davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

There has been a big major issue with Paypal synchrony bank issued credit cards. There has been a big major issue with PayPal synchrony bank issued credit cards for some reason. I feel like it's fraud or a scam with them. There are numerous complaints of this happening to people. Ive always had automatic payment set up for my credit card billing. All of a sudden suddenly my payment was deleted from Paypal and not there anymore on my PayPal account they said that they couldnt take my payment which was false because my payment was. I have synchrony bank cards and all of them had the same issue during XXXX called them explain this to them lady was rude first said my payment was returned which was a lie than I was told Paypal wouldn't let the payment go through I asked them to fix this issue due to multiple of my accounts from them has this Same issue they were XXXX hung up and told me call Paypal. Meanwhile I have never been late and this has effected my credit. So I researched this and many people are saying the same issues has been happening with Paypal and synchrony for over a year. This complete fraud that they are doing this to people and making them pay fees and ruining credit for there mistakes within. This needs to be investigated XXXX  of people have complained about this scam. Please help and investigate.
Consumer complaint received 2024-01-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

The TJX Companies , Inc., XXXX XXXX XXXX, XXXXXXXX MA XXXXXXXX Dear sir, I would like to complain and dispute the transaction on XX/XX/XXXX with online purchase of XXXX . I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Item # XXXX. It was on sale and 50 percent off, therefore it became {$9.00}, instead of {$19.00}. I ordered two on XX/XX/XXXX of 2023. However, without my consent, the amount became only one bag. Therefore, I contacted with the chat representative, and he/she told me the shop cancelled one of them ; therefore, I only could buy one bag. And I picked up the chocolate today at XXXX , XXXX XXXX in XXXXXXXX NJ. Since I only received only one bag, the charge should be {$9.00} ; however, your company credit card activity said the total amount was {$19.00}. I would like to fix this issue, since I continue to complain to your company. Since a few days ago, your company charged completely cancelled XXXX purchase twice. And yesterday, you have charged this purchase twice ; therefore, that means you charged {$19.00} twice, even though it should be only {$9.00} once. I enclose the necessary printout with this letter. Besides, these matters of your company credit card activity, the intermediate payment system, PayPal, record showed the transaction was {$9.00}. 

Sincerely,
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (MO)

I found the Wells Fargo credit card difficult to find the cash rewards on the statement. 
I transferred all my bills to another credit card and my bank account. 
When I received my next statement, they were trying to collect money even after I told them that all bills had been paid in a timely manner. I called customer service and they wanted the numbers of my credit cards. I found this intrusive and probably illegal. 
I have NO late charges on any of my bills that I transferred. You will find I have always paid my bills in full and never had a late charge. They continue to bill me different amounts every month. No one is listening.
Consumer complaint received 2024-04-11
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: NAVY FEDERAL CREDIT UNION (MD)

ATM in supermarket debit my account XXXX  for {$22.00} only received XXXX transaction they told me manager that my bank should refund the money back to my account on. XX/XX/XXXX Nav federal credit union
Consumer complaint received 2024-04-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

I submitted an application for a CareCredit card via their website carecredit.com I was not approved for the card that I applied for, but I was prompted to add a cosigner to the account. My uncle agreed to cosign. When the card arrived, I was not listed on the account at all my uncle was upset that he was assigned primary account holder as that is not what we signed up for. Furthermore, I was the original applicant not him. I figure it would be an easy fix and they would add me to the account since I was the applicant. We called CareCredit/Synchrony bank and informed them that there was a mistake on their behalf. We informed them that they made the cosigner the account holder and that I the applicant was not listed on the account, and asked if they would be able to fix the problem? to which they said no they could not add me to the account, if I wanted an account I would have to reapply. To which I told them no I would not apply again as I already applied with a cosigner and that this was not right. I told them that there must be some kind of glitch in their website, and that they need to take accountability for this mistake but that was the only solution they offered me. I called the card company several more times alongside my uncle to fix the issue and even speaking to the fraud department and they were not able to help us. I asked that they provide the original application and they stated that they had NO application from me which is not true/ My uncle closed the account do to its fraudulent nature. Synchrony Bank assigned and issued my uncle as the account holder when he didn't even apply for the card and on top of that they claimed they did not have an application from me when they in fact pulled my credit. Lastly, they practiced horrible customer service by not helping us come to a fair resolution.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (FL)

I did not authorize the following entities to check my credit, again! SANTANDER CONSUMER USA, XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX. XXXX says their clients have to remove, their clients say XXXX has to remove. Be here done this, not up for the fight!
Consumer complaint received 2023-07-22
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. (FL)

In accordance with the the Fair Credit Reporting Act XXXXXXXX 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. also states a consumer reporting agency can not furnish a account withought my written instructions.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

After I partially paid my " total balance '' of Americal Express credit card, the total amount decreased instantaneously to the payment amount. Screenshots were taken before the payment and after. There were no pending transactions. XXXX weeks later, the total reflected balance did not match the sum of the remaining balance and all posted transactions and also does not match as of the day of this complaint. I requested the account audit twice ; however, my requests were not fulfilled, and instead, customer service representatives created a dispute about my partial payment and started an investigation, which I asked to close since I had never requested it. Also, during the call, I was told that I have open " pay over time '' plans ; I declined, referring to screenshots confirming that all plans were paid off, as well as while checking open plans during the call, none were open. XXXX days later, I received a phone call from American Express confirming that they had a glitch in the system and that I did not have any open plans. 
In conclusion, when I requested to freeze my account until the audit was completed, I was advised to pay the amount to avoid additional fees and the debt-collecting process. In addition, the customer service representatives confirmed that they automatically record all phone calls without the consent of customers ; however, they referred to the internal rules and refused to name the policy, refused to provide a phone call recording, and stated that does not give consent to be recorded. 

All account amounts advertised/reflected on the website or application should be true, transparent, not misleading, and easily verified. If the total balance instantly changes after payment, then all transactions made later, except pending, should be reflected in the total balance. The total balance amount can not exceed the sum of all transactions ( credits and debits ). I would like to receive all transactions audit logs by calendar year starting from the date when the account was opened.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

I am writing to dispute fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter.
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

XX/XX/XXXX - Received a letter from my employer with copy of wage garnishment for Portfolio Recovery. 

Ending of XXXX ( Attached to wage garnishment letter ) - Portfolio Recovery filed a lawsuit. I never received any paperwork regarding this lawsuit. 

I have not received any notification from this debt collector nor was I ever provided any explanation or verification of this debt.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC (TX)

THIS CREDITOR I HAVE REQUESTED VALIDATION OF THIS DEBT AND THIS DEBT HAS BEEN SOLD TO ANOTHER COLLECTION AGENCY WHICH IS ALSO ON MY CREDIT REPORT TWICE. 

THE DEBT HAS NEVER BEEN VALIDATE EVEN AFTER 1 YEAR OF REQUEST FOR VALIDATION. 

REQUEST REMOVAL SINCE NO VALIDATION HAVE BEEN PROVIDED LENDING POINT LLC - score impact : low Summary Details Transactions Source : Credit Report As of XXXX XXXX, XXXX Account # XXXX Account Status CLOSED_CHARGE_OFF Payment Status Current Balance Owed {$0.00} Payment Amount {$0.00} Credit Limit -- Recent Payment History - - - - - - - - - - - - Days Late - 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX Creditor Remarks Purchased by another lender Account Type Unsecured Last Payment XX/XX/XXXX Account Verified XXXX XXXX, XXXX Date Opened XX/XX/XXXX High Balance {$15000.00} Term Length 36 Month ( s ) Payment Frequency Monthly Account Rating Payment after charge off/collection Account Description Individual account, Installment account, Unsecured
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX data breach leaked my information on XXXX XXXX Found out about account 1year later and let company know case was won proven XXXX identity theft on my information case closed XX/XX/XXXX. 
Capital one credit card was opened XX/XX/XXXX amount {$200.00} Never opened any account with them filed case with XXXX XXXX XXXX for lawsuit against XXXX data breach and information got leaked twice while case was ongoing.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (OH)

I opened 2 accounts with Flagstar bank, 1 ) a CD with {$2500.00} and 2 ) a savings account with {$2500.00} Flagstar took the {$2500.00} deposit for the CD and everything is fine with this account. 

Flagstar took a double deposit of {$5000.00} for the savings account, my initial bank ( XXXX ) noticed the error, and made the correction so they pulled back XXXX that had been deposited in the Flagstar Savings account, leaving the correct amount of {$2500.00} in the Flagstar savings, and XXXX in the flagstar CD. 

Since then Flagstar has placed a hold on all funds, and refuses to allow me to withdraw my money, now they are claiming that I only have {$26.00} on deposit with them.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 Bank of America obtain my credit trough a hard inquire WITHOUT MY AUTHORIZATION, I found out right away, and I called them stating that it was a FRAUDULENT INQUIRE, it toke many phone calls and long waiting periods with different people, at the end a supervisor found out that it was a credit card inquire from somebody, I stated it was not me because I already have a credit card with Bank of America. This BANK JUST DON'T WANT TO REMOVE THIS HARD INQUIRE FROM MY CREDIT REPORT EVEN KNOWING THAT IT WAS A FRAUD. 
IT IS FALSE THEY CONTACTED ME, I DID NOT RECEIVED ANY EMAIL REGARDING THIS ISSUE
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX, I applied for a vehicle loan at Navy Federal Credit Union. Once " approved '', I sign and delivered a Promissory Note/ Security to the financial institution which they then transferred to XXXX XXXXXXXX who holds customer securities on Navy Federal 's behalf. Knowing that the promissory note is a financial asset which the company receives an advance at par value from the United States Treasury for, Navy Federal received full value for the vehicle loan once they received such document. 

Up unto this day, Navy Federal is still erroneously billing me as if I owe an outstanding balance for this loan when they have already received value in full when I signed and delivered the note. This constitutes for Securities Fraud. I also submitted a Billing Error Notice to rectify this dispute but the institution decided to ignore that notice. On XX/XX/XXXX, I delivered a notarized Notice revoking the following authorization ( XXXX ) I have given Navy Federal : 1. Any Statutory Lien in my shares and dividends on deposit in All joint and individual accounts and any monies held by Navy Federal now and in the future, to the extend of the loan made and any charges payable. I revoke Navy Federals security interest in the collateral securing loan ( s ) that I have with Navy Federal now and in the future, including any type of change or increase, and any proceeds from the sale of such collateral and of insurance thereon. 

XXXX. Any Security Agreement appointing Navy Federal as attorney-in-fact with limited authority to take such steps and accomplish such acts as Navy Federal may deem necessary to perfect the security interest created by such agreement and to protect the collateral. 

3. Navy Federals right to receive the proceeds of insurance, not to exceed the unpaid principal loan balance. Any right Navy Federal may have to take possession ( repossess ) of all stated collateral and selling, or otherwise disposing of the same, or any part thereof, at public or private sale. 

I also advised them that given this revocation, any and all proceeds from the sale of such collateral and proceeds of insurance shall be transferred to the borrowers Treasury Direct account using the credentials listed below : Account XXXX. XXXX XXXX XXXX. XXXX Since receipt of this Notice, Navy Federal has not updated my account ( s ) to reflect this revocation and has not responded to this correspondence. This notice shall be in effect as of the day it was signed until I retract this revocation, written or orally.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (OH)

As of XXXX XXXX is reporting an Aid-vantage Account status incorrectly. Their inaccurate reporting is damaging my Debt To Income ratio resulting in my inability to qualify for loans and credit. 
XXXX is reporting outdated addresses in the Personal Information section of my consumer reports. These outdated addresses are not deliverable and inaccurate. Also as a previous victim of identity theft I understand how this could leave me open to fraud.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union ( NFCU ) suspended our mobile deposit permanently after depositing a check from our own business account. We sent an appeal and NFCU responded that they can not reverse the decision. They accused us of violating terms of the agreement by engaging in fraud. Of course that is NOT true, and they obviously did NOT read our appeal or weigh in the facts. 

What caused this action : XXXX XXXX XXXX, we deposited a check for {$990.00} from our own business non-NFCU checking account. Ten minutes later, we called NFCU to cancel the check since we forgot to sign the front of the check. We were advised to call back before XXXX XXXX on XX/XX/XXXX to cancel. 

XXXX XXXXXX/XX/XXXX, we called NFCU ( around XXXX XXXX  XXXX ) to explain the missing signature situation and we requested to cancel that check # XXXX, after waiting for several minutes, we were told the check has been cancelled and we did receive the email confirmation for this. Later afternoon on XX/XX/XXXX, we submitted a new signed check for the same amount but a new check number ( # XXXX ). 

XX/XX/XXXX, we saw the message in our mobile app that NFCU informed us they were standing by their decision due to fraud. 

We really wonder what kind of fraud this is.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I am an XXXX. 
Placed {$10000.00} into a savings account for a minor 6 months from his XXXX XXXX. Normal savings account, XXXX interest, fine for 6 months, then give client his money, no fee to me. Accout in name of me and his grandmother. 

Go to close account couple days after his XXXX XXXX, Bank returns what we gave it plus a few cents. 
I ask, where's the interest? Didn't expect much, {$50.00} or so. 
Bank gave me XXXX cents. Told them that was not right, did the math on phone in front of them, showed to tellers. Manager got involved, she got on computer, made phone calls to a higher up, refused to do anything. Client wanted his money, so we took it. 
I kept the XXXX cents. 
There is obviously something wrong the way this was handled by the bank. Clearly there should have been an interest payment of more than XXXX cents on {$10000.00} for about 6 months. 
If the interest is XXXX, as on the document, the interest should have been plus or minus {$50.00}. If they are now saying or going to say the interest is XXXX XXXX, I was deceived when the account was opened, and I never would have done it. 

There is an arbitration clause in the documents. The cost of beginning a small claims court proceeding or requesting aritration exceeds the monies not paid and kept by the bank. It is therefore easy for a bank to take money from consumers who are thereafter not able to do much about it.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (VT)

I was told I would receive a billing statement before 21 days of my first payment due date from MOHELA. I have not received such notice. I dont know when my payment is due, and their website says XX/XX/23, but all the news outlets say repayment is starting XX/XX/XXXX. I dont want to have to pay late fees. I need to know when my payment is due, and MOHELA has failed to provide consistent information about my payment dates.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I voluntarily surrendered my vehicle in XXXX 
I am asking for the foloowing information on XXXX XXXX  Itemization of Account : Kindly provide a detailed breakdown of all charges, fees, and expenses associated with the aforementioned account. 
* Documentation Regarding Original Contract : Please furnish all relevant paperwork pertaining to the original contract, including finance documents signed and a complete account payment history. 
* Repossession Details : I seek clarification regarding the repossession of the vehicle linked to this account : * What was the amount for which the vehicle was sold at auction? 
* When and where was the car repossessed? 
* What was the amount due upon repossession? 
* Compliance with Illinois Repossession Laws : I request confirmation on whether the original creditor complied with Illinois repossession laws throughout the repossession process. 
* Statute of Limitations : Kindly provide information on the statute of limitations applicable to this account, along with a detailed explanation of how it was calculated. 
* Participation in Lawsuits : I inquire about the possibility of joining any lawsuits that may arise against the original creditor. Please advise on the procedures necessary for participation in such legal actions. 

Company is reporting an active payment history on an account that has been closed over 3 years