davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This is a follow up to my original complaint submitted on XX/XX/19. Since then, BOA has had one of their reps reach out to me, XXXX, from the 'Regulatory Complaints Department ', and unfortunately, I have been caught up in a game of phone tag with XXXX. According to XXXX, she needs to speak with me directly before she can investigate my claim. Given that I have already verified my identity with the BOA reps that I initially spoke with, I'm not sure why there is need to speak with me directly to conduct an investigation. Anyhow, in my original complaint I didn't submit my supporting docs because the upload portal wasn't working. Thus, I have attached the bonus reward offer that Bank of America claims does/did not exist. Maybe this can help them expedite their investigation.
Consumer complaint received 2019-09-09
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. (IL)

I was denied credit by XXXX XXXX. They sent me a letter saying why they denied it and listed Equifax as a source for their denial. On XX/XX/2019, I attempted to obtain my credit report from Equifax online. The website said they were closed and to try again later. On XX/XX/2019, I attempted to access it via their website again and the website told me that online delivery was unavailable. I next tried calling the XXXX number they gave to me. That number referred me back to the website or to obtain it via US Mail -- which is unacceptable for me as I need to see what derogatory info was in the report so I can continue to try to buy a car ahead of winter. I went back to the website and tried the online chat. I informed a rep named XXXX that I needed to speak to a live operator as I had a problem that the website did not address. She then gave me a number that was just like the number on the website that didn't have a live person. Since I had called that number I told her that there was not a live person at that number and then she gave me another number and said I could reach a live person on that number. I then asked her why she didn't give me that number in the first place. I mean, does Equifax really think that people who live in poor, communities of color are stupid in addition to being poor? I then asked for a supervisor and a rep named XXXX was put on the line. She gave me the website number also and then finally gave the live number -- all in all, this was the runaround from Equifax and a waste of my time. They said they worked for Equifax but they didn't seem familiar with my rights under the FCRA. After I finish with the two people on the chat support from Equifax, some person named XXXX calls me back and says she's from Equifax and proceeds to try to verify my account info which I give in good faith. Although she was asking for odd information like when I put freezes in place, etc. Basically, it was information that one does not normally keep for later use. Finally, she asks me when I last got a credit report and, not remembering when ( since it was also a problem and I had to make a formal complaint to the CFPB as well ) I said XXXX of 2019, this XXXX person then informed that since I had already received a free report this year Equifax would not send me a free one again. I then inquired if she was familiar with the laws of the United States of America and she seemed not to care. I then realized I was getting nowhere and I finally hung up on her.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

On XX/XX/2023 I went to the Randolph Brooks Federal Credit Union at XXXX XXXX and XXXX XXXX XXXX I went into the branch to deposit {$450.00} to my checking account. I handed teller XXXX my Drivers License and cash. Upon reviewing my account she mentioned that she was going to update my profile with my drivers license expiration date and issue date. I asked the teller for the purpose of storing that information and she mentioned it was for Compliance reasons. 
I am pretty familiar with the Bank Secrecy Act and the XXXX profile requirements. Upon inquiring why I hadnt received notification or been given the opportunity to opt out of providing my drivers license details a second teller came up and told me storing this information was a courtesy. 
The courtesy was for customers in the event they lost their ID and needed to withdraw funds from the account. I mentioned to both tellers Ive been a victim of identity theft and I do not want my ID information release to anyone for this purpose. I am fine with complying with regulations, however I am not comfortable with employees being able to have access to that level of information. 
I was then mocked and told other customers like it when the credit union is able to go above and beyond. I told the teller as I am a victim of identity theft I am very uncomfortable with anyone being able to walk in and have access to my account because the Credit Union has taken it upon itself to go above and beyond. The teller with the short blond hair then, in a condescending tone said well other people are fine with us going above and beyond as if my concerns of being an identity theft victim was absurd. 

I filed a complaint over the phone and requested to speak to a XXXX about my concerns and desire to opt out of this above and beyond service. Ive not gotten a hold of XXXX or her co-manager XXXX and have such have caused me to send this formal complaint to ensure my concerns are addressed. 
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Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

On XXXX XXXX I noticed that there was a pending charge on my account. I tried to dispute the amount immediataley, but Chime doesn't allow consumers to dispute charges until they post. When I charge posted, I reported and disputed the charge about XXXX on XXXX XXXX. The morning of XXXX XXXX, less than XXXX hours later, they denied my claim. The amount in question is for {$73.00}. I did not make this purchase. According to Chime representatives who I spoke with on the phone on XXXX XXXX, around XXXX to XXXX, my debit card number was manually keyed in- and no signature or PIN was used to authenticate the transaction. However, Chime still denies my claim and won't refund me the money for this transaction that I did not make. I spoke with XXXX in their investigations unit who told me that without new evidence they would not re-open my claim. However, their investigation did not take into account that the card was manually keyed in- evidence that they both have full access to and did not consider. Claim ID XXXX
Consumer complaint received 2023-03-28
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. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

About the first week of XX/XX/2022, I tried to use my amazon store card from Synchrony Bank the card was Declined? Logged in to Synchrony Bank and noticed that my Account With Amazon Store Card was CLOSED? then as I went through the ( 11 ) credit cards with Synchrony Bank had Been Closed? I then called Synchrony Bank was transferred to several agents, which got me no where!! except they said a letter would be sent to me explaining what has happened? then on about the XXXX day of XX/XX/2022, I received ( 11 ) letters from synchrony Bank each letter was for each credit card with synchrony Bank, their reason states the Following : '' After a Review of your account, Synchrony Bank has decided to close your account. The Reason ( s ) for our decision are activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. 
I have had these accounts for several years, all with low balances, most of which I never carried any balances, nor have I ever been late at all!! All my accounts on my credit reports show over the past 5 years have never been late EVER!! I have tried to reach out with Synchrony Bank to talk to them about these ( 11 ) Letters on these counts but NO ONE WOULD TALK TO ME, THEY JUST HANG UP ON ME!! I don't feel im being treated FAIRLY!! This is why ive reached out here with this Complaint.. Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (NC)

I have recently reviewed my consumer report and discovered items listed that result in misuse of my report and violate the law. I did not give any written instructions for these accounts and alleged late payment transactions to be furnished on my report. One of the reporting companies agreed to remove the late payment information, but no action has been taken. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I've sent certified letters to the try and resolve and verify this debt. they responded to the letter without providing all documentation regarding the debt that owed. Action are currently still being reported by the company. Certified letter sent XX/XX/2022 Tracking # XXXX Amount {$510.00} Portfolio Recovery Associates , LLC. They fell to provide any or all signed contracts between all parties. Also, my information was shared without my permission.
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (GA)

A deposit I made to Well\s Fargo Bank was returned by them and reason was refer to maker when I requested that the Check be returned to me they complied and gave me written notice that it would be removed from my account within 3 business days. I then took said check to my credit Union and verified the funds as it was from an insurance company and made deposit into Credit Union. 6 days later the check bounced at the credit Union because Wells Fargo had resubmitted the check electronically and taken the funds, later I found that they indeed had been paid for that check on the evening I deposited the check so the letter that was generated to me was in fact a false hood. do to the fact that they had released the check to me and were to remove it from my account I in good faith deposited it into credit union and since it bounced I have incurred numerous overdraft fee 's and numerous accounts have put me on a cash only basis. I have on numerous times tried to negotiate with them for reimbursement of what I am out because of their mistake and have yet to get a fair dealing from them. they have skirted around the issue and changed the case number so many times that they do n't know what the main issue is. having tried and failed to deal with XXXX departments in resolving the issue I was forced to file a small claims case against them and have not gotten any response from them. being that I am on a fixed income and these fee 's totaling about XXXX now it is about securing the funds to maintain a meager lifestyle that I have. this has gone on now for 7 months and I am now at the point of filing bankruptcy because of the loss of these funds.
Consumer complaint received 2022-07-27
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. (FL)

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX/DEPT OF ED. 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 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I filed a complaint against Portfolio Recovery on XX/XX/XXXX. So they called last night, at XXXX, from phone number XXXX. 

The prior complaint I filed about this company isXXXX. 

It seems that filing a complaint about a debt collector only increases the frequency of the calls. This was the second call in a week, an escalation on their part. 

If the CFPB is toothless, then quit wasting our time.
Consumer complaint received 2019-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc. (CA)

Debt Collector : SCA XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Creditor : XXXX XXXX XXXX XXXX # : XXXX {$200.00} Client # : XXXX Debt was incurred on or about XX/XX/XXXX, for one component of a XXXX diagnostic procedure. Out of all the individual parts of the procedure, we paid the XXXX and the hospital, but somehow did not pay - or did not know we had to pay - the XXXX XXXX. This debt went into collection with SCA collection for {$200.00}. 

During the time period of XXXX XXXX XXXX, we were XXXX overseas to XXXX as an XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX Base. We were careful to maintain all US phone numbers, email addresses, and set up mail forwarding. 

SCA Collections attempted to contact us one single time around early XXXX, via mail ( to a mailing address that was last used in XX/XX/XXXX and for which the US Postal Service no longer forwarded mail. No further attempts were made to contact us, via phone, email, or to our new address - although not confirmed, it is the practice of the US Postal Service to return these unsent pieces of mail. I suspect SCA received the returned mail. 

Instead of making any further attempts to contact us, SCA reported this to the credit bureaus. 

This is a violation of 15 USC 1692 Ch 808 as making a debt report to the credit bureaus with no reasonable attempt to contact the debtor is a violation. This is especially egregious considering the report was made due to overseas XXXX.
Consumer complaint received 2019-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (NY)

After reviewing my current statement For XX/XX/2019 I noticed a marked increase in my monthly payment. I called the help number and after a 15 minute wait an operator with a lovely voice informed me that stock market was the reason for the raise in my rate. That was that. I requested that my rate be lowered since Charging 25 % interest on a purchase is pretty much Usury and illegal. I was assured that by the operator the rate was ok and that I could not negotiate a lower rate but that the company could definitely raise it. Surely this company ( paypal credit/synchrony ) must be stopped. I plan on closing my Paypal credit account today but someone has to make them aware of their misdeeds. The prime rate is currently only 5 %. You can not abuse your customers and stay in business.
Consumer complaint received 2022-07-27
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. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX  Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX Creditor : ( Original Creditor : XXXX XXXX ) Account : XXXX XXXX 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 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DE)

I have 2 Citi Double Cash credit cards. I can change the due date on one but can not on the other ending in XXXX. After pursuing this for almost a month and being given various misleading answers, I was informed today that no Citi card may change their due date till XX/XX/2019 as they are increasing the Late Fee on account to {$39.00}. So ... if a person has issues with making payments by a given date, due to payroll date issues or even Govt Shutdown issues, Citi would rather the customer and their families incur ADDITIONAL Late Fees instead of allowing them to change their due date and assist the cardmember? I can understand operational issues, but not allowing millions of cardmembers to change their due date for Over SIX months is simply ridiculous and Evil! Also, one of my cards, which is identical to the other one, can in fact change the due date, so the original statement made by Citi was a blatant lie. Citi also indicated that if I wanted to change my card type to another product with a Big Annual Fee, I am actually permitted to ... .so any changes that Benefit Citi are A-Okay, but changes that could help a cardmember manage their finances ... not a good thing for Citi .
Consumer complaint received 2022-07-27
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. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX Creditor : ( Original Creditor : XXXX XXXX ) Account : XXXX XXXX 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 2019-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a 30 day late payment on my account and i have paid the fee and my bill in full and they will not remove the late payment fee from my credit report. I have contacted khols department store on XX/XX/2019for a forgiveness and they failed to since i payed the fee i have never been late ever and the problem was that why i was late was i opted to paperless statements and i told them i never did so and if i did they still havnt sent my statement please forgive my error on my late payment
Consumer complaint received 2022-07-27
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-28
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I went onto XXXX  XXXX online to check my score through there XXXX XXXX there were Credit inquiries on my report that I don't recognize because I never authorized any of them or signed anything giving anyone any right to run my credit on the following hard pulls I am being accused of. 

XX/XX/XXXX XXXX through experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all on Experian