davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ProCollect, Inc. (TX)

My identity was stolen on or around XXXX XXXX, XXXX. It was used to acquire a loan or furniture from XXXX in the amount of {$4500.00}. I attempted to work with XXXX to make them aware that the account was indeed fraudulent, but they refused my police report because I would not send them a copy of my credit report ( I did not want them to have my personal information in the first place, they are not a trustworthy company and I do not want them to have my personal information ). I then contacted XXXX and gave them the evidence that they asked for ; XXXX then deemed the account fraudulent and removed it from my report as did XXXX and XXXX. Ever since the fraudulent account was opened I have been harassed by XXXX, up until XXXX of XXXX when XXXX sold my account to a collection agency who has now begun to harass me. The collection agency, Procollect Inc, has now added a collections account to my credit report.
Consumer complaint received 2016-09-01
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NH)

I missed a payment by oversight. When they called, I told them the date I would pay. I paid the required amount on the date I had told them. However, they continued to call me. i paid on Friday XXXX but they called me 7 times on Sunday XXXX. Each time I answered the call it hung up - robo calling harassment. They called me three more times on Monday and eventually had someone on the line when they proceeded to ask me awkward questions for someone who is a working professional caught on the phone in their office.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

I am a card member of a Sam 's Club XXXX XXXX XXXX. XXXX of the main reasons I signed up was because they offered XXXX XXXX XXXX XXXX as stated on Synchronys website ( pages 3-4 ) https : //samsclub.syf.com/essimages/cs/groups/ess_webasset/dualcard/@sams/en/pdf/ess034819.pdf The benefit states : Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone You must charge your monthly Eligible XXXX XXXX XXXX bill to your Covered Card. 

Coverage for a Stolen or damaged Eligible XXXX XXXX XXXX is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is {$800.00} per claim I fulfilled my part to charge my monthly mobile XXXX service payments to this credit card. Therefore, I was under the impression that I was insured by XXXX so I canceled my insurance with my carrier. 

However, when I tried filing a lost phone claim on XX/XX/2022, I called XXXX claims department and they denied my benefits because they said the issuing bank, Sychrony Financial canceled this benefit and to direct the claim to them. When I reached out to Synchrony on XX/XX/2022 they pointed the finger back to XXXX for canceling this benefit. Both parties said they cant do anything about this. 

When I escalated this call to a manager at XXXX on XX/XX/2022 and explained my predicament, she hung up on me. As a consumer I feel deceived, frustrated and defaulted of a valid claim of {$800.00}. 

On the on the lost phone coverage even though it was clearly stated on the benefit guide. Both sides claimed that the other party should cover it. After long waiting and calling time, it remains unresolved. Synchrony call agent hang up on me. I am very disappointed about the advertised benefit and how it was handled when it is needed. 

The benefits are still currently posted on Synchronys website as of XX/XX/2022 for this coverage. They did not send me any communications to notify me this benefit is no longer provided. This is deceptive advertising and hurts consumers.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Experian is reporting information which they claim they 've verified but when confronted about their procedures have failed to provide any further information. On XXXX XXXX, 2016, I disputed a XXXX account. I did not recognize the account nor the information on it. On XXXX XXXX, 2016 they sent me back a report claiming it was verified. So on XXXX XXXX, 2016 I sent a method of verification letter to Experian while at the same time I sent the XXXX XXXX XXXX XXXX a XXXX request ( letter was mailed on XXXX XXXX, 2016 ). I sent the letter Certified to make sure it arrived on time. tracking # XXXX. It has now been more than 25 days since Experian received the letter & over 30 since the XXXX XXXX XXXX XXXX has received theirs. The FCRA has strict rules which apply to the publishing personal information. They claim to have verified the account in question. I challenge them on all their merits. If the facts are accurate & this is truly my account. Then other questions arise ... How does an account display a 90 day late without first publishing a 30 & 60 day late previously to the 90?. This information just on its face is inaccurate & needs to be removed. Additionally, since neither the credit reporting agency ( CRA ) nor the date furnisher ( DF ) have done their due diligence & provided me with any information which substantiates their position then I believe their investigation procedures were flawed. As a consumer the FCRA is in place to eliminate any CRA or DF from not adhering to the law. I believe not one person reviewed my file & just used the automated credit dispute verification ( ACDV ) forms, thus making the possibility of error even greater. I would like this matter resolved immediately as there are severe & gross violations taking place with my report. And this matter has caused me great emotional & now financial stress. Please remove this item from my report at once ...
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

In XX/XX/2022, I took advantage of a 0 % interest rate for XXXX  months with XXXX. I balance transferred {$3000.00} from my XXXX XXXX credit card to XXXX. Then in about XXXX weeks I noticed the XXXX was on both cards. The XXXX was up XXXX. The XXXX XXXX still showed the full balance. I called XXXX. They said that XXXX XXXX list the payment and was never cashed. XXXX said they put a stop payment on the check and issued a new XXXX check to XXXX XXXXXXXX. Then I received a notice from XXXX  I was over my credit limit snd my credit score was decreased. I gave credit monitoring. So XXXX XXXXXXXX cashed both XXXX checks sent. Now Im over in XXXX  and have lost sbout XXXX points in my credit score. No one at XXXX  will help me get this fixed. I want my credit repaired and XXXX sent back to XXXX XXXX. Please help!
Consumer complaint received 2024-05-20
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. (CA)

This is my 2nd complaint against Equifax. It has been over a year and this issue has not been resolved. I have been trying to pull my credit report and it always comes up there is an error. They finally asked me to send info via USPS which is the most non secure form of verifying info. I sent the info several times only for them to tell me that the papers were blurred. That is impossible as I checked several times. I have re-sent the paperwork yet again and now they are saying there are some form letters incorrect so there is still nothing that can be done. Each representative I get has a different response. My next step is to file a formal lawsuit against Equifax as this is not acceptable customer service to continue to get the run around about my credit. All of the other bureaus have figured it out so I am unclear why Equifax can not.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

This account is from Macy 's which shows previous late payments from the company. The late payments that reflect on the account are from XX/XX/XXXX, and XXXX thru XX/XX/XXXX. It shows 30 days and 60 days late. The payments were during a COVID-19 pandemic where the company offered me a forbearance due to financial hardship nationwide, with ZERO negative reporting. I took advantage of the forbearance that was offered, however, the late payments are showing on my credit files. 

As of today, my account is current.
Consumer complaint received 2022-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This dispute is in regards to a vehicle XXXX XXXX XXXX XXXX that was sold to the car dealer on XX/XX/XXXX. At this point, ownership rights were transferred to the new owner and the bank was paid in full. There were never any late payments made on this account while the vehicle was in my possession. 
The bank XXXX Bank of America ) is stating that there are XXXX late payments made on this account for XXXX and XX/XX/XXXX. This information is incorrect. 

I have attached the odometer statement that was signed by myself and the car dealer at the time the vehicle was turned over to the dealer.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

called credit card for kohls and wanted explanation for high APR and protected balance interest. I never authorized this insurance for protected balance and yet getting charged. Pay on time and pay more than minimum amount and APR high. Requested removal of Protected balance customer service could not explain or remove. I have excellent credit and see no reason for this insurance. I pay XXXX per month and only XXXX is applied to balance interest total each month is XXXX or so.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Chime Financial Inc (NY)

So I open a chime XXXX  bank debt card and XXXX XXXXr card XX/XX/2024 And they have not reported that I have an account or any payment activity or history to experian also delay reporting to XXXX and XXXX so they are a month apart.
Consumer complaint received 2022-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XXXX we tried purchasing tickets on XXXX for a local event we sent her the money and she told us to wait that she was Sending it now then XXXX XXXX pass by and she blocked our profile so we contacted her using another profile to give refund back and she kept blocking us we called the bank since the charge was pending the lady on the phone didnt seem to care and told us we had to deal with it on our own when We heard that people who get scamed get there money back and wast able to do anything about but my other family member got scammed by her too and he was able to get his money refunded quickly and I really need something to be done so they dont scam anymore people and I really need that money back
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (NC)

A credit agency are making inquiries on my credit record every month since XXXX of 2015, The name of the company is Credco. This company was hired by a mortgage company by the name of XXXX XXXX. 'I need this to stop '', My credit record score has been going down every since I inquired about a mortgage loan by XXXX XXXX. I need all of Credo INQUIRIES off my credit record.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

Equifax blocked me from accessing credit history, it 's verification list auto loans and bank accounts I never had and then block me from accessing account claiming information does not match, there is obviously identity theft of my account I am not familiar with any car loan or bank account they try to verify prior to providing access to my credit report
Consumer complaint received 2024-04-12
Product: Credit 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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2022 I became aware that I had been a victim of identity theft. Someone had hacked my XXXX account and had purchased american express gift cards on both my blue and gold American express cards. I immediately contacted american express as well as the XXXX XXXX XXXX Crimes Division and then filed police report. 
The Gold removed the charges, the blue card said i had been scammed. The exact same items were purchased on both cards, yet the blue card, refused to remove the charges. I contacted experian regarding the dispute, and they have ruled in American express 's favor, which I think is ridiculous. How could the exact transactions be treated differently?
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I started a case about Wells Fargo, see case XXXX, but Wells Fargo denied my case saying that in the fine print somewhere in their paperwork that it stated that the credit card they gave me ( that I never wanted or asked for ), that it would be used for overdraft coverage. But there are two things that are still wrong. First, I set up a Savings account and a Debit Card Savings Account and specifically asked them to use those two savings accounts to cover any overdrafts in my checking account or debit card account. I have my personal accounts set up at a credit union that way and they work great for me. So I was lead to believe that these accounts would cover my XXXX checking accounts. Secondly, Wells Fargo mislead customers like me because the Credit Card transactions and amounts were not on the main customer web site. You could see my checking account, my savings account, the debit card checking and the debit card savings account. A year and a half later when I finally figured out they had been using the credit card account without my knowledge, they told me I could go in and reconfigure the web page to see the credit card. This is very misleading and seems like a ploy to push credit cards and then load them up so the bank could make interest on any type of fee or overdraft transfers. This is not right, they ended up charging me {$160.00} in fees for {$150.00} in transfers. Every time they did this, I had plenty of money in my SAVINGS ACCOUNTS. There never should have been any reason to use the credit card. To make it more confusing, they would transfer money from the savings accounts periodically, but not all the time as I had requested. I am sure someone had some sales goals and they just wanted to make money off the credit card interest. The top guys with Wells Fargo should go to prison for what they did and the XXXX people they fired should get their jobs back because they were just following orders. I left Wells Fargo and went to another bank. I have my savings accounts set up to draft any kind of protection to my checking or debit card checking accounts. The new bank I am with now, gave me a debit card and a credit card and if I use the credit card IT SHOWS UP ON THE WEB PAGE so it is fully transparent and there is no " sneaky '' credit card fees or transactions that I am not aware of. At one point when I finally figured out what was going on, I brought this to there attention and they did n't seem to care at all. Now I started case number XXXX and again after sending out letters saying they were looking into it, they sent me a denial letter stating that somewhere in the stack of paperwork they made me sign in order to open the account, there was a line that gave them permission to do this, even though I specifically set up the savings accounts and specifically requested that they use the savings accounts and HAD MONEY IN THE SAVINGS ACCOUNTS. These bankers should go to prison.
Consumer complaint received 2024-04-07
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 a purchase for {$300.00} was made to XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' was purchased for {$220.00}, a little prior to store closing. 

After returning home with the item, it was unable to be used due to the size of the product being extremely too small. We attempted to make a store return on XX/XX/2023, right when the store opened and was told that they wouldn't accept it due to having an exact item Exhange policy or all sales final.

Nothing was disclosed to us upon purchase of the items being final sale. Additionally, I find it unreasonable that customers must blind sightedly purchase items at that cost and hope for the best on size, etc. They need to provide floor samples, or replicas, something so that purchases are not made blind sighted. Additionally, make your customers aware of your return policy on items that are that much.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NJ)

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
WF BANK NA Account Number : XXXX Date of open : XX/XX/2020 Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX, I received my bank card for Chime bank and called to activate my card. Chime is not safe at all nor do they adhere to FDIC regulations. There needs to be justice for me, to say the least. I have submitted multiple police reports : Incident # XXXX from XX/XX/XXXX ( the day I filed the dispute that was denied and the same day the {$920.00} unauthorized XXXX XXXX went through ). I was on the line with the dispute department when they told me that {$8400.00} was withdrawn from my account which was unauthorized. I filed a dispute on XX/XX/XXXX and on the exact same day I filed a dispute, Chime let another {$920.00} be withdrawn from my account by the same person who hacked my Chime account even though I called and verified my identity with Chime over the phone and spent about an hour on the phone with them going over all the unauthorized charges on my account. These charges include but are not limited to : XX/XX/XXXX XXXX {$920.00} to affluent {$35.00} XXXX to XXXX  XX/XX/XXXX XXXX $ XXXX they definitely need to investigate this charge. 
XX/XX/XXXX XXXX {$500.00} to XXXX  XX/XX/XXXX XXXX XXXX {$310.00} XX/XX/XXXX XXXX   : XXXX {$560.00} -- This one I proceeded to call XXXX to investigate and they gave me an address in XXXX XXXX , Florida where this package was fraudulently sent using my card info and billing address. 
XX/XX/XXXX XXXXXXXX XXXX {$1600.00} - No idea how I could have a physical card in my possession and this charge could have gone through. 
XX/XX/XXXX XXXX {$70.00} and {$85.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX $ XXXX This is a very important charge because they would've needed to link a driver 's license to this app in order to book a room with XXXX and Chime looked over this information. 
XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$200.00} $ XXXX I have been trying to find the identity of who used my card on XXXX XXXX  to find the culprit but Chime has done nothing and refused to communicate with me because my email was hacked. Banks without actual live XXXX phone support or actual bank tellers shouldn't be legal. Chime is owned by XXXX and they aren't even a real bank. All that the frauds had to do was hack into my chime app and then they had access to all of my funds without my knowledge. Chime still owes me the {$920.00} remaining in my account that was supposed to mailed via check last month ( haven't received anything ). They refuse to recognize my email was hacked and they refuse to send or mail any supporting documentation as to why they denied my dispute that was obviously not me. I was in Arizona when these charges occurred and I have provided my flight ticket.Chime Bank has refused service and deserves to be sued. I have all the documentation. I am just collecting my information at this point in order to get the most retributionas possible.
Consumer complaint received 2015-11-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

The bank I have a checking and saving account with Santander charged me XXXX separate charges for overdraft fee when the account was not deficient. 
They chose to process debits before the credit which was deposited 3 days prior. 

this is a common dishonest practice and I want the XXXX back!
Consumer complaint received 2022-02-10
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: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems Inc. on XX/XX/2022, has furnished a collection tradeline on my XXXX, XXXX, XXXX XXXX XXXX Files without Validating the alleged debt properly. They have not supplied documents and supporting files. 

Validation and proof of claim of the disputed debt is requested in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the FAIR CREDIT BILLING ACT, 15 USC 1666 et seq. All of which work in conjunction with each other, including the TRUTH IN LENDING ACT ( TILA ) 15 USC 1601 et seq
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

An account that was opened in 2014 is still on my report and its on there twice. At least 2 accounts should have been gone but there are reports on each one. One will say closed and the other ssys an amount and I've disputed them and its still there. One is XXXX XXXX the othe other is XXXX Then i have 3 vredit cards that i couldnt pay because of the pandemic. Also my car loan is paid off and it does not show that. Aldo there there are hard inquiries that i did not make. I think someone is fraudulently trying to get credit cards in my name.