davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (UT)

I made a payment in full on my account on XX/XX/XXXX for {$1600.00}. the amount was deducted from my bank account XX/XX/XXXX. The amount appeared again on the next months statement and has continued to do so since. I've tried many times to resolve this with Synchrony and keep getting told to wait 1-3 billing cycles to see if it resolves. It is now affecting my credit. This needs to be resolved immediately as I've been trying to allow Synchrony to do so for several months. We filed one complaint with CFPB earlier this year. Shortly thereafter, a corporate agent reached out to us, unaware of the CFPB filing and had been working on this issue. In the meantime, another Synchrony employee worked on the CFPB filing and responded as that there was nothing more they could do. The other corporate agent I had been working with disagreed with that assessment and was trying to resolve it. As she was working on it, I did not reply to the CFPB complaint within the allotted time because I was under the belief that it was being resolved by the agent and a response was unnecessary.

Synchrony is incredibly hard to reach, most of their agents have never returned a phone call other than the one I was working with. I have not heard back from her for a few weeks, and have now gotten new statements totaling {$1900.00}, attempting to collect the debt that was already paid in full by myself in XXXX of XXXX. At this point, it's been nearly a year and it's completely unfair of Synchrony to do this to a customer. In their initial CFPB response, I never did hear from the agent working on the complaint and have not ever gotten confirmation from Synchrony that the charge I've been disputing was refunded. There has never been statement provided to me showing credit for the duplicate charge from Synchrony. As such, this still, a year later, has not been resolved.
Consumer complaint received 2019-03-28
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: CITIBANK, N.A. (CA)

Please see attached letter.

I want to make it clear that I contacted the Security Dept as soon as I was aware of the fraudulent charges, and have attempted to resolve this numerous times. I have spent a lot of time trying to resolve, and have encountered much frustrating disfunctionality with the phone system and the Security Dept in general. It has now been four-and-a half months with no resolution.

This is not a lost or stolen card situation, rather a skimmer type thing.

Citi is not disputing the fraudulent charges. This is a billing issue. Because I have only been paying my actual purchases every month, a considerable amount of interest had been adding up.

I had to choose an area in step 2, but not quite correct : it's a billing error about fraudulent charges.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This bank keeps lying to me and treats me horrible they promised me that my replacement card would be contactless and it isnt when I call their customer service says their sorry horibke and then I requested a product change upgrade to the travel rewards card which they said I qualified for because of no foreighn transaction fee I chose this card but instead they change my existing cash rewards from a XXXX to a XXXX so unfair then when I call and ask them why I didnt get the travel Rewards they said their system in so tired of this bank treating me like this and wish they would keep their word I never got a contactless credit card and my existing account never got upgraded to the travel rewards card as I requested
Consumer complaint received 2018-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

Last XX/XX/XXXX, I wrote a letter to XXXX XXXX with regards to accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve. I am also filling
Consumer complaint received 2019-07-29
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: Experian Information Solutions Inc. (FL)

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFailure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (IN)

On XX/XX/XXXX XXXX XXXX made phone calls to individuals not associated with my credit account. XXXX  had called my phone number for which they had permission on Thursday XX/XX/XXXX. The person that left the message identified themselves as Specialist XXXX ( could not clearly hear name after specialist ). In the message they threatened to escalate to the next step. Unsure of what their intentions were at this point I considered reaching out to an attorney but could not afford to at this time. Then on the morning of XX/XX/XXXX XXXX called several people ( they identified 5 phone numbers when I called them back ) and informed them that they were a debt collector for XXXX XXXX and they needed to speak with me immediately. When my mother-in-law asked how they had her number, XXXX XXXX informed my mother-in-law that I had used her as a reference when I got the account and that is why they were contacting her. I originally opened this account with XXXX XXXX who transferred the account to XXXX. The account was open for many years before I even met my wife so their statement that my mother in law was a reference is just not true. This damaged the relationship with my in laws because they now believe I used them to obtain credit without their approval. My mother in law called my wife immediately to inform her of the call. While on the phone my wife received a call from XXXX  as well. They informed her that they were XXXX XXXX looking for me to collect on a debt. Immediately afterwards, I called XXXX and settled and closed the account. During my conversation I asked why they had contacted other people regarding this debt, they stated that they were listed references on the account. I asked what numbers they had listed, while they would not give me full numbers or any details as to who they contacted and when, they did give me the final 4 digits of each number they had. Four of the five sets of digits they gave me I never provided and only 2 of the 5 sets I was familiar with. I asked XXXX to remove those numbers from the account and informed them that I would be filing a complaint.
Consumer complaint received 2020-02-26
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: SYNCHRONY FINANCIAL (IL)

I found a negative account on my credit report from Paypal synchrony bank. I explained to them that this is not my account. I had identity theft and I asked for something with a physical signature showing that I opened this account. Despite them not being able to provide the proof, having the wrong name and address they still refuse to remove this from my credit file and I have submitted this to all three credit reporting agencies with no improvement. Per fair credit reporting regulations, they are required to report accurate information And they are not but still will not remove this from my credit file. Then they keep changing the status on the act and it keeps affecting my credit score.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (MI)

Onemain Finance, I asked them to remove 2 late payments from my credit reports and they did not. one late payment was in XXXX or XX/XX/XXXX and second one was in XX/XX/XXXX. I received one late payment because my car was total and onemain could not modified was owed to them until they got the insurance pay off. Onemain told me to do nothing until the claim come through, I did nothing and they put a late report on my credit report. the first one was more of the same.
Consumer complaint received 2019-07-29
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. (FL)

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2019-03-28
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: Experian Information Solutions Inc. (MA)

I spent a long time and effort to build my creditworthiness and was actually looking forward to securing a mortgage in the next few months. To that end, I enrolled as an Experian member and monitored my credit regularly. I was able to get my FICO score to XXXX with a view to reaching XXXX ( good ) within a month or two. By XX/XX/2019, I did my best to maintain this upward climb. On XX/XX/2019, I was notified that there was a flag relating to my XXXX XXXX account of {$180.00} which I promptly paid off and closed since I never really needed and used it. My score remained XXXX. Then, on XX/XX/2019, decided to try the new EXPERIAN BOOST because I constantly received email about its benefit. I duly entered my bank account information as requested and that was when my woes began. My FICO scores immediately and dramatically fell from XXXX to XXXX. Then, interestingly, my scores were " boosted '' by 12 points to XXXX. Why would I prefer and settle for a " boosted '' XXXX instead of my original XXXX. Since then, I have called and spoken to EXPERIAN at least 4 times for an explanation for the drastic drop in my score without any prior notification in changes to my scores but, till date, no one has been able to tell me. In fact, one supervisor actually told me that the truth of the matter was that no one knew definitively why my scores dropped. One agent advised me to delete the information I had entered with the boost and I did but all that occurred was that the 12 point " boost '' and my score now fell from XXXX back to XXXX. Currently, my score has even decreased to XXXX ( Poor ) and still with no explanation. The Experian agents even seemed exasperated because I was insisting on having an answer to my question. The last agent I spoke to on XX/XX/2019, told me to seek the assistance of a credit adviser and, further, that they would not put in a dispute on my behalf because it had to do with FICO scores. He tried to show some sympathy by saying " I understand how you feel '' as if that sentiment was supposed to change anything. I feel that something went wrong somewhere with the " boosting '' but no one is able to explain or accept any responsibility. As for me, I feel very hurt that all my efforts to fix my credit have had a reverse effect. I don't know what to do anymore or where to go from here.
Consumer complaint received 2023-01-13
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: CITIBANK, N.A. (TX)

Bought item and returned the credit company is not refunding money. 
XXXX XXXXXXXX # XXXX amount is {$110.00} and bought XXXX XXXX. 
XXXX  XXXX # XXXX amount is {$70.00} and bought XXXX XXXX. 
XXXX is {$180.00}. 
Th above XXXX items ordered and returned to the merchant Return Receipt with tracking number provided to Citi Bank dispute team. But Citi Bank XXXX department denied refund and saying I did return items and I'm responsible for {$180.00}. They were saying that they were going to report to the all XXXX major credit card agencies.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One once again has not provided full disclosure. Capital One continues to be misleading and fraudulent in their approach to provide accurate information to this Bureau. 

For the evidence that Capital One has provided i.e ... .. the XXXX indicates that there is a reverse side to this application which has not been provided. 

Is it that Capital One knows that the reverse side will show my acceptance to the XXXX plan to which they are not allowing during my time of unemployment. 

This corruption and misleading information with Capital One 's reporting to this Federal agency.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

I submitted a complaint Transworld Systems Inc on XX/XX/year> requesting for validation and verification of the debt alleged debt owed. I requested documentation specifically the contract, note or other instrument bearing my signature, current name and address. I also requested the certified mail receipt when the notice was sent out to me giving me the opportunity to dispute the alleged debt before placing it on my credit file which again is a violation of my consumer rights. I received a billing statement in which does not constitutes debt validity, verification, or the information requested. Nor did this company advise the credit bureaus agencies that I dispute this debt. See 15 U.S.C. 1692g ( a ) and ( b ), 1692e ( 8 ). Again my rights were already violated as I did not receive proper notification before this item was reported to credit reporting agencies.
Consumer complaint received 2019-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (LA)

This company repeatedly calls my job up to 5 times per day before the hours of XXXX and well after. They even call on weekends. They do not say anything, they hang up and/or not leave a message. This is harassment at my workplace.
Consumer complaint received 2018-05-24
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: CITIBANK, N.A. (MN)

Hello. on XX/XX/XXXX I purchased 6 used computer Graphic cards in the total amount of {$1900.00} with my Citi credit card but when I received my cards I found one of them had a physical damage, I immediately contacted the seller, and she mentioned that they don't have a problem and offered me a {$100.00} refund, I trusted her and accepted the offer, after that I decided to check all of them and realized that none of them had out put signal, then I sent a message to the seller and wanted to return them but she didn't accept my request, I also took the graphic cards to a licensed computer shop and was told that their bios have been destroyed, therefore on XX/XX/XXXX I disputed the amount with Citi but they never resolved the problem, and the decision was in the Merchant 's favor without a reason.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX I uploaded three checks on my American Express Serve account and money was deposited and all of sudden reversed spoke with the company and they would direct me to XXXX XXXX and XXXX XXXX would direct me back to American Express, the management of American Express Serve said they have never seen a situation like this before and never credited me my money back, and another issue I have money that was sent from one Serve Card to this same account and American Express claims I never accepted money and therefore I can't have XXXX dollars. I am so tired of calling them and getting nowhere XXXX XXXX services as well they almost seem fraudulent and I very saddened they will not give not even a penny of my money.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VEROS CREDIT, LLC. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (CT)

A bill payment in amount of {$620.00}, payable to XXXX XXXX XXXX  was sent to payee via check, normally bill payments sent electronically, check sent from TD Bank end, not my choice to do so. I attempted to cancel/edit payment on XX/XX/XXXX via TD Bank XXXX and website, message stated check sent, payment can not be canceled/edited. A stop payment was placed on item today, XX/XX/XXXX, due to fact payment can not be edited or canceled, was advised a fee in amount of {$30.00} XXXX for stop payment. As detailed above, check sent as opposed to electronically was not my choice, I request stop payment fee waived auve.
Consumer complaint received 2019-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2019, I recently received a letter from ( BOA Bank of America ) I realized they charged me {$35.00} while I requested closed account .I believed fraud activity from someone else .Last spring XX/XX/2019 I spoke with banking manager so why were you charged me a negative account balance.He said I must require to set direct deposit but I disagreed with him. I decided to be closed account, but manager refused it.Then I came back again I then my debit card to returned back to closed account.someone stole my funds without I know.I should not pay a deposit {$35.00} in my old account. 
Thanks XXXX XXXX
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (CO)

Lending Club. I cancelled auto pay through my checking account for a loan payment.XX/XX/2019. They responded XX/XX/XXXX confirming the cancellation. I understand I still owe this money, however they cancelled the autopay through email, but have attempted to withdrawal the amount three different times after the cancellation from my checking account and because the money was not in my account I have had NSF fees adding up. 
XX/XX/XXXX they attempted to withdrawal XXXX and it was returned with a fee. They attempted again on XXXX. It was also returned. They attempted to withdrawal XXXX on XX/XX/XXXX. It will be returned from my bank with another fee. I will be notifying my bank officially of the cancellation to attempt to stop further withdrawals. I did talk with my bank but they said I needed to talk to Lending Club.
Consumer complaint received 2021-07-23
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: Experian Information Solutions Inc. (TX)

I have sent all 3 credit reporting agencies ( XXXX XXXX, and Experian ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. 

Also, XXXX XXXX, and Experian are in violation of the FCRA. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX I booked a room through XXXX and when I went to check-in, I was told their systems were down and they were not able to check anyone in and again, I was instructed to contact XXXX to credit back the {$91.00} I had been charged and was again unable to reach a live person at XXXX. I contact Capital One on XXXX and disputed the charge, which they issued a temporary credit, however, there was a rebill on XXXX for the {$91.00}. I have sent them a letter on XXXX explaining in detail the issue again and have yet to see this reversed.