davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-04
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: BARCLAYS BANK DELAWARE (NY)

Good Day, I disputed two transactions with Barclay Mastercard ( both for the same merchant : XXXX XXXX ). One was the amount of {$2500.00} and the other for {$2200.00}. The total amount of {$4700.00} was for 7 nights lodging in a gated community known as XXXX XXXX in the country of XXXX & XXXX. Upon arriving to XXXX on XX/XX/19, we discovered that the place promised by the merchant was not the same place they were trying to give us. The new place was in a different area that we deem unsafe and also did not have the amenities like a pool that we really wanted. We decided not to stay there and got lodging elsewhere. Transaction was disputed with the card company. Card company provided me with the credit for both transactions, however returned the balance of {$2500.00}. Upon speaking to a representative they told me to send a letter to the company explaining that although the terms and condition stated non refundable, it did not state if the place we paid for wasnt available another place would be provided. I did that. After doing so another representative told me to send in proof showing another place was provided. I did that. After doing that they told me that credit could not be returned because of the non refundable notation. I advise that that also stated on the invoice which would be considered a contract was the neighborhood XXXX XXXX and also that we would be provided a 3 bdr, 2.5 bath, with a pool and that was not given so the contract should be void. The remaining {$2200.00} has not been returned to my account at the moment as a balance. I was told it takes 45 days for the dispute to be finaled ( even got sent a letter stating so ) but now they're telling me I have to wait 90 days and im stressed and uneasy about something that happened months ago.
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

Synchronicity Bank aka Care Credit has been handling my account in an unethical manner and I need assistance as they refuse to communicate with me to find a resolution. 
I opened my care credit account because of some urgent dental work that I needed done. The account I opened was a no interest for 1-year account. In opening this account, I received no mail, email or calls. This went on for a couple of months, to the point where I took initiative and reached out to them. They treated me very poorly in this instance and I was merely trying to handle this credit responsibly and avoid any interest. Even after this call I still received no communication. 
I reached after several more months, at which point I spent several hours on the phone as this organization had apparently entered my address, email and phone number in correctly in their system. Giving me no way to respond to or pay for this bill. I had to go to great lengths to have everything sorted out as to avoid any additional payments because a good portion of my 12 months with zero interest had run out by this time. 
Once this was settled I placed them on my auto bill pay through my XXXX bank account. Even though bills werent due until the end of each month I set up my account to pay at the beginning as to further ensure that I avoided any additional fees. 
Having never experienced any issues with a merchant that I paid monthly in this manner I assumed my account was set. However, I noticed on my most recent statement that the principal wasnt decreasing. I called on a few occasions and couldnt receive assistance because of their lengthy call time waits. 
Today, I was finally able to put in the time to wait to sort this out. I was informed for the first time ever that they were charging me a late fee because I was paying my bill each month 2 days prior to them posting my statement. Essentially, I am being penalized for paying my bill too early. So, they have now assessed me several hundred dollars in late fees because I have paid each month early. 
I requested to speak to a senior supervisor as the customer care agents ( who operate out of XXXX ) were thoroughly uncaring about this unethical and refused to help me. I was refused an opportunity to speak to a supervisor and I am now reaching out to the XXXX as I need help with this extremely unfair and unethical business and their crooked practices. 
I spoke to agent XXXX XXXX ID # XXXX today and I explained that this would be my recourse given their unwillingness to do the right thing. 

I simply want this company to do the right thing and remove the incorrect late charges on my account. I believe this totals {$340.00}. I want my billing adjusted accordingly. And if this has in any way impacted my credit I want that rectified. This would include notifying credit reporting agencies and providing me with documentation that proves that this matter was a mistake on their part and that anything on my record should consequently be removed.
Consumer complaint received 2022-07-10
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # 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 instruction
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (CA)

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage damage.
Consumer complaint received 2022-07-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 2018-09-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a dispute with Bank of America ( Claim # XXXX ) over charges made to my credit card by a company called XXXX XXXX XXXX, that the Federal Trade Commission along with the Minnesota Attorney General has shut down as a scam. The merchant charged {$490.00} on XX/XX/2018 for a 3 day workshop I attended on how to sell and make money on XXXX. At that workshop they convinced me of an up-charge offer of an education and assistance program to become a successful XXXXXXXX XXXX. On XX/XX/2018, at this workshop, they charged my Bank of America credit card a {$15000.00} deposit for their program, which costs {$34000.00} total. But on XX/XX/2018, I received a partial refund of {$5000.00} because they needed to lower my debt to credit line ratio so that I could acquire a few more interest-free credit cards to make my full payment to XXXX XXXX and start my XXXX XXXX XXXX. So Seed Capital was utilized for getting me other lines of credit. However, before I could even get all the funding together and start the XXXX training that was offered by XXXX XXXX, the FTC shut them down on XX/XX/2018 as an illegitimate scam operation. I then opened a dispute against the charges to my credit card account with Bank of America. They gave me a deadline of XX/XX/2018 to provide verification. A week before that date, I mailed to the bank a 2-page letter explaining everything, and included all the documentation I could gather, which consisted of the XXXX XXXX contract pages with the services they offered and the length of time for their services, and I sent a copy of the FTC injunction against XXXX XXXX that shut them down. On XX/XX/2018, Bank of America denied my dispute claim for a partial refund of the XXXX XXXX charges. Their reason was that I did not submit a cancellation letter from XXXX XXXX. I am unable to get such a letter from them because they have shut down all operations and are not responding or receiving any phone calls, letters, or emails. In addition, Bank of America rejected my dispute stating that they will not give me credit for services that the merchant has scheduled to provide me at a future date. This is not even possible now that the FTC and Minnesota Attorney General has shut them down completely. Even if the merchant were to somehow beat the injunction against them, the fact that the XXXX gave them an F rating tells me all I need to know that this is a scam operation. I have wasted hours of my time and money to try to get this resolved in my favor. I have asked the FTC to please provide to Bank of America some other proof, like a cancellation document, that XXXX XXXX is closed down by them, but I don't know if they will do that. My FTC Complaint Number is XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

Hello! How are you? Hope you're doing well today. Thank you for reading this. There is some incorrect information on my report, I believe it is because I share the same name as my father, and have some of his addresses on my report for some reason. I would like the following credit inquiries removed from my account. I do not recall authorizing these hard inquires, I want them taken off immediately please. I share the same name as my father, and have some overlapping information on my report that is his, like addresses, etc. I will take care of that in a separate report. For now, please remove the following inquiries from my report : Two inquires from XXXX XXXX  ( requested on XX/XX/year> & XX/XX/year> ). Two Inquiries from XXXX XXXX ( requested on XX/XX/year> & XX/XX/year> ). Two Inquiries from XXXX ( requested on XX/XX/year> & XX/XX/year> ). I would also like to request that two delinquency marks be removed from my report. From XXXX XXXX XXXX XXXX. I believe these to be errors, as I have always paid on time, and / or communicated with customer support as to when I will make a payment.
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I fell victim to a text based phishing attempt that eventually ended up with me being defrauded of {$22000.00}. 
The text appeared to be from Chase and involved me replying to the text saying No to a supposed wire transfer attempt. A person claiming to be a Chase XXXX XXXX member called immediately and through the process ( for which there are a lot of details I can provide ), I ended up wiring {$22000.00} to the fraudster and Chase couldnt get the wire recalled. I continued to contact Chase, explaining the reasons why my situation should be investigated, and their canned reply was that I would have to pursue the matter outside of Chase. The recipient bank of the fraudster, XXXX XXXX XXXX wanted a Hold Harmless letter to send the funds back, but Chase XXXX have one. 

Where my complaint comes from : 1. Chase didnt immediately lock my accounts. This has been their normal process and when my mom tried to send me a XXXX payment for {$5000.00} to cover a mortgage payment I could no longer afford due to the fraud, Chase ( her bank, also ) immediately locked her account and declined the transfer until she called them and gave permission. 

2. I received an email that the fraudulent transfer had been initiated, followed by an email that the transfer was canceled. Thats what I would expect. 
However, 2 hours later I received another email saying that the wire transfer had been processed. 

The stated wire transfer recipient is me, but spelled XXXX XXXX. This is due the fraudster manipulating me via phone to submit the wire transfer. The recipient was listed to be me. In the body of this same email, it later says that the recipient is XXXX XXXX. This is due to the recipient field being pre-populated with XXXX recipients via a drop down menu, of which one was XXXX XXXX. I always thought I was wiring myself to recall the transfer. 

XXXX. Ive spoken to so many different Chase reps, XXXX visits to the local bank and via secure messaging with multiple internal teams and my case was closed XX/XX/XXXX with me being out {$22000.00} with no recourse other than to take them to arbitration/sue for negligence. 

Chase not only failed me by their internal processes failing and/or not being followed, but failing to detect what is an obvious breach of my online account. Subsequently, Chase also showed XXXX effort to investigate what actually happened because the transfer was initiated by me, even when I told their wire team exactly what happened. 
They couldnt even provide a letter that possibly would have gotten me my money back
Consumer complaint received 2022-07-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This is the follow up request Dated XX/XX/2024. I see that until now I dont receive any responses about information on my credit report which is incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance XXXX : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX XXXX Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2022 I closed my checking account with Chase bank on the phone via their customer support and was informed that a check would be issued for my remaining account balance of {$720.00}. 

On XX/XX/2022 I received a statement from Chase bank for the closed account ; the statement showed that the account had been closed on XX/XX/XXXX and that a check had been issued for the remaining balance of {$720.00}. 

Starting XX/XX/2022 - I have spent over 6 hours on the phone with Chase customer support as well as 1.5 hours at a physical Chase branch location trying to have a new check issued. 

Their customer support representative told me that while their records indicate a check had been issued, no check number or dollar amount is available. Each time I call the customer support line, I am transferred between the same 3 - 4 departments until I am either hung up on or transferred back to the main customer support switchboard. 

I have not been informed of any path to resolution apart from being informed that they are " investigating the issue. ''
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Revenue Corporation (TX)

I have been contacting these people whom hired a collection agency called United Revenue Corp. They have been mailed letters trying to validate the debt for about 36 months. I have sent their collection agency over 15 letters trying to get this debt validated and so on. Spoke with someone on Wednesday of last week and was going to call me back. NOTHING! I have never had such blatant fraud in my life. I am sure the doctors are fantastic of which I do not recall meeting. I am considering speaking with the following agencies to get this matter into the hands of someone whom is capable of following the law. The law requires them or their representative to respond to writing with in 30 days. As such if a company is representing you in a collection matter their behavior becomes an extension of your organization when it comes to behavior.

I don't really care about the stuff being on my credit but I do care that these two companies feel it is acceptable to disregard the rights I as a consumer have  been given. So by Friday I will be speaking with the following agencies who are more than willing to help me and resolve this matter since I have been unsuccessful at trying to amicably do so. I am confident this company may be committing or engaged in fraud. Or the collection agency is ... ... They clearly have zero regard for the FDCPA, HIPPA, FCRA or the FBPA. I have that on RECORDING in a conversation with their collections manager.

Texas State Medical Board Texas Attorney General Texas Department of Health and Human Services Federal Trade Commission - complaint on United Revenue Corp Consumer Financial Protection Bureau Texas Health and Human Services Medicaid - Might be important for someone to review their billing practices XXXX XXXX / XXXX XXXX - Might be important to know their billing practices Texas Governor 's - Office of Financial Responsibility XXXX XXXX XXXX XXXX XXXX XXXX One of their collection agencies under contract explained to me that they get 50 % of every dollar they collect as a few for their services. This is also why they do not care about helping fix inappropriate things or so on. Its also why they do not care about helping the consumer. I have the whole recording. It is about 11:04 minutes. I am well versed in the law as I am an extremely well versed consumer in the ways and regulation of law concerning debt collection and validation practices. I am also a VERY litigious consumer with a track record of winning. I look forward to explaining my case should this matter NOT be resolved immediately without any further delays, period.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (RI)

TD Bank 's stated policy is as follows " For personal checking accounts and money market accounts with check access : When possible, transactions are processed in order of date and time, most closely reflecting the order in which you transacted. 
They appear in your Account History in the same order that they occurred, beginning with the most recent. 
These transactions then impact your Today 's Beginning Balance in the morning, when overnight processing completes. '' TD bank however does NOT follow this stated policy when it comes to direct deposits for payroll. Typically, employers release payroll direct deposits to the respective banks at least 2 days prior to the actual payday. If TD Bank is following their above stated policy, then they should process those direct deposits in order on the date and time they are actually received. TD Bank does not do this .... They HOLD those deposits for as long as 2 days until the actual payday. This is in direct contradiction to their stated policy of processing in order on the date and time received, and only serves to enrich TD Bank with additional overdraft fees when other transactions are processed ahead of the direct deposit that they are holding, even though they in fact have received the funds. 

This is harmful to consumers.
Consumer complaint received 2018-09-04
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. (SC)

I have tried with Equifax four times to clear up a discrepancy on my credit report. I had a home loan XXXX bank that was past due in XX/XX/XXXX, this loan was service transferred to XXXX in XX/XX/XXXX. The problem is that when creditors pull my credit report the report is showing up XXXX past due as of XX/XX/XXXX. When I first tried to refinance my house this loan was showing XXXX days past due as of XX/XX/XXXX, I filled a dispute and it changed to XX/XX/XXXX, I filled another dispute and it changed to XX/XX/XXXX. I have spoken with Equifax many times on the phone about this and still nothing. The bank I'm trying to refinance with has also tried to get this corrected. 

Please let me know how I can fix this, every time I try to correct this with Equifax my credit rating decreases and the situation gets worse.
Consumer complaint received 2023-01-11
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions