davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

XX/XX/20 {$120.00} and change of due date without prior notification of change : Citi bank credit card continue harassing for payments by changing due date without prior notifications! I have not missed any payments or owe payments. Citi bank change due day of payments from XXXX each month to XXXX of month and they sent very confusing message day after due date. I do not comprehend why this people making psychologically burden on the payments. They put me in a stress really getting to bother my daily activities .To my understanding Only reason they changed due dates send me a notification day after due date in that they try to get extra fees which is illegal and psychologically stress me out! Only reason they send the notification is that they try to make legit of illegal changing dates. Everything is on attachments
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (NC)

Wells fargo opened up a secured credit card using funds from my checking account without my knowledge. The card charged off ... and i had to settle with them because it was interfering with me getting a job. This charge off is on my credit report.
Consumer complaint received 2023-03-13
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX and # XXXX, XXXXXXXX XXXX  : # XXXX and # XXXX, XXXX : # XXXX, XXXX : # XXXX and # XXXX, XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX  XXXX : # XXXX and # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was trying to purchase three clothing items off of a seller 's XXXX  ( XXXX ). I have messages back and forth confirming he will send out immediately with tracking. I paid through PayPal, and he blocked me on XXXX, will not respond to emails, never sent the items, and will not refund me my money.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CO)

I received a credit card in the mail today, XX/XX/2020, which I believe is fraudulent. It is a Visa card from U.S. Bank ReliaCard ( Introductory letter attached ). 
Neither my wife or I ordered this card, but we recently refinanced our home and believe someone may have accessed our information fraudulently. 

I attempted to contact US Bank at the telephone number and website they gave. The website located at : https : //www.usbankreliacard.com/web/usbankreliacard/login did not provide me any information about canceling a fraudulent card. Using the telephone number given on the card and introductory letter ( XXXX ), I was unable to address my concern. First, I was asked to provide information through AI about the account. When asked to provide my last 4-digits of my Social Security number, the account indicated that I need to be transferred to a customer service assistant. I provided information for both my wife and I without success. After being transferred, I waited on-hold for 20-minutes and was eventually kicked off the line. While waiting, I received several automated voices telling me they were extremely busy and thanked me for waiting. Eventually, a final automated voice told me that I could not take the survey because it was not available and then hung-up on me. I was not intending to take a survey, nor did I ask to be placed in the survey taking cue. 

I do not know how else to resolve this issue and would like to have a response from the company. It is very difficult to resolve my complaint when I can not contact a real-life customer service assistant.
Consumer complaint received 2020-12-29
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: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/XXXX, I sent in a letter to my credit card company- Barclays Bank , to file a dispute against the merchant XXXX XXXX XXXX , for the transactions amounting to {$1000.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. This was for 24 personal training sessions that I had paid for in advance in two installments, which would total to {$1500.00}. Due to Covid-19, the gym shut down in late XXXX and has since permanently closed down. I tried to get in contact with both the local gym as well as the main corporation on multiple occasions for a refund via telephone, online forums and email. This was to no avail since they had no live representatives on the phone and other options to contact them just didnt work out. Due to that, I decided to file the dispute with Barclays Bank. 

After mailing my letter in on XX/XX/XXXX and not hearing a response back from Barclays in XXXX, I decided to contact them via telephone. I spoke to two different representatives who had informed me that the case was closed due to having inadequate information since they couldnt get in contact with the gym ( for obvious reasons since the gym was closed ). I never received a letter stating that the case was closed- so I was not very pleased. Both representatives recommended that I send in a fax with more information about the last dates of me attempting to contact the merchant and they said that sending in that letter would reopen my case. I did so one day later and sent the fax on XX/XX/XXXX. 

I received a letter back from Barclays dated XX/XX/XXXX stating that they could not give me a credit for my dispute since they are outside of the permitted timeframe to help with the claim. 

After over three months of going back and forth with Barclays, this was extremely upsetting and not the response that I had expected. I sent in my original dispute in XXXX, had them close the case without informing me that they needed more information, then I speak to representatives who had me send in another fax stating the last date I contacted the gym.. all for them to say they are outside of the permitted timeframe to help me obtain a credit? Absolutely absurd! Why waste my time to send in another fax then? This just shows laziness and unwillingness of Barclays representatives to actually help their customers. The gym has closed! It is all over their website and not even Barclays could get in contact with them.. So why is it so hard for me to receive a credit?
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (GA)

My name is XXXX XXXX and I was a victim of fraud due to PNC Bank 's inability to stop someone from accessing my account and making unauthorized transactions on my account. Please find the letter attached attempting to blame me for the fraud that occurred on my account and attempting to charge me ( the victim of fraud ) {$4400.00}. I refuse to pay for any account transactions that I never authorized and will not be paying. I would like for these charges to be reversed with my record cleared.
Consumer complaint received 2019-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

I contacted equifax regarding false information that has been reported to my credit report, i also reported the issue to the Cfpb, and it had been bought to my attention that it was reported regarindg my address and phone calls that were made stating they were me, i have ask for photo copies, and information. XXXX has the wrong information, your company stated they spoke to me and had my address, I live at XXXX XXXX XXXX, and not XXXX XXXX. i had not received. ive ask for information even regarding your investigation. I would like this to be removed off my credit.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TCF NATIONAL BANK (OH)

I have a complaint against TCF Bank. On XX/XX/2020 I visited a TCF Bank branch and upgraded my savings account to a better account in order to avoid coin deposit fees. The new account has a {$100.00} minimum. In the same visit to the bank branch I upgraded my savings account to the new account type and had the branch representative transfer {$100.00} to the account. 
On XX/XX/2020 a {$4.00} " monthly maintenance fee '' was charged. This was likely due to the branch representative transferring the {$100.00} sequentially after upgrading the account. The fee was due to representative error. 
I received a fee reversal for that {$4.00} subsequently during a branch visit. 
A second {$4.00} maintenance fee was charged at the end of XXXX, which was triggered by the prior maintenance fee. It's like this : XX/XX/XXXX balance : {$100.00} XX/XX/XXXX balance : {$100.00} - {$4.00} maintenance fee ( caused by sequential error when account was upgraded and {$100.00} minimum transfer in the wrong order, bank branch rep error ) XX/XX/XXXX balance : {$96.00} ( triggered additional maintenance fee for month of XXXX ). 

Today, on XX/XX/XXXX I called TCF customer service and requested the second " monthly maintenance fee '' be reversed. The first monthly maintenance fee had already been reversed via a branch visit. After spending over a half hour on the phone with the call center representative explaining the issue, the representative finally admitted that she only has access to 6 months of transactions. The representative said I would need to visit a bank branch in order to receive the fee reversal. I find this to be completely unreasonable. It is a long distance to any bank branch and I know that branches have very limited service. The bank representatives don't have access to transactions older than six months. The bank can not help customers over the phone with issues older than six months.
Consumer complaint received 2018-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

My Paypal account was restricted for no good reason with funds in it and Paypal won't even let me log back in. I called Paypal on XX/XX/2018 to see if I could at least withdraw my funds to my bank account but paypal unlawfully decline for me to manually withdraw my funds I left already my bank account information into my paypal account but paypal blocked my login access to my paypal account ( see picture attached ) and blocked my bill of rights of withdrawing my funds to my bank account after I waited patiencely 180 days paypal hold policy ( see screenshot attached ) or read these paypal message here : " Hello XXXX XXXX, Your PayPal funds are now eligible for withdrawal. 
You may transfer the funds directly to your bank account via online bank transfer '' ( End of quotation ) PS : I want to login back to my paypal account to do by myself my withdrawing by LAW
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (TX)

I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2020 I purchased an embroidery machine for {$10000.00} which was placed on a 48 month equal payment plan with Synchrony Bank. XX/XX/2020 a credit for an item of {$670.00} was processed taking balance to {$10000.00}. 
On XX/XX/2020 I made a purchase of {$1000.00} at XXXX XXXX XXXX Ref - XXXX without being informed that the {$1000.00} was only interest free for 6 months. 

I made an online account with Synchrony and set up autopay for the initial amount of {$10000.00} with a payment of {$220.00}. I adjusted the Synchrony 's autopay to cover my payments with a little extra. No where on Synchrony 's websites autopay do they separate the {$1000.00} as a 6 month payment with minimum payments due. They lump the amount owed together as one, as a " New Balance '' with a minimum payment shown to only cover the 48 month transaction and not the {$1000.00} which I was never made aware was only for 6 months interest free. My auto payments I made was for {$270.00} to cover my balance over 48 months. Synchrony is sneaky and not transparent as their website and statements does not show the separate balances and payments for each of their offer / programs.

I had made all my payments on time only to find that I had been charged interest for the last 3 months after setting up my auto payments as a conscience and responsible consumer.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (TX)

I started a debit card claim with citi bank in XXXX I have sense sent them all the information to process the claim. As of XX/XX/2020 I have not received a temporary credit or anti formation on the status of my claim.
Consumer complaint received 2022-10-09
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit has called me every single day starting from XXXX XXXX, 2022. They said I owed them debt, but due to the limitation of statue, they couldn't sue me or put it on my credit report. I told them to send me confirmation of this debt via mail because I do not have any debt. They call EVERY SINGLE DAY. Including during work hours. I want it to stop. Please.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

XX/XX/22 : Called Nelnet to request a refund for student loan payment from XXXX XXXX XXXX Told it will take up to 4 weeks. No confirmation email received that I requested a refund. 

XX/XX/22 : Called Nelnet to verify my request has been sent as I didn't receive a confirmation. Was told they don't send emails. Was now told the refund process can take up to 6 weeks. ( no update or heads up that it will take longer, had to call and find out ) XX/XX/22 : Called Nelnet to clarify if refund will be mailed or automatically deposited in my connected bank account. Was told it will be deposited if my bank account is connected to Nelnet. Also told only people whose refund is rejected will get an email. I confirmed again that my refund request is in the system. 

XX/XX/22 : Called Nelnet to ask about update regarding my refund. No update from Nelnet 's end. Was told it will take longer than 6 weeks now. ( Again, no update regarding processing time ) Also told how they will email if request will get approved or denied. Now they said my refund will be returned via check and not automatic bank deposit, despite calling last week to confirm. 

I asked how they were processing the refund requests as I know people who requested after the date I made it and they've already had their accounts adjusted or already fully refunded. 

Representative told me she does not know how they are processed and what order they process it in. 

The 6 week mark is coming up in 2 days and she basically insinuated calling in every day won't speed up the refund process.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Account # : XXXX Balance : {$0.00} XXXX XXXX  Account # : XXXX {$8900.00} - Charge off XXXX XXXX Account # : XXXX Balance : {$570.00} - Charge off ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00}
Consumer complaint received 2020-12-29
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. (TN)

I am a victim of ID Theft. 

Please see the ID Theft Affidavit attached for the fraudulent account, and inquiries listed on my credit report. I've attached a scan of my ID front & back for purposes of verifying me. I've also attached a NOTICE TO FURNISHERS stating you guys must do your jobs and remove all of this information. 

FYI ; on some of the inquiries some of them appear more than once and I did my best to try and list them all correctly.
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (IL)

On XXXX/XXXX/2020, I wrote to you requesting an investigation into items that I believed were INNACCURATE. Under federal law, you have thirty ( 30 ) days to complete your investigation. It has been well over 45 days, almost 2 months.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, SYNCHRONY/CARE CREDIT immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 

I was on the phone with SYNCHRONY/CARE CREDIT throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. 
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that SYNCHRONY/CARE CREDIT never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX credit score? This is not right at all!
Consumer complaint received 2019-01-04
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. (IL)

XXXX XXXX has not resolved the issue of this account. First this account is too old to be reporting my credit. It was closed in XX/XX/2011. Furthermore they are saying that I was late when I never made a late payment. This account needs to be removed immediately. 

Also when reporting a late payment, it should show when I was late. It does not.