davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (ID)

I have a previous complaint with Synchrony Bank because when I got my Credit Utilization to 30 % on my Lowes card I received a letter from them stating they were lowering my Credit Limit. It dropped my Credit Score almost XXXX points because it then showed my utilization 98 %. The response from Synchony in my complaint is they randomly pull credit scores and adjust limits when they pull credit. 

XXXX XXXX I received a letter from Synchrony Bank for my Synchrony Bank Discount Tire Card. I recently paid it down to 30 %. My balance on the card was {$620.00} and my limit was {$1700.00}. My letter on XX/XX/XXXX stated they were lowering my limit to {$650.00}, which again puts my credit utilization back up to 98 %, my score dropped XXXX points. The letter stated the same exact thing, a review of my credit caused my limit to be lowered. Well, I monitor my credit. On the day I got my card in XX/XX/year>, my credit score was LOWER than it was on XX/XX/year> AND my XXXX  was HIGHER. I have it all printed out. I also have the approval sent to me when I received my card. So how do they explain it NOW? 

I also PAID OFF THE CARD and have requested them to report to my credit the XXXX balance and the have refused. I disputed it on my credit reports with verification that it has a XXXX balance and I received my dispute back saying the information is correct and will stay on my credit. 

This is unfair credit practice and I am currently seeking out a fair credit attorney.
Consumer complaint received 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1 ) Date of Fraudulent Activity : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX  Reporting Agency : TRANUNION 2 ) Date of Fraudulent Activity : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX Reporting Agency : TRANSUNION 3 ) Date of Incident : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX XXXX Reporting Agency : TRANSUNION 4 ) Date of Incident : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX XXXX XXXX Reporting Agency : XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by XXXX XXXX. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 
ACCOUNT : XXXX XXXX XXXX.
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WY)

On XX/XX/XXXX I called Shellpoint Mortgage Servicing in order to get my tax lines adjusted based on the most recent tax assessment by the county. I have 2 parcels that are escrowed as part of my mortgage. The tax status on the parcels changed from Residential to Ag resulting in a lower tax assessment this year from previous years so I sent the tax assessment documentation to them via email as requested. However, my servicer has failed to update my tax lines and run another escrow analysis which would lower the escrow portion of my monthly payment. I have reached out multiple times since XX/XX/XXXX and now will be paying a higher mortgage payment because of a failure on their part to get the information updated in their system. 1 month is plenty of time to perform those tasks and I am really disappointed in how the situation has been handled and their lack of action.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (GA)

I was on XXXX looking at options for personal loans. I called one of the partners of XXXX who offered a pre-qualified loan. The entity was One Main Financial who I called to get information on the process and the steps if I wanted to submit an application to process for a loan. I never gave them authorization to pull my credit file. I received an email from One Main Financial stated that they denied my application. I didn't submitted information to that database to process a application. This submission was fraudulent done in tactics to harm my credit file.
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FACTUAL DATA CORP. (AR)

My bank pulled my credit report from Factual Data XXXX, CO., found that XXXX accounts that had been undated by XXXX on the XXXX credit report, had not been updated by Factual Data therefore causing a lower credit than what XXXX or XXXX has.
Consumer complaint received 2024-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (TN)

In XXXX of XXXX  I took out an auto loan from Navy Federal Credit Union, so that I can purchase a truck from my girlfriend. Her loan for the truck was also through XXXX XXXX. They said they mailed her the title once I paid her for the truck that she then paid off. We never got the title as I live with her. Fast forward 2 years, I was wondering why my loan payment isnt going down very much. So I had to search for the info on my interest rate. ( XXXX percent ). It was supposed to be around XXXX percent. I called XXXX federal and asked if they could lower it ( not knowing it was because they didnt have the title with them as lien holder ). They said I need a duplicate title with them as the lien holder. So we went and got a duplicate title put them as the lien holder and still nothing changed. Had to call again. They said it was because the XXXX didnt list them as the lien. Well they didnt say it that way the first XXXX times I talked to them. XXXX federal is a terrible credit union that cost me thousands of dollars in interest because I wasnt paying attention and they definitely did not want me paying attention. On top of all of this they are now starting to charge daily interest on their credit cards. Along with a {$XXXX.00} hold on the credit card when you want XXXX dollars worth of gas.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (WA)

IMPORTANT NOTE : I have durable power of attorney for both parents and have provided proof of this to Hyundai Motor Finance. I have been dealing with HMF directly and they know that I am authorized to handle this matter. 

My parents are elderly, both XXXX. My father is XXXX-XXXX  and suffering from reduced XXXX  XXXX  after multiple XXXX. My mother has had multiple XXXX  accidents and has been victim of a crypto scam. 

When they went to return their vehicle at the end of its lease, the XXXX dealer talked them into a new three-year lease on a very expensive vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX payment ). When I found out, I contacted the dealer and tried to have the deal reversed, of course to no avail. I even offered to try to refinance at a lower price offering my XXXX XXXX in trade. I spoke with the dealer twice. Both times he promised to return my calls with an offer and did not. 

I then got in touch with Hyundai Motor Finance to see if I could add my name to the title as registered owner. That would allow me to insure it and drive it and take over the payments from my parents. Hyundai Motor Finance has refused. I have been able to escalate XXXX level, but keep getting refused. 

I am trying to get XXXX their money on a predatory lease which my parents can not afford. But I can not make payments on it if I am unable to insure it and drive it. My insurance company will not honor claims unless my name is on the title. 

At this point I am stuck making very expensive payments on a vehicle that is going to sit parked for the entire lease term. I have contacted the XXXX and they say it is very easy and common to add another name to the title, if the leasing company agrees. I have power of attorney for both parents and have forwarded that paperwork to Hyundai Motor Finance. 

At this point I am stuck trying to protect my parents from this predatory lease and neither the Hyundai dealer nor Hyundai Motor Finance will do anything to assist. They have all the power here because they took advantage of XXXX elderly people who cant and should not drive and have their signatures on the lease agreement. 

I have repeatedly asked Hyundai Motor Finance to escalate but they remain silent, by email and phone. Is there anything you can do to help here? 

Thank you.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a BOA credit card account, I was trying to set up the account to have an automatic payment withdrawn every month. I had issues with their website getting this setup, I tried to call their Customer Service on XXXX occasions, only able to get through without over a one hour hold on one occasion. When I was setting up this account for an automatic withdraw their was no payment due, while I was setting up this account, it appeared like the website was struggling, it wouldn't save any information. To my surprise, I found out that even though I couldn't reach any help through their XXXX number, and no chat worked, I was charged for a bogus payment, even though I made every human effort to contact them. This is a scam, a large company that doesn't invest enough in service going after a working person. Please feel free to call XXXX, like I said I only ever got through one time out of twelve, it was really disappointing when I tried to call them when the issues were clearly on their end.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, I got a text saying there was a suspicious activity on my account from " Bank of America ''. I then received a call from Bank of America ( an actual veruified Bank of America XXXX ) asking me to verify the activity. The man on the phone said he had to shut down my card and pin and send me a new one. Then he had me give him XXXX codes over the phone, and XXXX I had to log into my account and put it in to confirm it was me. Then he gave me his phone number ( XXXX ) and a fake name. After that a transfer of {$5200.00} went through, I called him back on his actual number ( I think ) and he answered saying " Bank of America, how can I help you? '' I told him what happened and he said he would stop the transfer and gave me a fake claim code. I then called Bank of America 's number back a few minutes later to confirm my claim because this all felt suspicious. They had no record of any of this. They told me it was a scam and that because it was over 30 minutes, they could do nothing except file a claim with XXXX bank, who received my money. I filed a claim and the transaction still went through! I called XXXX and they said they could not help me. I filed with the FTC and police and no one is helping me! Bank of America says I have to wait 90 days and fill out some form, which they have not gotten to me yet. Now I have no money in my account. On top of this they charged me a {$30.00} transfer fee!
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (GA)

I paid off my PayPal Mastercard. The company took the money out of my XXXX  account. The company did not use the money to credit my account. The company continues to decline my purchases. The company says it is holding my money while not providing the escrow account. I am now unable to use the card, and the money is no longer in my banking account.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BANK OF AMERICA XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AL)

I opened up an account with navy federal in XXXX of 2023 with savings bonds. I don't know whether someone was watching me but I started have issues with unauthorized transactions made on my debit cards. I didn't catch it until a couple of months later. To make a long story short I had to change debit cards 5 times. People were still able to do transactions on cards that were supposed to be cancelled. I have been going back and forth with navy federal but they refuse to refund me my almost {$2500.00}. They even restricted my debit card use for 36 months. I even provided a police report I filed due to someone compromising my info. Nothing was done. They did give me a small refund for some of it but they declined the bulk of it. And even took back XXXX which overdrafted my account so they coded the account because I refuse to pay because it wasn't authorized.
Consumer complaint received 2024-07-23
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)

After almost a year of going back and fourth with Bank of America it is unfortunate I have yet to be properly assisted. When filing my complaint I explained in great detail how {$28000.00} of Edd funds and my bank card was used without my consent and how Bank of America failed to update my address after informing them of the change for months. After showing again proof of the wrong address, submitting two police reports, and re opening my claim Im still left with no logical answer. I last was assisted by XXXX XXXX a resolution specialist or regulatory complaints and was extremely disappointed when he closed my case after sending the same exact redundant documents thats been sent to me numerous times and were the reason I escalated this matter further. Ive asked for proof of my authorization something with a signature something with my correct addres and have only received a transaction list. I again did not consent to any of these charges nor did I allow anyone else too. I also did not reside in the address listed at that time which Ive also explained. I was also sent a document stating my claim was denied because multiple factors indicate the transactions were authorized by me. I would like to receive proof of the multiple factors other than transactions that do not prove nor provide proof of my authorization nor the identity of the person who made these charges. This ordeal has affected my business greatly and Im starting to feel as though me being XXXX plays a part in the lack of assistance from Bank of America. There is no logical way to print out a sheet of trasanctions and link them to me without any other proof and I would not be fighting this hard for something that was within my control. I do feel Ive been fairly treated, over looked, and racially profiled seeing as Bank Of American can not provide proof other than a transaction sheet to properly deny my claim. Ive also been given multiple other excuses such as I was denied for using the card after making a claim. This is false I was sent a new card and used the new card plus {$9.00} or so that was credited to me. I was also told my claim was denied because the address the card was sent to was my correct address on file. False the original card was sent to a XXXX location I live in XXXX and the newer cards were sent to XXXX  however the card with the disputed trsanctions were not sent to my XXXX  address on file. I would hate to have to continue opening this case, going public with this mistreatment, or to seek legal council. Ive spoken with many supervisors and customer service members at Bank of America that were just as confused about my denials as I. Everything I was told to submit I was able to. Bank of America unfortunately have no support proof or documents other than the same trasaction sheet which is redundant seen clearly the whole purpose of this is me disputing unauthorized transactions.
Consumer complaint received 2024-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I recently reviewed my credit profile and see that there is an inquiry from Bank of America on XX/XX/year>. I am not receiving any direct benefit from this unrecognizable credit inquiry. I request that it be immediately removed.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC. (PA)

I received a call from Santander ( XXXX ) on XX/XX/XXXX stating that there was fraudulent activity on my checking account. I then saw many fraudulent transactions from XXXX, XXXX, and XXXX XXXX, so I believed this was a legitimate call, especially since it came from Santander 's actual number - the XXXX minute call log is attached. 

The caller XXXX claimed they were a fraud investigator with Santander, badge # XXXX. He seemed very legitimate and professional as he was calling from the Santander number and knew my personal information such as my home address and account number, and my recent transactions. He had me transfer my money into my apple wallet in XXXX transactions ( {$1700.00} & {$1100.00} ) and then into a XXXX account in XXXX transaction ( {$2800.00} ) to protect my funds from future fraudulent purchases, stating that Santander would transfer the money back into my account after their fraud investigation. He had me delete the XXXX from my wallet after the fact, and I regretfully did not write down the bank account number. I now realize this was fraudulent, but it was very convincingly Santander at the time. There is no money in my apple wallet as he had me instantly transfer it to the XXXX account ( transaction attached - transaction ID : XXXX ). 

I opened a claim with Santander the following day XX/XX/XXXX ( # XXXX ), but they denied my claim. I followed up with them this morning XX/XX/XXXX to reopen the case but haven't heard back. I then got in touch with an Apple Cash agent on XX/XX/XXXX, who put me in contact with an agent at XXXXXXXX XXXX XXXX, who are in charge of XXXX XXXX. I was hoping to get more information about the fraudster 's XXXX account, but they did not provide me with any information. 

Santander did not do a good job protecting me from fraudulent activity. I do not know how the fraudster accessed my information as I did not lose my debit card or share my card/account information with anyone. I should not be held responsible for this fraudster and should receive my {$2800.00} back from Santander.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX I reached out to a company I XXXX  in search for a XXXX XXXX XXXX I put in my information to be reached out to about a kitten named XXXX and in response to the email. I was conversing with the owner of the website and we were talking about ownership of this cat so we emailed back-and-forth about my qualifications of owning a XXXX and if Id be a good fit and I met the qualifications so we exchanged information and the cat was XXXX $ and she told me it would be XXXX $ total cause she was located in Oklahoma and she needed to transfer the cat out for extra {$200.00} and to XXXX her the payment and then we will get my paperwork started, so I XXXX her the money and she sent me over to a cat courier to deliver the cat to me within XXXX hours and when I was emailing this courier back XXXX is the companys name they initiated that I needed to send an extra {$850.00} through XXXX that way they can get the cat out to me in a safer environment for the cage thats what I noticed that I was being scammed because the lady before told me it will only be a set price and that was it so I emailed her back and I asked her to send me back my money because I no longer wanted parts of this and I wanted to get my money back that way, I can go further into get my cat and she blocked me on all communications and I follow dispute with my bank three times and each time I was denied because yes I agreed to the transaction but I didnt know her website and she was fraud until after the fact, so Im basically just trying to get my {$700.00} back from my bank and they are not helping with the investigation I sent phone numbers and website information of this company that they are fraud and scamming I also sent information to the XXXX XXXX XXXX and report them as well. I dont know if I need to file a police report or what do I need to do next but I need my money back. I have emails. I have phone numbers from both businesses that are scamming and fraud, but no ones asking me for my information I bank with PNC bank XXXX is the scam website XXXX XXXX is the scammers name