davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I Have Tried to open a bank account with XXXX XXXX, Capital One Bank and XXXX XXXX XXXX  for the last year and I have not been able to, and as a response, they have only told me that I am considered a risk and they send me a website to request information. I did as they told me and the Finalcial Institution : XXXX XXXX  sent me a report ( Comprehensive File Disclosure ) that does not explain the reasons why I can not open a bank account. I am currently in a bank account of my husband, but I would like to have my own bank account and I have not been able to.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had lunch at XXXX ( XXXX ) Sushi in XXXX XXXXN on XXXX, XX/XX/year>. The bill came to {$86.00}, lunch for XXXX people. On Sat. XX/XX/year>, at XXXX, I noticed a {$460.00} charge that was pending to an XXXX XXXX  ( XXXX XXXX ) in XXXX XXXX, at my Capital One online account XXXX waited until Sunday, XX/XX/XXXX to report the problem to Capital XXXX because I thought it would fall off pending. 

The person, not sure who, XXXX XXXX, or Capital One, took it off pending and turned it into a XXXX dollar charge. 

My credit card company Capital One refuses to do anything about this since there is a XXXX dollar difference. They say I need to repeat the entire process of reporting this, but they are stonewalling me and won't do anything about it. I reported it at XXXX, nothing has happened since, and after calling today they told me I need to redo it since it is XXXX now. But it's obvious they are just not planning to help me. It's already been around 20 days or so since this has happened. 

There was a waitress that took my card on XX/XX/XXXX, wherever they do that, to make the payment receipt and was gone in the back for an amount of time, around XXXX minutes, so I believe that is where the fraud is coming from. Our waitress was training a new person that she was shadowing. 

I need your help because I did not make this charge at all. On Sat. XX/XX/year> I used my XXXX 's card to get gas at XXXX XXXX XXXX. The credit card ending in XXXX was closed by Capital One on Sunday XX/XX/year>. 
I called Capital One on XX/XX/XXXX and they did not know why it had increased by XXXX dollar. On XX/XX/XXXX, I called Capital One with concerns about having to pay for a charge I did not make. They said I should make a minimum payment and that any interest charges would be removed. I always pay my credit card charges in full and this statement period ends around XXXX XXXX or so.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I am writing to urgently address a troubling situation with my Wells Fargo account. Recently, I deposited a government-issued check for services provided to my business. Wells Fargo initially placed a hold on the check, which was cleared without issue. However, without prior warning, Wells Fargo imposed a restriction on my account, alleging potential fraud and notifying me of their intention to close it. 

Upon inquiry, I was not given a clear explanation for this action. Instead, Wells Fargo questioned the legitimacy of the check based on minor discrepancies, such as the use of XXXX numerals versus letters and the inclusion of a name associated with a former employee. I clarified that the check was valid, issued to my business, and provided documentation confirming the legitimacy of the transaction and my business ownership. Despite this, Wells Fargo has not provided a satisfactory explanation and continues to restrict access to my funds. 

My business is now facing significant hardships, including difficulties in paying employees and managing daily operations, due to the funds being held. Wells Fargo has also debited my funds and moved them to an inaccessible account. I have provided documentation in person to the branch, proving my current and former business ownership and showing that no fraudulent activity has occurred. Nevertheless, Wells Fargo continues to classify this as fraud without furnishing the required documentation or evidence.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION (NY)

I have a checking account with M & T Bank. On XX/XX/XXXX, I notified my bank branch that there had been two duplicated ACH payments on my account, one for {$110.00} on XX/XX/XXXX and one for {$1000.00} on XX/XX/XXXX. I requested credit for each of these duplicated payments. The beneficiary in both cases was the XXXX XXXX, which has authority to debit my account via ACH and they have been doing so for several years. I first contacted the XXXX to see if they had inadvertently debited me twice. They assured me they had not and sent me a screen shot of their internal accounting records. I sent these to my bank. 

I asked the bank for credits. The bank manager called the XXXX to verify that they had not requested duplicate debits. I soon received a credit for {$110.00}, but the bank has been completely unresponsive regarding the duplicated amount of {$1000.00}. Over several weekd I have followed up repeatedly with my bank branch, and am told repeatedly that the matter is being investigated. I have asked to speak with whomever is conducting this investigation and my requests are ignored.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (WV)

Yesterday, XX/XX/XXXX, I received email notification from Synchrony Bank that the terms for my XXXX Credit Card account had changed. I was directed to access my most recent account statement. Upon checking the statement, I learned that the company was raising the APR for new purchases on my account by nearly 10 %. The same evening, I reached out to the creditor through a messaging system in the XXXX app to request confirmation of what I believed I was seeing and an explanation for the action. Today, XX/XX/XXXX, I received confirmation from the company that the APR was increasing, with the excuse of " the changing market and regulatory conditions have cause the APRs we use to calculate interest to rise. '' In my opinion, this is a non-answer. I acknowledge that my creditors have the right to change account terms throughout the life of my account. I further acknowledge that the market and changing rules/laws can influence these changes. However, I firmly believe that it is the responsibility of the creditor to deal with the market and rule/law changes. Raising my APR by nearly 10 % is a grossly unwarranted and unfair solution that borders on usury, at least from a moral standpoint. According to the most recent account statement, the creditor stands to make up to nearly triple my current balance in interest at present. The action that Synchrony Bank has elected to take may not be unlawful, but is seemingly predatory. I humbly request that the CFPB assist in facilitating a fair solution.
Consumer complaint received 2024-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (VA)

I received a letter dated XX/XX/XXXX that my student loans were discharged and that i would receive a refund. I did contact Nelnet on XX/XX/XXXX who stated that I needed to contact federal student loans. Also, My payment history was wiped clean but i do know that about {$6800.00} should be refunded. The rep also confirmed this should be by check but could not tell me the exact amount. Just to add up my payments and thats the amount due. I contacted Student aid who stated they do not have this information and that in fact Nelnet has the payment information. Since then both organizations have blamed each other but no one will tell me when my money should be mailed to me or how much. I have emailed several times and i receive an email stating that the turn around time has been increased. I have submitted a complaint on the student aid website and all attempts made have gone cold as no one will answer this back. I would like to know when I would received a refund since under Borrower Defense, my application has been approved for full discharge. But I am getting the run around and no answers
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Wrong social security number, names, phones number. 

I disputed the account and per report number that was verified on XX/XX/XXXX, and XXXX XXXX XXXX : Names are XXXX XXXX aslo known as XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I sent them this letter, this is whats going on now I never received anything from court for Capital One. By the time I received anything it was from this third-party company that Capital One hired they were already awarded from the courts Because I was not able to show up and defend myself because I didnt know about the hearing. Once I receive this letter in the mail, I filed an appeal immediately the third-party company is called XXXX XXXX XXXX XXXX XXXX XXXX I did not give permission for any of my personal information to be disclosed to this third-party company, and I wish to be compensated from this company as well as Capital One for violating my rights which I have disclosed in this letter below while I wait on the appeal to go through. 

To whom it may concern Capital One. 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, & XXXX XXXX. my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated. 

XXXX XXXX
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

I am writing to express my concern over an unsettling interaction with Chase Bank that led to the unfair closure of my account and withholding of my funds. 

A few months ago, I deposited a cheque at Chase Bank, which was my two months ' security deposit from my previous apartment. The said amount was successfully recognized and credited to my bank account within a few days. However, distressingly, Chase Bank proceeded to close my account suddenly, without prior notification. More worrisome is the fact that they retained my deposited funds and only provided a refund for the other balance in my account. 

When reaching out to Chase for clarification, I was informed that they could not release my funds before they successfully verified the management company of the apartment complex I previously resided in. It baffles me why they would credit the check to my account in the first place, only to later state that verification of the source of the funds was required. 

Chase Bank, furthermore, indicated that if verification was unsuccessful, my funds would be transferred to the state. It is unsettling that despite funds being clearly entitled to me, they wound up with control that they were not entitled to.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc. (CA)

Hello, We refinanced 3 years ago for a lower interest rate through XXXX XXXX. Never have we been late on our mortgage. We have always had our own homeowners policy. Last year we were canceled through XXXX. 
The lender at the time asked for proof of insurance which I had sent. Our mortgage has been an auto pay of {$1400.00}. In XXXX I noticed a larger amount taken out of our account, an extra {$250.00}. Since then I've stopped auto pay and pay on my own. I called the lender at the time and they mentioned that they opened an escrow account for a homeowners policy. I went round and round with them stating that we have our own policy, they said they would see that it was removed, it never happened. 
As of XX/XX/XXXX our mortgage was sold to Mr Cooper, now they have been calling me daily and sending notices that I'm delinquent with my mortgage. Im paying my monthly mortgage of {$1400.00} just not the extra {$250.00} escrow account for HO insurance. Now they're saying my home could go into foreclosure? How can the mortgage company get away with this?? This is not ethical. I've never signed anything regarding this policy that they've attached. Not sure what to do from here. Im asking for your assistance or insight? 
Thank you!
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened an account an was told I would receive a {$400.00} bonus. I did not receive my card after a few weeks. I went in to a branch close to my residence and was told they had to open a new account. They walked me through the features I made a deposit and they help me login. They told me they would order me a card. XXXX weeks go by and did not receive the card I call the branch explained I did not receive the card yet. They told me they would order me a card I got it with in a week. I waited 30 days called about my sign up bonus and was told I did not qualify because of my direct deposit was made a day later then it should have to qualify.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MS)

Called and spoke to a representative and received payoff amount over phone. Paid payoff amount $ XXXXover phone with representative on XX/XX/XXXX. Received statement in mail for an additional {$100.00} dated as interest due for XX/XX/XXXX 2 days after account was paid in full. Company not willing to remove stating it is interest due on initial purchase? There have been no additional purchases this account is closed as per the representative. There are returned charges as I tried to set up auto payment with savings account and it did not go thru it had to be a checking account which is not stated on their website
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I am writing to formally dispute the accuracy of the information reported on the Wells Fargo credit card account associated with all the information being reported on my credit report by Wells Fargo. I do not acknowledge this account as mine. Specifically, the outstanding balance and past due amount are incorrect. Upon reviewing the information, I found that the past-due amount reported exceeds the credit limit. This discrepancy raises serious concerns regarding the accuracy and fairness of the reported information. As per the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am entitled to dispute inaccurate information on my credit report. I respectfully request that Wells Fargo Card Services take the following actions : investigate the account to verify the accuracy of the past due amount reported, considering that it exceeds the credit limit ; correct the inaccurate information if the reported past due amount of {$1800.00} is indeed an error, and update all records and credit reports to reflect the correct balance ; provide a detailed explanation if the past due amount is accurate, along with documentation supporting the validity of this balance. According to the FCRA, XXXX XXXX. XXXX, Wells Fargo is required to investigate disputed information within 30 days and correct any inaccuracies found. Additionally, under XXXX XXXX. XXXX ( Section XXXX ), furnishers of information to consumer reporting agencies must promptly correct and update information found to be incomplete or inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am entitled to request validation and verification of the debt. For all such issues in dispute please remove this account from my credit report. I trust that Wells Fargo Card Services will address this matter promptly and ensure that all records accurately reflect the status of the account. Please provide a written response to my dispute within the legally required timeframe.
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc. (NC)

American Finance acct XXXX stating I owe {$2200.00} on my credit report now has a company XXXX XXXX contacting me via email. Under Law USC 1692c ( c ) without consent of consumer given directly to debt collector or express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in collection with any debt! Now has also given my information to another debt collector! Im needing this removed from my credit immediately.
Consumer complaint received 2019-08-05
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: Experian Information Solutions Inc. (CA)

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  Auto Financing
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MS)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon possible : Creditor : Capital One 3 LATE payments Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-08
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 (UT)

I closed the card on XX/XX/year> and paid balance in full. They said everything was closed and completed. I then received another bill with no access to any records and excessive late fees and interest that continues to escalate. They do not speak English and have no information or authorization to close account and correct damage.