davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AL)

On XX/XX/ an unauthorized transaction of {$43.00} charged to my PNC checking account. I filed a dispute with PNC 's dispute department on XX/XX/ once discovered and was told it would tae about 90 days to research. A written communication from PNC 's dispute department stating the dispute had been resolved and that my funds will not be returned to my account because they found no error. I was mortified and refiled the dispute on XX/XX/XXXX XXXX The dispute was denied XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/ XXXX XXXX To date they have not received the unauthorized transaction. In a phone conversation with XXXX, PNC dispute department, on XX/XX/ I learned PNC only returns unauthorized funds when they recovery their funds. This is unconscionable. This bank, as all banks, is covered with protection for loss by FDIC. I am not. Dispute denials furnished upon request. 

I must have my {$43.00} returned to my account and feel PNC has no loyalty to me as a depositor and I am not happy. I DID NOT MAKE THIS TRANSACTION NOR DID I AUTHORIZE IT. ONLY YOU CAN ASSIST BASED ON RECOMMENDATION FROM OFFICE OF THE COMPTROLLER OF THE CURRENCY.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NY)

In accordance with Fair Credit Reporting Act, Upstart has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy.

My rights were also violated under 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1668b states a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/XXXX, I applied for an American Airlines Aviator Red Credit Card online through Barclays. after approx 1-2 hours I received a phone call from Barclays to confirm all information on my application and credit report where the agent I spoke to confirmed I had been approved for the card with a credit limit of {$2500.00}, On XX/XX/XXXX I contacted Barclays in the morning asking for an update on my application status because the online status check page had not updated at all and I have family members who have banked with Barclays in the past who informed me that the application status page never has taken more than 1-2 business days to update and determines when the card actually ships out from Barclays. 

This agent was very nice and informed me that the card application has been stuck with card services during what should be an automated process to mail out the card and welcome packet and to setup the online account. He said that I should receive an update from Barclays by tomorrow night. 

Late in the evening on XX/XX/XXXX I called again to Barclays for an application status update and was transferred directly to a card services representative who is somehow unable to see any notes on my account regarding this and is insistent I have been approved and there is nothing to worry about. She is extremely rude and refuses to listen or review any call recordings that barclays always claim they record at the beginning of every phone call. 

The agent has just put me on hold and at this point, I believe this is a deliberate attempt to discriminate during a credit application based on the personal biases from one of the people ive spoken to who have sent my application into some hold state. The conflicting info from every representative I have spoken to cant make anything else a possibility unless these reps receive no training on their system which I dont believe.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been asking BofA to increase the credit limit on my credit card for many months but they always blatantly deny. 
In their denial letter, they give reasons which are not applicable to my scenario. When asked, they dont give conclusive explanation. They have been harassing and jeopardising my purchasing power since a long time, all despite the card being my oldest credit card. 
The credit limit is so less I cant even buy a new XXXX with it. And although I have a good credit score and have been using the card responsibly, they wont increase the credit limit. 

The worst part is that despite acknowledging the fact that I have higher credit limits on other credit cards, BofA would still not give me a higher credit limit.
Consumer complaint received 2017-09-20
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alpha Recovery Corp (FL)

I am not disputing the amount of money i owe. Three ( 3 ) times i have set up a payment plan on their website. Each time they never took the funds. I am writing this complaint to get them to stop calling my grandmother who is hard of hearing and gets very agitated when being spoke to rudely on the phone. I have already asked them once to stop calling my grandmother, but they continue to do so. I just ask that they deal with me and stop harassing my XXXX old grandmother.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I went to Costco and applied for the Citi Visa card I was approved was given a temporary card to shop that day. On XX/XX/XXXX I received an email to log in to my account but I was not able to do that since I had not received the card. I called and was told that my account was on a fraud alert was transferred to Fraud Department was told they could not give me any information. So I called again same thing was transferred to Fraud department was told I would receive a letter to verify my identity I asked the rep to what address because I gave Costco my new address, the rep said they cant give me that information. Then I called on XX/XX/XXXX was told again they cant disclose any information I told them I have not received the letter nor my credit card. I told them I received my bill via email on XXXX but I cant pay because Im  not able to register online because I never received the credit card and they would not allow me to pay over the phone because they cant disclose any information. My bill is now due on XX/XX/XXXX and this is not resolved. I have another account with Citi Bank and I called and they verified information by sending me a link via text not sure why they cant do that with Costco one ( I was notifying them of my change of address ) Citi Bank is treating me like a criminal I gave verbal information and verified with Costco all my information was correct including new address. I am worried this will not be resolved on time so that will go against my credit. I want to receive my information so I can log in and pay my bill.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MI)

This is a follow-up to the previously filed case number XXXX. 

Neither CFPB 's nor the credit union 's responses were responsive to the complaint. 

NFCU lied on XX/XX/XXXX regarding the circumstances of their " notice '' that my debit card had been revoked ; they told me that " notice '' was given by means of a letter sent on XX/XX/XXXX ; the " notice '' was not received until the following week and was dated XX/XX/XXXX ( copy attached ), which means that no advance notice was given for the suspension of my debit card. 

NFCU did nothing for nearly three months, and when they did finally reply, the information provided did nothing by way of a meaningful or satisfying explanation for their actions. See letter dated XX/XX/2023 ( copy attached ). The alleged " violation of the Debit Card Disclosure '' was not specifically set forth, nor was a copy of the " Debit Card Disclosure '' even provided. I contacted NFCU by means of their internal messaging service in my online account web page, but they just ignored me and did not reply.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (SC)

None of the choices were applicable. But I am trying to get a mortgage and the underwriters are asking for a letter from Synchrony bank stating that the balance shown on my report is actually not owed but was forgiven because we did a settlement. I have called synchrony multiple times and they keep telling me they can not give me a letter. I dont know what to do.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

Phone conversation explaining this is a fraudulent account and cancelling it. Again, multiple phone conversations with TDRCS, XXXX XXXX, XXXX XXXX, XX/XX/, fraud acct opened and requesting fraud affidavit to be sent via e-mail and /or US postal service it was never received. XXXX XXXX Further conversations again after receiving letter attempting debt collection. Another fraud account opened. 
Fraud alert on my bank, XXXX, XXXX and security freeze with XXXX Have never received a bill, or credit card statement with purchase information and charges.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX, I opened a business checking account with Bank of America, ( account number XXXX XXXX XXXX ), for XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX registred in Wyoming. Last saturday I couldnt get in my online business banking, and the Bank told me they will close the account, with no reason or any kind of explanation why they will close the account, the money is freeze in the account and the bank told me they will send the funds to the company in 10 working days and they not give any explanation why they took such decision creating me and my company a problems and no support
Consumer complaint received 2023-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding LLC is not owed. If they purchased it. They cant sell my information without written consent under 15 USC 1681. Tey also do under the name Resurgent I have written them several letters to verify debt. Please remove both entries on my credit report on all e Bureaus.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I attempted to apply for a bank account numerous times, and i was told I was unable to get a account because I was in XXXX and XXXX XXXX by Bank of America. I reached out to them, and they told me how to obtain my consumer disclosure reports. While reviewing the reports, I realized i was a victim of identity theft. I made a claim to get the information removed from the reports. However, Bank of America did remove account ending in XXXX and not the other account ending in XXXX, stating that I did not file a fraudulent claim for that account. They told me to file one for that account. I also was advised to send them this report in connection to the identity thief that Ive been a victim off. Please assist with the removal of this erroneous and untrue information that I am a victim of. Thank
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/23 I charged {$2100.00} to XXXX for a hospital bill. I advised I was using my care credit card. When my statement arrived on XX/XX/23 there was no promotional period with deferred interest. I called Care Credit and was told the merchant must have entered the transaction incorrectly. 

On XX/XX/23 I charged {$470.00} at Lenscrafters for eyeglasses. I handed them my care credit card. When my statement arrived on XX/XX/23 there was no promotional period with deferred interest. I called Care Credit and was told the merchant must have entered the transaction incorrectly. 

I believe this is a pattern of deception in an effort to collect 26.99 % interest from me rather than permitting the typical XXXX months interest deferred promotion. 

I have cancelled my card due to their deceptive practices and want to file a formal complaint. I will take a personal loan so as not to pay the predatory interest rate that was forced upon me. I have been a loyal customer of Care Credit for more than XXXX years and did not expect this treatment.
Consumer complaint received 2023-07-19
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: ENCORE CAPITAL GROUP INC. (CA)

Midland credit management and XXXX XXXX XXXX did not validate the debt and can not report on my credit over 30 days ago. I requested both debt collectors to validate that they have not responded. 
I disputed it with XXXX and they ignored the fact they are in violation of the fair debit collection practice act
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (FL)

Chime closed my account on XX/XX/XXXX due to violating terms. I had a private person send me XXXX XXXX I contacted them and was told I would receive the balance within a month, 2 weeks to allow for any pending transactions and 2 weeks for mailing. I was told on XX/XX/XXXX I believe ( see attachments ) that I would receive my balance within a month. I contacted chime on XX/XX/XXXX as I still hadn't received my check in the mail. They contacted me today, XX/XX/XXXX and said my account was not eligible for a refund.
Consumer complaint received 2023-06-15
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. (IN)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : 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 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

I am facing homelessness due to Chime closing my account. I have sent all documents they asked for and have not received any insight on my funds. Im getting put out Thursday morning which is tomorrow!! I received writ of procession today and have 24 hours to move my things. I dont have money to do anything!! Me and my kids are homeless in this Texas heat!! Mind you I grew up in XXXX XXXX so I have no family to help!! I have XXXX and XXXX in savings. They also held on to my work deposit my job had to cancel and send me a check!! This had turned my life upside down. Chime does not care about people!!
Consumer complaint received 2023-07-26
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: Maximus Federal Services, Inc. (AL)

U.S. Department of Education has been furnishing personal transactions to consumer agencies since 2011. Money purchase loan one is {$3900.00} and Money purchase loan two is {$3400.00}. Account has been closed and sold to a collection agency who reopened and inserted late payments and started account over again. This is the first action taken.

This is in violation of both the Family Educational Act of 1974 and the Privacy Act of 1974.

45 CFR 1800.9 Disclosure of record to a person other than the individual to whom the record pertains.

The Foundation WILL NOT disclose a record to any individual other than to the individual to whom the record pertains without receiving the PRIOR WRITTEN CONSENT of the individual to whom the record pertains.

These entities knowingly violate their agreements with malice.

This is my notice to opt out as I was never given the opportunity to.
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (CO)

XX/XX/23 - we received notice that our request to have PMI removed from our loan was not approved. 

The mortgage company says they use original loan amount as opposed to current to calculate. 

Purchase price {$790000.00} Down payment {$110000.00} Current loan {$670000.00} Appraised value {$850000.00} Loan to value should be 79 % but they are saying XXXX is only 15 % because they are dividing the original purchase price ( not including down payment ) and dividing that by the current loan amount.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have issues every day with Bank of America the debit cards on the company account are placed on fraud holds daily more than two to three times a day ; the bank constantly asks me to come in and verify my identity has now begun to place holds on all deposit for 7-10 days this has become an overwhelming issue which has now began to affect me emotionally, mentally and physically. I go to the banking center and they have no explanation and or resolution the banking staff themselves do not know why this is happening. On Thursday, XX/XX/2023 all my cards were blocked I went in to the bank waited about an hour to be helped and then another hour while staff contacted Bank of America XXXX number to be told to identify me and while in XXXX bank all cards were blocked the lady told the banker all was cleared and while I am still at bank again all cards blocked I need help and a resolution. Bank of America is a disgrace it impedes small business owners and provides no financial assistance an or communication they hold your money XXXX. Additionally, you now have to chat with XXXX to see if the bank deems your call important to speak to a specialist beyond ridiculous.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (FL)

For my Navy Federal credit card, approximately six months ago, I experienced fraudulent activity on my credit card. This occurred due to someone hacked into my computer and signed into my Navy Federal account. They then took a cash advance from my credit card and transferred the cash into their external XXXX XXXX XXXXXXXX account. 

This transaction resulted in my credit card having cash advance monthly interest charges. This has been brought to Navy Federal 's attention three to four times each month when the interest charges posted to my credit card. I have submitted three to four monthly credit card disputes to include email correspondence to Navy Federal. All efforts to have the interest charges removed and to resolve the issue have all been unsuccessful as I have not received notification, updates or status of all of the disputed transactions. And the last interest charge posted to my credit card on or about XXXX XX/XX/2023.
Consumer complaint received 2024-03-28
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. (CT)

I sent in copies of my irs letter and police report showing proof that this account is not mines and was open fraudulently and they refuse to remove this debt of ny credit report. They are reporting a name that I never had under my social