davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

on XX/XX/XXXX i contacted XXXX XXXX regarding unauthorized transaction that i had not made. They had no customer representative the time i called before that and instructed i call in the morning. leaving my card vulnerable. i have had a hard time to communicat with them regarding my dispute. i have no business with the merchant who has charged my card for XXXX dollars and an estimate of almost XXXX charges made. XXXX had been notified on the XXXX of XXXX but failed to close my card or issue me a newone. to my knowledge i was under the impression that my card was not useful and i disposed of it. on XX/XX/XXXX and XXXX of 2019 i logged into my account and saw that i had been charged by the same merchant even after i had notified amex about this issue. i called that day and asked why has my money been jeopordized and not taken serious and why i wasnt told that i wouldnt be receiving a replacement or block on my card. that night th representative hung up the call and i was tired just got off work and had no time to call back again. i did call two days later and i went through a confusing process to get to even speak with customer service. they give no option to speak to anyone even when pressing 0 so i choose the stolen card option but only sends me to general customer service agent and i have to explain and be verified just to be told the dispute department is closed and call during business hours. i filed a compaint with the XXXX XXXX XXXX XXXX and was advised to file a rebutta but i received last night on the 45th day a denial until XXXX pm. stating via email i have been rejected fof my dispute and to call customer service for copies. i had requested document statements and i never receivee them. i need help to get this to thr right depsrtment they took almost XXXX estimated dollars that i have been robned for
Consumer complaint received 2019-04-12
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, someone illegally obtained the card of an authorized user on my account. They then spent roughly {$1200.00} at XXXX XXXX, XXXX, and XXXX XXXX. On XX/XX/XXXX, I noticed the fraud and immediately called Chase for protection services. During this call, they asked whether I had the cards. Either through misunderstanding or - more likely due to my XXXX - mishearing the question, I responded that I did. Subsequently, they denied the claim of fraud, and insist that I am responsible for the fraudulent charges. I have appealed the dispute multiple times with Chase, attempted to correct the record in terms of the erroneous information on the first phone call, and have even provided police reports related to the theft of the card from the authorized user, knowing full well that filing a false police report is a felony. Despite the evidence provided, Chase 's response is that there is insufficient evidence to determine the fraudulent charges were, in fact, fraudulent. Despite insistence that I am protected from fraud, Chase refuses to acknowledge that a card was taken and used for invalid purchases. When pressed, they insist the response to a single question on the initial call - which, I might point out, took place over the phone despite the fact that I am XXXX XXXX impaired - is the only factor leading to this decision.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I unfortunately became the victim of a check cashing scam back on XX/XX/XXXX19 due to a loophole in Bank of America 's check cashing system for long time customers, when a brother & sister approached me & asked if I bank with Bank of America, & after I responded yes, they asked if I could help them out & cash a check in the amount of {$4700.00} because the sister was desperate to make her rent ; sympathetically I said I don't think the bank will cash this, they'll probably put a hold on it ; I asked the teller if it if it would be ok to cash this check when I only had around {$50.00} in my account at the time, he told me it was without checking with anyone else there & that there wouldn't need to be a hold put in place. On XX/XX/XXXX, I had a notification that my account was overdrawn {$4000.00}, & the following day after my tax return had been direct deposited, my balance sits at - {$2800.00}. After getting a copy of the check on XX/XX/XXXX, which turned out to be stolen company check, I was told Bank of America allowed me to cashed it & didn't put a hold on it because I had been a long time customer ; I said I would be willing to pay this back but they said it would have to be for payments of $ 400+ every 2 weeks, in which I responded that I don't have any financial resources to meet that commitment. I filed a police report who were shocked that the bank allowed me to cash the check. I had to tell them it was because Bank of America said I was a long time customer & so apparently I can cash a check in a large amount without question. I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX, I finally received a response in a letter on XXXX saying that while they were sorry this had occurred, but due having signed a contract back in XXXX, they would deny my claim for reversing the fraudulent charge & that my account would be closed if it was still negative by XX/XX/XXXX. Now as a person who lives paycheck to paycheck, I don't have the resources to pay this back before this goes to collections without being financially crippled.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: INDEPENDENT BANK CORP. (MA)

On XX/XX/year> I went to Rockland Trust at XXXX XXXX with a friend. The teller introduces us the Rockland Trust has a promotion. If you open a checking account and use a debit card for XXXX times and any amount during the sixty days. You can earn {$200.00} bonus. I asked the teller " you can use the debit card even {$1.00} or less '' The teller said that to me " YES and any amount. '' Since I opened the check accounts and use more than XXXX times during the sixty period. I meet the requirement. Two-month later I still did not get the bonus. I went to the bank, the teller told me '' I should talk to the manger. The manager was not here now. I leave the phone number. The manager had not called me. I went to the XXXX branch more than XXXX times. The manager was never in there. Finally, the teller told I have to use the debit card for minimum for {$15.00}, I said the " you told me before. I can use the debit card any amount. '' He faces just turned red. I have the witness. The Rockland Trust employee such behavior which I believe was unfair.
Consumer complaint received 2019-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (NV)

On XX/XX/19, I received a call on my cell phone from a woman working for XXXX XXXX XXXX ( XXXX ) asking to speak to my husband. I asked the woman what the call was in reference to and she stated it was to collect a debt owed by my husband for a XXXX XXXX XXXX account. Knowing that my husband doesn't have an account with XXXX XXXX XXXX and that he had received a similar debt collector call the year before, I advised her that we had never received anything in writing regarding this alleged debt and I asked her to provide me with more information about the amount owed. She told me that she'd give me that information if I could provide her with my husband 's address and social security number which I refused to do and told her to never contact me again. 

After this phone call, I contacted my husband to explain what happened. He told me he had the same conversation with this agency a year ago and the person he spoke to admitted that not only do they not have our mailing address, but they also do not have his social security number. The person demanded that my husband give him this information over the phone before the person would provide him with the alleged amount owed. We checked my husband 's credit reports from the three bureaus and he does not have an account with XXXX XXXX XXXX and there are no late payments or any collection activities on any of his accounts. We have surmised that this debt collector is a scam. 

On top of this, ever since the agency contacted me, I have been receiving 7-8 telemarketing calls every day even though I am on the do not call registry. I sincerely believe that this agency has sold my contact information without my permission. 

I looked online and I believe that this collection agency was recently purchased by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX, NMLS # XXXX, XXXX, XXXX XXXX XXXX I do not have an account number associated with this debt, as none has been provided to me but the woman I spoke to was able to look up the account using my cellular phone number, XXXX.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — Store credit 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 (OR)

Was given a gift card by daughter for JC penney hair salon, XXXX Oregon {$40.00}. Had my hair cut XX/XX/2019. Charge was XXXX, had them give the other XXXX as tip along with XXXX cash. They took the gift card and are now billing me for {$40.00} for hair salon services on my credit card. At no time were they even told or shown my credit card with JC penney. Should not have even known I had one. Have reported and am getting no response as to them taking this charge off my statement. Looks to me as if they kept the {$40.00} gift card and pocketed the money and now billing me for {$40.00}.
Consumer complaint received 2018-09-06
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: WELLS FARGO & COMPANY (ID)

In XX/XX/XXXX I was approached by a Wells Fargo worker at a county fair who started to talk to me about college and credit and such. When talking to her, she advised that Wells Fargo offers a college credit card that accrues no interest while I am in college. I was excited because that would help me with my financials and my credit score. When I went into the branch, I was verifying what she told me and she said that I would not accrue interest on the credit card while in college again. In XX/XX/XXXX, I found out I was lied too and that interest started to accrue after 6 months. I went into the branch near me and called multiple times. They only reimbursed about {$100.00} and stated nothing else could be done. I believed them. I just found out on XX/XX/XXXX that it is against the law to lie about terms to get people to sign up for bank products and that I was lied to again. I want true repercussions regarding this issue and the lying
Consumer complaint received 2023-08-20
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective Credit Reporting Agencies my identity theft affidavit. I have never authorized or given my express written consent to any third party affiliate Credit Reporting Agencies to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates (NC)

Prince Parker and Associates reported a negative trade line on my XXXX XXXX credit report on or about XX/XX/XXXX for {$190.00}. 

This was for a co-pay for XXXX XXXX XXXX XXXX XXXX, a medical provider. 

I had no clue I owed this bill. My credit was 850+ FICO score before this scumbag collection agency poisoned my report. 

Apparently, the original creditor was sending notices to my old address. I spoke with XXXX at XXXX XXXX and he confirmed this. XXXX also spoke to XXXX at Prince Parker & Associates and confirmed notices were being sent to my old address. 

While I have zero qualms with paying what I owe, I was never given the statutory right to dispute this debt and when I tried to resolve it today ( XX/XX/XXXX ) and spoke with XXXX at the agency she basically hung up on me refusing to delete the incorrect trade line. 

The problem is I changed my address with XXXX XXXX when I moved and due to their error they never changed it in their system. They as much acknowledged this. 

Now, I am in a point where I will have to hire legal counsel to sue both the practice and the collection agency if this is not immediately removed. The FDCPA as well as numerous state statutes were violated by not allowing myself time to make good on this debt I didn't even know. False reporting and threatening and communicating knowingly false information to a consumer reporting agency is actionable in court and I will not hesitate to sue the collection firm for how I was treated when they could have done the right thing.
Consumer complaint received 2018-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive noticed activities of debt collection from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$460.00} opened on XX/XX/2016 which was not me.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I tried to access my consumer report on Equifax and I could not, instead I got a code saying XXXX  meaning to send verification docs. I sent these docs via certified mail tracking number XXXX which was received in XXXX, GA XXXX XX/XX/year>, XXXX XXXX  today is XX/XX/XXXX and I called and spoke to a XXXX at Equifax XXXX ID XXXX. They are stating that they lost my personally Identifiable information like my social security card and Drivers license and credit card statement identifying that it was me. I'm not what they are doing over there but I would like the CFPB to make some type of judgment on this situation here, they get away with too much.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My Experian account was hacked by an identity theft. They utilized my social security number birthday and numerical number on address to hack my account. I called to get access to my account. Its impossible to reach a human agent on the phone. The automated system is ridiculous and requires not much information to get into the system. The system they require is what identity thefts have already stolen.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp. (MD)

XXXX XXXX - Received Letter about debt from XXXX, XXXX, XXXX and XXXX XX/XX/2019 - Received Letter about debt from XXXX, XXXX, XXXX and XXXX about second debt XX/XX/2019 -responded with request for validations of debt to both letters XX/XX/XXXX - Received letter notifying me a lawsuit, case # XXXX had been filed. 

Left numerous messages for process server and attorney to meet them to receive the summons or have it sent certified mail. Told them I was not interested in dodging summons and wanted to know what it was about. 

Made additional request verbally for validation of debt because they never sent anything. 

Served with Summons on XX/XX/2019 As of XX/XX/2019 nothing had been sent in response to my letters. It was " in the mail '' they said.
Consumer complaint received 2022-11-30
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. (AR)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that 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 2019-04-12
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: EQUIFAX, INC. (GA)

I checked my credit score status in XX/XX/XXXX and it shows a closed credit card account from XXXX  XXXX XXXX. I have never opened a credit card, checking or savings account with them so I called their 1800 number and they couldn't find me in the system with my SSN # but they found me with my name last name and date of birth with a different social security number I dont recognize because it doesn't belong to me. The ssn # I provided when my information was being verified didnt match with the one they have in their system. I dont understand how is going to affect my credit if they dont even have my SSN # in their system, Why they didnt report it using the ssn # that person used in XXXX?. I wasnt even living in XXXX back in XXXX I came from XXXX XXXX in XXXX. 
This only was reported to Equifax, It was never reported to XXXX or XXXX. I have been submitting several fraud disputes with Equifax since XX/XX/XXXX and every time the dispute gets completed they state that XXXX XXXX XXXX is saying that the item belongs to me. How the Item is going to belong to me if XXXX doesnt even have my SSN # and every time I call XXXX they state that it shouldnt have been affected my credit score because my social security number was never used to open an account with them. My SSN # is not being used to open accounts with credit card companies or banks, only my name and date of birth was used to open the account with XXXX.. 
I dont think Equifax is trying to help me. Every time I talk to agent from Equifax they sound like they dont know what they are doing and also they can never answer my questions. 
This is affecting my credit and I need to get this resolved.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I have a promotion credit card with XXXX XXXX XXXX XXXX. The promotion is 0 % interest for 36 months. Each month I owe {$91.00}. In XX/XX/XXXX and XX/XX/XXXX I paid my monthly payment by the XX/XX/XXXX of the month. Each time Syncrony Financial charged me a late fee of {$39.00} because I paid too early, according to them. They said that I paid before my statement period ended, which ends on the XX/XX/XXXX. So they applied two payments to one month and then charged me a late fee of {$39.00}. This happened twice. I was able to call on XX/XX/XXXX and they waived the late fees as a " courtesy '', but I hardly think this is a courtesy and I'm worried this courtesy will end. This seems fraudulent to charge consumers a late fee when they are in fact paying their bill early. There are no instructions that say I can't pay before the XX/XX/XXXXof the month.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BARCLAYS BANK DELAWARE (NY)

They were harassing me in a very inappropriate way and disclosed the info to a 3rd party without my consent. Lastly, they put a freeze on my account even after advising them that I don't owe the debt. I also advised them that I have a financial hardship and that the funds are exempted even if I would've owned it. They were already promising me to release the hold but didn't fulfill its promise. Obviously, they were misleading me to avoid that I request an order to show cause to remove the default judgment.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (FL)

Walmart 's servicer attempts to force users into optining into phone calls, text messages, and emails through their servicing website. 

If you visit : https : //walmart.syf.comXXXX   There is no way to remove your cell phone number, or to " opt out '' of allowing them to use auto dialers, and to text you, at anytime. If you try to delete the your phone number it says : " At least one phone number is REQUIRED ''.

Also, there is text that states : " You authorize Synchrony Bank to contact you at each phone number you have provided. By providing a cell phone number and/or email address, you agree to receive account updates and information, including text messages, from Walmart and Synchrony Bank. Standard text messaging rates may apply. You also consent to Synchrony Bank ( and any other owner or servicer of your account ) contacting you about your account, including using any contact information or mobile phone numbers you provide, and you consent to the use of any automatic telephone dialing system and/or an artificial or pre-recorded voice when contacting you, even if you are charged for the call under your phone plan. '' I do not consent to this policy, but there is no way to remove your phone number. I have never given this permission, and it is impossible to login and access the website without giving them this consent.
Consumer complaint received 2019-05-05
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: CORELOGIC INC (FL)

On XX/XX/2018 XX/XX/2018. XX/XX/2018 XX/XX/2018 Credco ( XXXX loan ) Phone XXXX pulled a hard inquiry on my credit without my authorization