davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (GA)

I received a settlement check from an attorney that banks with BBT XX/XX/XXXX for {$3800.00}. I took a picture of the check and deposited it into my XXXX account. I placed the check in a folder where I keep important documents. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and discovered the check was missing. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. On XX/XX/XXXX I received a copy of the check from XXXX. The check was deposited into a XXXX XXXX ATM XX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by XXXX and BBT. I went to XXXX police dept and filed a police report Case # XXXX. After investigating the incident the detective stated he spoke to the person that deposited my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. XX/XX/XXXX I still have not received my money back. I went to the XXXX XXXX branch today and spoke to the manager again. He contacted the attorney with BBT fraud department on conference. It appears that the attorney filed the proper documents to return my money, he was told BBT deleted the case because their clients acct was not compromised. They never sent any documents to XXXX XXXX. I do n't understand how BBT did not catch that the check was presented a 2nd time almost 2 months later. And how can you just delete a fraud case and not send any documents to the other party? I want this issue resolved immediately!!!! I have fallen behind on ALL my bills because of this. I want BBT to corporate with XXXX XXXX to return what is rightfully mines!
Consumer complaint received 2017-07-13
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. (NY)

On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.
Consumer complaint received 2017-07-13
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 called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Results Unlimited, Inc. (VA)

On X/XX/17 my bank account which included exempt funds was frozen. I was never notified of impending legal action or court proceedings involving this alleged debt. Upon further investigation papers were served to an invalid address in XXXX XXXX which I was never associated with. Court also had no record of lien until X/XX/17 late afternoon. Funds were withheld prior to that. Funds held caused undue hardship as I am a single mother and those funds were child support received. I had no access to any money whatsoever to care for myself or dependent child. Collection agency also refused to verify any information about debt without me providing them my place of employment. " XXXX '' was rude and unhelpful.
Consumer complaint received 2017-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

The mortgage payment on my  XXXX   XXXX ,  2017 statement from Fay Servicing jumped nearly three times -- to {$1700.00} -- which i s due on  XXXX   XXXX . We have been paying in good faith on this home equity loan yet, unilaterally, and without warning nor explanation,  Fay Servicing cho se to more than double the monthly payment.
Consumer complaint received 2018-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I received a call at a phone number ( XXXX ) that is new to me. I 've had this phone number for less than one month. As soon as I received this phone number it was placed on the 'do not call ' list. On XXXX XXXX, XXXX at around XXXX XXXX I received a call from XXXX. A message was left not indicating who they were attempting to contact. The message indicated it was from Argon Agency that was attempting to collect a debt ( again not indicating who they wanted to contact, just that wanted money ) and to call back at XXXX and reference file # XXXX. 
There are no debtors at our number. There in no legitimate business reason for this number to call us. Please enforce the 'do not call ' list. Legitimate companies would identify who they are attempting to contact. If this is a 'shake-down ' from anyone who answers the phone ( not a specific person regarding a specific debt ) please refer to appropriate law enforcement agencies for criminal investigation.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (NC)

IQ data contacted my mother, they never sent any mail, did not attempt to contact me directly, and did not tell my mother that the call was due to a collection. Therefore I was never notified in any form as to me owing a dept, my options to dispute it or anything pertaining to verifying the debt. The only contact I had was when I reached out to them with no knowledge of who I was calling and what the matter was about and have not received anything since pertaining to this said collection. They now will not comply with my request and terminate all phone calls I make in attempts to handle the matter.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (NY)

On XX/XX/XXXX I paid settlement amounts as agreed upon by Key Bank Educational Loans using a home equity line of credit. I paid XXXX and XXXX and XXXX to Keybank to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.
Consumer complaint received 2018-01-02
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: JPMORGAN CHASE & CO. (PA)

In XXXX XXXX I opened a XXXX XXXX XXXX card which advertised an annual {$300.00} travel credit benefit. On XXXX XXXX, XXXX I used the card for a travel purchase and received a {$300.00} credit from Chase on the same day. Given it happened within XXXX I believed the credit should be counted towards XXXX and I would be eligible for the credit again for XXXX. However, after I used the card multiple times for travel purposes in XXXX I did n't receive any credit. On XXXX XXXX, XXXX, I contacted Chase about the issue. The customer representative explained the XXXX XXXX, XXXX travel purchase and the corresponding {$300.00} credit in fact counted towards XXXX because even though they happened within XXXX they appeared in XXXX XXXX statement. 
At the time of opening the account, I did not receive any explanation that a difference between the date of a transaction and the date such transaction appears on the statement would have a critical impact on how the travel credit would be applied. Such subtle difference, even disclosed clearly, would be extremely confusing for a consumer to understand and manage. Such misleading advertisement directly led to my financial loss.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

I purchased a couch through XXXX XXXX XXXX in house financing this was my 3rd large purchase with them. The sales person ran my credit under Synchrony Home credit without my knowledge and never told me I was signing anything to open up the account. I called the sales associate and he said I should have explained I was running your credit through Synchrony Home but you never signed anything its nothing I responded this is not the way you do business and It isnt nothing it is on my credit report and and Im looking at the credit card you are saying I didnt sign for. This seems to be a regular unethical sales practice done by this company by the way the sales agent was talking like its done all the time. The agent also lied and withheld other charges on my actual purchase which came out to {$1000.00} more than told.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A. (OH)

It was announced that Citibank would no longer be a Co-branded card for the XXXX XXXX chain. As soon as this was announced last year, I called Citibank. I continued to call Citibank and discuss the issue and concern I had. 

In XX/XX/XXXX, I was informed from Citibank that the card was being turned over to XXXX. XXXX also sent me a similar notice. I do not want an XXXX card. I want to stay a Citi customer. 

I called Citi to convert the card from a XXXX co-branded to another product in XXXX. They said I could n't convert it and no further info. I called again in XXXX. They said they could n't convert the card, but if I called back on or after XX/XX/XXXX, I could convert the card and stay a Citi customer. 

I called Citi today ( XX/XX/XXXX) and they inform me that they can not convert the card. I have no choice but to accept a new XXXX account. 

How do I, as a consumer, have no control with what happens to my account? An account in good standing, with a high limit, and no balance? An account that regularly sees $ XXXX in yearly spend? Citibank does n't want to keep that business?!?
Consumer complaint received 2022-10-04
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: BARCLAYS BANK DELAWARE (FL)

Received 2 charges on my bill from rocket fuel. One was for XXXX which I did make. 
The other charge for XXXX which I DID NOT make. Charges were made on XX/XX/2022. I have contacted Barclay credit card and the answer came back to me was... I use that gas station ... .I said yes that is my gas station and I use them all the time. Plus I explained I did make the XXXX. I then wrote to executive office of Barclay and never received and answer back.
Consumer complaint received 2017-07-13
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. (MA)

On  XX/XX/XXXX     I checked my credit report and noticed an address addition and a charge off debt which are not mine! I put a fraud alert to all credit reports. I contacted the company that sent the charged off debt  XXXX   XXXX , they stated that they sent the information to Equifax but it was for a different  XXXX   XXXX  and Equifax put the information of that person on my report it was supposed to go to a different  XXXX   XXXX  who also lives in  XXXX . I contacted Equifax over  20  times yesterday trying to solve this issue I even did a dispute on line. I do n't feel I should have to wait 30 days to get this resolved since it was Equifax, employee incompetence. They left me on hold and never came back to help me with my issue and now I have to send them information to prove its not me when they should do the research. The consumer that the information should go on is  XXXX   (  with  one  L )  XXXX  who lives at  XXXX   XXXX   XXXX   XXXX   ,   XXXX  MA  XXXX  they need to  contact   XXXX  XX/XX/XXXX  and  XXXX   XXXX  and verify also check social security numbers  two  different people. Remove from my Credit Report I will file a lawsuit.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Credit freezes and thawing should be free. The entire SSN system is outdated and vulnerable. In light of recent events ( Equifax breach ) the only way I can protect myself is by freezing my credit. Naturally I can not keep it this way forever and will need to unfreeze for certain purposes, at which I will be charged for the thaw. I should not be paying to protect myself because of the mistake of a large corporation.
Consumer complaint received 2015-12-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: QC HOLDINGS INC (VA)

XXXX XXXX at XXXX XXXX called me and told me that I was going to have a warrant for my arrest if I did n't make a payment on a debt from 5 years ago. They were attempting to get XXXX in total. I blindly sent XXXX dollars to these con-artist.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX 2016, two ( 2 ) unauthorised transactions for XXXX XXXX XXXX appeared on my Wells Fargo Monthly Statements. I disputed them at the XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX County, FDIC Cert : XXXX. I was given a provisional credit on my XX/XX/XXXX 2016 for only {$39.00} ( not the {$6.00} transaction ) and a letter sent stating a provisional credit had been made. No mention on of the $ 6.+ unauthrorised " swipe to pay '' app transaction -- -which my phone is n't capable of doing -- was ever made. The provisional credit was shown on the XX/XX/XXXX 2016 as provisional credit. Meanwhile, XXXX XXXX XXXX continued to accrue interest and add applicaple " payments ''. ( see attached for all three documents ) By XX/XX/XXXX 's Wells Fargo statment 2016, there was no mention of anything being made permanent, Wells Fargo was in a heap of trouble globablly and I was locked out of my online account and XXXX branch said they could do nothing. I stopped my direct deposit and left enough in the account to avoid banking fees. ( see attached ) XX/XX/XXXX 2016, I deposited {$4500.00} and spoke with Services Manager, XXXX XXXX XXXX XXXX who unlocked my online account ( short term and I noticed numerous errors in physical address, phone and account numbersbut that is another issue ), escalated the {$39.00} provisional credit and inquired as to why the {$6.00} never had been file as fraud. Another escalated ticket was issued. ( see attached ) The XXXX XXXX XXXX account as of XX/XX/XXXX 2016 was {$1000.00}. ( see attached ) Nothing has been done by Wells Fargo. No supporting documents substantiating why they refututed the swipe to pay app as unautorized, no finalised credit for the {$39.00} and {$6.00} made at the same time. XXXX XXXX XXXX has submitted it to XXXX XXXX XXXX and it is on my credit report as adverse credit reflection. ( See attached )
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MA)

I purchased a promotion item, interest free for XXXX, with my Home Depot credit card. I paid off the promotion item in time but Home Depot applied my payments to other charges I made after the promotion purchase. In other words, they applied my payments to my most recent purchases, thus voiding the promotional offer and causing me to accrue {$100.00} interest on the promotional purchase.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MA)

received a letter from synchrony bank regarding a XXXX visa card account, dated XX/XX/XXXX notifying me about a recent address change on the account that was opened by me. I called customer service department about account. they wanted info about me and I was not comfortable giving personal information to them.as I did not open a account online as they stated. And I want it closed as of XX/XX/XXXX.
Consumer complaint received 2017-07-13
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: Navient Solutions, LLC. (FL)

Student loans in my name with wrong address and amounts. I did not take out the loans and I 've explained to the credit bureaus and Navient. They are both refusing to help me correct this matter. Both companies sent me letter stating they validated my claim. without letting me know hoe, who validated the information.
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

Over the last several years I have received constant phone calls about my student loan payments, when they were due, late, behind, etc, even harassing calls. I have been told different balances owed or different dates which were contradicting. I have also been denied types of deferment and/or postponments. I finally ended up not answering the calls that came in from XXXX XXXX or Navient. That is the only option I had.