davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (TX)

On XX/XX/year> I received a 1099C copy B for debtor form from Synchrony Financial via USPS mail. I called XXXX & spoke with Account manager XXXX & she knew nothing about why i would get a 1099C & said she saw that nothing was sent to me. Also she mentioned fraud. she said she saw an internal form that mentioned that but did not answer any questions I posed to her about this. She also corrected me & stated that care credit & synchrony are a BANK not creditors. I asked her to transfer me to someone that could see the notes pertaining to the 1099C & who could explain the fraud she said she saw verbally mentioned. I was transferred to XXXX who identified herself also an account manager. She said that the account would update in 1-2 billing cycles but she needed to ask someone else about the fraud & 1099C. She put me back on hold & said she asked 3 account managers & no one could see the letter ( I corrected her & said 1099C ) I was talking about. I asked her what I should do about my account? She told me to call the IRS. I disconnected the call. I am reporting this because why would I have a Cancellation of Debt that is still showing up on my credit reports? Certificates of indebtedness is considered INCOME that is to be recorded on Income tax return & INCOME can not be reported as debt. Account number XXXX.
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (IL)

I am writing to formally dispute and contest the actions of Amsher Collection Service in relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations.

I hereby declare that I dispute owing any and all debts to Amsher Collection Service and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between Amsher Collection Service and the original creditor pertaining to the said debt.

It has come to my attention that Amsher Collection Service has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and yet has proceeded to report the collection on my consumer report. Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ).

Moreover, I assert that Amsher Collection Service is violating my consumer rights through the use of false, misleading, and deceptive means in their collection practices. Their unauthorized furnishing of accounts to consumer reporting agencies without complying with necessary legal disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 27 ( A ).

In light of these violations and discrepancies, I am formally revoking all rights of Amsher Collection Service to communicate with me via email, text, or phone calls. Henceforth, I request that all communication be ceased immediately.

Furthermore, I request that Amsher Collection Service provides proof of being licensed and bonded as required by law. This information is crucial for ensuring compliance with regulations and validating their authority to engage in debt collection activities.

I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed. Your prompt attention to this matter is greatly appreciated.

Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC. (NV)

On XX/XX/year>, I received the attached Delinquent Property Taxes letter from New American Funding. My tax is not due until XXXX. Please see attached tax bill from XXXX XXXX, Georgia. I have not received any delinquent tax notices from XXXX XXXX, Georgia. 

XXXX. On XXXX, I called New American Funding and was told that they pulled up a report on XXXX showing my property taxes were delinquent. 
XXXX. On XXXX, New American Funding proceeded to approve, without my knowledge, and without my consent, to pay the property taxes. 
XXXX. On XXXX, New American Funding, without my knowledge, and without my consent, mailed a check to XXXX XXXX. 
XXXX. On XXXX, without my knowledge and without my consent, New American Funding set up my account for escrow withdrawal. 

During my conversation, I was told that the only thing that New American Funding could do was to take my payment on the phone while talking with them. I refused because New American Funding sent me a threatening delinquent letter and proceeded to take the above actions without my knowledge and without my consent. 

I consider this manner in which New American Funding tried to put my account in escrow as questionable and shady.
Consumer complaint received 2024-03-26
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America send my CA EDD card in the mail and it was intercepted again by someone else who depleted my account and used all of the funds. I have opened and reopened claims with the given claim department and submitted the documentation requested ( police report, proof of address, CA ID, written statement ). My claims were denied immediately, within only one day, and I was denied the money that is rightfully mine. Bank of America has denied my claims so quickly that there is no way they could have done a thorough and complete investigation. This is wrong and must be illegal in some way. I waited so long for these EDD benefits and someone else is getting away with stealing them from me. Bank of America is clearly okay with this and does not protect their customers what so ever. 

Claim # XXXX Claim # XXXX
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank On XXXX XXXX XXXX I was the victim of a mystery shopping scam which entailed me unknowingly cashing in fake checks and believing I would be buying gift cards with the check deposit money. I had lost about XXXX XXXX  to the scam, but then another {$1400.00} for cashing in a {$1400.00} check unknowing of its falseness on XXXX XXXX XXXX. The bank took {$1400.00} out of my account after the bank realized XXXX false dollars had been added to my chase debit account on the XXXX, as they should. However, on XX/XX/XXXX, the bank withdrew another {$1400.00} from my account without notice and effectively robbed me of money I did not own for the most part. In other words, over XX/XX/XXXX to XX/XX/XXXX, I have lost about XXXX XXXX to both scams and the bank double-charging for the {$1400.00} value. The XXXX XXXX loss scam that I fell victim to is undoubtedly the fault of both the mobile depositing system being unable to legitimize checks and protect the customers from fake checks and the fact that mobile deposits enter the account before they are confirmed as real legitimate checks. The loss of {$1400.00} on XX/XX/XXXX is once more a mistake by the bank which I in no way should be responsible for, as a fake check should not have gone through in the first place, meaning Chase has not placed measures in order to protect customers from fake check scams and etc.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received a call from my cellular provider XXXX XXXX, alerting me someone was trying to steal my information and have it added to another device using a different cell carrier. I went to XXXX in XXXX CA, and they stopped the theft of my cellular information. 

On XX/XX/XXXX my cellular service was cut-off and it was determined that XXXX XXXX had failed to stop the thief, and my information was imported to an unknown device by an unknow person. 

On XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX, CA and purchased a new phone. They then uploaded all my personal information to the new phone with the same phone number. 

After purchasing a new phone I kept getting locked out my online banking. I called Bank of America twice, and they assured me everything was fine and changed my online password twice. 

Beginning XXXX of XXXX, I started receiving calls from someone that I thought worked at Bank of America. They had all my personal and account information. During these calls the person was able to access my account and steal {$2500.00} in XXXX and {$19000.00} in XXXX using a different device. 

XX/XX/XXXX {$3500.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00}
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (OH)

On or about XXXX XXXX XXXX I was provided with a reward code from KeyBank for opening checking account ( reward code XXXX in the amount of {$200.00} dollars ). I also received a second reward code XXXX, in the month of XXXX XXXX XXXX, for opening a savings account in the amount of {$50.00} dollars. KeyBank had failed to comply with their advertising ads upon opening the accounts which I complied with their requirements to receive the rewards. However, due to KeyBank 's failure to process the reward code. I had to close the first checking account and request that the reward code be applied to the second opening of the checking account. Upon requiring about KeyBank, failure to process the reward code to the first opening of the checking account nor the reopening of the second checking account refused to comply with their advertising requirements nor complied to reward me for opening the saving account which had no issues. I stated that all requirements were met with checking account and saving account upon opening.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MS)

These companies has called my phone line excessively all week and weekend long even on Sunday morning before XXXX XXXX. Theyve called my sister.

XX/XX/2024 XXXX, XXXX,XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is everyday pattern all day XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions to take place in my account after I had everything put in place due to identity theft, to prevent this -- specifically accounts were deactivated and disabled. ( 86 ) unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. 

As Follows- In Order : -- XXXX Overdraft Fee for a Transaction Posted on XX/XX/XXXX. {$98.00} Purchase- {$35.00} -- XXXX OD Account Transferred to XXXX. - {$400.00} -- XXXX Overdraft Fee for a Transaction Posted on XX/XX/XXXX {$98.00}. - {$35.00} -- - XX/XX/XXXX Overdraft Fee for a Transaction Posted on XX/XX/XXXX {$98.00} Purchase. - {$35.00} -- XXXX Provisional Credit for Claims Ref- XXXX XXXX {$98.00} -- XXXX -- - ACH Claim # XXXX. - {$650.00} -- - XX/XX/XXXX -- XXXX to XXXX XXXX XXXX on XX/XX/XXXX. - {$10.00} -- XXXX -- XXXX to XXXX on XX/XX/XXXX - {$120.00} -- XXXX -- - Non-WF ATM Balance Inquiry FeXXXX on XX/XX/XXXX. - {$2.00} -- XXXX -- - Non WF ATM Withdrawal Authorized on XX/XX/XXXX. - {$200.00} -- XXXX -- - Non WF ATM Transaction Fee. - {$2.00} -- XXXX -- - Money Transfer authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX - {$25.00} -- XXXX -- -Purchase Authorized on XX/XX/XXXX XXXX XXXX. - {$40.00} -- XXXX -- - XXXXurchase authorized on XX/XX/XXXX XXXX XXXX. - {$23.00}
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I would like for Capital One to update my account and change the inaccuracies of the late payments ( XXXX - XXXX ). I also feel this company has unfair practices, the explanation of interest/charges were misleading and unfair. These fees were manipulative and were a sales tactic to attract customers with low advertised prices, only to tack on additional charges later. All I paid was fees because my card was barley used. It is very deceiving and frustrating.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: PENTAGON FEDERAL CREDIT UNION (NC)

My dad co-signed a new car loan for my daughter in XXXX. In XXXX he refinanced it as a used car loan without her knowing. He was put into the hospital in XX/XX/XXXX and found to be incompetent due to advanced XXXX. He needed a guardian and to be placed into long-term memory care. I received guardianship in XX/XX/XXXX I reached out to the bank that holds the loan and they would not discuss the car with me. They wanted POA even though I explained the courts said he was found incompetent and the guardianship would trump that. He passed away in XX/XX/XXXX, after giving them the death cert and proof of being the administrator of his estate that is when I found out he had refinanced and did not add my daughter 's name to the new loan. The DMV still has them both listed on the title and she has XXXX after her name. The company has made us jump through hurdles and gave us the runaround. We were told we could offer a settlement but were declined because it wasn't as much as they wanted. We were told my daughter could refinance the car but was declined because she is on XXXX. Finally, they agreed to allow her to continue the payments and if she made 6 consecutive payments they would remove the loan from being charged off and in collections to a reg loan. She made her 1st payment XXXX XXXX the same day it was set up. Three weeks later we received an email saying that the program had been discontinued last XXXX and they would send the payment back, which they haven't and if she didn't refinance the loan by XX/XX/XXXX they would have to repo the car. None of this would have happened if they had honored the court guardianship and the docs I provided. The last payment was made XX/XX/XXXX the same month my dad went into the hospital. When I got guardianship in XXXX the payments would have only been 2 or 3 months late and I could have made the payments to keep it out of collections. My daughter tried to call in XX/XX/XXXX to inquire about the payments and they refused to speak with her.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

WELLSFARGO GAVE MY BUSINESS ACCOUNT AWAY TO A MAN WHO HAD NEVER BEEN ON MY ACCOUNT EVER!!! I HAVE HAD THIS ACCOUNT FOR ALMOST A YEAR AND I WARNED THEM THIS WOULD HAPPEN, THE DAY BEFORE IT HAPPENED! THEY NOTED THE ACCOUNT WITH THE XXXX NAME AND I ADDED A HARD FREEZE! THEY BYPASSED MY HARD FREEZE IN THE XXXX FL BRANCH AND GAVE THIS MAN MY ACCOUNT. MY BUSINESS HAS SUFFERED AND YET THE BANK THINKS THIS IS A JOKE! THEY NEED TO DO THEIR JOB AND LOOK AT THE FACT I OPENED THAT ACCOUNT WITH PERSONAL FUNDS TRANSFERRED FROM MY PERSONAL WELLSFARGO ACCOUNT! I HAD THAT ACCOUNT AND WAS PAYING THIS MAN CHECKS FROM THAT ACCOUNT. I SHOWED THE PROPER PAPERWORK TO ESTABLISH THAT ACCOUNT, AND THEY GAVE ALL MY FINANCIALS AND ALL TO SOMEONE ELSE!!! THEY REMOVED MY NAME FROM MY ACCOUNT. THEY ALLOWED FRAUD AND DID NOR HAD DONE ANYTHING ABOUT IT! WELLSFARGO FOLLOWED NO PROTOCOL OF THEIR OWN. ITS BEEN STATED ON MANY RECORDED PHONE CALLS WITH THEM THAT XXXX XXXX  DID NOT FOLLOW PROTOCOL AND ALLOWED THIS MAN TO TAKE MY ENTIRE ACCOUNT AND SHE BYPASSED THE FREEZE I HAD ON THE ACCOUNT! THIS WILL BE TAKEN CARE OF..
Consumer complaint received 2024-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

There are XXXX issues I have encountered with Nelnet. XXXX is that when trying to make an online payment through their portal/website I encountered an issue wherein it would not process the payment for that day and was threatening a late charge despite me making my payment timeline. I promptly emailed their customer service through their " contact us '' feature on the website ( this email was sent on XX/XX/2024 at XXXX XXXX  PST ). Because I did not hear back and their phone agents were not reachable I paid via their telephonic bill pay system ( confirmation # XXXX ). Despite making this payment before XXXX XXXX  PST on XX/XX/2024 my payment was not processed until XX/XX/2024 making it late. Customer service has since informed me that they have payment cut off times based on EST hours but that is not listed anywhere in the several pages of statement provided. 

The bigger issue I have is with their intentionally misleading information provided in the email below. Noting that their system had an error and was not calculating payment dates correctly and that my loans would be put in an administrative forbearance during which time no payments would need to be issued and would not be accruing interest. However, they then only list 1 day as the XXXX percent interest period. When I inquired about this via their telephonic customer service the representative told me that was not accurate information and it was applied for a month long period, but could not provide my any where to see that information. Additionally, the statement issued by Nelnet makes no reference to the forbearance period or XXXX  % interest and lists the interest as the same as previous payment periods. This confusion and misleading information is unfair to borrowers who are being forced to spend time making sense of issues Nelnet is having with servicing loans and makes it impossible for borrowers to plan financial steps and decisions.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Altisource Portfolio Solutions, S.à r.l. (GA)

Hi, On XX/XX/XXXX, ALTISOURCE/LENDERSONE pulled my credit without my consent. 

They marketed preapproval to see if I could get a Heloc loan service and stated the inquiry would be a soft pull to see if I would be qualitied. To my surprised this is reporting on my credit. I never continue with the program because of the rate and the cost amount requirement. I never authorized for my credit to be pulled, they told me just soft pull for qualification. I never did the program service with them. This incorrect reporting is sitting on my credit and hurting my credit for other financial service for me and my family. 

ALTISOURCE/LENDERSONE/ Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Reporters Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (RI)

Several issues I had to put into affect the account assurance. Do to a XXXX. I've been charge every mo to use that benefit as well as payment being missed on top them paying the payment I pay myself the rate ever mo seems to be going up as well as the payment to the XXXX XXXX so the amount I pay and the amount they pay does not bring down the rate or the mo charge for the insurance. The last payment they paid was XX/XX/XXXX. The due date was XXXX  XXXX. I'm not sure how they came up with that payment. If I did not pay out my pocket, it would be late. As of this mo they have not paid this mo payment, but I paid XXXX if they wait until the last min to pay the interest goes up along with the fees fir the XXXX ins.ive contacted them several time for a printout of the interest and payment history of both the ins and the credit card they have refused to send as of today..
Consumer complaint received 2024-03-26
Product: Credit 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: DISCOVER BANK (VA)

I have a recurring subscription with a major computer virus protection vendor. I still want and renewed the service BUT on the renewal date ( XX/XX/2024 ) they tried several times to go thru an old card in my profile which kick them out and set the XXXX XXXX to text/ call me and set a block charge and send me " fraud alert ''. Then then I checked my profile on the vendor and found another old / cancelled credit card number on file that had an expired date ( this number did have a previous issue ), but the vendor representative said they have a deal with the credit card company to transfer charges to the next available open account, which they did, confirmed by current statement. I have since updated my profile with the vendor. CAN the two of them they really do this?
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synovus Bank (SC)

On XX/XX/XXXX, I received an email that my loan would be maturing, and I needed to submit some financial documents in order to process for a term loan since the original loan I had was no longer being offered. The loan matured on XXXX XXXX and I managed to submit all of the paperwork around XXXX XXXX. The loan new loan terms were stated as follows : Current Balance {$18000.00} 48 months XXXX 12.39 % Appx payment {$480.00} monthly No prepay penalty. 
XXXX time XXXX fee XXXX I received this email on XXXX XXXX, XXXX. I was asked to fill out an ownership beneficiary form which clearly was used to profile me and get my personal information as this was a originally a business loan tied to my EIN. This was very misleading. 
There was no further communication afterwards. Then around XXXX of XXXX I received a letter from XXXX XXXX XXXX claiming there are attempting to collect a debt for Synovous Bank and if I don't pay they will sue for the money. I was totally blindsided by this. I asked them provided the documentation where I was denied a renewal and for what reason. I never received any of that information. Now my XXXX score has been affected and potentially my personal assets.