davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

Unauthorized online wire transfer on my Citibank account, for transaction ( s ) posted on XX/XX/2022 for a total amount of {$68000.00} Claim number : XXXX My name is XXXX XXXX, I am a XXXX XXXX XXXX XXXXXXXX ) licensed in New York State, and I am currently working for XXXX XXXX XXXX XXXX XXXX, New York . I am also a Citibank customer for 22 years. On XX/XX/2022, an unexpected and unimaginable event occurred in my Citibank account ( # XXXX ) putting my life in limbo. A person or a group of people that I do not know accessed my bank account under unclear conditions, and made an unauthorized online wire transfer in the amount of {$68000.00}. In the fraudulent process my savings as well as my custom credit line are gone. 

I attest the online wire transfer was not authorized by me ; I received no benefit from the issuance of this transfer. The person ( s ), who initiated this online wire transfer is not authorized to use this account ( # XXXX ). I further attest that there is no co-signer in my Citibank account. I am the only one and sole owner of the account ( # XXXX ), I declare, as I did in the affidavit I signed and sent on XX/XX/2022 to Citibank Fraud Prevention, I was not negligent in contributing to the unauthorized online wire transfer.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc. (IL)

I am putting a complaint in on sofi banking. 
I have been banking with them since 2021. 
They have frozen my account without a reason to why? I have tried to contact them, but everytime it says leave a message and fraud department will reach out. The fraud department do not reach out in a timely manner.. I have deposit that are being on hold due to my account being frozen.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I called Synchrony Bank on XX/XX/2024 to make a payment for my TJX Rewards Mastercard by calling the number on the back of the card XXXX ( XXXX ) XXXX and spoke to a representative that took my payment of {$200.00}. Before I was able to make payments using the automated system by inputting my card number, zip code, and last four of my social. Recently however I am no longer to pay unless I speak to a representative. After making my payment I then called their XXXX ( XXXX ) XXXX from their website and when I spoke I representative after giving her my full name, home address, date of birth, and last four of my ssn the representative told me that the information I provided does not match. I told this representative that the information I provided is the same info I have always used and I am the only authorized user for this card I asked who changed my account info without my permission and how can it could be possible that I made a payment with another representative the same day for {$200.00} and was able to find my TJX Mastercard account. I am very worried about my account and personal information being used incorrectly and have not been able to get any help from Synchrony Bank regarding this issue.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

On XX/XX/2024, I advised CashApp of fraudulent charges on my sponsors ( my minor son ) card from XXXX. The charges depleted my sponsors cash balance and no representative could provide me any information about the transaction besides the name of the merchant ( XXXX ). I submitted a dispute for the unauthorized charges. I subsequently received an email to verify my identity. When I clicked the link, it gave an message We couldn't verify your identity after potentially fraudulent activity occurred. ( Please see attached ). I then received a notice that my claims for the fraudulent transactions were denied because I did not verify my identity and I violated CashApps terms of service but my identity has already been verified through cash app and the link that was provided did not allow for any information to be entered. CashApp has allowed my funds that are supposed to be protected by the FDIC to be stolen, did not investigate the issue that allowed this to occur nor has refunded the money that was stolen from the account. When I called to ask for the method of investigation for the fraudulent charges, no one has provided any information. I was told that my account violated their terms of service. When asked what term was violated, not XXXX representative could advise me. I am who was violated as the consumer that was stolen from when my funds were supposed to have been protected by their system.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

XXXX XXXX XXXX XXXX is illegally trying to collect a payment that is fraud. I turned in my equipment on time and at that time paid my final bill. I asked them at that time if I am paid off and they said yes. This was XXXX. 

Now in XXXX of this year, I have a surprise collection account on my credit from an agency called Convergent Outsourcing for {$270.00} with no former information.

I paid this in full. Many times cable companies try to commit fraud and bill you for nothing.

This is what is happening here. They should not be able to get away with this and have already destroyed my credit score. I paid them in full at the time I gave in my equipment. 

The collection was put on my account on XX/XX/XXXX. The account number is # XXXX The law says cable companies are not supposed to put collection accounts on your credit report particularly if it is fraudulent because they do this. 

Convergent Outsourcing Collection Agency XXXXXXXX XXXX XXXXXXXX XXXX, Washington State XXXX. No phone number provided, no real address provided. 

Why would I not pay my bill in full at the time of returning my equipment. This is a pattern with cable companies. 

Please ask them to remove this from my credit report. It is fraudulent. 

Thank you
Consumer complaint received 2019-11-20
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. (TX)

I pulled my credit reports XX/XX/2019 I couldn't believe that it was Multiple inquiries reporting with the same date of request being that every time a mortgage lender or auto dealer would ask to pull my credit report and i would deny them because i thought it would hurt my score they told me " No you have a 15-45 period to shop for houses and cars only '' I obviously l was lied to by someone but i didnt know who until I did my own research AND I FOUND OUT THE MORTGAGE LENDER WAS RIGHT AND THE CREDIT BUREAUS WERE NOT DOING THERE JOB I have XXXX inquiries on my credit reports over a two year period - SOME EVEN REPORT PAST 2 YEARS!!! 

I Started My Challenge to the Credit Bureaus On XX/XX/XXXX on what I thought would be a reasonable negotiation to delete all inquiries that were not dedupe correctly on my report to be deleted. SILL TO THIS DAY I HAVE NOT RECEIVED AN ADEQUATE RESPONSE FROM EITHER BUREAU I AM COMING TO YOU FOR RELIEF.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Radius Global Solutions LLC (VA)

On or about XX/XX/2023, offender fraudulently acquired my private property and used that private property to acquire additional private property and credit information by pulling my credit without my knowledge and/or expressed written permission.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Upgrade, Inc. (MN)

I have {$81.00} in my cash back balance. It can not be accessed. It must be applied as a credit to the statement balance if a balance exists. Because interest accrues daily on this account, I must let the balance accrue interest until the statement date for the cash back reward to be applied. This is unlike any other cash back card I have used. The reward does not in any way resemble cash which can be access and used at my discretion. This is not correct advertising. I would like my cash back balance to be transferred in full to my checking account. 

This is the second issue I have had with this card. The first was resolved in part and involved the lack of information surrounding the daily accrual of interest. 

It is my opinion that the practices of Upgrade and the features and advertising around this card are very misleading and predatory.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (FL)

In XXXX  my identity was stolen. And I fell victim to fraudulent use on a few of my credit cards. XXXX being my triple XXXX credit card that was issued through US Bank XXXX XXXX. 
I called multiple times trying to resolve this issue but they refuse to be of any help at all! They have ZERO care about me falling victim of identity theft and refused to remove the fraudulent charges. They should have some kind of identity theft and fraud protection! This is horrible. On my credit report it shows that I owe {$1000.00} and its charged off as bad debt. This is ridiculous!
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IN)

My credit report showed slow payment information for a credit card I never had. I called many times and disputed through XXXX but Chase refused to provide me with the original application with my signature and would not tell me what was purchased with the card. I had my mother on the phone with me and they wouldn't help even when she called them. She tried to explain this was fraud but they could not or would not provide the information she requested which was a copy of the original application with my signature or the information on what the credit card was used for.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

In Re : Sam 's Club XXXX  Card issued by Synchrony Bank inclusive of their " Card Security XXXX XXXX XXXX XXXX ) '' product first purchased for the account in XX/XX/XXXX. 
Card Number : XXXX XXXX XXXX XXXX In the year XXXX I suffered my first medical problem with extensive hospitalization from a near death experience. I sought to utilize the above benefit but XXXX never turned it on. The illness came under control in XXXX but later re-manifested itself with another near death experience in XXXX. As a result, I was unable to pay their bill and again sought to activate the Card Security product. They continued to charge me for this product until they canceled the account which was reflected on their XX/XX/XXXX statement. Communications from them then stopped and I didn't hear anything further until their business partner, XXXX XXXX XXXX, XXXX. filed suit against me. XXXX apparently loaded the balance up with thousands of dollars in extra unexplained fees and the filed suit against me in XXXX XXXX XXXX XXXX  Florida. This outfit is not entitled to a XXXXenny from me. Synchrony charged me large premiums for this coverage. I have medical records and billing to substantiate this claim which now approach {$400000.00}. I'm not sure how I could possibly copy them at this time and attach to this submission. They are voluminous. 

I request that these two predators, Synchrony Bank and XXXX XXXX XXXX be brought to justice. Thank you for your efforts in connection with this matter.
Consumer complaint received 2022-08-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/XXXX I was approved for HAF with XXXX  months of forward payments. From XX/XX/XXXX through today and going forward I have been reaching out to XXXX and PennyMac to see if funds have been paid. On XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I emailed XXXX and to date, none of those emails have been responded to. I've sent PennyMac my award letter on XXXX and on XX/XX/XXXX, I received a response saying that to date they have not received any funds from HAF or XXXX and that if payment is not received by the XXXX day of XXXX, a late fee will be added to my account. In order to avoid late fees and negative reports on my credit, I made the payment on XX/XX/XXXX. On the morning of XX/XX/XXXX, I called HAF customer service who advised me that a paper check was sent out on XXXX to all services I was approved for On XX/XX/XXXX, I called PennyMac and spoke to a woman in the HAFXXXX  loss mitigation department who told me that as of XX/XX/XXXX they have received no correspondence or payment from HAF or XXXX XXXX As of today, XX/XX/XXXX, all other approved utilities has been paid by HAF  and my mortgage is the only thing left unpaid.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-12-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a Bank of America XXXX card while purchasing airfare with XXXX. I was told that if my credit score was high enough I would be approved immediately and the benefits would apply immediately. The fact that there was a high annual fee was not noted unless you clicked on another link that I was told was there but I did not see. My credit score is around XXXX but I was not approved for the card so I did not receive the benefits. Then weeks later I was approved and given the {$75.00} fee. I complained but they refused to subtract the fee and cancel the card.
Consumer complaint received 2018-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX I sent XXXX {$45.00} through PayPal invoiced. I was supposed to receive a XXXX account that had rare items. I texted him through XXXX and once I sent the money he blocked me. PayPal is making me wait till XX/XX/XXXX for his response and I need my money as soon as possible. I never received the account I was supposed to purchase.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (MI)

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The credit Bureaus never did a proper ''investigation '' according to the FCRA XXXX 


Th term ''investigation consumer report '' means a consumer report or potion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions I did not give nobody written instructions
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (TX)

I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. Sates I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX {$900.00}
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (WA)

This is my third situation dealing with incorrect minimum account balance fee logic at Citibank with their former Citibank Gold ( now Citibank Priority ) product. The prior two occurrences have been solved in person at branches whereupon staffers expressed confusion as to how their systems calculated a simple fee incorrectly. I no longer reside in an area with Citibank branches and support over the phone was unable to process the refunds with their interface. 

Here is a sample of what is occurring with my account. The minimum average daily balance is {$50000.00} : Starting balance, XX/XX/XXXX : {$52000.00} Minimum balance in XXXX : {$52000.00} Ending balance, XX/XX/XXXX : {$52000.00} Minimum balance fee, XX/XX/XXXX : {$30.00} Citibank is obviously not computing minimum balances correctly given the above. Fees appear to be automatically charged with no way for agents to fix them. 

I have also noticed that when fees are refunded due to being incorrectly charged, the minimum balance calculation does not get credited appropriately. For example : XX/XX/XXXX : {$50000.00} <- validated in person as sufficient balance for XXXX XX/XX/XXXX : - {$30.00} <- fee determined to be invalid in person XX/XX/XXXX : + {$1.00} <- interest payment XX/XX/XXXX : {$49000.00} XX/XX/XXXX : - {$30.00} <- second fee determined to be invalid in person XX/XX/XXXX : + {$60.00} <- refund of two invalid fees XX/XX/XXXX : + {$1.00} <- interest payment XX/XX/XXXX : {$50000.00} <- entire month > $ XXXX if not for invalid fees XX/XX/XXXX : - {$30.00} <- new invalid fee, entirely charged due to other invalid fees The staffers on XX/XX/XXXX confirmed to me in person that a fee would not be charged on XX/XX/XXXX. Given that they were incorrect, it would seem Citibank is not capable of actually performing intended consumer refunds. 

In my case, I would like six months of fees refunded, for a total of {$180.00}. 

Given the scale of Citibank, aggregate affected accounts could mean millions of dollars per year in invalid fees nationwide.