davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (CA)

This is re Synchrony Care Credit. They are predatory and shady. I opened a card years ago while my dog was in the XXXX. I used this card for years as the XXXX card if needed as well as for a XXXX for myself. I always paid. Then I started having online access issues. I could not get into the website XXXX  my account. I tried many many times. I finally called and was routed to someone who spoke very little XXXX. I explained my issue. She said if I made a payment she would give me access. I did and access was still not available. They gave me numbers to call which I did and never was able to receive access to my account. This went on for weeks. I eventually gave up out of sheer frustration and no idea who could help me. I am now being sued for {$5500.00}. I will likely need to file bankruptcy now. I am a single parent who kept up on my bills. until this happened with them. 
I have been hearing of many complaints of accounts being closed without notice, rates being changed, rates as high as 30 % and more. These complaints can be seen online where they advertise. I think they need to be looked into. They are XXXX  over thousands of customers.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (MA)

Dear CFPB, I am writing to express my dissatisfaction with handling of introductory bonus that was promised to me when I opened a new OneKey credit card with Wells Fargo. Unfortunately, the actual bonus I received was way less than what they mentioned online and during the entire application process. Below are the details of this issue : XXXX. Introductory bonus not applied correctly : On XX/XX/year>, I applied the XXXXXXXX XXXX XXXX  through a link from XXXX XXXX XXXX XXXX XXXX XXXX. You may look at this link and all related terms. It highlights that after spending {$1000.00} in the first 3 months, I will earn {$400.00} back. However, I ended up only getting {$150.00} introductory bonus on my Wells Fargo account. 

2. Communication with Wells Fargo : I tried to reach out to Wells Fargo and ask why. They claimed that since I were actively booking and had applied for the credit card from XXXX website, they can only offer {$200.00} statement credit plus {$150.00} introductory bonus. However, there is no such information anywhere on agreement or website. Hence, I don't understand why the place I applied matters. I asked Wells Fargo to provide online accessible evidence to show this $ XXXX {$150.00} term, they are not able to give me any link. I've been having both email and phone call with Wells Fargo about this issue for a week, but still not hearing anything helpful. They ended up asking me to reach out to XXXX. When I asked whether I can talk with their credit card team, they also refused to connect me with that department. 

3. Communication with XXXX : I then reached out to XXXX. However, XXXX claimed that the {$1000.00} dollar has to spend only on XXXX website, and not other places. This is again not listed anywhere on webpages. On this link ( https : //www.expedia.com/legal/one-key/card-terms-pp ) under " Introductory Offer '', it clearly says that " To qualify for {$400.00} in XXXX, a total of at least {$1000.00} in net purchases ( purchases minus returns/credits ) must post to your account within 3 months from the date your account is opened. '' At the end, XXXX asked me to reach out to Wells Fargo for a solution. 

The entire process has been incredibly time-consuming and frustrating. I trusted that the branch would handle this correctly from the beginning. However, due to errors and mis-communication on Wells Fargo and XXXX, XXXX have been kicking back and forth between these XXXX companies. With XXXX week of effort, I am now still not getting the promised {$400.00}, as well as the time that I could've spent to create more values to the community.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

I pulled my credit report hoping to purchase an house, but I noticed a lot of unauthorized accounts that was open but are now closed due to delinquency of none payments. I noticed these accounts around then end of XXXX. Seeing these accounts makes me remember I did receive a couple of phone calls in regards to a few of these accounts but I told the creditors it wasnt me, asked for documentation in regards to these accounts, I never heard anything back or from the creditors I assumed the issue was solved but clearly not. Its several accounts XXXX XXXX XXXX XXXX XXXX, LVNV LLC, XXXX, XXXX XXXX XXXX XXXX Ive tried reaching out to creditors explaining these accounts were open fraudulent. Theyve also put multiple hard i inquiries on my account starting back from 2022
Consumer complaint received 2024-09-20
Product: Credit 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: AMERICAN EXPRESS COMPANY (NY)

I purchased car battery from XXXX on XX/XX/XXXX in the amount of {$350.00}. However, the merchant did not deliver the product until the promised delivery date on XX/XX/XXXX. After unsuccessful attempt to contact the merchant by phone, I opened up a dispute with American Express on XX/XX/XXXX with the Reference number XXXX. American Express closed my dispute on XX/XX/XXXX without issuing any credit, stating that the merchant provided proof of delivery. 

However, the proof does not show that the product was delivered to my home address, does not show any signature nor photo of the package being left. Therefore, I called American Express again on XX/XX/XXXX. The company representative suggested me to open a purchase protection claim, however, the claim was rejected couple days later.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

To Whom It May Concern, This is a formal complaint letter concerning inaccuracies and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been XXXX  days since I mailed the request. XXXX has failed to provide me with information for validation and XXXX said It will be removed and is still affecting my credit because ids not removed. 
XXXX. LVNV funding LLC XXXX XXXX XXXX Account {$620.00} = XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX Account {$0.00} = XX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (FL)

I am submitting a complaint against Discover Financial regarding their debt collection practices. I have requested that they stop all forms of communication with me, as their ongoing contacts are causing significant stress and XXXX  This communication should not be interpreted as an acknowledgment of any debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Florida law, I have the right to demand that they cease all contact. Should they fail to comply with this request, it will result in grounds for legal action.
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP (GA)

I received a letter in the mail on XX/XX/XXXX stating that I authorized a {$200.00} payment for my outstanding debt. 

I looked through my consent judgment and saw that I authorized to pay {$100.00} on XX/XX/XXXX and {$100.00} each month thereafter beginning XX/XX/XXXX. Based on the verbage, I realized that I did okay a {$200.00} payment. 

Today, XX/XX/XXXX, I received a letter in the mail stating that I authorized a reoccurring payment in the amount of {$200.00} on XX/XX/XXXX. 

I reached out to XXXX XXXX XXXX at XXXX on XX/XX/XXXX to discuss this issue. I spoke to a lady by the name of XXXX XXXX. She told me their consent. Judgment showed I authorized a {$200.00} payment on XX/XX/XXXX and {$100.00} each month thereafter payments being the XXXX of each month. 

I told her that is not what I received from the XXXX XXXX XXXX XXXX and I did not sign the form she was looking at. She asked me to send her my consent judgment and I did. 

After she received it she told me she had to send it to management and they would contact me in 2 days to hopefully fix this. 

I requested a copy of the consent judgment form they allegedly have on file and they decline to give me this form.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I called Discover on XX/XX/year> at XXXX and spoke with a representative named XXXX XXXX I told him that I don't recall having a debt with the company and asked if he could verify the alleged debt, they say I owe. He told me that I wasn't speaking to someone in the correct department. So, he proceeded to transferred me to the customer service agreements department and I spoke with a representative named XXXX. I told her that I wasn't aware of this alleged debt and asked her if she can send me verification of the alleged debt, and she told me she couldn't do that. She asked if I wanted to speak with someone from the security team, and I told her sure. She then proceeded to transfer me to the charge verification security department, and I spoke to a representative named XXXX. I asked XXXX the same question, can she send me verification of the alleged debt in question. And I couldn't get the information.
Consumer complaint received 2017-09-12
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. (CA)

Equifax was negligent in handling computer security, resulting in theft of my personal data. 

Equifax did not notify me of the breach when they became aware of it ( I had to learn through the media ). 

Equifax has failed to remedy the situation.
Consumer complaint received 2024-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

We switched insurance companies. XXXX XXXX sent us the refund instead of sending it directly to Mr. Cooper which put our escrow at a shortage of {$2300.00}. On the website it says pay this amount in full to keep your payment the same. As soon as we received the refund I went online and made an escrow deposit of {$3300.00}. I sent extra money in case there was something we missed. My mistake was to not apply it to the shortage myself? I thought making the deposit and shortage payment was the same thing. We asked for the escrow analysis to be reran and they did but now it says that our shortage is higher, XXXX. When we call, we continue to get different people and different answers. They told my husband on XX/XX/year> that our payment would be going down to {$1800.00} and that someone was going to call him back but we did not receive a call back. Now I called back today and they said that they did apply our deposit and it is correct that the mortgage is higher. We can not get anyone to actually help us and I feel like that {$3300.00} payment into the escrow account was never applied to the shortage correctly.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC (CA)

Back on XX/XX/year>2024 i applied to get a MOD, and then i was approved for a Repayment Plan on XX/XX/year>2024 ; however i did not accept the terms because i was in a process to get divorced, i was feeling devastated and i was spending all my income in that process, so i lost the retention option and i tried to apply for the CA XXXX XXXX i sent all the required documents, however, on XX/XX/year>2024 we got denied because CA XXXX  did not have enough funds to pay my past due amount ; at that time my income is now stable and my situation got resolved so i applied for a MOD again, but i got denied back on XX/XX/year>2024  saying i exceeded the amount of MOD i could get lifetime. I spoke with XXXX and she told me i have to pay the full past due amount to get another MOD, my income can afford my Modified Monthly Payment but i can not afford to reinstate the loan. Please help me to get another MOD, i lost my wife, lost my income for several months, i have been trying to resolve my debts and i have no other place to live. Please help me to keep my property with a Loan MOD.
Consumer complaint received 2017-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX did a hard pull for 1 account 3 times in one day. XX/XX/XXXX I do not recognize anything named XXXX on XX/XX/XXXX XXXX also pulled 2 times within 30 days and i was informed it would be once XX/XX/XXXX there should be no inquiry from XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

Dear Sir/Madam, I am filing a formal complaint against Chase Card Services concerning the handling of my credit card account ending in XXXX. After a clear agreement on the full payment and closure of my account, I have faced ongoing issues that have severely impacted my financial standing and credit score. 

Background : In XX/XX/year>, I contacted Chase to confirm the payoff amount for my XXXX XXXX credit card, which had a balance of just over {$19000.00}. The Chase representative confirmed that this amount would fully settle the account. Trusting this information, I completed the payment. However, I later discovered that residual interest was still accruing on the account, which was not disclosed during my payoff inquiry. This oversight led to unexpected defaults and late fees accumulating from XXXX to XX/XX/year>. 

Impact : The incorrect handling and misinformation regarding my account closure have led to substantial late fees and derogatory credit reporting. My credit score has drastically fallen to XXXX, directly influencing the interest rate of my adjustable-rate mortgage, increasing my monthly payments by $ XXXX situation that jeopardizes my home ownership. 

Communication Issues : I have encountered significant communication barriers with Chase representatives, primarily overseas, which has led to further misunderstandings and mismanagement of my account. It often required extensive wait times and multiple transfers to connect with a representative who understood my concerns, only to find that my initial payoff had not been handled as promised. 

Request for Action : I urge the Consumer Financial Protection Bureau to intervene and facilitate the removal of all derogatory marks related to this incident from my credit report and ensure that Chase rectifies the mismanagement of my account. Additionally, I seek confirmation that Chase will review their communication and account management practices to prevent such occurrences in the future. 

Given the severity of the impact on my financial health and the potential for home loss, I am also notifying the Attorney General of Michigan of this situation. I am prepared to take further legal action if necessary but hope for a swift resolution with your assistance. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and support in resolving these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (TN)

On XX/XX/XXXX, I was notified through Credit Karma that a hard inquiry was made on XXXX for a credit card from CB INDIGO bank. This is a bank. Ive never heard of. I have not applied for any credit cards or loans in at least six months possibly more I called the company. I didnt feel comfortable giving any of my personal information to them because Ive never heard of this company and I wasnt sure if they were real or not. They said they were part of another company called Concora, which Ive never heard of either and I never applied for anything with them either.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

I contacted this company through XXXX  on XX/XX/XXXX and requested they remove my information from all of the reporting agencies as I did not ever have a contract with Penn Credit. Then on XX/XX/XXXX I requested proof of their legal right to ownership of this debt as well as any contract that I signed with them, I sent this letter certified mail and did not receive a response to these questions.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XX/XX/2017 both account 's
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank has been fined by various Federal regulatory agencies an astounding {>= $1,000,000}! 

And now Wells Fargo Bank is impermissibly demanding {$240.00} in overdraft fees at {$35.00} a piece! 

Wells Fargo Bank has been held accountable and liable by Federal regulators for a strategy or policy of MAXIMIZING OVERDRAFT FEES! 

And now Wells Fargo Bank in numerous telephone calls and letters is HARASSING ME!

And all THIS must stop for the good and financial safety and security of the general public, its customers, AND ME! 

A bank fined {>= $1,000,000} is in no position be be considered TRUSTWORTHY or HONEST! 

Furthermore, one overdraft snowballs into more and more so that, and it is both outrageous and ludicrous, one of my checks for {$25.00}, another for {$5.00} and change, bounded because of the aforementioned SNOWBALLING EFFECT! 

How more admissible evidence need be presented that, in effect, and with all due respect, this is one heck of corrupt and corrupting bank? 

And they want a pound of my flesh! That is, I vitally need my ENTIRE Social Security bank deposit IN ORDER TO PAY OUR BILLS! Period! End of story!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (AL)

Original company was XXXX and I never had XXXX account and furthermore it was during COVID era and I lost business, house and everything. Account charged off and collection agency stalled reporting to make the report last longer affecting my credit. I on multiple occasions reported that account was not mine and I have been ignored. It's XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

I recently reviewed my credit report, realizing there are XXXX inquiries I didn't authorize. ( JPMCB Card, XXXX XXXX ), ( JPMCB Card, XXXX XXXX ). I would like these inquiries removed please.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation (SC)

This company gave my information to a third party agency and calls me not giving their name trying to collect a debt. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 USCode 1692C and they violated this code
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SOFI TECHNOLOGIES, INC. (IL)

On XX/XX/year>, my nephew XXXX XXXX sent me a zelle in the amount if XXXX. He banks with SoFi. He later went on to dispute the zelle he sent as fraud. As a result of that, my bank had not only restricted my XXXX access but access to my checking and savings account as well. My bank, XXXX XXXX XXXX informed me that the only way my account will be unrestricted is if I receive a letter from my nephews bank SoFi with their letterhead stating that he made the zelle dispute in error. He called his bank and called me on the other line. I explained to them what my bank XXXX XXXX XXXX is requesting, and they are refusing to send any kind of letter. I just need this letter so access to my account can be reinstated. They keep saying they cant send any letter and they only can send proof that the dispute my nephew filed was denied. That is not what my bank is requesting.