davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (MD)

I contacted XXXX XXXX XXXX , XXXX by letter to request verification of debt. XXXX XXXX XXXX has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (CA)

Every time I do a mobile check deposit, chime is requiring me to put deposit at chime only on check. Then they find every excuse to not accept check, one says image quality is poor and then chime says can't accept it. 
This has to be against banking regulations. Because now the check is not valid because I put deposit at chime only. Not convenient and possibly illegal They should be fined for causing problems
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As acting CFO/Treasurer for a legally formed business entity, I phoned American Express on XX/XX/XXXX at exactly XXXX a.m. ( PST ). During this 33 minute call, I made it known that the business I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the business cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my Business Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$1400.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a business account for which I am the CFO/Treasurer, then I believe American Express ' attempt to collect should be levied against the business entity. Not me as its employee. 

Furthermore, the CAREs Act is supposed to protect consumers during this pandemic against unjustified negative credit reporting activities.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

Citicard has blocked my card since early XXXX because the " fraud department '' can not " authenticate '' me. As a result I now want to cancel my card and receive back a prorata portion of my annual fee ( {$40.00} ). But Citibank fraud department ( to which I am automatically connected ) refuses to do so, even though there are NO charges outstanding and card payments are completely up to date. Citicard has no problem " authenticating '' me when I make a payment on the card - I did so today. It is absurd that this bank makes it easy to take money from me but will not undertake the services for which I am paying. As a result my frustration makes me want to cancel the card ( I can not use it ) but they won't even allow me to do that. When I contact the fraud department they need to call me back. My home number is not an " acceptable '' number for that purpose. When the agent calls my business line the call does not go through. She is clearly working from home and has a technology issue. It is disgraceful that Citicard discriminates against military veterans in this way
Consumer complaint received 2023-05-29
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)

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 U.S.C 1681. ACCT Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven 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 2020-08-13
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: EQUIFAX, INC. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

1. I purchased an umbrella on sale from XXXX XXXX XXXX while in the store. 
2. I returned the defective umbrella for an even exchange 3. While in the store, the clerk was unable to give me an even exchange while in  the store for the damaged umbrella, but stated once the replacement umbrella arrived, it was shipped to my home, I could return to the store for a credit to my account for the difference. She charged me full price for the replacement umbrella. 
4. Once the umbrella arrived, COVID hit, and this XXXX XXXX XXXX  store closed, no one answered the phones, nor was I successful getting in touch with Comenity the bank that holds the credit card that XXXX XXXX XXXX  has a relationship with. 
5. I contacted Comenity, as they charged me {$74.00} in late fees as a result of this umbrella refund.

6. They credited me the {$74.00}, 7. In XXXX I was able to go back to the store to receive the proper credit 8. I paid the additional {$9.00}. and some change, essentially paying off my XXXX XXXX XXXX card through Comenity 9. I now see a late fee, on top of a late fee on this Comenity XXXX XXXX XXXX Card ... Late fees being charged on late fees? Is this legal? I owe Comenity nothing ... I am paid in full, except for late fees as a result of Covid ... I called XXXX at Comenity today and told her to close my XXXX XXXX XXXX card with Comenity! XX/XX/2020 XXXX. Furthermore after they credited me the late fee, they never credited me the interest on the late fees.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (TX)

CHRYSLER CAPITAL sold my information To XXXX XXXX XXXX and both are reporting on my credit as reopened and damaging my credit scores. This loan was opened back in 2015 and its been 7 years both should be deleted from all 3 bureaus. I have sent certified letters to all 3 bureaus to solve this problem and nothing has happened.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

Beginning on or about XX/XX/XXXX and continuing through XX/XX/XXXX, Bank of The West charged me {$240.00} in overdraft fees. On XX/XX/XXXX the Bank charged me {$70.00}, on XX/XX/XXXX it charged me {$140.00}, and on XX/XX/XXXX it charged me {$35.00}. I wrote to the Bank requesting a refund of the fees. I have deposited funds for all of my transactions. This is a despicable and predatory manner of charging fees. Bank of The West claims to have done away with charging fees, but it still to this day continues to take advantage of the average consumer by charging exorbitant fees, even for transactions as low as {$2.00}.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

Hi so I have been locked from my TD bank account a few days ago and have been locked for good, can't get the account back im done. But I can't get my money back, they are trying to figure out what is going on with an account that is only about a couple weeks old and want me to wait probably 30 days to get my money back actually most likely more. I have done research on this topic and have seen that TD is very slow with the responses and that they want you to forget about it pretty much until you actually give up. I can not do this right now we are in a pandemic I will not let someone hold my money for such a long time during these drastic situations and also close my account without warning completely out of nowhere. I have talked to many TD represenatives and even they haven't added much to my help at all, it's always in the hands of the investigation teams. The service I have received here has been ill and I will not wait so long for a check of money that should already be in my hands.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

I have been frozen out of my account for XXXX months now, and this account contains approximately XXXX XXXX of my XXXX  savings. I have tried relentlessly to get my account unfrozen, to no avail. I am desperate to recover access and feel completely bullied. I describe my situation below. 

In XX/XX/2023, my savings account by the company " XXXX by Goldman Sachs '' was frozen. This freeze happened right after I attempted to move some funds to a foreign account managed by the company XXXX. I immediately called them to get my XXXX by Goldman Sachs account unfrozen. After passing XXXX  XXXX  checks, such as giving my social security number and providing my " secret word '' that only I know, I was told that they would next send me a text message to the phone number associated with my account to finalize my XXXX  verification. 

This is where all the problems began. As an XXXX  student with research projects overseas, I spend a significant amount of time XXXX, so I no longer had my original phone number. I was therefore unable to verify my XXXX. I was then told that the only way to unfreeze my account would be to verify my XXXX  by submitting an XXXX  of XXXX, which they would mail to the address they had on file. After an XXXX  number of calls, it took them XXXX months to send me this form. I got it notarized and sent it back to them, as requested. It is now XX/XX/XXXX, nearly XXXX months since my account was frozen, and my account remains frozen. Every time I call customer service I am told that they will call me to finalize the XXXX  verification. They have by far exceeded the XXXX  of XXXX  days they say it takes between receipt of the affidavit and the unfreezing of accounts. I know for a fact they have received my affidavit because they have told me so, but I remain waiting for it to be unfrozen. 

This account contains the vast majority of my savings, and not having access to them for XXXX months has been extremely stressful. I don't know what to do anymore. Any help will be much appreciated. 

Thank you
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

I found out I had 2 different credit files due to name change by marriage. As a result, I had two different credit scores for Equifax. I called to have the two files merged. On XX/XX/XXXX, both credit files were deleted and removed all credit history. I spoke to a gentleman at Equifax whom spent time with me collecting all of my account and creditor information so they can be added back. The confirmation number for that call is # XXXX. On XX/XX/XXXX, I was requesting a credit line increase on my XXXX XXXX card with XXXX XXXX. They were unable to pull my report. I lifted the credit freeze and called them back to try it again. At the same time, I processed a request to view my credit report on www.myequifax.com, I received an error message. The next day, I experienced the same thing and XXXX XXXX was still unable to view my credit report. I have not seen an updated credit report in months, all because I changed my name and everytime someone fixes it gets worse. XX/XX/XXXX I call Equifax and requested to speak to a US representative, the customer service associate refused to transfer me. I explained dilemma and after reviewing my file preceeded to tell me there isn't an issue with my report. I requested to speak to a Supervisor and was left on hold for 30 mins. I hung up and called a different Equifax number. I spoke to another associate who was sympathic and kind enough to assistance but she was unable to view my report. She asked I call the Equifax Global Consumer Care at XXXX. XX/XX/XXXX I spoke with XXXX and they too were unable to access my Equifax credit file. As a result, I am unable to view my report and scores for XXXX and XXXX as well. XXXX I am currently on the phone with Equifax at XXXX CST. The associate would not transfer me to a US Representative but is kind enough to assist and look into this as well. So far, he does not see any issues with pulling my credit file. He is unable to find my MyEquifax account online and as of right now I, XXXX XXXX  and XXXX must be doing something incorrectly because " there is no issue accessing my report ''. Mind you that names on the XXXX and XXXX XXXX  requests match my credit file as XXXX XXXX XXXX and same address. I am beyond frustrated and unable to refinance my home, car or obtain any credit that requires an inquiry with Equifax. I have been resolving issue after issue with Equifax and have exhausted all avenues. Still sitting on the phone currently, 57 minutes.
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Account Services, LLC (GA)

I had a medical debt with Patient Accounts Bureau/XXXX  XXXX that was paid off on XX/XX/2020. The Payment was paid ( {$1500.00} + {$6.00} handling fee ). I have continued to receive collection calls. I have told them repeatedly this was paid off and I have been told each time the manager, XXXX XXXX, would call me to resolve this. Each time they call for payment, we go through the same deal, with them always saying XXXX XXXX will straighten it out. I have sent them ( repeatedly ) copies of the confirmation code and the account it was paid on to no avail. The only information that any of the collectors have been able to tell me is that maybe they applied it to another debt that I have with them. If this is the case why did the balance not go down on the other account and how are they able to take the money away from where I had applied it? I received no satisfactory answer other than XXXX XXXX would call me, which she has yet to do. XXXX, XXXX, XXXX is way to long for them to find my money, pay off my account and quit calling me regarding it.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (PA)

I had a credit card with XXXX XXXX. I authorized the card to be paid monthly from my XXXX XXXX   account Unknown to me, XXXX transferred my credit card to TD Bank. 

I saw a charge on my XXXX account for XXXX from TD Bank on XX/XX/20. I went to XXXX and filled out a form to dispute it, as I did not knowingly have a credit card from TD Bank. It was reversed on XX/XX/20. 

On XX/XX/20, there was another automated withdrawal from TD Bank, this time for XXXX. I later found out that that amount included the previous amount of XXXX, plus XXXX charges and interest. I told XXXX not to accept any charges from TD Bank, and tried to dispute it, but XXXX said I had to come in in person to fill out a dispute form, which I didn't want to do because of COVID-19. On XX/XX/20 they decided to reverse it without me going in person to the bank, which I didn't realize until later. 

On XX/XX/20 I realized that the TD Bank credit card was actually the XXXX XXXX credit card, and that the charge was valid, and I immediately wrote a check # XXXX for {$6.00} which includes another {$1.00} in fees. I contacted TD and offered to not ask XXXX to reverse the charge if they would remove the XXXX fees and interest. They agreed, and sent me a check for {$3.00}. 

On XX/XX/20 TD again charged my account for {$5.00}, which XXXX reversed on XX/XX/20, because I had previously told them not to accept charges from TD Bank. 

I can provide a copy of the check cashed by TD Bank. 

( 1 ) This mix-up was entirely TD Bank 's and XXXX XXXX  's fault. I was not informed that my XXXX XXXX credit card had been changed to a TD Bank credit card, so I did not recognize the automatic withdrawal from my XXXX XXXX checking account. Which is why I had the charge reversed. 

( 2 ) I paid the entire amount via check # XXXX as soon as I discovered the problem, and TD Bank cashed the check. 

( 3 ) TD Bank agreed not to charge me interest and fees as it was their fault for the mix-up. That's why they sent me a check for {$3.00}. 

( 4 ) I paid the entire amount due of {$3.00}. However, if TD will agree to remove the negative mark on my credit report, I will pay the additional {$3.00} in interest / fees. Since XXXX XXXX  did reverse the charge on XXXX because I had originally told them that a charge from TD Bank wasn't valid. Although I didn't know that XXXX would actually remove the charge without me going in person to fill out a dispute form, as they had said that they would not, but they apparently changed their policy due to COVID-19.

Please note that this is COVID-19 related.
Consumer complaint received 2016-12-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL (AZ)

Collection company had never contacted me when I lived in XXXX, where my debt was originally signed. Upon moving to XXXX, and after I contacted XXXX to repair my credit, it seems XXXX has purchased ALL of my debt in addition to my husband 's. I have court summon, which I settled but they refused to take my XXXX into consideration when agreeing to an amount and refused to accept monthly payment arrangements that I could afford. This company has come after us now. I explained to collection company 's attorney that I am XXXX and this credit delinquency arose due to a XXXX for a year. I also expressed to attorney that I contacted each original creditor from hospital via telephone to arrange payments and even offered medical documentation but to no avail. Now this company is unbending in their debt collection and, has explained that they will continue reporting on my credit for years to come. Also, they have stated that even though they will " settle in FULL '' upon agreed amount, they will further report me to the IRS for any difference above {$600.00}. I do not know if all of this is legal. I do n't see how any of this is fair. I am XXXX ... I contacted original creditor to avoid this very issue ... they did not care to work with me. XXXX XXXX collection company is probably a partner with XXXX XXXX credit repair company because the timing of all of this is too coincidental. I changed my address with XXXX so I am hiding from nobody only XXXX XXXX has contacted me now over year after having acquired my debt and precisely at the time XXXX XXXX became involved.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

On XX/XX/2020, I went to the website XXXX to check my credit score and decided to see what kind of refi rate I could get on my first mortgage. I was shown a prequalified rate of 2.65 % and XXXX points from a company called Cardinal Financial. Note, they know my credit score and LTV. 

I clicked apply and was called by a Cardinal MLO that day. I explained that my existing rate was 3.25 % for a 30 year fix, and he send me a link to apply. I applied on XX/XX/XXXX. The MLO did not call me back until XX/XX/XXXX. At this point he said that I could still get the 2.65 %, but now it required interest prepayment ( points ) with a 39 month break even!!! 

What is infuriating is that they did a hard credit pull on XX/XX/XXXX, which has lowered my credit score, and they did so apparently with no intention of honoring the pre-qualification rate. This is bait and switch, and it damaged my credit score.
Consumer complaint received 2020-08-13
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.