davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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, XXXX XXXX, am submitting this complaint on behalf of myself without any assistance form third parties. I spoke with Equifax on the phone in response to their failure to properly report accurate information. They are not reporting 100 % accurate data as required by FCRA and are violating 15 USC 168s-2 ( b ). They did not conduct a proper reinvestigation with the furnishers of the information. I have also spoke to XXXX XXXX XXXX XXXX and they told me different information than what they are reporting to the CRA 's. I told them it was inaccurate, they are now aware that there are errors on the consumer report, which is a violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). This inaccurate data has been damaging to my entire financial profile. I have been denied extensions of credit, car loans and business loans.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has charged me overdraft fees multiple occasions on items that have already hard posted on my account even when I still had small funds remaining on the account. 

When I ask them about the fee they are hesitant to reverse the fee and give the excuse that items that are still pending caused the item that has hard posted on the account to put me in overdraft. 

One instance was :XX/XX/2019 : Item A for {$9.00} hard posted on the account from XX/XX/2019. That is the only transaction for the day and the end of day balance is {$.00}. 
XX/XX/2019-XX/XX/2019 : Item B for {$10.00} is pending. Multiple cash and money transfers between WF accounts with the same account holder totaling {$50.00} is pending to cover transaction. 
Balance : {$40.00} pendingXX/XX/2019 : {$35.00} Overdraft charge for Item A insufficient funds. 

I have called multiple times about this and they always give me the excuse that the pending transactions are affecting the balance to cover the already hard posted transaction which makes no sense. 

I would understand if I get overdrafted for a pending transaction and if I didn't make multiple deposits to cover it but for me to get overdrafted over something thats already posted on the account and with my account still in the negative before the overdraft is ridiculous. Not only that, but the fact that they always try to make up excuses on how they went back to charge me for something thats already posted on the account and for that account to have money in there is no excuse. 

This has happened multiple occasions and I've let it go multiple times but enough is enough. The way they structure their fees is borderline illegal and I feel like I'm being milked my money! 

With Wells Fargo being in deep waters with all the fraud going on, I'm surprised they're not doing due diligence to make sure things like this don't happen.
Consumer complaint received 2019-05-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (MA)

I was mailed a letter from Rent Recovery Solutions LLC in reference to a debt, I read the letter and responded within 30 days, upon checking my credit report i notice a negative item on my report stating i owed money to a company which was put on my credit before i got a response back. I was never notified by the collection company that i didn't have to do business with them. ( this a form of Extortion ) I tried to get a validation of the debt and received a letter with no signature of mine which is not an official verification.
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (IN)

I'm not too sure what will come of this but a friend recommended I give it a shot. I don't have exact dates at this point in time but I'd be happy to provide those in a follow-up, or just resubmit the entire thing if I need to. 

My relationship with Synchrony bank started back in 2019, I had applied for a line of credit for XXXX store financing and was approved. 

They did not, however, actually create a log in for me to make my payments, they told me that I'd receive login credentials in the postal mail. As a result of this, I didn't actually receive any credentials in the mail for over 90 days. During that time synchrony was charging me late fees unknown to me at the time because I did not have access to see or pay my bill. 

It was eventually discovered that they didn't even send the credentials in the first place and a customer service representative had to generate them for me. They were kind enough to remove the late fees due to the failure on their part, they did not fix the impact this had on my credit score.

Now they have damaged my credit score once again. Apparently it is their policy to terminate my account after 2 failed payments. The first of which was over a year ago, the second was just a few days ago. Both of these were rectified the second I was notified of a failed payment, and records show payments for them posted the following days. 

I understand policy, I understand that I may have signed something that notified me of this policy, and I understand that they must follow said policy if it does exist. 

What I do not understand is how a financial institution as big as synchrony is allowed to play these games with people 's credit score and do nothing to correct their mistakes.

There are countless other issues I've had with them in regards to Paypal credit as well, they closed that account in a similar fashion, tanking my credit score, and many instances of unjustified late fees that they admitted were mistakes. 

Maybe the most recent incident is on me, but considering what they did when I first opened the account, and all the issues I've had with them on my old PayPal account, I am very frustrated that I now have to recover from yet another negative mark against me from this company.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2022, I responded to a solicitation from JPMorgan Chase Bank, NA to apply for a United Airlines credit card. I submitted my application and after waiting several months I never received a decision letter. I spent hours and hours on the phone with various JPMorgan Chase Bank, NA representatives. I was transferred over and over and over again. No one was able to help or provide information. I continue to receive solicitations from JPMorgan Chase Bank, NA to apply for the same credit card. It is disconcerting that JPMorgan Chase Bank, NA has no regard for the Federal Equal Credit Opportunity Act. As a XXXX XXXX, I am concerned that I facing discrimination from JPMorgan Chase Bank, NA
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NV)

The cable/internet company XXXX XXXX has attached an account in collections that is not mine but belonged to a previous resident at my former address. My account is current. They refuse to remove the delinquent account off my credit report because my former address was the same as the other account.
Consumer complaint received 2021-08-30
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: GOLDMAN SACHS BANK USA (CA)

This problem has been ongoing since XXXX, I have had to open multiple disputes through Apple credit card ( goldman Sachs ) and every time I open disputes, they ALWAYS favor the merchant ( XXXX ) There were multiple unauthorized purchases on my card through XXXX, XXXX helped with most of them besides one order that was {$1400.00}. My credit card issuer Goldman Sachs is saying that the dispute keeps favoring them no matter what evidence I give them.

I really want to sue or something, I have no idea what to do now. Goldman Sachs wants me to pay them the full XXXX no matter what. I did not make this purchase through XXXX. 
Order was made on XX/XX/XXXX, and I had to open like 10 disputes already through them. 
XXXX said they cant refund it because my account was closed or suspended ( because it was hacked ) but no idea why they wont help at all. 
I do not plan for paying this AT ALL. 

If you need proof of anything, let me know please
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA (AL)

15 USC 1692e any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and 15 USC 1692f any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. 15 USC 1692a Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692B ( 4 ) ) The advertisement for sale of any debt to coerce payment of the debt.
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

On XX/XX/XXXX, i received a letter from XXXX XXXX XXXX trying to collect a debt for a bank called XXXX credit card. On XX/XX/XXXX, i then sent a letter explaining that the debt had been paid in full according to my knowledge, i requested a debt validation of which they refused to respond instead on XX/XX/XXXX XXXX XXXX sent another letter demanding me to settle the debt without validation. The account was put on XXXX XXXX in XXXX of which the statue of limitation has expired in XXXX to collect a debt in California.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

I opened An account with Citibank XX/XX/2022 my initial deposit was {$600.00} for some reason Citibank decided to close my account Shortly after In XXXX stating they had the right to close accounts at their leisure which was fine with me. I was then alerted via email that I will receive my funds that were in the Account in 60 to 90 days, it is now XXXX and has been XXXX months and I still havent received my check in the mail. I reported Citibank to the XXXX XXXX XXXX  afterwards, I actually received a call back from a representative stating that she apologized for my inconvenience and assures me a check will be to me soon. Nothing ever arrived and Since then, Ive reached out to Citibank on several occasions, their customer service reps only transfer me and transfer me and eventually when no one can tell me where my money and they refuse to escalate the call enough times I get hung up on. I dont know what to do at this point but I dont have money to just give away. I opened this account to build my credit and financial stability unknowingly putting my self in this compromising position which Inevitably put me in even more debt. I just want my money back
Consumer complaint received 2022-10-15
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. (WA)

This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXXXXXX XXXX It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX : XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account # XXXX Equifax : XXXX XXXX Account XXXX : XXXX XXXX
Consumer complaint received 2019-05-06
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. (NY)

XXXX Card was reported on XX/XX/XXXX via XXXX. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant. 


Also, XXXX XXXX was reported on XX/XX/XXXX via Equifax. I was being told its bern removed, but its not. Ive sent out a letter to Equifax since XX/XX/XXXX, but nothing has changed ever since.
Consumer complaint received 2022-08-23
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. (CO)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

The following Alleged Charged off Account XXXX is being reported inaccurately and needs to be deleted. 
The credit reporting agency failed to furnish the date of the last activity, and various other data fields are left incomplete. The amount charged off is lower than the balance and past due balance which leads me to believe this data furnisher applied additional charges to the account after it was " charged off '' delete immediately!!!. 

The date of the first major delinquency ( XX/XX/XXXX ) is contradicted by the date of last payment ( XX/XX/XXXX ) and the Payment Status Codes for the date of XX/XX/XXXX ( A month after the alleged date of first delinquency ) is 1 Which means the account was either paid on time or not more than one payment past due. The Date close is Allegedly XX/XX/XXXX but the Payment history calendar Scheduled Payments section shows Schedule payments for up to 3 Months after this account was allegedly closed Equifax is in violation of USC Title 15 1681b " accuracy of the report '' and USC Title 15 1681i 5 1-2 " Treatment of inaccurate or unverifiable information delete immediately.
Consumer complaint received 2021-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (GA)

When you are making purchases PayPal Credit pops up online and tells you no interest if you pay by a certain short term time, like 6 months. 
This is not true, as you need to pay the entire balance off to receive no interest or payments. total interest XXXX was XXXX if this is true, then its not offered or explained so you can meet these terms. 

Also, PayPal Credit allows you to go over your Available Credit -- it seems, and then it reports you to the Credit Bureaus-when it lowers your credit line -- saying you are over your credit line. 

Bait and Switch -- Have me Overlimit ( approved the credit then they reduce available balance ) Or they are reducing your credit line after they provide it. 
This is synchrony Bank and not PayPal. 
You can not reach them during the business day. They put you through their auto voice to preanswer questions. 
They do as well with their Care Credit card. 
I plan to pay these off and then cut them up -- Others I know have also reported them for doing this as well. Provide Credit then lower the credit line when they choose to, then saying you are over your limit and charge you fees. There should be a law against this, sure it is Bait & Switch.
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

contacted XXXX XXXX  after dispute was filed with XXXX XXXX XXXX, was notified by them that XXXX XXXX needed authorization before proceeding contacted XXXX XXXX to provide the authorization that requested to investigate the account, when tried to reachh XXXX XXXX they failed to offer me authorization, investigate the account acted as if they knew nothing in which they told XXXX XXXX XXXX
Consumer complaint received 2019-05-06
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. (PA)

I received a notification from XXXX XXXX stating that my personal data may have been compromised. I investigated this and found that my information was involved in 9 different data breaches between XXXX and XXXX. As a result, I changed my XXXX XXXX password as this was all I could do.
Consumer complaint received 2021-08-30
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: JPMORGAN CHASE & CO. (FL)

I have recently seen a fraudulent credit inquiry from chase bank on my credit report, with no recollection of giving them authorization to access my credit. Please assist with removing this inquiry off my credit report.
Consumer complaint received 2021-04-20
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: JPMORGAN CHASE & CO. (TX)

hello, I have been disputing this debt " chargeoff '' for over a year plus. This account has many " inaccuracies '' first I disputed the verification using section 609 of the fcra verification process asked for the company " to furnish a physical signature '' that legally tied me to the debt ''. I did not receive any documents, proof of signature, etc. The disputed items came back " verified '' with no proof. second round I disputed the same asking for more info about the investigation, same response as before. In the third round, was online I disputed the inaccuracies with documentation showing the inaccuracies first the " date of last activity '' was different in each bureau meaning the account was re-aged, which is a fcra violation. ON XXXX and XXXX " came back as updated but nothing has changed '' XXXX was the only bureau that did an actual investigation and deleted the account due to inaccurate reporting. On the fourth round, I sent a dispute asking the bureau why nothing has changed and also that " the account is reporting monthly activity after the account has been closed '' showing charged off continuously, which is another violation. Once again the item came back as verified as accurate.
Consumer complaint received 2021-09-16
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: WELLS FARGO & COMPANY (CA)

Wells Fargo ceo, XXXX XXXX, is advising his subordinates to improperly investigate the employee who delayed processing of my payment which was a bank error and has caused an incorrect reporting that I paid late. The employee vowed to correct her mistake and never has. XXXX XXXX has continued to direct his staff to ignore this matter after their incomplete investigation and continue to only send me scripted impersonal correspondences that are completely dismissive and insincere.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 I tried to use my debit/master card and it was declined. I attempted to call Citibank 's central number and they indicated that they could not identify me because the information on my account did not match the phone number, address and email address that I was giving them. Therefore, I went into the branch that has known me for over 20 years and discovered that my account had been hacked and taken over by someone else. The events that they undertook are as follows : XX/XX/XXXX : Somebody ordered a new card over the phone and requested a " Fast Card '' delivered to an address in New Jersey. Please note that I live in California. 

XX/XX/XXXX : Somebody Called and changed the pin number on my existing debit/master card via a customer service agent. 

XX/XX/XXXX : Somebody, changed the email address on my account to XXXX XXXX XXXX. This is not my email address. This was performed over the phone with a customer service representative. 

XX/XX/XXXX : Somebody changed my email address via access to my account to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Again, I live in California. 

XX/XX/XXXX : Somebody changed the PIN on my debit/master card. They also went into my online account and moved money from three different linked accounts into the account associated with my debit/master card. 

XX/XX/XXXX : The debit/master card that was ordered to be delivered to New Jersey was used to withdraw {$1000.00} from an ATM in New Jersey XXXX There were XXXX transactions, XXXX being {$400.00} and two being {$100.00} each. 

Again, I discovered that my bank was emptied on XX/XX/XXXX when I tried to use my card. I reported everything to the bank and they performed an investigation. After several weeks they declined my claim because they said that I testified that I always had possession of my card. I argued that they gave a new card to somebody in New Jersey, so they filed an appeal for me, which was subsequently denied for the same reason. I spoke to a supervisor on the third attempt who again filed an appeal, which was also denied on the basis that it lacked credibility. I don't understand how the fact that they sent a card to another individual XXXX miles away lack credibility. 

I am hopeful that you can help me bring this to a conclusion and recover the {$1000.00} that was taken from my account due to Citibank 's lack of proper verification of identity. 

Thank you