davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MI)

I open my Care credit account for the purpose of taking care of medical bills and medical fees. Purchases were supposed to be interest free until the promotional balance expired- if there was an expiration on those purchases. CareCredit has not been forthright with payments I made to them I've made multiple payments within the same month sometimes over the course of my account opening. Those payments were to be made towards the promotional balance on my account. The website does not allow consumers to pay towards those promotional balances and it is an inconvenience to call customer service to do so when there is a website available. Upon calling an agent, the services do not allow you pay towards promotional balances either, you must be routed to a customer service agent. I also noticed on my personal profile on the website all of the promotional balances are not listed. Rather they are expired, or terminated. The payments that I've made over the course of a year were supposed to be applied to the promotional balances specific to the listed dates. I applied for those credits to be applied over the phone today. Had those payments I made towards the promotional balance been applied I would not have been charged the high interest rates that exceed the balance on the promotion owed. CareCredit has been decitful in their tactics on listing all promotional balances and I want my card payment security fees waived for the course of the contract term if my application is not approved. There is no point of being charged for a service that was not utilized and therefore should not reflect in the rates and charges on my account- regardless to the terms and conditions, the practice is unjust especially when it effects the balance on the account. The promotional balance does show up on the statements but it does not show on the websites mobile or desktop. The agent could not explain why or rectify the issue. 

This has caused the card to be over the limit and it is effecting my credit score. Had the payments been applied to the promotional balance the intrest on the promo balance wouldn't be so high ; resulting in me being entrapped with high interest rates.
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I wish to file a complaint against Synchrony Bank regarding MyLowes Rewards credit card.

Recently Synchrony closed my Lowes account stating that the reason was dishonored payments. 
The initial payment in question was made on XX/XX/XXXX in the amount of {$150.00}. This payment was never taken from my account by Synchrony. When I received notification that my account was being closed as a result of this payment, I contacted my bank to get the reason why as my bank account balance was sufficient to make the payment. 
My bank informed me that the issue was on Synchronys end and the reason stated by my bank was an issue with Synchronys POS system.

I then called the billing area at Synchrony and relayed the information provided by my bank. Synchrony however would not reinstate my account and reported the account closed to the credit bureaus. 
I then made the {$150.00} payment over the phone with the associate. 
Since the payment issue was a direct result of Synchrony and its POS system, I feel closing my account to be unfair. 
My XXXX payment made online on XX/XX/XXXX, again was not taken from my account by Synchrony and once again I received notification of my account being past due. This time, I made an appointment with my bank and sat down with a personal banker who expressed that Synchrony did not try to take the payment. 
I phoned Synchronys billing area on XX/XX/XXXX. The first associate I spoke with said that the reason noted in Synchronys records for the payment not being withdrawn from my bank was that my bank account details were incorrect. This could not be further from the truth as my account details have not changed and there was no issue with my XXXX payment being withdrawn from my bank account. However, I provided the associate with my routing and account number for comparison to Synchronys records, and she asked me to hold on, and then she hung up the phone. 
Calling Synchronys billing area back after the associate hung up the phone, the second associate I spoke with on SXX/XX/XXXX ( XXXX XXXX advised me that Synchronys records indicated that I had put a stop payment on the payment. Again, this is not true. I never requested my bank to put a stop payment on my Lowes account. 
Further, how could one associate give the reason that my bank account details were incorrect and another associate within minutes of my initial phone call give the reason that there was a stop payment made on my end? 
Synchrony is for whatever reason targeting my account. I have a 100 % on-time payment record with all of my creditors and the credit bureaus. I wish to formally file a complaint against Synchrony Bank 's unethical business practices.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

I simply updated my phone number today over the phone from ( XXXX ) XXXX to ( XXXX ) XXXX, first across all of my credit cards and secondly on my checking account. After updating all, I am still being prompted for a code to my phone number ending in XXXX. When speaking with a XXXX, they could not verify me in any other way ( no public record questions, etc. ) and simply said my phone number is too " new '' ( meaning too new on the account ) and that it would not be able to be used for XXXX weeks, meaning I would not be able to login to my account for XXXX weeks as I am being prompted for a code on my old phone number of which I do not have access to. It is ridiculous to lock customers out of their account simply because they are updating their phone number. The XXXX I spoke with is XXXX ( XXXX XXXX  XXXX ), and I spoke with him today, XX/XX/XXXX.
Consumer complaint received 2024-08-04
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. (FL)

Account reported later than 30 days and the payment was made on time since the payment was automatic. The company never communicated and reported the account at the latest in payment. There is inaccuracy in the reports. Opening day and payment days. Please request that the situation be resolved and the account be deleted.
Consumer complaint received 2024-10-18
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Michael J Adams PC (TX)

My bank account was garnished with a phone number to call. I called the number and they explained that my account was garnished on behalf of a court order. I agreed to set up a payment plan and signed the papers on XX/XX/XXXX. Two days after I signed the papers, they garnished money from my two other accounts. One personal and a joint account with my wife. I called and they said they garnished it by mistake and agreed to refund the money from the joint account. It's been over XXXX months and I still haven't received the funds and they can't give me a date on when it will be refunded. I feel they garnished the money to make it harder for me to keep up with my bills and mortgage. 
{$3900.00} from my joint account
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, I visited a Chase branch drive-through to deposit funds into my daughter 's XXXX  account. During the transaction, the teller requested additional identification, which led to an escalation involving the branch supervisor. The interaction was handled rudely, and I felt that the staff were unnecessarily confrontational. 

On XX/XX/year>, I went to the same branch to make two withdrawals and inquire about account balances for my XXXX XXXX XXXX accounts. Despite my long-standing and responsible history with Chase, I was treated with hostility and suspicion. The teller and branch manager refused to complete my transactions, accusing me of fraud and making discriminatory remarks. As a result, all XXXX of my XXXX XXXX  accounts were abruptly closed without prior notification or adequate explanation. 

The actions taken by the bank included : On XX/XX/year>, the teller requested excessive identification and involved the supervisor, creating an unpleasant and confrontational atmosphere. 

On XX/XX/year>, I was accused of fraud, and my accounts were frozen and closed. 

I was informed that the closure of the accounts would begin on XX/XX/year>, and could take up to XXXX days, with a cashiers check to be sent to me. 

The situation has caused significant disruption to my XXXX  educational funding and considerable emotional distress for my family.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (IN)

On XX/XX/year>, I sent a validation letter to General Revenue Corporation. Before this debt appeared on my XXXX credit report, I was never notified about it. I wasnt given the chance to dispute it, and I don't recognize the debt they're trying to collect. This company is not following FDCPA and FCRA regulations.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ben Franklin Finance LLC (AR)

I applied for a XXXX  loan through Ben Franklin Finance to do XXXX XXXX. All the XXXX  were on line, no books only the computer. When I started the XXXX XXXX which I did not finish due to the XXXX  not speaking fluent english. I couldnt understand anything she was saying. I never enrolled into another XXXX. but I was continuing to get charged but I never saw a dime of the money, It stayed with Ben Franklin. I stopped making payments. Im not the only person they have done this to. They have had many c/o fraud with the XXXX XXXX XXXX . 

In accordance with the Fair Credit Reporting Act the following Creditor has violated my rights under : 15 U.S.C 1681 section 602 A states " I have the right to privacy. '' 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish as account without my written instructions. '' Ben Franklin Finance
Consumer complaint received 2023-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

XX/XX/XXXX, I attempted to make additional payments of {$190.00} and {$64.00}. The XXXX system was unable to supposedly unable to process because of software problems. I assumed the payments had been canceled. Low and behold, the payments were processed and deducted from my bank accounts. I called a XXXX and explained the situation. She advised that payments would be credited to my account via ACH just as they were originally charged. Well, this was a lie. I called an spoke to another agent who advised that this was not their procedure and that a check was mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received said check. I called again and spoke to a 3rd agent. Her response was that it would take 10-15 day to receive via USPS. Seriously? I recently mailed a letter to XXXX that was received within ( 3 ) days. 

Is the XXXX check going around the world or being delivered via XXXX XXXX? After receiving the message that the payments weren't going to be processed, I applied this money toward other bills. I am now having to used credit cards to pay for groceries and other personal items. I explained this to Agent # 3. Her response was they could cancel the check and apply the funds back toward the account. She said they couldn't cancel the check and process another because it was not withing their time parameters. 

I told her they should cancel and either XXXX or XXXX me a replacement. This was not an option and if so, I would have to supply them with account numbers and billing information. Really? They inconvenience me and expect me to make payment? As a goodwill gesture, they should bear the cost of expediting a replacement check. So now I am supposed to wait for the original check to be delivered ( whenever that might be ). 

This is not the first time I have problems with XXXX FS. But, it will be the last as I am going to trade the XXXX for another brand vehicle. 3 purchases from XXXX and this is the treatment I receive. Unacceptable, but I am at their mercy, even if they are incompetent.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Attached is a copy of XXXX XXXX XXXX asking Equifax XXXX XXXX to delete this XXXX. Account number XXXX, this transmission took place XX/XX/year>, again this transmission was transmitted XX/XX/year>, XXXX ID XXXX.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Phone number they call from varies, but the phone number today is XXXX. They keep getting caught in my spam filter, so they WILL NEVER reach me. I do not want to receive calls from them, as I do not know why they keep calling. 

if they say I owe a debt, they MAY ONLY communicate with me via USPS. Debt validation is required, along with PROOF that they rightfully own the debt. I will not accept any previous billing statements as proof they own the debt, if I even have one, also, the balance, payment history, and name of original creditor is demanded. I don't know why they are even calling me.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

I originally filed a complaint about this debt collection XXXX, as it does not belong to me. I asked for anything showing it was mine. The company stated they sent me documentation, but nothing was sent. Under the Fair Credit Reporting Act, this company has 30 days to respond, and they have yet to. This is not my debt. I do not owe them anything.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2024-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IA)

Cavalry SPV has on my credit report a XXXX charge on my account. They sent me court papers with the name XXXX XXXX. My signature was nowhere on these documents. The collection agency bought information illegally without my approval. I do not owe this debt and want it off my credit report immediately.
Consumer complaint received 2024-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION (MO)

I have a Regions Bank HELOC where I make advances, use the money for an undefined amount of time, and then request a paydown to bring the balance down to XXXX. I pay off the amount that is requested in the letter and Regions follows up with asking me for additional money. This has happened three times this year. With this most recent transaction which I will provide documents for I have a Paydown letter dated XXXX with an amount good through XXXX. I took to the local branch a certified check on XXXX matching the requested paydown amount. I asked the local branch if I will owe anymore money and she said no, you've paid the amount on the letter. I've now gotten my statement and Regions is asking me for an additional {$7.00}. The first two times Regions asked for additional money, I worked it out with the local branch and was credited the amount requested. I am still working with the local branch as to why every time I paydown the account to XXXX Im asked for additional money, but they have yet to provide a satisfactory answer. The most recent answer is that the additional interest is based on the average daily balance calculation. I feel as though the computer system should know at the time of requesting the paydown what the average daily balance is and they should never be asking me for additional money if Im paying down the balance on the day the letter is requested for. ( In this case, there was one initial advance with no additional transactions that occurred. ) The first time I wanted to paydown the account, I accidentally ordered a payoff from them. The amounts on the paydown and payoff were the exact same, so that tells me that the computer calculates both the same way. The practices of Regions Bank regarding paying down a balance followed by charging additional interest is fraudulent. If its happened to me, its happened to thousands of people and unless Regions can explain specifically why they charge additional interest, I feel as though this could be highly illegal and a way to earn additional money from unsuspecting clients. Being Ive been in the same situation three times this year tells me that their system is doing the same thing with every customer who pays off or pays down their account. I cant imagine how many tXXXX XXXX XXXX XXXX XXXX  Regions Bank makes by having this deceptive practice in place. My guess is that most people just pay the additional money without thinking twice as to why. This practice needs to be brought to the attention of someone outside of Regions because nothing has changed this year after each of the times its happened to me. ~ I got final word that their mortgage department doesnt typically agree to credit the additional interest amounts.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have for over a year ( XXXX ), and I have been asking/requesting XXXX  XXXX to remove the unrestricted block on the accounts I paid off and place them back in active status. Also, I have asked/requested that the financial institution remove the many late fees they have continuously placed on my account during these unforeseen financial hardships I have experienced. The bank representatives have refused to assist or work with me during these challenging times. This has mentally and emotionally affected my health and financial credit profile.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

My Wells Fargo bank account was closed without my authorization or knowledge. I called customer service. I learned that the bank incorrectly identifies me as the beneficiary of the account, not the owner. Based on this, they said they could not discuss the reason for account 's closure with me and told me to resolve in a branch. I then requested the matter be escalated to a manager and asked the rep for her ID number to reference as all parties investigate. She repeatedly refused, providing the name XXXX. I then mentioned rights advocated by CFPB and, after putting me on hold, she then apparently received communications that led to the disclosure of an i.d . number XXXX. I once had a wells fargo mortgage. I once had a visa credit card with them. Both accounts were settled. I kept a checking and savings account open though no activity for a while. The acct was closed, as was my locked/deactivated credit card after balance pay off but I did not request " closure ''. I am however deeply concerned that after all the years I did business with Wells ... they still arbitrarily and incorrectly classified me as the beneficiary, perhaps confusing me with my late mother ( Our names are VASTLY different ) and they refused to be transparent with an ID number.