davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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. (MI)

Checking my credit report today and I noticed some accounts open that Im not aware of as you know posting anything on my report without my consent is against the Fair Credit Reporting Act and it should be removed immediately I have a Ftc report attached for more details. I just wan na better myself in life dont put all this stress on me.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XXXX  XXXX of this year, I tried to pay someone on Venmo and they gave me the wrong user name. Venmo apparently can't help me and the person i sent the money to wont give it back. The user name the gave me was " XXXX '', but apparently the correct user name was " XXXX ''
Consumer complaint received 2024-03-04
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

So my mother bought a vanilla gift card for me for my XXXX  and get on my feet. I was trying to get small items and make a purchase getting stuff i need. I've noticed when i tried to make a purchase it wouldn't go through and that i had to wait for 3-5 days and that if i wont to buy the stuff asap i can call the card number. So i did and contact the sales reprensantive that my card not working, she seemed irritated and said wait fr a week. I was nervous and just okay whatever. On top of that, to check what was wrong, i tried logging in vanillagiftcard, com/balance it wouldn't let me log in!!! No matter how many times I tried it wouldn't let me get through to login into my account to check the balance. So i had to call instead to check to tell me the balance. So the next day i went to a grocery store to buy some food, I couldn't pay!! So i called, it told me that it's been swiped out and spent at out of state when i live in XXXX California and got this card through via a grocery store. I was panicking and crying because this money is to help me established my testing coverage. I contacted them and gave me a dispute form to fill out and signed but in my intuition and looking online how people have XXXX of dollars taken away and don't get a refund, I really can't have that especially in the brink of homelessness. So i appreciate it so much if i for sure get my money back especially i have nothing now.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (AL)

I purchased a XXXX pre paid card to pay some bills. I then tired to get the account closed and refunded for the money on the account. They missed the address up on the account and sent the check to the worse address after I gave them the correct address multiple times. They then stated that I would have to wait 7 days to void the check that they messed up and wait any additional 14 days after I had previously waited 14 days to receive a check. I havent received and communication or emails from them. I was put on hold for over a hour. They also stated that they could not expedite me my money.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to check my credit score and I see that I have a credit card debt I only have one credit card I dont have a BANK OF AMERICA CREDIT CARD SOMEONE IS DOING FRAUD AND IT IT MESSING WITH MY CREDIT
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NC)

I have a XXXX XXXX XXXX credit card with American Express. On Friday, XX/XX/XXXX I received an email from Amex telling me my payment to a vendor was declined. I was not close to my credit limit, so I logged in to my Amex account online. I saw a message telling me my account had been suspended. I called Amex and was told they suspended my account because I was working with a debt resolution company. Nothing could be further from the truth. I have never even spoken with any such company. 
I asked the representative to tell me what debt resolution company claimed I was using their services and was told that Amex doesn't have that information. I pressed further and spoke with agents and their supervisors in multiple departments and continued to be told they did not have the information. I asked how they received information about my credit from an anonymous source! Nobody could give me the information, nor could they explain how the report came to be. 
I was very upset, thinking my identity had been stolen. Between all of the calls with Amex and researching my personal credit report and paying for a business credit report, I wasted hours of time and still had no answers.Amex said they would submit a request to review my account and try to reactivate it, but it could take seven days. Meanwhile, none of my vendors are being paid.I also have to get a new card, so I'll waste more time changing my account number with all of my vendors. 
I called again today ( XX/XX/XXXX ) and was connected to an agent who reactivated my account and told me it was an internal error at Amex. This is completely unacceptable. They disrupted my business during my busiest time of year and created significant distress for me personally due to my suspicion of identity theft.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 at XXXX XXXX  I deposited {$6200.00} into a Bank of America ATM at XXXX at XXXX XXXX XXXX California, The ATM machine gave me an error and told me to write in the amount of money I deposited and then it printed a slip with {$300.00} deposited into my account and saying that it apologize for the inconvenience and create an issue required that will be attached to your transaction. I have talk to the electronic claim associate but they have not solve my issue
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (FL)

In XXXX I opened an account with Net Credit to get access to a cash advance. I had begun repayment to this cash advance and in the month for the month of XXXX I fell behind on my payments and needed to catch up. I had then decided to repay the past due balance, but the representative at the time misinformed me of the proper process to repay that exact balance and instead had me pay the amount that was current on the account. I then expressed my concern and disappointment I had in Net Credit as they failed to take any accountability in the management of my account. This event would then lead to them putting my account delinquent on my credit and has been so since then. Fast forward to XXXX of XXXX I was able to pay off the entire past due balance, and get my account positive, and since then I've approached Net Credit on multiple occasions about the error they've made in the management of my account. On my XXXX report it now shows that my last payment was in the month of XXXX, and that I began missing payments in the month of XXXX. What's frustrating now is that on my XXXX report there's not only the absence of this account, but nothing for the Net Credit on file at all. On the final credit bureau XXXX contains a file for Net Credit, yet they claim I never made a payment for XXXX, and that I missed a payment starting in XXXX and not XXXX like XXXX suggests with their report. Attached I have the reports for all three agencies, and I now plan to get all three credit bureau reports matching with 100 % identical and information as this is my right as a consumer. Per the laws set in place I know that this account presents problematic information as it not only is contradictory to the first claim of being 100 % accurate, but it also contradicts the claim of being fair as it shows information on one report that isn't replicated and matching to the other two available.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I received a money order of XXXX on XX/XX/XXXX. My money was not made available nor any portion of my deposit. I called multiple times and was told it would be held 7 days. It is XX/XX/XXXX and my funds are not available and accd to Chase it won't till XX/XX/XXXX.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

I received an email from Discover, whom holds one of my several credit cards requesting me to sign a document giving them full access to go to the IRS and get my personal information. 

After talking to multiple family members, a family attorney of ours, all of whom have had credit cards and a discover card for decades. I was advised against providing this information. 

The initial email said I could contact Discover to find alternates. When I called, the rep was absolutely useless and all she offered was to escalate so a manager maybe would give me a callback. 

Nobody ever called me. 


I was also told if I didnt comply with their bullying tactics, theyd close my account and Id be left with the bill up front. I do not have XXXX to just give them on the fly! 


At this point, I want documentation for the following from Discover : 1. What is the purpose of your request. Not a generic answer. I want to know what specifically you are wanting to see. It is MY personal information youre requesting, NOT yours. You dont get to tell me what you want and I just comply. Failure to provide this will result in me seeking legal council through a consumer protection attorney. ( The family attorney I mentioned ) 2. I also want the answer to this in writing. If my account is closed am I required to pay the full balance upfront or am I still able to make payments? 


This experience so far has soured my relationship with Discover and I expect a phone call from someone in LEADERSHIP. Not some XXXX  in a call centre with a script like that last XXXX I spoke with. 

You guys have severely overstepped and failed to provide any reasoning behind this other than this is just us doing business XXXX XXXX  not!
Consumer complaint received 2024-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (PA)

I am writing to dispute the validity of a debt associated with a XXXXXXXX XXXX credit card account that has been reported on my credit file and is currently being collected by your agency. It has come to my attention that this account was opened fraudulently in my name and without my consent or authorization. I have already initiated a dispute with XXXXXXXX XXXX  regarding this matter, and I am in the process of resolving the issue directly with them. 

Furthermore, I wish to bring to your attention a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681b ( a ) ( 3 ) ( A ) of the Act. Your agency has conducted an inquiry into my credit report without a permissible purpose, as I did not directly and voluntarily seek credit from either XXXX XXXX or United Collection Bureaus , Inc., nor did I authorize your agency to access my credit reports. This violates my consumer rights under the FCRA.

Given these circumstances, I am requesting the following actions : Immediate cessation of all collection activities related to this fraudulent account. 
Removal of any related entries from my credit report to prevent further harm to my credit standing. 

A written confirmation from United Collection Bureaus , Inc., acknowledging the fraudulent nature of the account and detailing the steps taken to rectify the situation.

I am including copies of all relevant disputes previously sent to XXXX XXXX and any correspondence received from them regarding this matter. I expect a prompt response to this letter, addressing the concerns raised and outlining the actions your agency will take to resolve this dispute. 

Thank you for your immediate attention to this serious matter.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MN)

on XX/XX/2021 I deposited {$1300.00} to My us bank checking in cash to pay for My laptop for college at XXXX. my card was being declined at XXXX XXXX so i called US bank who told Me I hit My spending liMit for today using the card so i would have to wait another day just to Make a purchase. well as soon as i go hoMe i see a {$700.00} charge froM XXXX and us bank just took its provisional credit back and charged Me fees for a fraudulent charge WHICH IS UNACCEPTABLE. now i will be reported to XXXX if us bank doesnt fix the error! I will be going to another financial institution and thats what I RECCOmmEND FOR EVERYONE ELSE! DO NOT PLAY WITH US B
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NC)

In XXXX, secured a line a credit via Care credit ( Synchrony Bank ) as advised by my dentist to assist with additional coverage amount needed that would not be covered by my dental plan. The amount approved was XXXX at full-time employment. When, my payments schedule was calculated and adjusted I could n't make the required minimum payments and reached out to synchrony bank many times to adjust my payment as I lost my full-time job to part time status. I ask to reduce my payment and was denied on multiple times. I sent what I could, but it was never the required amount of XXXX. Each month, I was always late and I constantly called only to get a foreign accented person that would put me on hold to see if I qualify for a special program, then told " no. '' So, every month I paid what I could afford to send and every month I received calls saying I was late. Noone would help me reduce my payment, they said my account was too new and that I did n't qualify for there special program. I asked what program was that, but got another foreign person who could n't explain it to me, but would transfer me to another XXXX manager, who basically stated the same thing. Finally, six months later, I requested a seize and assist on the constant collection calls that called me every day on both my home # & cellphone #. However, no one from synchrony bank would help me lower my payment and expected me to pay XXXX on a limited income. I called in XXXX XXXX and spoke with someone in their collection department that spoke XXXX named " XXXX. '' She gave me a settlement offer and told me that the account was going to charge off in 169 days. At that time, I could n't pay the settlement but told her the account had already been charged off and posted to my credit file in XXXX XXXX ... it posted to all XXXX credit bureaus which lowered my credit score and negated my opportunity to try to get any funds to pay or accept the settlement offer. However, knowing that I have 169 days before it leaves the office, I 'll call back for another offer. 2 weeks later, I got a certified letter from an attorneys ' office in XXXX, NC regarding this account. I was soooo frustrated and puzzled, I called the office and never spoke to the atty, but vmail. Only vmail back and forward, basically stating that I was surprised that this account was with them and left reasons. I felt I was violated without rights to settle and never heard back from this atty. I called back to synchrony bank and spoke with someone again..XXXX and express my strong concerns and violations of rights to settle. The account was pulled back from the atty. Noone still has yet to contact me until XXXX/XXXX/XXXX. I just got a letter stating that this account has been sold to XXXX XXXX XXXX XXXX and if I have any questions, I should contact them. This has been a true nightmare. I 'm not trying to get out of paying, but I just needed to adjust my payment amount until my income increased. ..all phone calls were recorded. Help ... this is not right at all.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax website does not allow for court documents to be uploaded. I called about the issue and they said I had to either fax or mail the documents. I now have to pay to dispute harmful items reported by negligent lenders because they refused to accept the court documents.
Consumer complaint received 2021-01-21
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. (CA)

XXXX XXXX XXXX Balance Owed : {$630.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Consumer complaint received 2024-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

On XX/XX/XXXX, I was charged {$160.00} by XXXX XXXX in Utah. I did not recognize this purchase as I have not visited Utah and reported it as fraud. XXXX XXXX agreed and credited the amount back to my account. A little after that I received a letter in the mail from Aldous and Associates saying I owe a debt to XXXX XXXX for {$270.00}. I disregarded it as I thought XXXX XXXX had taken care of the matter for me. However, I began receiving phone calls from Aldous and Associates. I called them back and informed them of my situation. They said to ensure I am telling the truth and to provide evidence I will need to file a police report, which I did and sent them a copy. However, I continued to receive phone calls from them asking me to pay my debt and I continued to inform them that it was fraud and to look over the police report I sent. Some time passes and I receive another letter on XX/XX/XXXX, informing me of my debt and that they have sent over my police report to XXXX XXXX. The letter also contained information of the original membership they are referring to that started on XX/XX/XXXX and is unfamiliar to me. Then on XX/XX/XXXX I received another call from Aldous and Associates asking to me to pay my debt. I again told them that this should have been taken care of already and he informed me that they still find me guilty and to pay my debt or they will inform credit bureaus of it. I said I need some time to go over the situation and he said it was in my best interest to at least make a partial payment today and I hung up. I called back trying to get some information about my case and they were not helpful so I told them I am going to get a lawyer involved and they said they cant talk to me and hung up.
Consumer complaint received 2024-03-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

This is the second time I am submitting a complaint regarding this issue because the first time it was not resolved. A company reached out and I submitted the documents requested, but I never heard anything else and that was two months ago. 

XXXXI received some American Express Gift Cards through my rewards program with my AMEX credit card back in XXXX. I have struggled to find places to use them, as almost no merchants accept them. After MANY tries, I finally found a place to spend them, so I wanted to use them up and be done with them since they are such a hassle. During my attempts to spend the cards, one card was locked and put on " HOLD ''. The AMEX gift card website where you check your card balances said to call the number on the back of the card to resolve this. So I called them today, XX/XX/XXXX, and after being hung up on once, got someone who said they could not help me unless I gave them an XXXX digit serial number on the back of the card. But there is no such number on the back of the card. They refused to help me otherwise. I then called the AMEX number associated with my rewards card and they could not help me either. And both numbers/individuals I called had no idea where I should call to try to get it resolved. So I have a {$250.00} AMEX gift card that is locked/on HOLD by the system for an unknown reason, that no one seems to be able to fix so that I can use it. And the company provided numbers that said that I was told would help me, can not. I was told by one CS agent that I was just out of luck. And that is not acceptable or fair. This card was placed on hold by the AMEX system - and no one can release it!
Consumer complaint received 2024-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (NC)

BMO Harris seems to lose my postal money order for 7 straight months until we face them with tracking money order number and the date it was cashed. They harass us at work and email daily plus 5-7 calls per day. We are not one minute behind on the payments and yet have been charged over a XXXX dollars in late fees. It seems they are not well setup with payment processing. Weeks after each money order is cashed the calls still continue. This is very unprofessional behavior and causes my family a lot of unnecessary steps and XXXX  for no reason having to argue on the phone for an hour every single months for over 6 straight months now. It angers me and causes my wife to have daily stress. Please help us. We need to get rid of amateur loan sharks
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

My account was closed on XX/XX/24 out of no where I got an email and text message to call Chase before my account close I called them they stated that my account is restricted I called and ask why no answer at all I ask could I go into the branch to get some type of funds due to me having a XXXX and I didnt have no money on me at all and whats in my account is all I have they stated they was sorry and I can try to go to the bank and talk to a bank manager long story short I went to the bank and the bank wasnt no help at all I dont understand how can a bank just up and close your account and cant even give u a reason I am still without funds for me and my child