davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (UT)

On XX/XX/2022 I purchased two {$200.00} dollar gift cards for a total of {$400.00} from XXXX. When I opened the Gift cards they had already been activated and had a {$0.00} balance. The funds were gone from both cards before opening them. I spoke with XXXX and they informed me there wasn't anything they could do and to contact the number on the back of the card. After opening the first card finding out the card had been active and the funds were gone, I decided I would film opening the second card and calling to check the balance. Once again, the card was activated and the balance was {$0.00}. I called Incomm Payments and explained the situation. I even explained I had Video of opening the second Gift Card and asked if I could send the Video or a link to the video so they could have the evidence. They were not interested in seeing the video. They informed me they would need to complete an investigation in order to process a refund. That could take up to 90 days. I filed a dispute for both cards on XX/XX/2022, as instructed with Incomm Payments ( Dispute case number XXXX ). I waited the requested 90 days, with follow up calls getting updates. I was assured this was just XXXX and I would be getting my funds reimbursed. On XX/XX/2022, I received any email with a letter attached notifying me that they were denying my claim and the case was closed. I tried calling but they said the case was closed and would not look into it any further. I reminded them I had video to prove the cards were activated and spent. They had no interest in the Video and insisted the case was closed. 

I would like to file a complaint against Incomm Payments and have the case reopened and my funds returned. I can provide the Video footage of opening Second Gift card and seeing the balance gone as evidence. I do also feel its odd the cards had all been spent at XXXX. The same place I purchased them. I do not feel an actual investigation was done. If so, I know they would have come to the conclusion the cards had been compromised. 


I Did have a case number with target but, agian they said there wasn't anything they could do. The XXXX number with XXXX is XXXX. 

Incomm Payments Case Number : XXXX Card Numbers Card XXXX : XXXX XXXX XXXX XXXX Amount {$200.00} Card XXXX : XXXX XXXX XXXX XXXX Amount {$200.00} Totalling {$400.00}
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

Made payment on XX/XX/2019 to XXXX XXXX, serviced by Synchrony Bank. 

Payment shows as 'Processed ' in Payment History, however not reflect in account balance On phone with Synchrony about their issue and asked them to add XXXX to the call. XXXX agent very helpful and told me he had fielded numerous complaints of this type Screenshot attached as of XXXX XXXX XX/XX/2019
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AZ)

U.S.Bank account number XXXX on XX/XX/XXXX there were three charges 1 for XXXX  XXXX XXXX for XXXX a charge for XXXX XXXX credit card for XXXX and protective life for XXXX which bring my account to a negative XXXX and some cents. I transferred XXXX from XXXX XXXX to make the account positive and not negative on XX/XX/XXXX and the system still charged me 3 overdraft fees for those items I contacted the bank and they said there was nothing they could do for me. I would like my overdraft fees returned to my account. My name is XXXX XXXX address is XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Inquiry XXXX I received a promotional offer to open a Citi Priority bank account and after 2 criterion had been met would receive XXXX Thank You points. I have a credit account with Citibank and the two requirements ( spending {$750.00} and setting up 2 months of autopay for a bill within 60 days ) seemed easy to meet so I decided to give it a try and move a small amount of funds to open an account. From day one there were problems -- first, my opening deposit received an error message online so I called in to make sure it wasn't processed. The customer rep told me they were sure it had not been and that I could try again. When I made a second attempt that seemed to work, I shortly after ( the next day ) received a notice from my bank that there were 2 transactions initiated. I attempted to cancel one and somehow this disrupted Citibank 's delicate and outdated system and caused my account to have a negative balance before I had even had it functioning for two days! I waited almost a week for this to be cleared up. I then changed an autopay of mine to come out of my new city account. At the end of the first month the bill came out and I had spent the {$750.00} required. I called customer service to confirm this and they told me that they could not confirm I had met the requirements but informed me that it was not as simple as setting up and auto pay " you have to add payees ''. Let me point out very strongly this was NOT what the promotional card said. It did not explain the " setting up payees '' is what is required to meet the autopay requirement. At this point I knew that Citibank would attempt not to award the Thank You points I had earned. I set up my aforementioned autopay as a " payee '' and designated that {$100.00} be paid monthly -- this setup was done WELL within the two months. If conversations are recorded then Citibank has evidence of all this via my conversations with the customer service representative. I opened an inquiry about a week ago in my local branch regarding this and received a letter from Citibank dated XX/XX/28 stating that I did not meet their very cleverly vague " bill pay '' requirements. I did meet these requirements even though I had to do my own digging and clarify the promotional card with the representative to do so. I insist on being awarded my Thank You points in entirety. I am extremely thankful I did not transfer more than a tiny amount of my funds and assets to Citibank 's care, as I see they are very dishonest. I will make sure my dealings with their " promotions '' are seen on social media and I will most definitely warn all of my acquaintances both business and otherwise of how I was scammed by Citibank.
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding (WA)

My loan servicing provider recently changed ( effective XX/XX/2018 ). Upon receipt of my first statement, 1. Not only was my current payment not credited ( {$670.00} was due according to my statement from the previous servicer, XXXX, and I paid {$700.00} ), there is another charge for " Total Fees and Charges '' in the amount of {$1500.00}. These dollar amounts don't add up. 

2. There is a charge for " Deferred Balance '' in the amount of {$2200.00}. I have paid this account consistently for many, many years and do not have a " Deferred Balance. '' I have never deferred anything on this account.

3. I requested a payoff from this company once on the phone ( XX/XX/18 ) and twice in writing. I have yet to receive the payoff quote.
Consumer complaint received 2022-06-07
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will t

ake legal action. 15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2022-06-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (GA)

They offered me a pay to delete. It was removed from XXXX but XXXX XXXX is still showing it and theyre saying it still shows when they pull up my report. I called XXXX and they said they couldnt see the debt at all. After providing some more information they saw it was deleted by IQ data. They didnt report it as pod of anything. Upon further research Ive found that pay to delete is a unethical method used by collection agencies that I was a victim too. Luckily I do have receipts of this to prove.
Consumer complaint received 2022-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I had changed my phone number and was unable to access my account online for a few months and so in lieu of online payments I submitted payments for 3 months in a row via XXXX  XXXX XXXX 's bill pay. XXXX  XXXX XXXX confirmed all checks were paid out and delivered to Bridgecrest 's billing address and cashed. Yet - my account was continuously reported late and never reflected the payments ( all delivered on time ). I reached out to them via text and email and sent letters - provided copies of the bill pay receipts/confirmation and they still have yet to correct the balance and incorrect reporting.
Consumer complaint received 2022-06-27
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

THEY ARE REPORTING INFORMATION FRom A 3rd party that is illegally They shouldnt be reporting a bankruptcy it isnt public knowledge, I notified them that they are breaking then law I notified the courts and the courts told me it is against there policy to lend information they are in violation I ask them to remove this bankruptcy from there web site and they refuse
Consumer complaint received 2022-04-24
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. (CO)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality until 15 USC1681.

15 USC 1681section 602 A states I have he right to privacy.

15 USC 1681 section 604 A 2 states a consumer reporting agency can not furnish an account without my written instructions.

16 USC 1681c. ( a ) ( 5 ) section states : NO consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (OH)

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 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (VA)

SoFi froze my account due to suspected fraudulent activity. When i tried to reach out and correct, their fraud number goes straight to voicemail and I cant get a hold of anyone for 2 days now with no access to my money. I have no way of getting in touch with a SoFi employee to unfreeze my account.
Consumer complaint received 2022-06-27
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. (FL)

XXXX accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-15
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: CITIBANK, N.A. (FL)

XXXX   HAS BOUGHT AN OLD, 15 YEARS OLD, WRITTEN OFF CLOSED ACCOUNT OVER 15 YEARS OLD AND REFUSES TO REMOVE THIS FROM CREDIT REPORTING AGENCIES AND WHEN I TELL THEM TO STOP THEY JUST SELL THIS OLD CLOSED WRITTEN OFF, CLOSED ACCOUNT TO ANOTHER COLLECTION AGENCY OVER AND OVER AND OVER AGAIN!
I HAVE CALLED THEM, WRITTEN THEM, EMAIL THEM AND THEY ALWAYS SAY "OK WE WILL REMOVE THIS ACCOUNT" BUT THEY JUST SELL IT TO ONE OF THEIR OTHER COMPANIES.
THEY ARE VIOLATING MY RIGHTS UNDER THE "FAIR CREDIT REPORTING AND COLLECTION ACT. OVER AND OVER AGAIN!
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

I have attempted several times to get this matter resolved with Discover but they continue to ignore my request. Discover continues to report damaging negative information about a debt that I do not owe to XXXX, XXXX and XXXX. I did not give Discover my written consent to report information about me to any consumer reporting agency. I informed Discover of the violations that they are committing against me and demanded that they compensate me {$6000.00} for each violation. I sent them an opportunity to cure which they have 14 days from the date the received my certified letter with return receipt. My next step will be to file a complaint in court.
Consumer complaint received 2022-06-27
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 (TX)

My personal email account was hacked on XXXX, 2022. I received a notification that my tax return was accessed on XXXX XXXX the same date. I was aware my email account was hacked because I received over two dozen emails from various companies thanking me for my inquiry addressed to a weird name. At this point I changed the password on my email address. 

On XX/XX/XXXX, I received a notification through my XXXX app that someone submitted a credit card application for a Synchrony/Amazon credit card. I called XXXX and Synchrony on XX/XX/XXXX to dispute the application on the basis of identity theft. I also received notifications this person ordered an XXXX on my Amazon account with a delivery address of XXXX, AR. I was able to cancel this order. I received another notification that XXXX cancelled an order on the basis of fraud with the same delivery address of XXXX, AR. I'm receiving more emails from various companies thanking me for my inquiry addressed to a weird name still. 

Later on XX/XX/XXXX, I received another notification from XXXX that someone submitted another credit card applications to Synchrony/Sam 's Club . I called XXXX and Synchrony to dispute the application on the basis of identity theft.
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Peterson Enterprises, Inc. (WA)

I was charged a {$180.00} copay for an XXXX visit back in XXXX of XXXX. I received a bill from the hospital billing department. I did attempt to contact the department to resolve the issue and provide them with my insurance card number, in which the representative stated they did not have on file. I was under the impression this issue have been resolved as I did not receive any further bills from the hospital. The hospital reported my debt to the collection agency XXXX of XXXX. I was served court documents from the collection agency XX/XX/XXXX. I was never given any notification that I still owed this debt. Court papers was just filed on me without no opportunity to settle this debt. I did contact the party whom has filed a lawsuit against me. I was told they had only attempted to contact me once via regular mail, NOT certified mail. However, I never did receive there notification. The lawsuit has been filed by : Peterson Enterprises , Inc. A XXXX XXXX XXXX Valley Empire Collection XXXX Mind you, at the time of the billing for this debt was during the pandemic.
Consumer complaint received 2022-06-27
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: CITIBANK, N.A. (CA)

Citbank credit card application filed in my name that I did not apply for. I was noticed XXXX, XXXX  by Citibank, then received an application denial XX/XX/2022. There was a hard inquiry to XXXX filed based on the application on XX/XX/2022. XXXX was notified of this XX/XX/2022.
Consumer complaint received 2021-07-21
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: WELLS FARGO & COMPANY (KY)

On XX/XX/2021 Wells Fargo Bank NA Opened a charge account in my name without authorization. I did not realize this happened until I saw the negative impact on my credit score from additional inquiries. After some investigation, I called Wells Fargo on XX/XX/2021 to file a dispute with this, and requested they remove the inquiry from my credit score and immediately close the account. They stated that they would reach out to me the next day, as the department that handles that sort of thing had already left for the evening. 

I did not receive a return phone call from Wells Fargo, however the fraudulent account was closed on XX/XX/XXXX ( The next day ). 

The additional inquiry is still on my credit report, causing lasting damage to by financial status.
Consumer complaint received 2021-07-21
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: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of this inquiry contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or
indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report.

Fact, nowhere in federal law is it written that a debt collector or consumer reporting agency must report any information to a consumer report regarding a consumer except under the written instructions of the consumer and I, XXXX XXXX am in fact the consumer and did not give any consumer reporting agency written instructions to report any information to any consumer report Please remove this inquiry from my consumer report immediately as it is not only an invasion of my privacy as said so by congress under the FDCPA, and FCRA, but is also causing a substantial amount of harm and inconvenience to me as a consumer
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IA)

I have a XXXX XXXX Credit Card through Comenity bank. Their website has been down for several days and their customer service phone lines are also down. I am unable to pay my bill because I can not access my account at all. I reached out to them on XXXX and they responded with a generic apology message for the inconvenience. It provided no information about when my account may be accessible and if I will be penalized for my payment being late as a result of their system being down.