davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IN)

I opened a checking account with Wells Fargo on XX/XX/2020 because of an offer I found for a {$400.00} bonus when I received {$4000.00} of direct deposits within 90 days. I switched my paycheck so that it would be deposited into the new account, and I received {$4700.00} in total direct deposits to the account, with the most recent one posting on XX/XX/2020, which is before the 90 day deadline. Wells Fargo closed my account without my knowledge on XX/XX/2020. I did not ask them to do this, and they did not ask me before doing it. I sent them an online message on XX/XX/2020 asking for an explanation about why they closed the account and informing them that I met the requirements for the bonus and would like it paid to me. I have not received a response. 

From my perspective, it appears that Wells Fargo decided to close my account specifically to avoid paying me the bonus they owe me.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AZ)

I 've never attempted to payback my student loan for a for profit school which is not only currently closed but I have both private and federal loans through XXXX XXXX feel I was misplead by the type of living wages were expected after school and the way in ehicvh I was forced to service a loan or ends my school.
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (CA)

I have homeowners insurance through California Fair plan. Rocket mortgage, for some reason, double paid ( I had already paid the insurance company ) my insurance carrier and then demanded an escrow account from me to pay them this money back plus insurance payments moving forward ( which I already paid with the insurer ) and a " shortage '' that the established was in my escrow account due to them double paying and demanding the escrow that had no business being there. 

I know that they should have opened an escrow account for my property taxes as they were unpaid, but they had no business double paying my homeowners insurance and then billing me for it and future payments and an escrow shortage. 

I want them to remove the escrowed insurance amounts and shortage since I had already paid for my insurance and provided proof. Then, they need to adjust the monthly payment.
Consumer complaint received 2024-08-30
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

They said my cashiers check was rejected by my bank. I had the money taken out of my account. I sent Synchrony Bank a copy of the canceled check and a copy of my statement. I sent it certified mail XX/XX/year>. They receive the copies and I got an email saying the case was closed. They stated they would send me a verdict in 7 to 10 days. I never received an answer. On XX/XX/year>, I received an email saying they got my payment on XX/XX/year>. I thought is was the answer to the dispute. They were still claiming I owe {$400.00}. I called and was told that because I crossed out my XXXX XXXX account number, they would not accept copies. I was on the phone with them Monday XX/XX/XXXX for one hour and 21 minutes. I was given instructions on how to send the copies by fax. I followed the instructions EXACTLY. I was told they would resolve the dispute by 72 hours. That should have been yesterday. Today I called and was told they can not open my account without a copy of my driver 's license. I said I just wanted to know if they have looked at it yet. I froze the account in XXXX so they can not give me any information without my driver 's license. They have my SS # and my XXXX XXXX account number and now want a picture of my driver 's license. I get very creepy vibes about the new addition of driver 's license since they had no problems giving me info at the beginning of the week. In total I have gotten 6 emails saying the money was paid. I got no email s of the resolution. I was told they mailed the cashiers check back to me which XXXX XXXX claims is a lie. I have a certified mail receipt and a fax receipt. I also have a copy of the check that they have cashed.
Consumer complaint received 2024-08-30
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

This is in regards to a business account with Sams Club. I made 2 payments on my Business Credit Card with Sams on XX/XX/2024 and XX/XX/2024 for the amount of {$50.00} each. The monthly payment for the month of XXXX was {$50.00}. Sams applied both payments to the XXXX payment when the 2nd payment should have been applied to the XXXX payment. This results in several chain of events happening : 1. An incorrect late payment was assessed to my account for the month of XXXX. 
2. Due to the incorrect late payment being assessed, Syncrony pulled the commercial credit report and made the decision reduce my credit limit from {$2500.00} down to {$1000.00}. 

I have tried to correct this matter with Sams on XX/XX/2024 and have the payments applied correctly. They stated there was nothing they could do.

As a consumer, I have a right to have my payments applied how I need them applied. The credit card company does not have the right to post extra funds how they choose.

Sams received their XXXX payment in a timely manner. Any extra funds should be applied per my instructions.

I requested the amount be applied correctly, the late fee be removed and amount account be restored to its original status but Sams informed be there was nothing they could do to correct this matter. 

I am requesting the CFPB to look into the billing practices of Sams Club Business and also the business practices of Syncrony with payment errors are made.

I appreciate any assistance in the matter.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I want to start stating that I don't know what else to do to get a fair solution to this issue. I already engaged Synchrony Bank back on XX/XX/XXXX and I didn't get any response from them. They didn't even investigate my case and there is no dispute remark in the account. 

I am submitting this complaint because they are not acting according to the consumer rights. They are violating the law by doing the following : 1. Conflicting payment history, inaccurate reporting.

2. Reporting false activity date.

3. Re-aging charged-off account!

4. Unfair business practices.

5. Negligence.

6. Breach of contract.

7. Reporting false and erroneous information. 

I did my own research and I am sure that, based on all the damages that I have suffered due to their inaccurate report, it is fair to get the account REMOVED from all three major credit bureaus. 

Here is the account information : Synchrony account : Syncb/Paypal Credit, opened date : XX/XX/XXXX, limit : {$300.00}. 

Please send the attached documents to this company.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

Company has called me after Ive asked them to stop & even sites that it was illegal per CFPB policy. I have received 11 calls from XXXX  since Tuesday, multiple calls are made everyday. XXXX has been contacting me using the same method for months
Consumer complaint received 2021-07-21
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. (LA)

I've previously disputed inaccurate accounts with Equifax several times over the past 7 months via USPS certified mail. While some items were corrected some items still remain inaccurate. I disputed my accounts in good standing because they aren't reported accurately as they should be on a monthly payment frequency. Equifax does not record any of my payments in the historical payment data pattern history on any of my revolving and installment accounts. Equifax records in the comments of my revolving accounts " amount in H/C column is credit limit '', Equifax also reports {$0.00} for H/C amount. This is inaccurate reporting and is damaging to my credit score and report .... Because the comment " amount in H/C column is credit limit '' is found on all my revolving accounts, I will say that this is done blatantly by Equifax credit reporting agency..this is unlawful reporting ... Upon investigation of my dispute directly to Equifax, Equifax credit reporting agency deleted the following revolving accounts instead of updating them accurately ; XXXX, XXXX XXXX, XXXX, XXXX. Why is this possible?
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (NC)

Professional Account Management, XXXX, WI, continues to send me debt notices involving an unpaid toll in New Jersey. They are sending the notices to my address even though the name on the registration is not mine and they refused to provide verification of the debt as required by the Fair Debt Collection Practices Act. Instead, the collection agency demanded a copy of the registration for a vehicle I do not own.
Consumer complaint received 2019-08-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Chase issued a mortgage loan against my property while back. I just came to know about it by contacting with the home insurance company last month, which was funded from that mortgage loan account. The loan number is XXXX. 
The loan account was used for this purpose by a mortgage company named XXXX XXXX with the below information : Phone : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I contacted your sales department to inquire about this loan with no success. They declined to provide me any response. 

Chase maintains the loan that are older than 7 years in archived form. Since the loan was issued against my property and was used back in XX/XX/2007 to provide my home insurance company for home insurance payment. 

So I need to know the below details on this loan : 1. When was the loan account opened and when was it closed, if closed?

2. What kind of loan was it ( i.e FHA, VA etc )? 

Since this was a concealed information, the statute of limit tolls for any legal action. 
So I am hoping that you would please co-operate.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

on or about XXXX XXXX XXXX, all XXXX XXXX, XXXX and transunion put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. XXXX
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

I financed a set of XXXX XXXX  through my XXXX XXXX  office with Synchrony Bank Care Credit. They offered me 18 months interest-free. I was informed after 18 months that I would start being charged interest. At the end of the 18 months, they not only began charging me interest, but they added a back charge of interest for the 18 months that was supposed to be interest-free. My balance increased by over {$1800.00} because they back-charged 18 month 's worth of interest. I was never informed I would be back charged any interest, only that I would begin being charged interest at the end of the promotional period. The new interest charge put me over the charge limit of the original charge, further causing my interest rate to be increased. When I spoke with the company on the phone, they said there was nothing they could do. I finally got through to someone who said their manager would send documentation that I agreed. I have not yet received the documentation, but I will allow for time for that arrive. This was all done over the phone at an audiologist 's office. How can they back-charge {$1800.00} of interest, and by their own charge cause me to go over the spending limit and then increase my interest rate because I am over the card limit due to their charge? On top of that, they are compounding the new interest becasue I am now being charged interest on the new higher balance. After 18 months, I am now at a balance higher than when I originally made the purchase of a XXXX XXXX That is not care credit, that is fraud.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

On XXXX XXXX, 2024 I made a Cash Deposit of {$300.00} at XXXX in order to cover XXXX " pending '' payments of {$120.00} each to XXXX. However, I received an email from PNC later that same afternoon at XXXX showing that my account now had a balance of {$240.00}, and when I logged on to the PNC website, I saw that the reason why was because PNC had returned the XXXX payments to XXXX XXXX hours later, AFTER I had already made the cash deposit. Why would they do that, especially after I had made a cash deposit earlier that same morning? PNC states that you have until either XXXX or XXXX the next business day to make a deposit if your account becomes negative, and to avoid any fees or returned items. I have included screenshots of my account and deposit, along with a text message that I received today from XXXX  advising me to contact them because of my payments being returned. I was told that it could cost me {$70.00} to reconnect my phone lines should they disconnect them due to the fact that PNC had returned my payments. Absolutely absurd!!!! 

I honestly don't understand why the CFPB and the OCC continue to allow the financial institutions in this country to blatantly wreak havoc and steal from their depositors without any type of repercussions or responsibility. These banks have absolutely NO REGARD for their customers and continue to steal millions of millions of dollars from their depositors every year in bogus fees, which is nothing more than CORPORATE GREED and legalized theft!!!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/20 I was notified by my credit card company ( Barclaycard Visa with XXXX rewards ) that fraudulent charges may have been made on my account. I confirmed that the cards in question under my name and my deceased husbands name were stolen when someone broke into my home that day. The company said they would cancel all the charges and close the account. They cancelled all the charges but left one charge ( XXXX # XXXX for {$440.00} ) that was on my deceased husbands card and moved it over to the new account. I informed them of the error. They opened a claim ( # XXXX ) with the fraud department and I received a letter in XXXX informing me that it was fraud and I was not responsible for it. However the charge had not been removed and I continue to be charged late fees and interest. I called several times again and was able to get one late fee removed however the charge was still in my account. I called again and they said they had to reopen the case with the fraud department and I received a letter in XXXX informing me that it was fraud and I was not responsible for it, again! And still the charge from XXXX remains on my account.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

i made was in line at home depot on XXXX in XXXX ny. a store employee approached me and told me if i get the home depot credit card i would get XXXX dollars off the purchase in store and XXXX dollars off my first bill. i believe this was in XXXX. i signed up for the card but did not have my id so i could not use the card. i got my id a couple weeks later and went back and spent XXXX $ on the card. i asked the clerk several times if i would be getting XXXX dollars off the first purchase and XXXX  dollars of the first bill and the confirmed i would several times. i was glad i had to go get my id actually. i felt like being able to talk with someone else would really confirm the great deal the other employee offered with this card. so i made the puchase and was never granted XXXX dollars off my credit card bill. i called the home depot credit card department and talked to a superviser they said call the store. i called the store and they confirmed the promotion was correct and i should have gotten the XXXX $ off but told me to call the home depot credit card department again.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.