davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (DE)

I am currently driving on bald tires and with the holiday, funds are tight so I applied for the Goodyear credit card through Citibank on XX/XX/22. I was notified of immediate approval and a pop up window provided me all the card details necessary to complete the purchase. 

I did not see any fine print regarding any risk of the screen timing out, so I left it up while going through the process of selecting and buying my tires. 

I learned Goodyear is more than double the cost of XXXX XXXX  so when I got to the payment screen on tirerack.com, I realized my card information was closed out and I had no access to complete the purchase. 

I have since called Citibank division associated with Goodyear, established online account and submitted request for assistance through each option to no avail. I can't even access my card details through their secure website. What company does not allow you to view your own card details? 

When I called for assistance, I was clear with the associate on not purchasing my tires through Goodyear itself and why. The response, by phone and email, was to go to a Goodyear store with my ID and complete the purchase, and that I should be able to do the same with XXXX XXXX 

I can't purchase the tires directly at XXXX XXXX  as I will lose the 6 months 0 % APR, ( another condition that makes no sense ) and XXXX XXXX also confirmed, during a phone call, they can not access my Goodyear account information without my giving it to them, that it is a known issue of Goodyear Citibank telling customers they can do this. 

I have to wait until I receive the card in the mail, XXXX business days, not including the holiday impact. This is XXXX XXXX and XXXX to customers is not acceptable. 

As much I want to immediately close the card, I hurt myself more by doing so. However, I want others to be aware of Goodyear and its poor customer service.
Consumer complaint received 2022-12-31
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-01
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 (GA)

It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2.

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6.

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ).

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Goldman Sachs XXXX XXXX XXXX. has violated my federally protected consumer rights.
Consumer complaint received 2022-12-31
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. (IL)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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. (HI)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I was in bankruptcy for 10 years. My bankruptcy ended in XXXX, it is XXXX and Equifax is still showing that I have a bankruptcy on my file. The other credit bureaus updated my file once I got out of bankruptcy. I have been denied credit twice because of this erroneous information. I informed them that they were violating the Fair Credit Reporting Act and that they should correct this information. I called on XXXX XXXX, XXXX, they assured me I did not have a bankruptcy on my credit file. I went on line on myequifax.com and it was showing that I had a bankruptcy. I called back on XXXX XXXX and was told they were referring my file to IT to update the information. I checked on XX/XX/XXXX, the erroneous information is still showing. They continue to assure me there is no bankruptcy so they sent me a copy of my credit report on XX/XX/XXXX and it is showing a bankruptcy. 
It should not take 2 years to update there information, when the other two credit bureaus have done it already. I faxed them documentation where I was denied credit and that the wrong Info was still showing, I also sent documentation by certified mail and they still have not corrected my file.
Consumer complaint received 2022-12-08
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: CITIBANK, N.A. (PA)

XX/XX/XXXX Credit Card was hacked through XXXX. Notified XXXX at XXXX of fraudulent credit card usage. We were told once charges are pending they can not be removed except by the merchant. XXXX charges on this date involved cash advances of {$1200.00} and {$660.00}. At this time a cash advance transaction fee of {$95.00} was placed on our account in connection with these XXXX advances. 

We continued to make frequent calls to XXXX fraud center and to XXXX fraud unit to get the cash advances removed. XXXX saw obvious signs of fraud on our account which involved other credit cards for XXXX purchases and as a result of their investigation on XX/XX/XXXX they contacted XXXX and credited our account for the XXXX cash advances. I do not believe XXXX was legally required to compensate us as I think credit card companies are supposed to be the ones who are responsible for fraud. Nevertheless XXXX told us repeatedly not to worry, that if the fraud was straightened out that all associated fees would disappear. 

The credit card still shows {$190.00} in cash advance fees. We have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time were told dont worry but nothing is done, We were forced to pay the bill to keep our credit good.
Consumer complaint received 2022-09-30
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 (GA)

A fake loan company scammed be out of XXXX I told my bank ( wells Fargo ) and they gave me temporary credit but since they can only see my transaction they took the credit back and no my account is negative XXXX. The company took photos and websites from a real loan company and said I would receive a loan but instead they took my money.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank (SC)

Using my Synovus Bank debit card at the end of XX/XX/2022, a transaction was allowed through my checking account without my acknowledgment/agreement. 
I reported the transaction to Synovus who gave me several different answers between their customer service and local branch.

Over the course of several months, I was not kept up with the findings of Synovus, nor was my matter handled properly.

I was NOT alerted my temporary credit was reversed and I was charged for the fraudulent use.

I made multiple attempts at disputing this transaction and Synovus basically told me, too bad.

The level of incompetence with multiple answers and months on end for a dispute that should have been ruled in my favor a long time ago is no excuse for me losing my money I am entrusting this bank with.

Ultimately, all I am seeking is the refund of the {$69.00} to be returned to me. But apparently no one there wants to grant that to me to keep me a satisfied customer. XXXX, I will be more than happy to close my account with them and spread the word about their abysmal customer service.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

I do not have a Wells Fargo account so this is some scam. 
Yesterday XXXX texted me this - WF Alert : The XXXX USD you spent at XXXX on XXXX XXXX has been authorized. You not? Click https : XXXX to dispute. 
Now today XXXX texted me this - Wells Fargo Bank Alert : We have currently restricted your access to Wells Fargo Bank Online Banking due to suspicious activity, visit : https : //www.wellsalerts.com/? Login
Consumer complaint received 2017-09-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Globe Acceptance, Inc. (OK)

I co signed a car loan in XXXX. In XXXX, the person who was primary was arrested for drug charges and went to jail ; car was seized by the police dept and sold at auction. Remaining balance then came to me bc the origina ldebtor was in jail. I am not sure if they sued me or what happened, but my old lady friend who is now XXXX called Globe Acceptance ( mind you she isnt on the account and not related to me ) and she worked out $ XXXX payment plan. I started making payments in XXXX and have paid monthly until XXXX XXXX. In XXXX XXXX, I found out that they werent reporting to my credit on payments made and had as written off/bad debt. So i stopped the payments since it was bad debt and they original agreement for payback wasnt even between myself and the company, it was arranged by a 3rd party who wasnt asked or involved. Then they called me and the guy was super nasty mean of the phone saying they had jusdgement against me and they were going to garnish my business and take everything i had. I checked my credit and come to find out they reported me for not paying on my debt when they hadnt been reporting i was paying them. So it lowered my score even more. In the meantime, my office manager filed a dispute and asked for 6 months of payments back and we cancelled the card the automatic payment was being taken out on. Today, I called Globe Acceptance and they said {$1800.00} was refunded to my account. So i went to the bank and they told me no money had been credited to my account.They told me Globe tried to take a payment and it was denied. They reported no attempts to deposit money back to the card. So i called Globe Acceptance back and they told me that my bank, XXXX XXXX, had accepted the funds and they had my money. I went back to the bank again, again they reassurred me they dont have the money. I called Globe acceptance and they will not produce any receipt that XXXX received the funds but say it is my problem and now they added {$1800.00} back onto the original debt. Pus mind you, it is still on my credit as charged off-bad debt even though i have been paying for 4 years. XXXX XXXX insists they dont have the money and they wont produce any paperwork stating they dont have the funds. So i have paid {$1800.00} and someone has it - the bank or Globe and i am going to have to pay it all over again. I need help. They have never even went after the original loan holder, only me. It is not fair and now they are XXXX me out of {$1800.00} I dont have
Consumer complaint received 2023-01-30
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I was on a court virtual zoom call with the county regarding a case for my son. My son received a message via zoom stating it was the XXXX Attorney office asking to communicate with regards to a deal that was reached in the case. This person then called my sons phone and stated that in order for the offer to be reached and the case thrown out, we needed to send {$500.00} immediately via zelle. I stated to the individual that the clerks office typically does not ask for XXXX payments and told him I do not have {$500.00}. The individual that replied stated that before he get off the phone, I must make a deposit atleast half of the amount and that he would call me back to set up the final payment and have the case immediately dropped. This person also told me that I would receive the bond money in the same account within 24 hours if I have {$1000.00} in the account. At that point I realized it was a scam. I reached out to bank immediately and they said they could not do anything about it.
Consumer complaint received 2022-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Dave Operating, LLC (MN)

The Company is Dave Inc funded by XXXXXXXX XXXXXXXX XXXX XXXXXXXX. Dave is headquartered in XXXX CA and XXXX XXXX XXXX XXXXXXXX in TN. Dave is an online overdraft/payday loan type service. I opened an account and was caught in a perpetual loop of my bank account needing to be verified. Because of this no services were able to be provided. Not even customer support//service. AlL THE WHILE they were debiteding my supposedly unverified account MEMBERSHIP fees! No one would help me at all until I filed BBB complaint against XXXXXXXX XXXXXXXX XXXX XXXX. Dave has now closed my account but will not delete my information and will NOT stop.contacting me via email even though I have unsubscribed and Uninstalled the app. 
They do this to hundreds probably thousands of people. They just take as much from everyone as they can get away with and sell our information. I am quite sure there are a lot of people out there that don't know how to challenge them and just accepted the lose. I know there are a few for sure, I read there reviews on XXXX. You need to look into the " business '' practices of Dave. They are deceptive and conducting fraud.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC (IL)

I had a medical bill that my insurance did n't cover. It 's been over a year since I was hospitalized. In  XXXX  I noticed on my credit report that I have a collection account that I never heard off. It was the amount of  XXXX  As soon as I fount out I called the collection agency and paid the bill, but it looks like they never reported it as paid.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I requested a new debit card from Chase freedom. 
The card arrived a week later. I destroyed the old card. 
On XX/XX/XXXX, I received a text message that said a fraud transaction has been detected on your debit card. Do you recognize it? I responded NO. They said they will deactivate the card and send me a new one. 
On XX/XX/XXXX I noticed that there are a lot of transactions happening on the old card. I immediately contacted the bank and notified them ( within the 48 hours deadline of reporting fraud for debit cards ). They filed three claims. 
1.Gas station : XXXX 2.ATM : two transactions of XXXX 3. Online transactions : XXXX, XXXX, XXXX, XXXX I got a response that the first claim is accepted. 
The second claim got rejected because the ATM was close to my house address and they say the card owner had access to the physical card. 
The third one is still pending. 
I have witnesses that at the time that the card was being used I was at home. The new card is in physical possession. Chronologically, how is it possible that the first transaction is fraud and the rest of the transactions are not fraud? 
How is it possible that I got a text suspecting that this is fraud transaction, and I confirmed this is fraud but after investigations they say the thief has used the chip and it is impossible to replicate. 
I would like to know why didn't the company deactivate the old version of the card?
Consumer complaint received 2022-12-08
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: Sarma (FL)

In section 15 you sc 1681 section 602a State I have right to privacy 15 USC 1681 section 604a section 2 it also States a consumer report agency can not furnish an account without written instructions USC 1681 c A5 section States no consumer reporting agency may make any consumer reporting containing any of the following of information any other adverse items of information which in a dates the report by more than XXXX years other than records of convictions of crime in accordance with The Fair credit reporting act the list of inquiries has XXXX my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 USC 1681s-2 A person shall not furnish any information relating to a customer or consumer or reporting agency if the person knows or has reasonable cost to believe that the information is incorrect
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AZ)

I ran my credit and saw varied amounts being reported. XXXX to XXXX and XXXX to XXXX. I was able to dispute through XXXX and XXXX, however XXXX when they investigated removed. XXXX stated that they are now reporting a credit date of 2018 and a balance of XXXX. When I called Jefferson Capital Systems who is reporting the debt they advised after verification of my identity they can't and won't provide me any details about my amount owed, or why its owed unless I pay them to check my credit reports. I refused to pay them money to check my credit and requested balance of reported collections and why. I advised them I have had identity theft from the 2018 questioned year and need to find out where this balance is coming from ... they again refused to tell me information unless I paid them a XXXX and allowed them to run my credit. This is not legal and needs to be stopped immediately.