davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I initially opened a case with the agency, case number XXXX, regarding fraudulent and inappropriate billing practices by Lowes store credit card operating under synchrony bank. While I was issued a refund, I have since been charged an additional {$2.00} fee, despite having closed my account. Synchrony Bank is engaging in predatory billing practices, imposing unjustified fees that burden customers and potentially harm their credit. This additional fee should never have been charged. I urge you to investigate this company 's inappropriate billing of consumers and take necessary action to protect customers from such exploitative practices.

Thank you for your attention to this matter.
Consumer complaint received 2024-08-27
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: World Omni Financial Corp. (FL)

I am writing to formally request an investigation into the credit reporting practices of XXXX and XXXX. After a thorough review of my credit reports, I have identified several inaccuracies related to the following accounts : XXXX XXXX XXXX XXXX XXXX  : Account Number XXXX Upon review, I noticed that critical information such as the open date, the date last active, and the date of last payment are inconsistently reported across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Furthermore, I have identified additional discrepancies that I believe warrant immediate correction : Charge-Off Balance Reporting : One of my accounts, listed as a charge-off, is still showing a balance even though it was sold to a debt collector. This is inaccurate reporting, as the original creditor no longer owns the debt. The balance should be listed as XXXX, particularly since I have not received a Form 1099-C for cancellation of debt income, which is required for tax purposes when a debt is canceled.

1099-C Reporting Issue : In my communications with XXXX, XXXX was informed that I would receive a 1099-C when the statute of limitations expires. However, if the creditor has already reduced their tax burden by reporting the charge-off to the IRS, I should have received a 1099-C to include in my 2023 tax filings. The fact that I have not received this form raises serious questions about the accuracy and legality of the continued balance reporting on my credit report.

Given the discrepancies and the potential legal ramifications under the FCRA, I respectfully request that the CFPB conduct a thorough investigation into XXXX and XXXX 's reporting practices regarding these accounts. I urge you to ensure that all inaccuracies are corrected, including the removal of any improperly reported balances on charged-off accounts. 

I trust that the CFPB will take swift action to uphold the integrity of the credit reporting system and to protect consumers like myself from the damaging effects of inaccurate credit reporting. 

Thank you for your attention to this urgent matter. I look forward to your response and to the prompt resolution of these issues.
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (IN)

I currently have a loan that is past due with OneMain Financial. XXXX from the XXXX XXXX has called many days at least 3 times a day & sometimes even attempted to call my work. He would call Monday to

Friday usually 2 to 3 times a day. Sometimes even trying to call on Saturday. I explained to him on multiple occasions I had many health issues and I was struggling and do my best to make payments. Recently he did stop calling and that was such a relief.

I then decided after the many times of harassment I would try to make things right. I called from the letter. I was told that XXXX didnt have control over how many times he called it was just a company policy. So I was curious of the laws on this. It seems that when trying to collect a debt a company should a most call a company 7 times in a 7 day period. XXXX by far exceeded that many many times. 

Nobody deserves to be harassed in such a manner. When I worked on making a payment arrangement with one main today I told them I no longer wanted to be harassed by them.
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (FL)

I went to the store to purchase a mattress. We decided upon a model and the sales person asked me to fill some information to check how much I credit I would have to purchase it. The person never mentioned opening a credit card. Just a credit check. After a while and we decided to cancel the purchase as the sales person was very pushy. We told her and left the store. A few days later a credit card from the store arrive at my address. I called and requested it canceled. They said it was done but I am waiting on confirmation.
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GATEWAY FIRST BANK (LA)

Amended complaint re : XXXX Escrow analysis for Gateway Mortgage Acct no. XXXX XXXX XXXX XXXX XXXX XXXX ; complaint id : XXXX According to Gateway Mortgage 's records, and mine, my property taxes have not gone up from XXXX to XXXX ( see attached ) and property taxes for XXXX have not yet been issued. 

Gateway 's own records indicate that in XX/XX/XXXX, it made an escrow disbursement on my behalf for my homeowner 's insurance in the amount of {$2700.00}. Their records also indicate that in XX/XX/XXXX, Gateway will make a disbursement to XXXX XXXX ( again for my homeowner 's insurance ) for the exact same amount. If that's true, there is no increase in my homeowner 's insurance. Thus, there is no basis for a " shortage payment '' of $ XXXX. At the very least, they have not shown where the increase is coming from. 

Also, I do believe I have a new provider for hazard insurance. Who is that? I dont think it is still XXXX XXXX as they indicated. Did they pay the wrong insurance provider? 

Also, their escrow analysis indicates that I have to pay an increased " escrow payment '' of {$54.00} per month. Why? I can not find an explanation for this and none has been provided to me. 

If I have a total increase of $ XXXX. That's a total increase of {$1300.00} for the year. Yet, Gateway claims that I have an " escrow shortage '' and that if this shortage is spread out for the year it equals to a total yearly shortage of {$700.00} ( and not {$1300.00} ). That makes no sense. 

Further, Gateway 's records of my " escrow account history '' indicates that from XX/XX/XXXX to XX/XX/XXXX, they projected that I would pay only {$4700.00}. However, their records also indicate that for this same period, I actually paid Gateway {$6200.00} ( meaning I paid {$1500.00} more than what the company projected. So, if anything I should have a surplus. 

Finally, instead of receiving any correspondence or even a phone call explaining the purported shortage I owe, I received a notice indicating that Gateway has charged me a {$78.00} " accrued late charge. '' See attached. This screams unfair business practices in my opinion and I believe that if someone at Gateway would simply call me, this could be sorted out.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (CA)

Ive had this credit card for several years when it was first Ollo then switched to Ally. My monthly payment is due on the XXXX of every month, I sent my payment through the bank on the XXXX and it didnt clear until the XXXX which is still within five days. Ive never been late on any payment. I received two text messages stating that I had until the XXXX to make a payment to stay in good standing. My payment already posted on the XXXX, I looked at my credit statement and the company charged me {$29.00} for a late fee. I contacted Ally to have the charge removed and instead of having the charge removed or any compliance with California Finance laws 4001, the employee instead was absolutely insulting and argued with me the entire phone call. I will be closing my account and never do business with Ally. I have the phone call recorded along with text messages from the company
Consumer complaint received 2021-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (FL)

Upon learning that this collection account was reported to my credit report, I contacted the collection agency to first validate the debt and second to provide me with my signed HIPPA authorization letter giving them access to my medical information. I provided to the company a copy of my EOB ( Explanation of Benefits ) showing the claim was processed and paid in full. I also reached out to the Medical provider to validate that the account should NOT be in collections. I was told by the company that the EOB is NOT enough validation for them to be satisfied that the debt is not owed. I feel that my consumer rights as well as my Medical Privacy has been violated.
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am writing to dispute the inaccurate information on my credit report that has negatively impacted my life. Specifically, I am disputing the information reported by XXXX XXXX XXXX  ( account number XXXX ) that states I was 60 days late on XX/XX/XXXX when I did not miss any payments on the account. 

These inaccurate reports have caused me significant emotional distress and have made it difficult for me to obtain credit and loans at reasonable rates. Despite disputing the inaccurate information with the credit reporting agencies ( CRAs ), no action has been taken to correct the errors. 

I believe that these actions by XXXX XXXX XXXX and the CRAs violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically, I believe that the following sections have been violated : Section 607 ( a ) of the FCRA, which requires that CRAs maintain reasonable procedures to ensure the accuracy of the information in consumer reports. The inaccurate reporting by XXXX XXXX XXXX could be seen as a violation of this section. 

Section 623 ( a ) ( 2 ) of the FCRA, which requires that CRAs promptly investigate disputes filed by consumers about the accuracy of their credit reports. Despite disputing the inaccurate information, no action has been taken to investigate and correct the errors, which could be seen as a violation of this section.

Section 623 ( b ) of the FCRA, which requires that CRAs provide consumers with a free copy of their credit report once every 12 months upon request. Despite requesting a free copy of my credit report, the CRAs failed to provide me with one, which could be seen as a violation of this section.

Section 312 of FACTA, which requires that creditors and financial institutions implement procedures to detect and prevent identity theft. If the creditor failed to implement adequate procedures to prevent the inaccurate reporting of your credit information or to prevent identity theft, this could be seen as a violation of this section. 

In addition to these violations, I would like to share how these inaccuracies have affected my life. I have been denied loans and credit cards due to the inaccurate information, and have been forced to pay higher interest rates and fees. This has caused significant financial strain and stress, and has made it difficult for me to achieve my financial goals. 

Therefore, I am requesting that XXXX XXXX XXXX remove the unverified account from my credit report, and that the CRAs promptly investigate and correct the inaccurate information. I believe that enforcement of the legal requirements is necessary to ensure that creditors and CRAs accurately report credit information and protect the rights of consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

I filed a dispute with chime and they immediately declined it saying it was authorized after I told him that it wasn't authorized this transaction appeared a year later after I did business with this merchant chime could at least charge the transaction back and find out what they have to say about it because if they don't respond within 60 days then the credit is mine I don't know why they're charging me I contacted the company and they don't have any information on why they charged me and so I went through the bank and they said they've been provided documentation that I authorize the transaction but they will not provide that information to me which makes me believe that they never got any information they're just declining it for the fact I want my money back I want them to do their job this is my second time complaining to them if they don't follow regulation e they should be subject to find why are you all not following through with this this is frustrating I may take this to social media
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TN)

I am filing a complaint against SoFi Bank for multiple violations of federal banking regulations and unfair practices : Violation of Regulation E : On XX/XX/2024, I filed disputes for 17 transactions totaling {$940.00} related to fraudulent activities where I did not receive goods or services. 
As of XX/XX/2024, SoFi has not provided provisional credit as required by Regulation E 1005.11 ( c ) ( 2 ), which mandates provisional credit within 10 business days if an investigation can not be completed. 
Disputed Transactions : XXXXXXXX XXXX XXXX on XX/XX/2024 - Amount : {$100.00} XXXX XXXX on XX/XX/2024 - Amount : {$100.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$50.00} XXXX XXXX  on XX/XX/2024 - XXXX : {$50.00} XXXX XXXX XXXXXXXX on XX/XX/2024 - Amount XXXX {$15.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$50.00} XXXX XXXX on XX/XX/2024 - Amount : {$15.00} XXXX XXXX on XX/XX/2024 - Amount : {$50.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$100.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$85.00} XXXX XXXX on XX/XX/2024 - Amount : {$25.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$30.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$100.00} XXXX XXXX XXXX on XX/XX/2024 - Amount XXXX {$50.00} XXXX XXXX on XX/XX/2024 - Amount : {$30.00} XXXX XXXXXXXX XXXX on XX/XX/2024 - Amount : {$65.00} XXXX XXXX XXXX on XX/XX/2024 - Amount : {$25.00} Lack of Communication : SoFi has not provided any updates on the status XXXX XXXX disputes since the initial acknowledgment on XX/XX/2024. 
Inconsistent Information : I received conflicting information from XXXXoFi representatives about the timeline for dispute resolution and eligibility for provisional credit.

Poor Customer Service : Initial attempts to contact SoFi resulted in 1-2 hour wait times on the phone and repeated crashes of online chat support.

The dispute filing process was inefficient, taking 2.5 hours due to the representative 's inability to process disputes based on transaction numbers. 
Financial Hardship : The withholding of funds has caused significant financial strain. 
Potential Systematic Issues : Review of other consumer complaints suggests these may be systematic issues in SoFi 's dispute resolution process. 
I have attempted to resolve this issue directly with SoFi but have not received a satisfactory response. I request that the CFPB investigate these practices and take appropriate action to ensure SoFi 's compliance with federal regulations and fair treatment of consumers.

Documentation of all communications with SoFi is available upon request. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

Got this card from Synchrony Bank when I got an Air Conditioner unit for my house. Started to receive the paper statements for {$310.00} a month, which I was paying always on time, then a couple months ago, they sent me a notification that they were giving me the choice of having paper statement for {$1.00} or having my statement on my email and avoid the charge. I do not check my emails often and called them when my statement showed the {$1.00} charge. The Customer Service agent did not care much when I said that I was not going to pay such charge and ended the conversation. I submitted the {$310.00} for the payment for last month and to my surprise, my next statement came with a penalty of {$30.00} plus the XXXX. I have paid such charges but I consider this very unfair and would like them to credit those fees ( {$31.00} ) and continue to send me the paper statement on a monthly basis, so I can budget myself to pay on time, as usual, I never had any trouble with any financial institution and consider this an abuse from them!! 
XXXX XXXX, XXXX, XXXX
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (LA)

I had asked asked the XXXX XXXX XXXX ( an organization for XXXX XXXX for help making a payment and was approved. On XX/XX/XXXX I asked them if santander has received the check. I was told they had recieved and cashed it, but had not posted to our acct. I gave till XXXX while letting santander know they were receiving a check from XXXX. Santander couldn't find check and asked if a picture of front and back of check, amount ( which was {$620.00} ), our acct XXXX for information. I told them I would have to reach out to the XXXX which I did and part of their team said they would send that information to Santander. Again now Santander couldn't find that fax. I have been back and forth with then and letting XXXX know what's going on. Check still not found but have had them calling me about payments
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Onity Group Inc. (PA)

I have agency government fees of {$15.00} charged to my escrow account again. I send my tax bills directly to PHH mortgage immediately upon receipt and have been for 10 years. I called PHH today XX/XX/year> and they were going to look into this matter. I made several attempts to contact the tax collector about the fees via email with no response to date. This is fraudulent activity on my escrow account as I never authorized additional fees for unnecessary actions. Tax collector is XXXX XXXX ... XXXX : XXXX XXXX
Consumer complaint received 2024-09-28
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AZ)

On XX/XX/year>, the Federal Student Aid Office of the Department of Education notified me that I was eligible for PSLF on my remaining 4 loans and would instruct Mohela to discharge the loans. 

On XX/XX/year>, Mohela notified me that it had forgiven 3 of the loans, with no explanation why the 4th eligible loan was not included. 

On XX/XX/year>, Mohela confirmed that the single outstanding loan had 121 qualifying payments, but would not process forgiveness. This loan is now going back into repayment and Mohela is expecting me to make payments on a loan that should be forgiven.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am writing to formally address a serious issue regarding a wrongful levy on my personal checking account [ Account Number : XXXX ] at Bank of America . On [ XX/XX/year> ], my account was improperly levied, resulting in the seizure of {$5300.00}. This action was conducted without proper validation or review of the underlying court order.

Upon reviewing the court order associated with this levy, it is evident that the order pertains to a different individual, not myself. This erroneous action by Bank of America has caused me significant financial distress and inconvenience. The funds in my account are essential for my daily living expenses, and their wrongful seizure has created undue hardship.

Thank you for your prompt attention to this urgent issue.
Consumer complaint received 2024-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (IL)

I signed up for a loan of {$700.00} on XXXX. I logged into the portal only to realize the Annual Percentage Rate is 546.47 %, for {$2000.00}. So I have to pay a total of {$2700.00}. This is outrageous and should be illegal. This company is scamming people.
Consumer complaint received 2024-08-26
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: Bread Financial Holdings, Inc. (CA)

I am requesting that Comenity Bank provide the advertised XXXX XXXX status to me. In XX/XX/year>, Comenity Bank invited me to apply for the XXXX XXXX card and promised me XXXX XXXX status for spending {$5000.00} in the first 90 days outside of a XXXX XXXX  destination, so I applied. Comenity Bank approved my application. I spent {$5000.00} in the first 90 days outside of a XXXX XXXX  destination. Comenity Bank did not provide me with XXXX diamond status.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc. (TX)

I opened a Skrill account and transferred {$7900.00} between XX/XX/year> and XX/XX/year> I tried to make first withdrawal to make a payment on XX/XX/year> Then they locked my account. 
Now it says " Your Account is Restricted '' and I can not do any transactions. It has been a month and my {$7900.00} is hostage with them. 
I sent support requests. Other than the automated message, there are no updates. 
I talked to them once and they said they will resolve in 2 days but there was no message or no resolution. 
Later I tried to call them XXXX times, spent more than XXXX hours on hold combined and unable to make a contact with them either by email or phone. 
Very concerning.