davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
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: SYNCHRONY FINANCIAL (AL)

Fraudulent Credit card was issued by Synchrony Bank for a BP credit card with a limit of {$2400.00} on XX/XX/2019. I called the number listed on XXXX XXXX for SYNCB/BP DC C/O XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) on XX/XX/2019 and spoke with someone in their Fraud Department to report the account as fraudulent. On XX/XX/2019 the account re-appeared on my XXXX XXXX report with a balance of {$2300.00} but I did not notice until XX/XX/2019. I called Synchrony Bank again and spoke with someone in their Fraud Department and they said it was highly unusual for an account to be reopened and a new card issued and they were locking the account again. At this time I also called the XXXX, AL XXXX and opened an APD case report XXXX and filed this with XXXX  I have since received the new credit card in the mail and the billing statement that I owe {$2300.00}. So I have now been victimized twice, once by the fraudster and now by Synchrony Bank. 

Synchrony Bank contends the account is valid and verified because a {$27.00} payment was made ( not by me ) on XX/XX/2019 but the account balance is {$2300.00} and they say I owe it. XXXX says their case is closed since Synchrony Bank says the account is valid and my only option is to file a complaint with the Alabama State Attorney General and file a complaint with the CFPB. 

When filing a complaint make sure you have a police report as required by the FCRA.
Consumer complaint received 2022-07-05
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. (FL)

XXXX In Accordance with the Fair Credit act XXXX account # XXXX, has violated my rights.

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 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (TX)

I used the Wells Fargo go for rewards program for the first time in the middle of XX/XX/2018. After arriving at the website on my mobile device I found charities that I wanted to contribute too. By mistake I clicked on continuously new order. I began getting more cards than what I thought I should get. I called Wells Fargo and they looked into my account and saw that I clicked on continuously new order. After hearing this I told the Wells Fargo representative I wanted that changed and a stop to the cards. That has not happened and I have since then called Wells Fargo again voicing my complaint and the cards kept coming as soon as todays date.I want the cards stopped and points used as of XX/XX/2018 returned to my rewards program account.
Consumer complaint received 2022-04-24
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: JPMORGAN CHASE & CO. (NY)

We reserved a hotel with booking.com. In XX/XX/XXXX at 2022, I flew with my family to XXXX. We stayed at the XXXX XXXX XXXX DOWNTOWN until XX/XX/2022. Our reservation was scheduled to end XX/XX/XXXX. Unfortunately, we couldn't stayed until the XXXX. We spoke with the hotel administrator and explained the situation. They said that they were only charge us for the days we stayed with no penalties and they were going to refund what was left in our account with the remainder of the days with 5 to 10 business days. This didn't happen and i contacted Chase and open a dispute. Chase said that the dispute went in favor of the other side. Immediately I informed them I was not agree with the resolution. They open another claim and today XX/XX/XXXX, they haven't resolved the problem.
Consumer complaint received 2021-05-02
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: WELLS FARGO & COMPANY (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; WELLS FARGO BANK is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. WELLS FARGO BANK is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : WELLS FARGO BANK XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IN)

On XX/XX/2020 I attempted to use my debit card ending in XXXX and was not able to use the card. I called the bank and was told my account was placed on hold because I had tried to deposit a check into an account that I closed and it was determined to be from a closed account. The sad part about this is that the account they claimed I tried to put the check into was closed by me a month prior. I explained to the representative that it wasn't me and that the account was hacked which was why I closed it from the beginning. Well, she explained that they were closing the account anyway and that I could go to a Citibank to get my funds. I went to the Citibank closes to my home only to be told that they couldn't give me the funds because the account was on hold and they couldn't access it. I called Citi customer service again and was told that I could go get my funds. Well, that never happened. Here we are months later of calling. I called XX/XX/XXXX and spoke to someone about the account closing and again was told I had to wait 60 business days. Called again on XX/XX/XXXX, was told my account was being submitted to be closed. Called again on XX/XX/XXXX was told to call back in 48 hours. Called again today which is XX/XX/XXXX and was told that the account was still under investigation after its been 60 days. I am at a loss. They have {$950.00} of my money and has failed to give it back. They have no reason to keep this account open and are collecting interest on my money. I have called them time and time again and still no response. All I want is my money. Citibank is a scam.
Consumer complaint received 2021-05-02
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: LendUp Loans LLC (CA)

I noticed that this company is reporting a bad debt under my Social Security number to XXXX XXXX and XXXX. I wrote a letter via certified mail formally disputing the account. Per FCRA, The creditor must validate and provide me with proof that the debt is truly mine. Valid proof should include something like a contract signed by me. The FCRA gives the creditor 30 Calander days to respond and provide me with such proof. They have not. The only response I received was a letter stating they would update any inaccuracies with the credit bureaus in 45 days. This is unacceptable and a major infringement on my rights as well as Federal laws that have been broken. Furthermore, no changes whatsoever have been made. The debt is still being reported under my social security number.
Consumer complaint received 2021-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AR Resources, Inc. (FL)

I have 3 hospital bills on my credit & when I went into the hospital in 2016 they said since I just loss medicade my medicade would cover it up for 60 days! And I have all 3 bills still on my credit! Its a violation of Hippa and I want them off my credit NOW
Consumer complaint received 2022-04-24
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: The CMI Group, Inc. (NV)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Consumer complaint received 2018-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (PA)

Case # XXXX is the reference number for this. They want to resolve this by having me make a payment. This debt is around 2800.00. I can't afford that and could not go high for a settlement because I have only SSD which can not be garnished. It is my only income. They threatened to keep the judgment on me for 20 years. They are trying to ruin my life. And I have no money to give. I included what I own in last case and it's 300 or less. This is harassment and scare tactics. I am going through the cfpb to keep everything on a record to protect myself. Please stop checking my credit and other finances which are none. I even received a letter that I wasn't allowed to have a block on my credit while I was going through ID theft. You can't do that. I want to be left alone
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Media Collections, Inc (NJ)

I continue to receive calls from a debt collector " XXXX XXXX XXXX XXXX '' after telling them that I do not own the debt and after telling them to stop contacting me. But the calls continue and are non stopping.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: STERLING BANCORP (NY)

I am living in XXXX, NY, and I simply want to open a checking account in Sterling National Bank. I have visited 4 XXXX Branches in the past week, but there was no banker willing to help me at all. So I would like some one from Sterling National Bank to contact me directly to help me open an account successfully.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-02
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. (MD)

I have disputed this XXXX account for over 5 months and the credit bureaus have yet to update the status of this account. This is violating my rights as a consumer. The credit bureaus must remove any inaccurate account from my credit file. I first disputed this account because the payment history shows that I was 120 days late 2 months in a row. This is not possible and is inaccurate. The credit bureaus also have not update the status date or included any comments that this account has been disputed. This is also inaccurate and the account should be deleted from my credit file.
Consumer complaint received 2018-04-20
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: EQUIFAX, INC. (FL)

I received an alert in regards to new hard inquiries on my credit report. I immediately reviewed my credit report and had to hard inquiries from XXXX. I contacted XXXX inquiring about the inquiries providing them my social security number and they could not provide me any validation in regards to why the inquiries were there and referred me to dispute with Equifax in which I did. I receive an email today, credit report number XXXX indicating the dispute was completed and the inquiries were valid. I called XXXX again and they are stating the same things that they did not pull my credit report. I am asking for the two inquiries to be immediately removed and if you still refuse to remove, I am asking Equifax to provide me with the way they disputed and who verified, because I contacted XXXX at the same information listed on my credit report and they are claiming they do not have any information matching my social etc and they did not pull my credit report.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

A payment was sent as an ACH Transaction from my Bank ( Chase ) in the amount of {$830.00} on XX/XX/2018 to Address : XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. I have called the number on the back of the card and spoken with this department 8 times and was told, eventually, that the payment had been rejected, yet it never showed back up in my Checking account at Chase Bank. I have also spoken to personnel at the Credit Union and Chase Bank on several occasions each. The Credit Union told me it was not their problem and I needed to take it up with XXXX XXXX. XXXX told me it wasn't their problem and I needed to take it up with my Bank. Chase researched the matter and I was given a temporary credit to my checking account. After looking into the matter the credit was taken back out of my account with the explanation that the payment had been rejected by XXXX  but was not returned to my checking account. In Chase Bank 's own words, this did not " Constitute a fraud '' therefore they were not liable. This leaves me with making 2 identical payments for the same balance. I used the credit they gave me to pay off the credit card by sending the payment of {$830.00} directly to the Credit Union that issued it to me ( XXXX XXXX XXXX, XXXX, TX ). But when the {$830.00} was taken back out of my account, that left me with a deficit of {$830.00}. The original payment of {$830.00}, made on XX/XX/XXXX, that was never returned to my account, and an additional payment of {$830.00} that I sent to the CU to pay off the card. I have provided a proof of payment to the Credit Union,  XXXX and Chase Bank, but in the end, I was left with a loss of {$830.00}.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

I followed a link from a XXXX ad for a series of books. The link " Read the Series for Free with your XXXX Unlimited Subscription. I was charged {$23.00} for the series, even though the ad claimed it would be free. I attempted to dispute the charge with Amazon and had no response. I disputed the charge with Chase, the credit card company for Amazon, but they insist the charge is valid. 
This was a fraudulent " bait and switch '' advertisement. I do not want the series, and would never have agreed to pay for it. I want a refund, and Amazon to stop with the bait and switch adverstising. 
Original date of charge XXXX XXXX, XXXX. XXXX # XXXX. 
XXXX XXXX
Consumer complaint received 2022-06-26
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)

Hello, Thank you for the improvements! But I still have a damaged score because of the items that do not belong to me. I have never had anything with these companies and received bunch of inquires and collection. Tried to solve it by myself but I failed. Nobody wants to help me from those companies. Please remove these items from my report. Thank you!
Consumer complaint received 2018-04-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (MA)

I leased a XXXX from a local dealer in XXXX, MA for a 42 month term. As the lease approached end date in XX/XX/XXXX, I was told by XXXX that an appraiser would visit and assess value of the vehicle. The appraiser came about 3 wks before end of the lease and took pictures of the car and looked all over it. He did not explain anything to me about the process. He explained that I would receive a closeout statement in a few weeks. 

I returned the vehicle to the XXXX dealer. The dealer had no idea how to receive the vehicle or what information to collect or share with me. The lease hold ( XXXX XXXX ) told me to return it to that XXXX dealer. Eventually the sales manager decided to give me a mileage statement and signed proof that he had taken the vehicle into his custody. I removed the license plates and left. 

A few weeks later, Chase contact me to tell me that damage ( scratches, ripped seat fabric, etc. ) had exceeded the {$1000.00} allowance and that I was obligated to pay for additional damage. More importantly, they told me that because I had returned with not-orginal tires on the vehicle I would being charged to restore the equivalent of the orginal tires. I explained that I put the tires on in winter ( the factory installed tires were useless in snow ), and that I left the summer tires ( original manufacturer installed ) in the back of the vehicle. Chase first told me they had no record of me leaving the tires in the vehicle. Later, they changed this story to say that the tires had insufficient tread. Either way, they want me to pay {$110.00} for each of the four tire. They said the vehicle has been sold and they have no record of what became of either set of tires. 

They keep telling me that the tires are listed in the lease agreement, but I do not believe that replacing the tires with BETTER tires AND returning the original tires ( dismounted ) should make me obligated to pay for new tires. As a side not, I drove the vehicle 10K less miles than my lease agreement ( a total of about 32K ), and since half of each of those years I have the original tires on the vehicle, they clearly would NOT have been worn down. 

I have indicated to Chase that I will pay the incidental charges for scratches in paint and upholstery damage ( totaling about {$240.00} ), but I refuse to pay them for the tires. They either have to release that charge OR return at least one set of the tires. Actually, they should return BOTH sets of tires if they want me to buy new ones. 

I am being taken advantage of and I wish that they would stop harassing me.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of XXXX XXXX. Apparently they are the worse credit card company to protect the victim and help the thief. 
I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like XXXX  XXXX. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (NY)

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

15 U.S.C 1681 section 602 Ay 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 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Numerous times Equifax has deducted excessive points from my credit score when there are no negative changes. 
Twenty two points were deducted from my score due to six changes. ALL 6 CHANGES WERE BALANCE DECREASED. PLEASE SEE ATTACHED DOCUMENTS.