davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FISERV INC. (WV)

A Couple of my Checks Bounced and I didn't have the funds to cover the overdraft fees until the XXXX of XXXX. My Checking Account was Overdrawn since around the XXXX. of XX/XX/2020 until the XXXX. of XX/XX/2020. I Contacted the Branch Manger and informed them of my Finical problem, I was able to make a deposit of {$260.00} around the middle of the Month. 

I made a XXXX on XX/XX/2020 that covered all outstanding Checks and the Overdraft Bank Fees and still keep me in the positive. I tried to go shopping at 2 different stores but each time my check was declined by the checkout machines. 

I attempted to contact my Bank, but they said they have nothing to do with this and can not help me with this.
Consumer complaint received 2023-09-06
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: United Resource Systems, Inc (AL)

I contacted the company for debt validation which I never received. Per a complaint I filed they said it had taken over 30 days. I have yet to received debt validation and the company is still reporting to all credit bureaus after saying they would remove the information from my reports
Consumer complaint received 2022-10-25
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (TN)

I disputed a charge on XX/XX/XXXX and as of XX/XX/XXXX I have not heard from Comenity Bank XXXX. Also, I did not get a provisional credit while this amount is under dispute, so therefore I am being charged interest on that amount. 
I disputed the amount of {$1200.00}. I spoke with XXXX today XX/XX/XXXX and she said the dept has not got to my account yet to apply the provisional credit and also the dispute was only put in on XX/XX/XXXX This bank has turned out to be a nightmare, please help
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

1. On XX/XX/XXXX I applied for credit with Brand Source furniture co. and was approved, charged a table and chairs, and paid it off in a year. 
2, On XX/XX/XXXX someone charged some bedroom furniture to my account ( the amount is {$1100.00} ) I have no idea how they got the account no. ( first account ). I called customer service and they said it was fraud, I said yes close this account, but they didn't they sent me a another card ( second account ). The Brand Source security operations investigated and they said I am responsible and should pay the above amount. 
I called and a person named XXXX told me the address the furniture was delivered to and it's not my address. So I called Brand Source Security and told them this, so they asked me to send them a copy of my driver 's license and I did. But they never called or write to let me know they received it. 
3.They hired a collection agency XXXX XXXX  to try to make me pay for something I did not purchase. And oh, the letter XXXX  sent me has a different account no,, that's 3 account nos. and they never sent me this new card, I don't have it. So, this is very frustrating
Consumer complaint received 2023-09-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

In XXXX I purchased XXXX {$500.00} XXXX XXXX cards from XXXX - all 6 had been compromised. As a result, all six cards had been locked and unable to be used. 

I called XXXX who gave me a case number - XXXX - and asked to email a picture of the cards, my receipt, and ID. I did all of this on XX/XX/23 ; they never responded to the email. I followed up monthly and never got a response. I tried calling again and they said I had to communicate by email. 

I just want either my money back or the cards reissued. I provided all documentation and have been waiting for months I am attaching all the documentation that I emailed them numerous times per their request
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Since beginning of XX/XX/2023 till today, the bank has been charging me overdrafts fees of over {$2500.00} despite the fact that I have overdraft protection set up on my account. I reached out to the local branch and the mangers to help resolve these issues and unfortunately, they didnt return my calls and when I visited the bank in person, they couldnt give me any explanation or take any responsibility. 

As result of the lack of communication and support to my account, and the excessive fees, my account is overdrawn and I lost over {$2500.00} of unjustified fees. I had the funds available in my credit cards and my line of credit, but the staff failed to connect either as overdraft protection as I requested several times Secondly, my incoming deposits were delayed by the bank and were not cleared till I had so many overdraft fees which caused less funds available in my account. I was also blocked on the app from making any checks deposit and had no access to make any deposits. 

I made several phone calls and visits to my local branch, requested help but sadly they failed to call back, or provide solutions on time, or resolve these issues or even show any kind of caring. Additionally, this was not the first time this had happened, earlier this year, my account was mistakenly by the bank overdrawn by over {$19000.00}, which also created issues on my account and it took the local staff weeks to take responsibility and resolve it. 

I finally contacted the office of the president and sent a formal complaint in writing, my complained was ignored and i never receive any response, I even called couple of times, no one return my calls. Finally I called on XXXX XXXX, XXXX  and the person answered the phone give no answer or solutions to my complain.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (GA)

I am being charged a debt that is not mine. I was playing for XXXX XXXX and we were using a gym membership account. My Social Security was never provided. My address was never provided. I do not know how they got my information to assign this bill to me. XXXX XXXX was a professional team in Arizona, and it is currently closed down due to legal issues. They were giving players illegal green cards for them to participate in the professional league. The account that was opened with XXXX XXXX  was arranged by the club. The club was responsible for its payments.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

XX/XX/XXXX  I applied for a Discover IT prepaid card to establish credit. ( Prepaid ) this shouldn't have shown as a hard inquiry on my credit report! This shows multiple times as a hard inquiry on my report. I was mislead and misinformed that applying for a secured pre paid credit account should show as if I applied for a Discover card. I need these hard inquiries off my credit report
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (LA)

Missed Payments- Due to financial hardship and Covid 19, I was unable to work during these periods. 

XX/XX/2022 XX/XX/2022 XX/XX/2022 Late Payments- Due to financial hardship and Covid 19. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 I have disputed these remarks but to no avail.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

Yes I did a pay to anyone transaction to pay my wife XXXX and someone else received the XXXX dollars because they have my wife 's number hooked to there account so when I did a dispute they keep denying it even after I sent them the proof that she did not receive the money someone else did I have sent them phone contracts that show what my wife 's number is and had her write something out to say she did not received the and the phone number is hers and not the person who received the money. Now when I try to call they keep hanging up on me and when I call back they say we must of got disconnected but I know for a fact u don't get disconnected XXXX times in a row there just hanging up so it is really starting to make me angry. No one is helping me with the situation and I'm about to go to XXXX because she thinks I didn't really try to send her the money to take care of my son
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/year> at XXXX XXXX I sold my vehicle and attempted to deposit {$1400.00} into my checkings account at the XXXX ATM in XXXX XXXX Ohio. An error occured with the ATM and a message pops up saying " Your cash was not taken in time. To protect your accounts. I've pulled your cash back in. Contact your financial institution. " ( Picture Attached ) The same day I contacted customer support to get a dispute opened, and was told they will be doing research. After weeks of waiting I was given a temporary credit which I had no clue it was temporary credit until the money was removed from my account. The next day after removal of the funds I recieved a letter explaining they couldnt find anything during the investigation and would be removing my funds XX/XX/year> although it was already XX/XX/year>. Keep in mind this was at a official Huntington Branch ATM with lots of cameras that can clearly picture me on the day and time i've provided, which would be evidence that I put money in the ATM and no transaction occured. Feeling hopeless I went to the same XXXX XXXX Huntington branch on XX/XX/year> to discuss the closing of the dispute and they ended up reopening the dispute. After speaking to XXXX of the bank tellers she said over her 4 years of working she has heard of multiple occurances of this exact situation. It is now XX/XX/year> and I have contacted the XXXX XXXX XXXX again to find 6 days later there is still no update. This has been an extreme inconvience causing me to borrow money, use credit cards for bills, paying student loans and stops me from being able to buy supplies for a XXXX printing side hustle.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (UT)

After checking my credit, I noticed that there were 2 accounts in collections from ALDOUS- that do not belong to me. Both were opened on XX/XX/2023. I reached out the the phone number listed on the debt file and tried to gain insight on this account. Prior to reaching out to them, I reached out to XXXX XXXX ( original creditor ) asking what information was used to create these accounts. They verified that they DO NOT use social security numbers to open accounts. Only phone number, payment ( cash or card ) and email address. When I contacted ALDOUS, I first spoke with XXXX and provided this information to him. However, he hung on me. I called back asked the a guy to transfer me back to XXXX, he too, hung up on me. I called back and I spoke with XXXX, asking her to transfer me to a XXXX. Finally, I spoke with a rude, dismissive XXXX named XXXX. I explained to her the situation and she immediately let me know that this was an attempt to collect a debt, and mentioned that I needed to contact a lawyer and have him/her reach out to them in writing. She then hung up without ever giving me the time to further explain what was going on. According to the FCRA guidelines, ALDOUS is in violation on many accounts for reporting this debt on my credit, restricting communication and continuing to report this debt after I've informed them that this is fraudulent.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

Victoria secret Comenity bank. 
In accordance to the fair credit report Act this creditor has violated my rights under 15 USC1681 section 6 o 2 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 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose
Consumer complaint received 2023-11-09
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: ACIMA CREDIT, LLC (TX)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (DE)

Using the information provided by XXXX XXXX XXXX I was able to determine the following : -I purchased an item ( a porch chair ) on XXXX from a seller who, unbeknownst to me, ordered the item from Wayfair in my name. 

I paid the XXXX seller via the XXXX payment process -The item was shipped to me. Unbeknownst to me, the item was shipped to me by Wayfair. 

-The XXXX seller tried to convince Wayfair that the item was damaged. The XXXX seller did not pay Wayfair for the item. 

-I was a good-faith purchaser of the item. 

-I communicated my findings to XXXX XXXX XXXX in writing multiple times. 

-I offered to assist XXXX XXXX XXXX in any way I can so that they can pursue the XXXX seller. 

-XXXX XXXX XXXX has ignored all information I provided to them. They continue to demand payment from me, the good-faith purchaser.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current (IL)

I opened up a current bank account XXXX XXXX  and I received my tax return of XXXX I pulled a few dollars off to spend current put my account under review and requested documents which consisted of selfie of me holding drivers license utility bill my tax return and the place my tax return came from I submitted with no problem and they close my account with my money in the account
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In Georgia, I have appeared in XXXX XXXX XXXX XXXX XXXX regarding this matter. The case number is XXXX. Initially, there was a decree stating that I owed {$920.00}. However, that judgment was appealed. During the appeal process, there was a misunderstanding, leading to the scheduling of another case. I have since provided all the necessary information. At that time, Portfolio 's lawyer agreed to vacate the judgment. The notice was submitted to the court, and we appeared in court to discuss the reasons why the verdict needed to be vacated. Ultimately, the judgment was granted. Despite this, Profolio Recovery continues to contact me and apply additional updates to my credit regarding this matter, causing damage to credit. Despite my attempts to reach out, to their lawyer, I have not received any communication from you regarding this matter. Portfolio Recovery Associates , LLC persists in contacting me via calls and written correspondence. They were previously instructed to communicate with their lawyer directly, which they are now refusing to do. I find it perplexing that the company does not have a record of the XXXX court proceedings related to this matter. This persistent contact now qualifies as harassment.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This bank is adgrecious, I disputed charges twice for XXXX they approved the 2 smaller amounts which they approved but in the first complaint I never mentioned those 2 amounts so why were they brought up oh to pretend like you approved part of my claim another lie and illusion. The second time I asked for a review I was out of town so I was not able to provide any paperwork. When I look on my online account it says I sent in paperwork which I did not I have screenshots. I never sent in any information they lied playing games again with my money. The last person they switched off my case she emailed me, I responded back she never called me or responded back. A guy calls on XX/XX/XXXX  and says oh the person who had your file was switched and then he starts talking about another claim that had nothing to do with this one. To make it seem as if they did approve some of it. He named 2 different claims that I never mentioned in my first complaint. Why not name all the account activity then. Your bank now owes me double my claim so think wisely. I'll give you 5 days to adjust my account, or I'll be seeking 10 times the amount. So I feel as a consumer that's unacceptable to lie and say I sent something and didn't. The record shows that it says information received. What information liers. So you made a decision off what for the review. Now that my consumer rights have been violated I'm going for double what your bank owes me. 
Usc15 section 1681section 602 ( a ) A consumer has a right to privacy.

USC Section 18 code 1001 USC Section 18 code 1344
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I checked my credit report and notice some errors and things that were not authorized by me. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. This is not my account. I have no knowledge of this account 15 USC 1681b. Please remove any information that the creditor cant verify. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-27
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (HI)

I made a purchase on XX/XX/23 for {$2300.00}. Original purchase was XX/XX/23. The purchase I did at the store was supposed to be XXXX months no interest however Synchrony placed it in error XXXX months on my XXXX XXXX. I am needing this corrected.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to dispute certain accounts that appear in my consumer report, which is maintained by your agency. According to the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b and 15 USC 1681c-2, I believe that these accounts should not be furnished on my consumer report for the following reasons : Under 15 USC 1681b , Section ( a ) - Permissible Purpose of Consumer Reports : Subsection ( a ) states that a consumer reporting agency may furnish a consumer report under specific circumstances.

Clause ( 2 ) of this subsection allows for the disclosure of consumer information in accordance with the written instruction of the consumer to whom it relates.

I have never provided written consent to any consumer reporting agency to report the information in question on my consumer report. This constitutes a violation of my rights as a consumer.

15 USC 1681c-2 : This section of the FCRA mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft.

I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter and have obtained a reference number for my case ( XXXX ). This indicates that the information in dispute may be a result of identity theft.

I am formally requesting the immediate deletion of the following accounts from my consumer report : Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES ; Name : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/2023 UNAUTHORIZED ADDRESS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX