owed. The top page of the attachment is from SLS. That amount was added to the primary loan, see principal balance after transaction on the bottom page. There you have it, the 2nd loan was added to the 1st loan, as evidenced by the provisions of the modification, the increase in the 1st loan, a statement by the XXXX Rep, and I stopped receiving statements from XXXX for the 2nd loan after XX/XX/XXXX. Even though there is no proof that SLS was ever assigned my loan SLS threatened foreclosure and took me to federal court. I had to refinance my home and file bankruptcy. My family and I have undergone an incredible amount of stress. In XXXX of XXXX I paid SLS {$33000.00} under protest.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One provides virtual credit card numbers so that the customer doesn't need to use their actual credit card account number when making online purchases. This enhances security and the service is called eno. 

On XX/XX/2018 I attempted to make two online purchases using eno numbers and they were declined on the merchant websites. I was able to make those purchases immediately afterwards using my actual credit card account number. This negates the benefit of eno and exposes me to an increased risk of fraud and is reckless behavior on the part of Capital One. 

I spent over an hour on multiple phone calls with Capital One, yet their representatives were unable to tell me why those two specific transactions were declined. I requested a call back from a manager but never received one. 

Obviously Capital One is recklessly disregarding customer concerns and should be penalized in some way.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2024-01-05
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: U.S. BANCORP (CA)

On XX/XX/2023 approximately XXXX dollars was used at a XXXX and later a XXXX on a stolen US Bank credit card after thieves had taken my hidden phone and wallet after breaking into my car. US Bank only sent a text trying to confirm the purchases, despite it being way over my credit limit. Later after calling to claim the purchases as fraud they then told me they marked it as fraudulent and debited the money back to be. Then without sending an email, text, or call reversed the decision and charged me that fraudulent amount on XX/XX/2023. I appealed the decision on XX/XX/2023 and over the phone on XX/XX/2023 but they denied my appeal because I hadn't filed a police report nor an insurance claim on the broken car window ( which I explained would've increased my insurance and was cheaper to pay out of pocket ... I also have the reciept for the new car window ), despite the constumer service rep agreeing on the phone that the spending on the card was out of character for my spending history. The rep spent 2 minutes determining her decision and based it solely off not having the police report/insurance claim, there was no attempt to check the signature at the store nor look into previous spending habits. I offered to demonstrate that XXXX XXXX XXXX had deemed the spending on my other card as fraudulent but that attempt was ignored. I have reciepts for insurance filed on my stolen phone, reciepts on the broken car window, and clearly the merchant should have a wrong signature used at the store but none of these were used to verify my claim. I was charged the fraudalent amount without any attempt to reach me electronically.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: REGIONS FINANCIAL CORPORATION (TX)

In XXXX 2023 received an unsolicited credit card offer to open an account with Regions ( regions.com/preselectcash use promo code XXXX ). The solicitation simply states, '' Get a {$250.00} Cash Rewards bonus when you spend {$1000.00}. in the first 90 days '' Per their promotion there were no other stipulations to receive this reward. The credit card was approved and issued on XXXX XXXX in my name, card # XXXX XXXX XXXX XXXX. 
Per the promotion and within 60 days I charged in excess of {$1500.00}. to this card and have since paid all charges owing them in full. All paid on or before the due date. I want the {$250.00}. bonus credited to my account to offset future charges. Today I called their customer service number XXXX XXXX XXXX XXXX and spoke with an agent explaining i wanted the {$250.00}. reward added to my card. He verified I had met the {$1000.00}. charge requirement but said 90 days have to expire before the reward is credit to my account. Just by chance the 90 day requirement he referenced was satisfied today! Pointing this out to him he then said regardless of that at least two more statement cycles must expire before they would credit the account the {$250.00}. He furthur stated there were no exceptions to this even though I pointed out to him the promotion mentioned no such thing. He said he would open a complaint on my behalf.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts were never given my permissible purpose to furnish this account. Further more they infringed upon my rights to privacy in pursuit to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially in pursuit to 15 USC 1681 a ( 2 ) ( 1 ) any transaction or experience should be excluded from my consumer report.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2023-10-19
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

This bankruptcy report has been reporting inaccurately and is ruining my life. The name, the courthouse, the file number, the date : these are all inaccurate and must therefore must be removed from my report. Please help me and get this item off my file.