davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Pentagon Federal Credit Union is involved in a bait and switch with veterans credit cards in relation to cash advances. They roll over cash advances and then when you go to pay instead of paying the highest rate first as they advertise they have an algorithm that partitions the payment so you never pay the lowest rate completely. Their poor customer service folks have no clue what they are doing because it was designed in the high office in collusion with IT to make it innocuous. But they are stealing from the veterans they have pledged to protect and it is offensive!
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CEASE AND DESIST CAPITAL ONE Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Do not close my account ( s ) without my authorized permission. 
XXXX out the balance on this account. 
Best regards, XXXX XXXX
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (CA)

I applied for the apple card on XX/XX/2022 using a referral link my friend sent me for {$75.00} daily cash after making your first purchase. On XX/XX/2022 I made my first purchase on the card. On XX/XX/2022 I got the daily cash for the purchase, but I did not get the {$75.00} daily cash that was promised through the link. I contacted Goldman Sachs, and the representative informed me that the refer a friend promotion expired on XX/XX/2022, however there is no mention of this through the link which is still active on XXXX 's website, and I was not aware of the expiration of the promotion. The link is apple.co/refer. It is still active without any mention of an expiration date or any indication that it is no longer valid.
Consumer complaint received 2021-10-22
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. (WI)

I disputed this information as inaccurate account status on 4 separate occasions directly with the Experian and XXXX credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

Thank you.
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

Company : Venmo Date : XX/XX/2020 Amount : {$100.00} Someone impersonating my daughter ( to whom I often send Venmo payments ) requested {$100.00} and I paid. The perpetrator was able to see my payment history ( by Venmo 's default configuration ), steal ( and use ) the photo of my daughter and establish a Venmo ID identical except for an underscore [ '_ ' ] as the last character, which I did not notice. 

I discovered it hours later in an unrelated phone call with my daughter ( who denied having sent the request ). I then contacted Venmo, who effectively said " too bad, you lose ''. I informed Venmo the funds had not been withdrawn from my source account. This was of no interest to Venmo. So I stopped payment of the transaction through my bank to which my Venmo account is linked. 

Now Venmo has suspended my account until I pony up as an accomplice to their security shortcoming that enables fraud.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shermeta Law Group, PLLC (MI)

On XX/XX/XXXX I received my paid in full notice for a XXXX XXXX XXXX credit card from XXXX XXXX XXXX XXXX XXXX. I had previously settled with them for the amount of {$4700.00}. The notice, which I have included in this complaint indicates that the matter is closed both with them and their client. Recently, in XXXX a debt collection agency for Shermeta Law group has been attempting to collect on the debt, despite the fact that it had been satisfied with the previous collector. I have contacted Shermeta, and they indicated that if I sent the relevant document they would review it and respond to my concerns, generally within XXXX hours. This was several weeks ago and they are no longer responding to me, despite the fact that the Paid in full notice I sent them features the very account number that they are currently trying to collect.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have been on XXXX since XX/XX/2019 I have been cleaning things off my credit report past medical bills and everything else to build my credit back up to buy a house for me and my kids nothing new has changed no new debts or anything else on my credit in XX/XX/XXXX TransUnion updated my credit score and dropped it by XXXX  points for no reason and are giving me no reason for it they are also reporting inaccurately information to their partner company credit sesame that is reporting inaccurate bills or debts and credit scores I want my credit score fixed there's no reason it should drop by XXXX points for no change in a credit report I have not worked since XXXX of 2019 and have had multiple surgeries and are expected to have multiple more I am trying to get my credit fixed and high enough so I can get approved for FHA first time home buyers loan and them dropping my credit score by XXXX points for no reason completely killed every headway that I've had
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022, there were three ( 3 ) unauthorized transfers of money out of my wife and my Bank of America accounts using XXXX. I called Bank of America to report the fraud/unauthorized XXXX transactions XXXX XXXX. Bank of America provided me with a claim number, locked our accounts and assured me that they would do an investigation. The three ( 3 ) unauthorized XXXX transactions were unusual since I did not use Bank of America to transfer monies out of my account using XXXX to this criminal ever. My wife and I did not add this criminal or his/her cell number or email address to my list of XXXX Recipients XXXX I never transferred such large amounts using XXXX nor have I or my wife ever sent anyone money using XXXX muliple times in one ( 1 ) day. It would be easy for Bank of America to flag such unusual activity on our accounts. Yet, Bank of America instead of safe guarding our money, permitted this fraudulent activity to take place. Even when provided with an XXXX Police report, Bank of America chose to protect themselves rather than protect my wife and I. This was a crime and Bank of America has refused to restore the money that was stolen. 
From acct # XXXX {$1000.00} stolen on XXXX {$200.00} stolen on XXXX From acct # XXXX {$300.00} stolen on XXXX I filed an police report with XXXX and a Identity Theft Report with the Federal Trade Commission. I provided these items to Bank of America by email on XX/XX/2022 and by Fax on XX/XX/2022.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

I applied for an XXXX XXXX online and I received an e mail asking me to provide my personal information so they could tell me if my application for this credit card was approved or not. I fell for this scam e mail and I gave this hacker my social security number, my zip code and my birth date. There has been no fraudulent activity on my accounts as of yet, but I'm sure there will be soon as this hacker now has the last XXXX digits of my social security number as well as my birth date. This is why I am reporting this. Thank you and I hope you can help me.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (WA)

Hi, I attempted to close my Chime.com, an internet bank account in early XXXX. It is now late XXXX and I've had no success. 

In XXXX, I contacted them by phone and they said a check was already mailed out..wait 7 to 10 days days.

I followed up with email. Please provide a drivers license ... Done.

Next email... please provide a copy of a social security card..Me..nope not sending a copy of my social over the internet ( social security cards can not be used for identification anyway ) Next email... please provide last 4 digits of social done Next email..we need a copy of a utility bill ... sent Next email..sorry the copy is insufficent..please resend with all 4 corners showing At this point, I'm done. They are just stringing me along only to ask for something else. 

Can you assist? 
XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (GA)

In accordance with The Fair Credit Reporting Act -XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : # # # # # # XXXX - XXXX XXXX BANK NA Account Number : XXXX XXXX - XXXX XXXX XXXX  Account Number : XXXX XXXX - XXXX XXXX Account Number : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - US DEPT. OF EDUCATIONXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX 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 2018-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (GA)

On XX/XX/18 a truck service told me theyd charge a {$100.00} flat fee to put air in one of my tires on the rd. I gave them my card number to secure their services. When they put the air in, they charged me {$380.00}. I spoke to them and they told me they also charged me for two hours of the drivers transportation time and parts which didnt make sense and i did not agree to. I incurred {$210.00} in bank fees because of this. I gave my bank notice after the transaction posted thinking maybe it would be adjusted. They gave me a claim number on XX/XX/18 XXXX I called in on XX/XX/XXXX for an update. A representative told me my case was resolved and Id need to speak with someone in that department tomorrow. 

I called BB & T ( my bank ) on XX/XX/18 and they told me this case has yet to be worked. They have issued no provisional credit and are very rude over the phone. The rep i spoke to XXXX was specify aggravating. At this point Id just like help and information as to what laws they must follow during this process.
Consumer complaint received 2023-04-10
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have a few accounts that are showing me XXXX days late and at the time my income was affected by the XXXX shut down. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Consumer complaint received 2020-11-06
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. (NV)

These accounts listed are not my accounts. I was a victim of identity theft. I have provided my correct personal information and I am submitting my personal documentation. I can assure that I am not a credit repair company and or a mortgage company. Please remove those bad items from my reports. Thank you.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Ive called in and orginally wanted to get clarification on which accounts were delinquent. The agent advised me all the accounts listed below were reporting with a 60 day delinquency status. XXXX XXXX XXXX XXXX XXXX XXXX XXXX possibly financial and self financial. 

I told her I was taken back by tbat causd nowhere do I see anything that indicates such. She told me I would have to call in like Im doing to get such information. I asked for proof so I could work with the lenders themselves on correcting such. She advised me she couldnt provide such. 

Its very difficult to understand the reporting on this TransUnion report. Exact same accounts report neatky identical on other reports yet they do not report under delinquent account considering they have a zero balance on them. Yet after multiple attempts to correct such today TransUnion reports state I have delinquent accounts. 

I also have great concerns over the way XXXX XXXX XXXXi account is reported. You notice you are the only one reporting this account. The months listed under the payment history that only show x you cant provide what that is reported as yet its still reflects a deliberate status under those months. 

Theres reporting under this report that I have 2 accounts with 60 day late payment status on them yet nobody can explain what other accounts other than XXXX XXXX  has a 60 day mark on it.
Consumer complaint received 2019-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP (VA)

This is the second complaint I've had to report for the same issue. Previous complaint was never truly completed. The company made less calls in XXXX and XXXX, but calls began increasing in frequency again. 

Each time, they ask for a man who has never been associated with our business. 
When we ask what phone number they dialed ( our phone number ), they response, " I'm sorry, I can't give out that information. '' On XX/XX/19, I spoke to a manager, XXXX, and she assured me that our number would be removed permanently. Call ceased for a few days, but started back up again the next week. 

I have spoken with 4-5 managers in XXXX and XXXX. Each one was kind and apologized greatly and promised to remove the number. However, the calls kept being made. 

The last manager I spoke with on XX/XX/19, XXXX, was very rude and did not listen to my concern and frustration. She said she would submit our number for cancellation to Customer Services, but was unable to rectify the problem over the phone. When asking for her manager, I was told they were in a meeting. 
This needs to be rectified right away as the problem has been continuing for over six months!
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CLGF Holdco 1, LLC (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and there is no update very much over 30 days, no results nor feedback.
Consumer complaint received 2020-11-06
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 — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

I have contacted LexisNexis mutiple times in order to get a bankruptcy account # XXXX removed from my LexisNexis report. The last dispute I sent to LexisNexis was on XX/XX/2020. LexisNexis did not reply back to my dispute until XX/XX/2020. Also when LexisNexis responded to my dispute they did not investigate the matter. Their response states that they were " unable to locate the disputed item in our database ''. LexisNexis should delete the bankruptcy account # XXXX because they did not investigate the account and they did not reply to my dispute within 30 days. 

I have attached copies of my dispute and their response.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

Apple credit card managed by Goldman Saks was used to purchase Apple MacBook Pro 13 '' notebook on XX/XX/XXXX at Apple Store online. The amount was {$1600.00} and {$150.00} sales tax as 2 separate transactions. An order was never created. 
Apple Customer Care admitted that it is a known problem happening for a new Apple credit card but was assured that these 2 charges would be automatically dropped from my account in 2-3 days. 
These are still active charges after almost a month, and a number of calls between Apple Store Customer Care and Goldman Saks Support managing this card for Apple did not address the issue. 
Only yesterday after I escalated issue at Goldman Saks Apple Card Support its manager XXXX finally admitted that it is a known problem for this card. 
She created a case # XXXX on XX/XX/20 to remove these 2 charges. 
But when I asked when these illegal charges would be removed she put me on along wait to consult somebody else, and returned back saying it would take another 30 days to investigate this contradicting that she clearly saw that no order was associated with these 2 charges. She neither sent me email about this issue nor would send me mail about it. 

Currently there are 2 charges : {$1600.00} and {$1700.00} I used this card for a recognized {$1600.00} charge. {$150.00} is interest charge from that not created by Apple Store order.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

We reserved and paid {$3100.00} dollars to XXXX XXXX XXXX XXXX , XXXX on XX/XX/2018 for out 15 days tour to XXXX starting XX/XX/2018. XXXX XXXX XXXX went bankrupt after its licence to do business in XXXX was cancelled and we never got the services we paid for. We requested several times with our credit card provider Citi Cards to reconsider our claim to get our refund, but Citi Card rejected and closed the claim. My two sisters in law was going with us in the same tour date, but purchased the tour with a different credit card company and was fully refunded with out any issues, delays or problems.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

Numerous complaints have been made against Wells Fargo pertaining to accounts opened as a result of high pressure sales tactics by Wells Fargo reps, specifically fees charges to these accounts which mainly include overdrafts. Complaints were not resolved, small remedy amounts were provided including {$50.00} and {$120.00} which do not cover total fees. Wells Fargo repeatedly provides an offer of mediation, a packet in re has been sent to me a total of four of five times, three were filled out and returned, the last one was sent on XX/XX/27. Recently, I was contacted by an XXXX XXXX with a settlement offer, however, nothing was received in re and I am now back to requesting remaining fees which total {$610.00} and have been denied. Wells Fargo insists on continually mailing me statement copies which I already have and thus, arrived at the total of {$610.00} charged in overdraft fees, I included prior refund amounts and this total reflects those. Any mailings from Wells Fargo, unless it is a check for remaining fees, will be refused as they have been, the most recent packet was marked refused. Failing to refund these fees, information has been provided to attorney XXXX XXXX of the XXXX XXXX XXXX whom is investigating several banks and credit unions including Wells Fargo for their system of charging overdraft fees. Regardless of what their account agreement states, Wells Fargo engages in questionable practices, otherwise, they would not be under investigation. In closing, Wells Fargo did agree by offer of settlement, to refund me these fees. I will not divulge the amount of settlement, however, I will say it is much more than the amount of request. As stated before, no payment was received from this settlement and I will not keep calling and emailing their rep, XXXX XXXX in re. However, I will keep filing complaints until I get what is owed to me which is the amount of {$610.00}. If Wells Fargo keeps denying my request, the attorney will recover some if not all via litigation.