davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

My Amazon Corporate Card has {$380.00} in unapplied credits that I called as required to get applied to my balance of {$690.00} and Amazon representative could not find credits in the system although they were never applied. 


XXXX XXXX from Amazon only showed in her system older credits of {$280.00} applied from previous statements but had no idea why they were not properly showing the {$380.00} credits in the system. Someone had manipulated the system & transferred my credits without applying to my account. 


I went to CEO of Synchrony Bank after going through corporate office as XXXX XXXX also did not apply over {$200.00} credits to my account properly and when I ask for date and invoice number 6 times would not provide. 

I suspect fraud in the corporate account section of Synchrony Bank and the way they apply credits leaves the door open for an accounts specialist to apply one persons credits to another account with no one being the wiser as it is not applied by transaction to zero out the debit by the credit. They can apply credit dollars against any transaction with any date & any dollar amount with no record required of doing so. Something is very wrong -- please see my bill attached which clearly shows credits that were never applied & now somehow disappeared.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX RE : Bank of America. Complaints ; XXXX and XXXX.

Recd, a call from XXXX XXXX, representing Bank of America. Ph # XXXX XXXX XXXX.

Extension XXXX.

I returned the call. Asked up front, ''-what needs to be done to reconcile these issues today? '' My desire, as mentioned to XXXX. XXXX was to conclude the complaints, satisfying his employer and myself ; a meeting of the minds. FYI : XXXX XXXX stated ultimately, he, he would be the decision maker. Alas! XXXX XXXX had no answers. ( Request a copy of the call. My attitude ; my desire is/was reasonable. XXXX XXXX 's response, well ... ... ... ... ....

I have no idea why XXXX. XXXX phoned me today. I consider his phone call a form of HARASSMENT. That's a reasonable appraisal, for XXXX. XXXX clearly stated multiple times that no decision would be made until Friday, XX/XX/XXXX.

I am being abused by XXXX. XXXX ; by Bank of America, as I was by branch personnel mentioned in my complaints.

Today 's date is XX/XX/XXXX. It's XXXX. XXXX XXXX
Consumer complaint received 2019-07-06
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. (TX)

On XX/XX/2019 I went to XXXX XXXXXXXX and looked at several XXXX. We decided on one I was interested in but wasn't entirely 100 % on as we figured out numbers. They asked if I would like to check credit to see what they could do. I explicitly asked several times to verify what kind of pull this would be, soft or hardpull, and after asking I was told each time that this would be a preliminary softpull. I woke up XX/XX/XXXX to find out they ran a hardpull on my credit. This seems rather unethical and after this I will not be choosing to go with XXXX  XXXX. They tried to rush me through certain steps of negotiation and it left me feeling like something was going on and sure enough ...
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Army and Air Force Exchange Service (CA)

On XXXX XXXX, 2015 I received a letter from XXXX XXXX threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of XXXX XXXX , XXXX and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.
Consumer complaint received 2022-07-22
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. (FL)

In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX account number XXXX has violated my rights and HIPPA violation 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 an account without my written instructions
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On  XX/XX/XXXX  2017  I got  XX/XX/XXXX tattoo  at   XXXX   XXXX   in   XXXX   XXXX  , NV for {$350.00}. They then also without my authorization charged my card for {$870.00}  and forged a signature. They have documentation proving I was there for   XXXX  ta ttoo ONLY and no itemization to back up any of their claims of whatever they charged me for. I disputed the charge with Chase, but because of the fake signature, they will not help. I have tried to report this to BBB with no luck.
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In addition, the tattoo I paid for got  XXXX  and I spent {$150.00} dollars treating the  XXXX
Consumer complaint received 2016-03-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Gatestone & Co. International Inc. (NY)

I received a call from a company called Gatestone. I initially ignored the call because I had no debt but decided to call them back the second time. They asked for my current address and prior address ( since I just moved ) which did not match their records and last XXXX digit of my SSN ( which they asked for and which I should not have given ). They then said it was for an XXXX CC I was a secondary for but I told them that I am not a secondary for any credit card or loan. They gave me the last XXXX digits of the supposed card and I confirmed with them I had no such account. They said they will then delete the my contact details ( work and cell numbers - which they used to call me ) from the account. I called them back because I decided to call XXXX and I did not recall the last XXXX digits of the account they said I had. I was able to talk to the agent assigned to my case and he provided the last XXXX digits. Note, that I had no issues calling this company and getting someone on the phone in the two instances I called them. 

I called XXXX and they confirmed that I have no account ending with the XXXX digits in all my current and prior accounts with them and that they do not work with such debt collection company. They also said that they call their customers directly about unpaid balances and do not go straight to a collection agency. 

I tried to call the company back and let them know about my conversation with XXXX and suddenly unlike prior instances, my call went into voicemail for the " XXXX XXXX Department ''. This never happened in the two other times I called them and I called during office hours. I left a voicemail anyway indicating that I have talked to XXXX. Now, I am worried because they have my cell, work numbers, my current address and last XXXX digits of my SSN and I am now wondering if they created this phantom debt or bogus account digits for a debt supposedly I have to get personal information.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC. (IN)

A checking account, for Santander Bank, was opened, on my name, by a scammer, XXXX XXXX. He stated, he deposited {$20000.00}, in to that account. I wrote a check, drawn to that account, on my account, at XXXX XXXX XXXX. The Santander account, is a real account, but my name, isn't on it! I needed to repay, XXXX XXXX XXXX. 
I contacted, both banks, without resolution. 
I have been in contact, with the Attorney General 's Office, who are also investigating this.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Ive been trying to resolve an issue with the annual fee on my credit card for 3 months now. Ive spoken to 4 different individuals starting in XXXX when I first received the letter making me aware of the fee. At that point I called looking for solutions on not paying an fee and was told to call back once it assessed and they would be happy to waive it. 

Called in XXXX or XXXX to follow up on this and was told that the only way to avoid the fee was to close the card and apply for a new one. I simply dont want to pay an annual fee on a card where I have 2 others in my wallet that dont charge a fee and have comparable benefits. 

Ive escalated through their channels to a manager where Ive been trying to come to a better solution set as paying the fee and / or closing the card simply isnt a feasible option with respect to the impact to my credit score. This has been my longest standing card and my highest limit. Closing this card would negatively impact my credit during a time of a housing search/home improvement financing discussions. 

My last contact was to XXXX, a supervisor, on XX/XX/XXXX who called me back from a escalation I had previously on the same issue. Again, stating my agreement to the XXXX XXXX XXXX ( which I get and agree with ) he was unable to do anything. I asked to speak with him manager which he stated would call me back in 48-72 hours. I never received a call. That prompted my call today to resolve this issue to which I was met with the same discussion. 

At this point, my complaint is no longer about the fee, its about the lack of reasonable solutions when I am looking to avoid a fee on a card where virtually annual fees are reduced across the board with different financial institutions. Being forced to pay the fee or negatively impact my credit isnt a spot where a consumer should find him/herself. 

Additionally, an interest fee was assessed on the annual fee that was waived without me asking for or knowledge of. I didnt think one could charge interest on a fee?
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I try to send a gift card in my chase online banking and then a XXXX transfer to the same person but they cancel and block my online access I call to try to fix it but they ask me for a social security number and I don't have XXXX
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc. (IL)

On XX/XX/XXXX I sold and closed on my home. The mortgage for the home was paid in full as part of the closing. Nationstar Mortgage ( aka Mr. Cooper ) reported the account closed on my credit report on XX/XX/XXXX, and reported it as being included in my bankruptcy. While I filed for Chapter XXXX in XXXX, and it was discharged in XXXX, I filed and have a legally signed reaffirmation agreement. I continued to pay, on time, on this loan for over 5 years. On XX/XX/XXXX, the account was closed, and paid in full, as a result of a sale. Never once was this included in the bankruptcy or was it affected by the bankruptcy, and to report that it was, which is having a negative impact on my credit and ability to secure credit, is fraudulent, and and creating an adverse affect on my ability to secure financing. 

Nationstar ( aka Mr. Cooper ) needs to correct this reporting immediately, and assure that they remove any bankruptcy reporting from this loan, and they need to show the loan was closed in good standing. This needs to be done immediately!
Consumer complaint received 2019-07-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMO Bank, N.A. (MO)

This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new corvette.
Consumer complaint received 2018-02-21
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: EQUIFAX, INC. (NJ)

I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and XXXX have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel XXXX has violated by consumer rights.
Consumer complaint received 2019-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-07-06
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: EQUIFAX, INC. (NY)

I check my credit and I notice some accounts that I did authorize which should not be on my credit report. my identity has been tampered with, and I don't understand how this was so easy and possible for someone to try to destroy my life stealing my identity
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has a card listed on my credit as in a collection status or in a charged off status.

According to my info and the fdca reporting an account paid as in a collection payment status or in a charged off status not the paid payment status is illegal.

Also if Wells Fargo charged off the account and received funds or a tax deduction for claiming this as a charge off they should be refunding my money.

I want the accounts payment status listed as current as of XX/XX/2017 and or removed from my credit report as Wells Fargo has listed this jncorrectly as a means to purposely damage my credit and my ability to obtain loans due to their refusal to correct this even though its a violation of the fcra. Listing the payment status in notes is not updating the payment status to the follow of the federal law. Notes dont affect a positive status. What reports as still as derogatory is the payment status which is incorrect. Wells Fargo received payment XX/XX/2017 and agree to remove the account. They did not remove it and instead chose to violate fcra by reporting an incorrect payment status
Consumer complaint received 2022-07-22
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. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal XXXX XXXX UNIT XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MO)

I have tried several times to call Pay Pal and have disputes re opened that were due to payments I made to an ex merchant that corrupted my work and so I fired him, I lost all his work so therefore several e-mails were sent to Pay Pal asking them to dispute charges to this merchant. I have several e-mails I want to provide the CFPB to show you why I'm disputing these charges and you will also see the dates for transactions and you will see the threateneing e-mails I received from ex merchant. Pay Pal 's back office would not even let me speak with a memmber of Management to discuss my issues. My cases are always being denied when I have more than significant proof to back my cases up. And when I call into Pay Pal I always get a different agent and ever one of them tell me something different, there is no steady pattern for there customer service.
Consumer complaint received 2019-07-06
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. (MO)

Incorrect information reporting on my credit file due to my identity being stolen and sold on the dark web where someone has consumed my identity and the results are a bunch of fraudulent accounts inwhich I'm begging to be removed and/ or blocked from my credit data files. I'm also asking that the major credit bureaus provide me with any and all certified physical documentation for my viewing before reporting any thing via electronic Verification inwhich by consumer law can not be taken for proof of any sort, Therefore, I'm demanding that these fraudulent accounts be blocked immediately. 

1 ) XXXX XXXX 2 ) XXXX XXXX 3 XXXX XXXX XXXX XXXX 4 )  XXXX XXXX XXXX  5 ) XXXX XXXX XXXX  6 ) XXXX XXXX  XXXX  7 ) XXXX 8 ) XXXX XXXX XXXX  9 ) XXXX XXXX
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (IN)

In 2017, KeyBank told XXXX XXXX about a check I wrote to KeyBank, the check cleared so I don't know what is wrong with KeyBank my Funds come from : SSI, XXXX, XXXX  XXXX, and XXXX  Pension.this is my INCOME, I wrote KeyBank a check and it cleared
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

Wakefield and Associates are trying to collect on a debt not owed to them. There are 3 accounts listed on my credit report in the amounts of {$840.00}, {$99.00} and {$480.00}. I wrote to them to request validity of proof of services, and they returned a generic bill saying " Emergency room visit '' which I do not acknowledge.
Consumer complaint received 2019-07-05
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 recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX,  XXXX. XXXX  XXXX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Had a negative balance on card, they couldn't tell the difference between and negative or positive balance they charged me {$25.00} overdraft twice even though nothing was owed. They refunded half of the charges but still another {$25.00} was charged. They never correct it.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A. (NJ)

Of or around XX/XX/2017 I applied for a XXXX XXXX position to apply makeup for the XXXX XXXX XXXX XXXX. I NEVER APPLIED FOR A CREDIT CARD I APPLIED FOR EMPLOYMENT AND THEY RAN MY CREDIT FOR THEIR STORE CARD! During this time I was at the beginning stages of credit repair so I wasn't getting my credit ran for ANY reason! Their inquiry actually did more damage to my already fragile score at the time. I immediately disputed the inquiry by letter AND by phone. XXXX XXXX denied all of my requests. I recently wrote them a letter to remove the inquiry which they denied again.