davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (ME)

On XX/XX/2020 I attempted to withdraw {$500.00} from my US Bank XXXX in which my child support is loaded onto. The ATM at XXXX XXXX  in XXXX misdispensed and did not give me the {$500.00}. I contacted XXXX to inform them of the error and they confirmed the money was taking from my account and they would need to open a dispute. I contacted XXXX XXXX  after and they said they could not provide me the information and to call XXXX. I contacted XXXX again around the first week of XXXX and they informed me that after 10 business days if they have not completed the investigation they would apply a {$500.00} provisional credit. On XX/XX/2020 I received the provisional credit on my card and used the funds. On XX/XX/2020 XXXX  took the {$500.00} provisional credit back and stated in their investigation did not go in my favor and to call XXXX XXXX. I have now spoke with XXXX XXXX  and its manager who all have confirmed it was an ATM misdispense and they sent the money back to US Bank XXXX with a claim number of XXXX. XXXX   continues to open disputes and close them saying the same results that it did not come in my favor and there was no ATM error. I have verification from the bank in writing showing proof the sent the money to XXXX. I have the letter still. Please call me XXXX.
Consumer complaint received 2020-09-03
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: SYNCHRONY FINANCIAL (CA)

I went to XXXX XXXX to buy a sectional. I was about to purchase the one I liked and the sales man told me they're running a special 0 % loan. He assured me there was no financing fee, no interest, and no catch. I signed a credit check form and next thing I know the couch was ordered. Two weeks later I got a letter in the mail with a XXXX XXXX credit card! The sales rep didn't mention anything like this. He told me it was a loan. I called up their store and they hung up on me when I told them I wanted to speak to a manager.
Consumer complaint received 2020-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Hello Digit, LLC (WA)

Digit offered a promotion where I would get {$100.00} if I shared my referral link and got three people to sign up by XX/XX/XXXX. Then, when they had all made an autosave using Digit I would receive the bonus. I got 2 of my friends to sign up on XX/XX/XXXX, and another to sign up on XX/XX/XXXX. 
Digit made an autosave for the first 2 friends and I received {$5.00} for each of them. But Digit didn't make an autosave for the third friend. Eventually, I reached out and helped them change the checking account linked to their Digit account. Then the Digit finally made an autosave for the. 
However, Digit only credited my {$5.00} for that referral instead of the {$90.00} they had promised under the terms of the promotion. I finally reached out to Digit on XX/XX/XXXX. They replied " After looking into your account it shows that one of your friends auto saved and was paid out on XX/XX/2020. Unfortunately the promotion date for the {$100.00} ended on XX/XX/2020. '' I reached reached out again arguing that their promotional page only stated that the friends had to sign up by that date. The page said nothing about when the autosave had to occur, and it was Digit 's fault that the autosave had been delayed in the first place.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TN)

My credit report shows that my payment status with XXXX XXXX XXXX is 60 days due on from a past payment. Yet my payment history does not reflect any of this, it only shows one 30 day late payment, in XX/XX/2017, on only one credit bureau. I have not been late on this account, I called the XXXX XXXX in XX/XX/2017 to have remedy the payment from being late and was accommodated. I have been unsuccessful in reaching out to XXXX XXXX regarding this matter as this loan product was under a different name of Self Lender and has since been sold and rebranded. All communication efforts have been unsuccessful, even through validation and dispute processes with the three major credit bureaus.
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I had an attorney helping me with an assumption and trying to get a modification to bring my loan current.They denied my request telling my attorney that it is unaffordable.I have recently tried again with them and they are still refusing to help. They are stating this time that it is because of the sale date scheduled on XX/XX/XXXX. The information was submitted to them on XX/XX/XXXX and was confirmed that the information that was sent to the complete. According to the CFPB rules as long as it is XXXX days prior to the foreclosure sale with a complete package they should review the file.SO WHAT IS THE REAL REASON??? I make XXXX monthly the mortgage payment is XXXX monthly. This is affordable for me.Maybe the real reason is that there is equity in the property since my uncle purchased it in XXXX for XXXX today it is worth XXXX plus. Its all about money and that is obvious!!!! I went through alot to keep this property!!
Consumer complaint received 2020-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY (OH)

IN XX/XX/XXXX, i received a letter regarding a " Class Action '' suite , involving the illegal placement of a CPI policy placed on my XXXX XXXX XXXX XXXX that i purchase in XXXX. That letter i received instructed me to provide proof of insurance during the time of the " CPI Policy '' ( policy # XXXX effective XX/XX/XXXX-XX/XX/XXXX ). I contacted the XXXX by phone, and provided the insurance policy number during this time of coverage ( XX/XX/XXXX-XX/XX/XXXX ). I was instructed to wait 180 days to allow for investigation and review. 

In XX/XX/XXXX, I received a letter dated XX/XX/XXXX, informing me based upon the information i provided, they determined it was necessary to place the CPI policies during the dates listed ( XX/XX/XXXX-XX/XX/XXXX ; therefore, i was denied compensation. 

With that being said, I am filing a complaint against, Wells Fargo Auto, CPI Payment Program because of the following points.

1. I complied with their request and provided the necessary insurance information requested ; 2. I absolutely had full coverage insurance for the duration of my loan with Wells Fargo.

3. Dates of insurance coverage was provided to Wells Fargo for a second time on XX/XX/XXXX. 

My claim should not be denied because the insurance company 's records don't go back that far. Additionally, when i requested information regarding the CPI policy from Wells Fargo, CPI Department, they where unable to access the file due to the age of it. With all this being said, this does not warrant a denial.

Wells Fargo waited 10-15 years after they placed the illegal CPI on my loan, and the insurance company doesn't keep records that far  back. It is in my opinion, Wells FArgo knows that, and maliciously using the stated 180 days ( allotted for review of claims ) per their statement, to delay payment to those like myself.

Lastly, my claim should not have been denied because Wells Fargo took so long to admit their wrong doing and based upon this and, the above facts, I am due restitution for the illegal CPI that I paid.
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Got a letter stating that my account would be closing due to insufficient activity or information. Stated to call to prevent from closing. When I called they told me it's already closed and Chase wont give any other information. When I asked why they wouldn't tell me. I tried logging in online but it says its locked for fraudulent activity. Asked them about that ( account hadn't been funded yet ) and they wouldn't say anything other that I have to find another banking institution. Seems very shady that bank wont even give me legitimate reasons why my account was closed especially when they have my personal information.
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Results Unlimited, Inc. (VA)

Lien put on bank account and all monies removed ( XXXX ) on XX/XX/2020. XXXX XXXX XXXX located in XXXX VA is the company who filed the legal paperwork but they have no information. Results XXXX XXXX in XXXX XXXX Va is the collection agency. They aren't taking phone calls and haven't responded to email. Due to the current pandemic this lien has caused extreme hardship to my family. I'm very concerned that the stimulus check will also be taken.
Consumer complaint received 2020-04-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Contacted Equifax, since I am not able to get my credit report with them. 

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again Equifax and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, XXXX ( 2 accounts ), XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call Equifax one more time and they required one more time to contact my lenders. The problem is that everytime I contact Equifax they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the Equifax Buisness department??.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

After reviewing credit report XXXX  XXXX continues to furnish inaccurate data on credit report. 
Account satisfied in full. Requested company to further investigate negative remarks on credit reports. With information placed on credit files, this continues to deplete score and credit worthiness.
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (FL)

I have been given the runaround since XX/XX/XXXX by Ditech Financial in an attempt to cash an escrow check due to a recent payoff that was issued in my deceased mother 's name since she was the borrower on the account. 

My sister and I were added to this property via deed back in XXXX and when my mother passed in XXXX of XXXX, I was handling all affairs on loan. I never went through probate because my sister and I were added onto the deed with our mother. 

I initially called Ditech on XX/XX/XXXX and spoke with Customer Service explaining the escrow situation because my brother was in the process of refinancing our mother 's property. We were already given the payoff date of XX/XX/XXXX. 

I explained that the escrow check being issued under my late mother 's name would be a problem. The Customer Service agent explained that I would need to fax a copy of the death certificate and warranty deed to confirm ownership of the property. 

On XX/XX/XXXX I faxed copies of the death certificate and warranty deed along with my request on the fax cover sheet. Please see attached proof of fax. 

My second attempt was made on XX/XX/XXXX when I sent an email submitting the documents again and explaining my request in detail and on XX/XX/XXXX a generic response was sent from Ditech that my request is being reviewed. 

On XX/XX/XXXX Ditech responded to my request asking for a copy of the death certificate and legal documentation confirming right of ownership. I had already sent in the death certificate and warranty deed two separate times XXXX XX/XX/XXXX and XX/XX/XXXX ). 

My third attempt was made on XX/XX/XXXX when I sent yet another email explaining my request and resubmitting the documents requested along with a copy of the escrow check that was issued to my deceased mother. 

I have yet to hear a response back from Ditech. I now have an escrow check that I am unable to cash because it was issued to my deceased mother. Please I am asking for assistance in this matter. Ditech needs to issue the check to either myself or to myself and my sister as I have submitted proof several times that we were added to our mother 's deed.
Consumer complaint received 2018-09-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (MO)

I owed {$140.00} to XXXX when I lost my job and home, National Cedit Adjusters are trying to collect {$280.00}. I spoke to someone originally on XX/XX/XXXX, she said I could pay the {$140.00} and it would be paid in full. I asked them to send me that in writing and I would immediately pay it. In XXXX, I started getting calls again, but no letter. Gave them my brother 's address in case letter got lost in mail. In XXXX, after calls started again, I answered and told them no payment without a letter. They tried to email me a letter from someone's XXXX account, still trying to get {$280.00}. Told them I wanted paper copy for {$140.00} or not paying. They now call 3 or 4 times every weekday, about half a dozen different numbers and get hateful if I answer.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

My husband and I separately applied for a XXXX XXXX  XXXX credit card offered by Synchrony Bank online, most recently on XX/XX/2020. I was denied once ; my husband was denied twice. 

The reasons given by Synchrony do not match up with a description of our credit profile at all. ( see attached ) For example, the latest denial of my husband 's application stated : -Too few bankcard accounts -Days since most recent inquiry is too short -Number of inquiries -Date of issuance of applicant 's SSN does not match date of SSN of peers None of these statement/phrases are consistent with his credit. I had similar reasons applied to my denial : ( see attached ) - Days since most recent inquiry is too short - Not enough mortgage experience - Length of time oldest bank revolving account has been established is too short - Distance between prior residences is too long This  criteria for denial does not match ME. I have had numerous mortgages and all are paid off. My husband has a car loan that is current. I have had credit cards for more than 40 years. 

Our individual credit scores are above 800. We always pay our balances in full and on time. We have numerous credit cards, including at least one with Synchrony itself.

Synchrony has responded to my written complaint. Its 3rd party subsidiary, XXXX XXXX, also has not responded to my written complaint. I tried to fax my complaint to the number provided on its complaint form, but the fax number did not pick up after repeated attempts. I sent the complaint by mail. ( see attached ). 

I am concerned that our credit rating may be affected by these two denials.

Moreover, we lost out on an opportunity save $ 1,000+ on a purchase at XXXX XXXX  XXXX and had to use a Mastercard instead ( MC, by the way, accepted the purchase on their credit card, but we lost the 10 % savings if we had received the XXXX XXXX  XXXX card. ) We are upset that there has been no response to our complaint about the denial and no effort to take a look more closely at how the reasons given for the denial do not match US. 

Please help. Thank you!
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (GA)

I have been working on my credit for the last few months and recently came across a card that I believed I opened when I was XXXX or XXXX. It was a secured card and the first 3 months I paid for it. I stopped using it because at the time my mother who did not understand credit told me to. I believed I was paid up before I stop using it. Ever since I was made aware I have tried to rectify the issue by contacting them through the mail and have not heard anything. The total amount is {$220.00}
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (AL)

I opened U.S. Bank Business Leverage Visa credit card on XX/XX/2020. I spent about {$13000.00} on the card in three months and earned XXXX points, but US bank closed my card without any valid reason in XXXX. I did nothing wrong in accordance with the terms of the US bank Cardmember Agreement. I called US bank multiple times to get back my XXXX forfeited points, but I received no answer. This is absolutely unacceptable.
Consumer complaint received 2021-05-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/XXXX, we woke up to our vehicle being gone. We called the police thinking it was stolen. they were able to tell us it was repossessed. We were dumbfounded. Neither my husband or myself were notified by Suncoast Credit Union that our loan account was just {$660.00} dollars past due. No one at Suncoast notified us, although they stated they did. I have no messages in an email, on their app, phone calls, nothing. I wrote a letter, which I've attached, to their corporate office because we were embarrassed, we paid off the amount owed, plus a lot of repossession fees, that day, XX/XX/XXXX. I received a call from Suncoast Credit Union re : my letter. The Suncoast representative pretty much told me they didn't care. I will not have a loan with them going forward. We were less than {$1000.00} past due, they didn't let us know and we have bad credit due to this. Luckily, we were able to trade in and have the loan paid off on XX/XX/XXXX. This has never happened to either of us. They did not contact us and they should have. Especially over {$660.00}. I don't my believe my Credit should have such a low score due to something I didn't know about until it happened. and we paid it right away when we found out. Please consider this dispute, as Suncoast Credit Union really hurt our credit, humiliated us and never contacted us. I truly appreciate it. XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (MN)

TCF Bank announced earlier in XXXX that they would begin charging a {$4.00} fee for paper statements in XX/XX/XXXX. This fee would not be charged if signed up for online statements. On XX/XX/XXXX, I contacted TCF Bank to ensure that my account was signed up for online statements. XXXX responded via secure message on the TCF Bank website stating I was indeed signed up for online statements. 

On XX/XX/XXXX, I was charged {$4.00} by TCF Bank. When I realized this on XX/XX/XXXX, I immediately called and spoke with a female ( she did not provide her name ) who said she would reverse the charge and make sure that I was signed up for online statements. I questioned multiple times for assurance that I was signed up and would not be charged this fee again. She assured me and said she wrote it in her note about the call that I would not be charged this fee again. This fee was never returned, despite her saying it would be. 

On XX/XX/XXXX, I was again charged {$4.00} by TCF Bank. So now I have been charged {$8.00} by TCF Bank despite being assured multiple times that I would not be charged. 

They have a link on their phone app that says " sign up for online statements. '' After clicking this, nothing happens - their link is either broken or purposely made to not work. Once clicked, it goes to a " website thinking '' webpage and never leaves. Their internet website has no link to this what-so-ever. I feel TCF Banks actions are ILLEGAL and PREDATORY in order to steal money from their consumers. 

I have attached the initial response from XXXX I received in the TCF Bank Secured messages.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I have a Citi Cards AAdvantage XXXX XXXX Mastercard. I had the card hooked up to XXXX. Without any notice CITI started charging fee 's on XXXX transactions as though they were cash advances. They are not cash advances. I am paying for a service. When I called Citi they said it is a Mastercard ruling and refused to help. They gave me no notice of this change and made no offer to reverse the exorbitant fee 's and charges.