davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

In trying to convert my credit card reward points to an external transfer partner, I'm being asked to go through a 2-step mobile authentication process. It asked for my cell phone number to send a verification code and then tells me my phone number is not on file ( it is ) and can not be used for verification. When I call CapitalOne customer service they say it's a know issue and they are working to resolve but they have no solutions.
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have an Unlimited Cash Rewards World XXXX XXXX ending in XXXX with Bank of America. I have been using an offer of 0 % interest on Direct Deposit and Check Cash Advances for that card and carrying a balance with 0 % interest from that offer. I made a purchase of {$2500.00} on XX/XX/XXXX and made a payment of {$2500.00} to cover the purchase to avoid accruing purchase interest. However my statement for XXXX ( date : XX/XX/XXXX ) showed an interest charge of {$21.00} and balance amount subject to interest was {$1100.00}. While unhappy about this I made another payment of {$1200.00} on XX/XX/XXXX to cover the amount carrying purchase APR. To my surprise, XXXX statement on XX/XX/XXXX wrote I am having an new purchase interest charge of {$27.00} with purchase balance subject to interest being {$1500.00}. I made no new purchase between XX/XX/XXXX to XX/XX/XXXX at all. While I made my best effort to cover my purchase to avoid purchase XXXX charge over two months following statement, and made no new purchase, I still could not cover the previous stated purchase balance. I contacted customer service however the customer service could not explain why this happened and blamed on me not understanding interest accrual. I could not find anywhere in BofA terms about how this could be explained. This misbehavior of BofA calls for tighter regulation on interest charge and credit card promotion advertising. BofA needs to correct this issue right now and reimburse the wrongly charged interest. BofA needs to clearly publish in the statement how to cover the amount subject to APR but not hiding details in the fine prints.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MI)

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed early warning LLC, there are several frauds/ or unauthorized information these accounts were sold for less to a third party, please see the below accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given Early warning LLC permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Early warning LLC resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2023-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

I submitted a dispute over a fraudulent charge via the phone. There was no place to do it online the person says that they submitted the dispute, gave me the credit because the charge was fraud. I ended up canceling the card because they do not have good buyer protection whatsoever and what a headache. It was just a dispute a fraudulent charge. Well, the person lied to me over the phone never even disputed the charge and was making anti-Semitic remarks. This company needs to be shut down.
Consumer complaint received 2023-12-23
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. (CO)

Hello, My inquiry is about an unresolved dispute XXXX. 
I had called and was told to send them all evidence i had collected of the XXXX $ charge for an XXXX i was physically unable to access in our tiny rental car. The 'road ' was lava rock and mud that had massive dips, so our tiny car had to be physically pushed out of because it was so deep. When it rains ( which is a lot ), those trenches fill up with water making it impossible to enter or leave. 
Of course this was not disclosed in the listing and for the safety of my XXXX XXXX XXXX  son, i did not want to try and tough out such conditions in what was essentially a jungle. The dispute was denied twice now purely because XXXX responded to their inquiries, as stated in the letters chase gave me, and did not review my evidence that it was physically impossible to actually use the service i paid for. I am beyond disappointed that a credit card company will not even review any evidence a customer puts forwards like this.
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (OH)

I have contacted PNC 7 times to report fraudulent transactions on my XXXX account. 
They responded telling to call XXXX because its not the bank 's problem. I called again to explain it was their responsibility and XXXX doesn't take responsibility over it. 
They had done investigation and told me it was my fault for the fraudulent transaction. 
There was XXXX {$1000.00} transactions to XXXX XXXX and XXXX {$650.00} to the same person. Total of {$4600.00}
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercury Financial Intermediate LLC (MA)

In accordance with the Fair Credit Reporting Act these creditors violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 US 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, 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. (TX)

Improper Use of my credit report, In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right by placing unauthorized inquiries on my reports. below are the following inquiries XXXX Of XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX Experian XXXX Cred XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX bank ) XX/XX/XXXX 202
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (MD)

I called and spoke to many people. First one says they can send a text with a link to get account number. Next I spoke with XXXX XXXX who said she has no info for me. I asked to speak to manager who was XXXX XXXX. He told me that at the moment he could not give me the info. Next I spoke to his manager who I failed to get his name. He told me everything was fine and that all we had to do was resend the information to me through the internet. XXXX seconds later I was hung up on. These people were very unprofessional and could have easily fixed my problem. I have numerous banks and credit cards and never had a problem like this. Their attitude was very rude. I don't know if it's because it's new years but they should not be able to talk to people like this and treat them like that. 


Thank you XXXX XXXX
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GLOBAL CREDIT UNION (AP)

Creditor is reporting an account that is closed for over 7 years and added back old account due to institution name change. 

BANK ORGINAL NAME : ALASKAUSA REBANDED NAME : GLOBAL XXXXCU XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2023 *Personal info and account numbers removed for complaint* Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear CAPITAL ONE, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer.

Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request.

Yours sincerely, *Personal Info removed for complaint*
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WSFS FINANCIAL CORPORATION (DE)

My wife and I received a charge on our checking account for {$190.00} on XX/XX/2023. I contacted my bank ( WSFS XXXX ). I advised bank this charge was fraudulent, The bank told me I would have to wait to 90 days for a resolution and that I should call merchant for refund. I tried to advise bank fraudulent charge, so why do I have to call the merchant? They said because merchant told them was authorized charge, so no refund at this time. Of course the merchant would tell them the charge was authorized they want the money they fraudulently took from our account. The bank, however could not tell me if they had a signature from my wife, they said do not have to have a signature if purchase made online. I then asked if have recording of order being made, they again said does not matter they do not have to have one, So as a consumer how can we protect myself against this?. My bank refused to refund my account the fraudulent charge of {$190.00} yet this is clearly a fraudulent charge. Can you please help we live paycheck to paycheck and can't afford to loose that money.
Consumer complaint received 2023-12-29
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRANSWORLD SYSTEMS INC (SC)

In XXXX of XXXX, I saw a collection reporting from XXXX. I called XXXX in XX/XX/XXXX and they advised me that my debt was with a creditor called XXXX. I called the number they provided and settled the debt for {$610.00} and the payment came out of my account on XX/XX/XXXX. XXXX advised they would delete the debt from my credit report. In XXXX of XXXX the debt reappeared on my credit report and I started getting phone calls from another collection agency, XXXX. I advised them the same information that the debt had been paid but they said XXXX had sent my account to their collections department. I then called XXXX and they had no record of my debt, despite providing them proof of the bank statement showing my payment going to them. I then called XXXX, they didn't even have a record of me. It took 30 minutes for the agent on the phone to find some of my information and she said they had never received any payment. They advised to send an email to their billing/collection department so they could " investigate '' and they would respond in XXXX hours. I emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We have never received a response of the validation of the debt which is required to be provided within 30 days or the debt must be deleted. Today, XX/XX/XXXX, my fianc received a phone call from Transworld systems Inc, looking for me. She provided my number to them. I called them and requested a validation of debt and was hung up on. I have also sent them the email of showing proof of the payment made to XXXX in XX/XX/XXXX and requested validation of the debt. We never received a response. I have settled this debt and was told it would be removed or at the least show as paid. It has impacted my credit score and my ability to refinance my house, it is affecting my livelihood and neither creditor or XXXX has fulfilled a validation of the debt or investigated properly that this debt was settled and paid. The problem is, now the debt has been paid yet we have no proof of the debt being paid by either party. They have harassed me and my family and we need this matter settled as there really is no entity holding these parties accountable for collecting payments from consumers. I am happy to provide the proof of payment of forward the emails sent to the parties. XXXX advised us to send proof of the payment to an email and they would provide that to XXXX. On XX/XX/XXXX we provided XXXX proof of the payment to the previous debt collector and they have not responded and the phone reps have no answer. We have emailed XXXX 3 times with the same proof of payment and they will not respond to that either. When we call XXXX they will transfer us to XXXX XXXX. I have submitted the proof of my bank statement showing the debt being paid in XX/XX/XXXX to XXXX when they held the debt for XXXX.
Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

The TJX Companies , Inc. 
XXXX XXXX XXXX XXXX, MA XXXX Dear sir, Today, XX/XX/XXXXXXXX XXXX XXXX XXXX, I went to XXXX in XXXX, NJ to purchase several things. I tried to use a reward certificate ( # XXXX XXXX XXXX XXXX ), which I received with XX/XX/2023 bill, which I paid all already, along with another reward certificate received by an email from your company. However, I could not use this certificate ending XXXX at the casher. And this casher advised me to call your company to make it usable. However, I used the chat system of your company website synchrony.com. I tried to get an answer from this chat assistant, XXXX ; however, before I would get the satisfying answer, the chat was terminated. You can see the process of chat from the enclosed printout. I believe strongly I have not used my gift certificate ending XXXX, since I have this certificate with me. And I always give the certificates to the cashers ; therefore, this certificate with me must be usable. What I want to request you is to make this certificate usable. If not, would you give me why I can not use it, even though I have this certificate with me. Or maybe you might have printed twice ; then you need to explain why you printed out the certificates with same number and give the customers the disappointed feeling not to be able to have the feeling of satisfaction by getting some products free by the reward. 

Sincerely,
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Account was charged in error for XXXX purchases that I did not authorize. Merchandise was returned but can't receive a refund because the card used was closed due to me disputing the charges. Truist closed my investigation based on my " habits '' of shopping on XXXX. I noted to them if they checked my checking account my XXXX purchases would be max of {$20.00}, I was charged with 6 transactions totaling more than {$350.00}. My money can't be returned because the claim was denied, and XXXX can't refund a card that's closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist XXXX XXXX
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken ()

I am from XXXX and still rather new to the Crypto world and wish to invest more especially in XXXX, therefore started with a small amount to invest at Kraken back in XXXX XXXX XXXX XXXX XXXX  this year I figured that I already ran into a scam XXXX XXXX  ) and since then working with a team of crypro forensics and attorneys to solve this. Because I have transferred USDT from my Kraken account, I was concerned that the people from the scam platform my get access to my Kraken account, hence I asked the Kraken Customerservice yesterday, XX/XX/XXXX, to support me changing my password and upload a passport photo ID to replace my previous ID card, since the scam platform got that photo ID too. However, till then everything was normal with my actual Kraken account and I could always access my assets ( totally around USD XXXX - most of them still as EURO cash )XXXX 
After I informed the Kraken customer service, they 'temporarily locked " my account and told me they investigate this in a timely manner. After nothing happened in hours, I started to reach out to their customer service by email as I couldnt log on anymore, so I couldnt speak to a real customer representative by real time chat anymore ). Once in a while each time another name appeared in the E.Mail from Kraken, telling me that there will be a relevant team working on the issue. Nothing happened, same today, until a person called XXXX emailed me that my account has been disabled! I am in a state of shock as I dont know what happened to my family savings, as mentioned the USD XXXX / EUR XXXX. My wife is terrified and I promised her I do all to get our money back. I told Kraken customer service they shall please wire the assets back to my XXXX account, where all assets originated from. I also offered live call to proof my ID and verify I am the legitimate account owner. They didnt respond to that at all. I am in fear they just swallowed our family assets for no reason!
Consumer complaint received 2023-12-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (FL)

In XXXX my ins went up to {$4000.00} cause ins said need a new roof but no leaks it is just over 14 yrs old. So house payment went up to over XXXX. I was told I could do a forbearance for 6 months then it would be put at the end of my loan new loan date at the end then the end of XXXX was told I owe the 6 months can't put it at the end of loan. So they said do modification to lower payments. So waiting to heard back about it sent all the paperwork in showing I am over working and his medical retirement check and our income. My husband 's income went down cause he got a XXXX XXXXXXXX we are trying to get XXXX XXXXXXXX cause he can't work. We will be getting it in XXXX. Trying to save our house til then and we can even get a new roof then.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

BARCLAYS BANK DELAWARE ( AAdvantage Aviator Mastercard ) 1 LATE PAYMENT XX/XX/2020 BRCLYSBANKDE XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX In Accordance with the Fair Credit Reporting Act This creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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 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. Which they have never done which is a violation of my rights, legaly it is not supposed to be there.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/year> my husband XXXX and I received calls from caller identified as Bank of America with the verified BofA phone number. Caller said he was with BofA Fraud Department, our XXXX account had been hacked. Caller used name XXXX XXXX, a corporate officer listed on BofA website. Caller asked me to type in codes to verify account. The first code was XXXX, the second code was XXXX. The codes where actually amounts withdrawn from my BofA account of {$770.00} and {$1400.00}. I was swindled and induced to follow the caller 's directions. When I hung up and called BofA Claim/Fraud Department I was told there was nothing BofA could do. The people that I called multiple times in the Claim/Fraud department told me that BofA was aware that this scam was going on, that the person was using BofA identities and stated Claim/Fraud department could not help me get my money returned. 
I filed a complaint with Bof A. I dispued the transactions. I have received no response or help from BofA.