davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lyons, Doughty & Veldhuis, PC (MD)

On XX/XX/year> the collection company called XXXX ( Lyons , Doughty & Veldhuis P.C/XXXX  ) Who are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX sent me a fake letter trying to take me to court with no judge signature or no court date on here at all. Also, they used an existing court case number that has an existing case for other people who were not myself. This is unprofessional and is making my life hard. They are falsifying fake court summons to collect a debt.
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Made a purchase XX/XX/year> in the amount of {$24.00}, made a payment on XX/XX/year> in the amount of {$24.00}, however payment was returned due to incorrect bank account numbers. Multiple fees were charged XX/XX/year> $ XXXX fee, $ XXXX-interest, {$24.00} returned check charge, XX/XX/year> {$40.00} payment with a live person who stated all fee would be waived except {$15.00} plus original purchase amount of {$24.00} totaling {$40.00} which I paid and requested the account be closed. Today XX/XX/year> received a bill totaling {$33.00} with {$15.00} late fee and {$3.00} interest and {$15.00} pervious balance. This is unfair as I paid what I was told to pay in order to close the account with a live representative.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc. (CT)

On XX/XX/2024 XXXX Bank unexpectedly shut down my business account without providing any explanation. Despite my efforts to resolve this issue, their customer support informed me that they can not assist because I am no longer a client. I was directed to XXXX 's security team, which only offers an email contact and lacks a phone number. I sent an email to the security team and after days of waiting for a response, they finally got back to me and told me that they needed supporting documents or invoices proving that XXXX incoming wires to my business were valid transactions. On the same day, I responded to them with attached invoices proving that my wires were valid and legit transactions. It has been more than XXXX  days and I have yet to hear from them. This is an urgent issue for me and my business in order to provide for me and my family however they are not responding to me and not taking this seriously at all. My attempts to call XXXX again were met with my number being blocked. I urgently need clear communication regarding when I will be able to access my funds to continue operating my business.
Consumer complaint received 2024-08-26
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

ON XX/XX/year>XXXX  I RECEIVED SEVERAL LETTER THAT MY ACCOUNTS WOULD BE CLOSED FOR HIGH RISK AND FAILURE TO PAY. WHICH IS NOT A TRUE STATEMENT. MY JC PENNEYS ACCCOUNT WAS CLOSED WITH AN {$0.00} BALANCE. MY CARECREDIT ACCOUT WAS CLOSED WITH AN {$0.00} BALANCE. MY AMAZON ACCOUNT WAS CLOSED BALANCE {$840.00} CURRENT AND NEVER LATE. MY LOWES ACCOUNT WAS CLOSED BALANCED {$3600.00} CURRENT AND NEVER LATE. MY ROOMS TO GO ACCOUNT WAS CLOSED BALANCED {$3400.00} CURRENT AND NEVER LATE. THEN SYNCHRONY BANKS SAYS IM STILL RESPONSIBLE FOR THOSE ACCOUNT THAT I DIDNT REQUEST FOR THEM TO CLOSED. PLEASE HELP ME TO RESOLVE THIS SITUATION AND THANK YOU SO MUCH. 


MS XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights per 15USC-1681-602-604A SEC 2 : I have a right to privacy thus a consumer report agency can not furnish an account without my written instructions.

In accordance with 15USC 0 1666B : A creditor may not treat a payment/Credit Card account under and open ended consumer plan as late for any purpose. 

XXXX. XXXX {$3400.00} DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX. XXXX XXXX {$430.00}. XX/XX/XXXX XXXX. XXXX {$3300.00}. XX/XX/XXXX, XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX {$8400.00}. Charged off {$6700.00} XXXX XX/XX/XXXX XXXX. XXXX. {$98000.00} Charged off XX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (TX)

I am writing to formally complain to Wells Fargo Bank regarding the recent mishandling of my account and the subsequent distress and financial harm I have suffered as a result. 

My account was closed under the pretext of " misuse '' despite all credits being issued by consumers, which I believe was unjustified. Throughout this ordeal, I encountered a series of troubling interactions with Wells Fargo representatives who were unhelpful and exhibited rude and morose behavior. Their unprofessional conduct exacerbated my distress, resulting in significant emotional suffering. 

Additionally, I experienced a severe issue with a lost deposit that led to extensive damages. The check was correctly sent to Wells Fargo and was misplaced by the bank, resulting in a 10-day delay before the funds were made available to me. This delay had catastrophic consequences, including late payments to my creditors and, most critically, my rent. As a result, I was nearly rendered homeless, with no recourse or place to go. 

Despite numerous attempts to seek resolution through Wells Fargo 's customer service channels, I have yet to receive a satisfactory response or remedy. Wells Fargo 's lack of action and accountability is unacceptable and has only compounded my distress.
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Systems International, Inc. (TX)

threaten to take me to jail and damage my credit I have asked them on multiple calls to please provide me documentation, and to stop calling my job and how did they get my credit information and also who gave them my work number. the call will not stop. and I have never had a account and wan them to stop harassment to stop. they are trying to make me loose my job. 

Individual Account Date reported XX/XX/year> Account status Unpaid Creditor Classification Utilities Original amount owed {$340.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/year> Agency CREDIT SYSTEMS INTERNATIONAL INC Status date XX/XX/year> Delinquency Date of last payment Balance owed {$340.00} Comments None Balance date XX/XX/year> Date of first delinquency Agency contact information CREDIT SYSTEMS INTERNATIONAL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

This account has been on my credit since 2020. They are reporting as normal debt agencies report, but are also reporting that my payment is late every month. I have never entered a payment plan with this company and would not have the possibility to have a late payment. I need this to be removed from my payments.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (PA)

On XX/XX/XXXX the CARES act was passed which suspended payments for federal student loans. I had a small amount left on my federal student loans but i took the opportunity to keep cash in my checking. A few months later I checked my credit score and see that my federal student loan accounts were listed as delinquent. It was and still is hurting my credit. Since it was not a lot of money I paid off the entire balance in XXXX of XXXX. Now it is sitting on my credit score as " closed '' and " delinquent ''. 

On XX/XX/XXXX The Department of Education announced that it will restore accounts to good standing. 

" This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. '' AES did not treat my account as the CARES Act dictated, nor have they followed the direction of the Department of Education to right any issues related to borrowers credit.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-26
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: SYNCHRONY FINANCIAL (AZ)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear SYNCB/PPC, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections XXXX and XXXX, and identity fraud laws, specifically Arizona Revised Statutes Section XXXX. 

It has unequivocally come to my attention that SYNCB/PPC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Arizona state law, specifically XXXX XXXX of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section XXXX of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section XXXX, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SYNCB/PPC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SYNCB/PPC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX and XXXX of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SYNCB/PPC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NC)

Between the dates of XX/XX/XXXX until XX/XX/XXXX, my account at Paypal.com with email use as XXXX, XXXX and XXXX all has came to limited status or permanent limit status. 

I had issues of collecting payments for client to process payments for cyptocurrency investments. The payments was withheld due to the client 's trading system with ties to international business. 
My client is a well known chat cam personality that had issues with her clients disputing her services after they watch visuals of her nudity. They would pretend to buy an item just to keep it private that they was looking at a cam chat personality. It was a digital trade of viewing a resource. No shipping was actually involve. The payee made it like it was something they actually bought to ship for a cam chats. 

Now I'm stuck in major debts with paypal.com about peer to peer sharing from a deposit third party payments. 

Lately paypal has started dispute fees which I can't afford for each item on the ticket in the dispute category.
Consumer complaint received 2024-08-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I have an American Express gift card in the amount of {$XXXX}. I have repeatedly tried using this with multiple vendors and it is consistently rejected. I have verified the full amount is available and activated the card online. However the card is consistently rejected. 
I've contacted American Express gift card support and they do not offer an agent to assist with an issue. The menu options are entirely automated and refer me back to the Amex Gift card website. I've also contacted American Express credit card support, but they can not assist with Gift Cards. Just yesterday, I tried using this gift card XXXX separate times at a local vendor. Each time it was declined without any explanation. We tried running the card for {$XXXX}, {$XXXX} and {$XXXX} - none were successful. 
I'm terribly frustrated and at a loss on how these funds can be used with this card.
Consumer complaint received 2024-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

A collections agency by the name " Credit Systems International Inc '' breached my consumer rights by falsely adding wrong and inaccurate collections information to my consumer report without first informing or contacting me to validate the authenticity of the debt as stipulated by the law. Please note that the said debt had been previously disputed with a reputable collections agency in the past due to their inability to validate the debt. 

In 2021, the Consumer Financial Protections Bureau ( CFPB ) issued a rule that prohibits debt collectors from reporting information to credit reporting agencies before they speak with the consumer or send a debt validation notice and wait for it to be delivered. 

By not complying with provisions of The Fair Debt Collections Practices Act ( FDCPA ) 15USC 1692 and the deliberate act of ignoring the CFPB rule to validate debt before reporting them, I am opined that Credit Systems International Inc is either ignorant of the laws and collection regulations or out rightly fraudulent and should be investigated as necessary.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

I was reached out by XXXX XXXX XXXX XXXX XXXX for some amounted owed to Wayfair.. I have never order such products, some has misused my name and Mayfair account and ordered the products. 

I have called XXXX XXXX XXXX XXXX XXXX and asked for additional information which they never provided, and reported them that some one missed my identity, they have asked me to visit police station..which I have never done in my life I am in serious trouble as they have showed up on my credit collections, I have never given my social to either Wayfair or XXXX XXXX XXXX at any point of time and I am not sure how these collections showed up on my credit, which I do not owe at all Please help me in getting this resolved and get the collections removed from my credit as a mistake
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

Dear Sir/Madam, I am writing to formally dispute an erroneous collection account reported by XXXX in the amount of {$1200.00} on my credit report. This account is not mine, and I believe it to be associated with my ex-spouse. I have not been with XXXX since XXXX and am currently a customer of XXXX. Therefore, I am not responsible for this bill. Details of the Disputed Account : Creditor : XXXX XXXX : {$1200.00} The presence of this inaccurate information on my credit report is unjust and has negatively affected my credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect information on my credit report and expect the information to be corrected or removed if found to be inaccurate. I kindly request the Consumer Financial Protection Bureau to investigate this matter and have this erroneous account removed from my credit report. I have attached copies of the following documents to support my claim : Proof of my identity ( Drivers License, Social Security Card ) Current XXXX  bill I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with an update on the status of your investigation. Thank you for your assistance. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (SC)

I want to report Selene Finance for unethical business practices. I struggled to pay my mortgage and I reached out to selene to complete a modicification due to slow down in me finding work. I completed all the forms. They kept asking for more information ( ie, we need another paystub ). I gave them the last paystub I had to give because I havent worked since then. they still kept asking for paystubs and held up the loan modification application. I decided to sell the house, which I did to XXXX around XX/XX/XXXX for XXXX. I owed about XXXX on my Selene Finance Mortgage. They were in contact with me and XXXX  reps because they needed to fax them the payoff paperwork beganing around XX/XX/XXXX. This process began XXXX weeks prior to the closing date of the sale. Selene Finance would be paid first, then XXXX, the XXXX XXXX Brokers and then I would get the proceeds left over. Instead of doing the right thing, XXXX filed a foreclosure notice on XX/XX/XXXX, XXXX business days prior to the closing date of XX/XX/XXXX. I was informed of this when I noticed my funds for the closing were not wired on XX/XX/XXXX. It was because the attorney for XXXX saw the foreclosure on the title. That meant they needed a new payoff, since XXXX would pad more fees on what was owed to them. Then I would have to sign new forms confirming the proceeds. Not only did this hold up the closing, now I have a negative mark on my credit, which will not only impact my ability to get a new place to live but possible a new job as well. Selene Finance was XXXX  in their actions. They knew in good faith they were about to get ALL the money owed on that house and be able to close out the mortgage all together. However, they chose to be unethical and put the home in foreclosure XXXX days before they knew I would be closing on the sale of the home. I want a FULL investigation done on this matter.
Consumer complaint received 2024-10-10
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

I made XXXX large purchases on my Lowes credit card/Synchrony one on XX/XX/XXXX for {$14000.00} and one on XX/XX/XXXX for {$6700.00}. I made a payment on XX/XX/XXXX in the amount of {$22000.00} but was charged {$360.00} in interest. I was told that I should have received a noticed that they are changing the billing cycle. I did not receive this notice they supposably sent out. I have my card set up for automatic payment, but they claim it doesn't matter. I am unjustly being assessed interest on less than a 30 day period based on their proposed billing cycles. This is a predatory lending practice without prior notification. I tried to get the interest removed with no results, so I closed the card. I have excellent credit and pay my bills timely, but this is an unfair practice that needs to be addressed. I will pay the interest so my credit isn't affected but I would ask for your help to stop this ridiculous practice by Synchrony and Lowes.