davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/24 I used XXXX XXXX to pay for the amount of {$700.00} at a XXXX gas station  the money was withdraw from the account and completed. On XX/XX/24 I woke to another pending transaction for another {$700.00} which resulted in my account being negative. I contacted the card issuer that I used to pay with and they said it would have been cleared by weeks end and also contacted XXXX and they wasnt able to do anything due to the amount pending.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Used a XXXX  % balance transfer offer from Capital One for about {$10000.00}. I thought I had changed my autopay settings, but autopay ended up paying off the entire balance after a single month. When I called in to try to reverse part of that payment, they said they'd submit a request, but that was then denied. I've never had a problem getting overpayments reversed with other banks, even when it was 100 % my fault. I essentially paid {$300.00} for a XXXX month " loan ''.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

I have a credit card with JetBlue Airlines. Barclays is the issuer of the JetBlue credit card. My entire credit card balance constitutes of 2 different types of zero ARP promotions. I do not have any balance that is currently under APR. One part of the promotional balance expires in XXXX and the other promotional balance expires in XXXX. Knowing that I had a balance coming due to expire soon, I sent a payment to pay off that portion of the balance. After looking at my recent statement, I noticed that Barclays allocated part of my last payment towards the promotional balance that was due in XXXX and left an unpaid portion of the promotional balance that was due in XXXX. I have called Barclays to ask them to please use my entire payment to pay off the promotional balance that is due in XXXX, but my request was denied. I called Barclays 2 times and the second time I also spoke to a supervisor. The 2 times I called Barclays I was told that the way the allocate payments is it first goes to purchases, then to balance transfers and then checks. I told them that I was not aware of this, and this was never explained to me. If I would have known this prior to using their promotional balances, I would have had planned better how to pay the entire balance off. I asked where this information is disclosed on their website and both representatives including the supervisor told me that their website does not disclose this information. As a consumer, I feel that this practice is unfair. Barclays emails me lots of promotions encouraging me to use my JetBlue card, but they do not inform me of how my payments are allocate when there is no APR being charged. Barclays should make this information very clear to their consumers so that they can make better decisions before using their credit card.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (KY)

I disputed the debt with the credit reporting agencies and it was taken off my report only to reappear again as a new debt. Which is crazy because I have an email from Resurgent Capital stating that the debt was beyond the statute of limitations. They also stated they wouldnt sue for the debt or report it to the credit bureau, but thats exactly what they did. Because of this action I have had my credit limit lowered on some of my accounts because I am required to maintain a certain credit score with some of the companies. If my score remains lowered some of my credit limited can be closed by the creditor. Im XXXX XXXX XXXX on a very limited budget and they are using this abusive tactic to force me to pay. They know how important my credit is to me as a XXXX  citizen and are trying to strong arm me to pay the debt. Please help me in regards to this matter.
Consumer complaint received 2024-05-31
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (GA)

PHH Mortgage violated my consumer rights. Under the CARES Act, the company SHOULD NOT have marked me as being late. The mortgage is paid in full ; however, the company failed to abide by the law. Please change all payments to paid as time or remove the mortgage from account.
Consumer complaint received 2023-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IL)

XX/XX/XXXX : applied for a personal loan from this company to pay for medical expenses XX/XX/XXXX : email received stating loan documents were ready to e-sign XX/XX/XXXX : received another email from loan company stating my loan is complete, and to click on a link to download my loan documents ; it stated the link would only work for 7 days. I called the company because the link did not take me to a website that I could download my loan documents. As I recall, I never received my loan documents, and when I called the company about this, they told me the amount of my loan, and when the first payment would be due, and for how much. 
Although I dont have exact dates at the moment, I repeatedly called the loan company asking for docs, including a payment schedule showing interest and principal-never received them. 
XX/XX/XXXX : after going through the companys XXXX app, I noticed it said this is a Precomputed Loan I called the company again to ask what that meant, and I never got a straight answer. 
My first payment was due, and paid on XX/XX/XXXX in the amount of {$240.00}, All subsequent payments have been in the amount of {$190.00}. 
As of XX/XX/XXXX, I have paid in a total of {$2800.00}. The original loan amount was {$5000.00}, for which I was funded that less their fees at the time, which ended in a deposit to my account in the amount of {$4500.00}. I asked the company why I didnt get the full {$5000.00}, and they told me it was an origination fee. 
XX/XX/XXXX : the companys XXXX app states I still owe {$6500.00} on this loan. I am filing this complaint against this company for illegal loan disclosure practices, an illegal loan product ( Precomputed ), and an excessive APR, which is now at 35.99 %.
Consumer complaint received 2024-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunbit, Inc. (NC)

I contracted with a third party to pay for dental service. The company is called Sunbit. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC accepted the payment. The procedure did not take place I requested a refund from XXXX XXXX  XXXX. They have yet to refund the money to me I have called several times over the past 2 months no resolve. I have also reached out to Sunbit they stated that XXXX XXXX XXXXXXXX XXXX has not requested a refund. I put down a {$450.00} payment and a XXXX has been debited from my account. The agreement number that is XXXX.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KY)

Synchrony ( Lowes card ) consistently takes an extended amount of time to apply payments. So much so that the Lowes automated system gives the option to refund a late fee without speaking to anyone. The result is I have to make a payment a full week before what my bank says will get the payment there by the due date ( a date which works for all my other bills ). It is a scam that gives them extra float. This month for example my payment was deducted from my bank account ( not sent on, cleared on ) on XX/XX/XXXX and is still not posted at synchrony on XX/XX/XXXX. The payment is due XXXX, thats how early I am paying. I have previously complained to synchrony and received a credit but that doesnt change the practice.
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (NJ)

Hi, I had taken an appointment with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NJ XXXX for opening a CD. Inspite of waiting for XXXX minutes, the bank officials were saying that they don't care about appointments and they pushed me out of the office. So surprised Complaint Regarding Non-Professional Behavior and Disregard for Appointments XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX, I am writing to express my deep dissatisfaction with the level of service and professionalism exhibited by the staff at your [ XXXX Local Branch Name - XXXX XXXX XXXX XXXX XXXX, NJ XXXX ] branch. 

I had taken an appointment with the above XXXX XXXX  for opening a CD. Inspite of waiting for XXXX minutes over the appointment time, and checking with bank officials mutliple times, the bank officials were saying that they don't care about appointments and they pushed me out of the office. 

The bank personnel with whom I was supposed to have the appointment at XXXX XXXX  XXXX XXXX pushed me out of his office and closed the door when I asked him about the appointment. The reason they were saying was that they already have other customers waiting. What is the point in taking appointments if there is no difference between those who took appointments and those who have not taken appointments. There is another XXXX XXXX ( who was sitting at entrance ) who was so rude and non response and least interested in getting some one to service my appointment XXXX, I wish to address the matter of non-professional behavior exhibited by your staff members. During my visits to the branch, I have witnessed instances of rudeness, dismissiveness, and lack of courtesy from certain employees. Such behavior is unacceptable and does not align with the standards of professionalism expected from a reputable financial institution like XXXX. 

Furthermore, I must bring to your attention the consistent failure of your branch to honor scheduled appointments. This disregard for appointments not only wastes my time but also reflects poorly on the efficiency and reliability of your branch 's operations. 

As a loyal customer of XXXX, I expect to be treated with respect and professionalism at all times. However, the experiences I have encountered at your branch have fallen far short of these expectations, leading me to question the level of service provided by XXXX. 

I urge you to take immediate action to address these issues and ensure that such incidents do not occur in the future. It is essential for the reputation and credibility of XXXX that customers are treated with the utmost respect and that appointments are honored as scheduled. 

I would appreciate a prompt response to this complaint and assurances that steps will be taken to rectify the issues raised. Additionally, I would welcome the opportunity to discuss these matters further in person, should you deem it necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C (GA)

I was first contacted by XXXX XXXX XXXX approximately XX/XX/XXXX while ill with extended COVID. I asked the rude representative to please send me all paperwork in reference to thus said XXXX XXXX accounts because the balances did not appear to be accurate opposed to credit extended. I received multiple daily calls until a singular paper bill came in the mail from Dynamic Recovery Solutions XX/XX/XXXX. I sent XXXX  a cease and desist letter in addition to a letter asking for validation of debt, 15 U.S.C. 1692g is a section of the Fair Debt Collection Practices Act ( FDCPA ) that's about debt validation. The amount of the debt, the name of the creditor with the original creditor 's name and address was requested. I also requested history of payments on XXXX  XXXX accounts, insurance claims filed on these debts, chain of title and proof of ownership because the names of the collection agency had changed. 
In response I obtained nothing but XXXX intimidation tactics inflicted upon the general population ( threat of lawsuits ). Hiding their violations of FCRA and FDCPA with multiple disciplinary infractions including prohibitions on ( 1 ) representing the amount or validity of unsubstantiated debt ; ( 2 ) collecting on debt without offering to provide necessary documentation to consumers ; ( 3 ) mispresenting that it would provide the offered documents within thirty days ; ( 4 ) initiating debt collection lawsuits without possessing required documentation.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year> I mailed certified letters to Experian. XXXX and XXXX asking to remove inaccurate personal information and update my current accurate information stated on my ID w2 and bank statement. On XXXX I received a letter from Experian stating they thought a XXXX party requested it. Ive called 5 times on hold for over an hour
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

I reviewed my consumer report and noticed that I had 4 late payments on an account that i was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with maximum accuracy. I have never been late on payments for the account. Nelnet XXXX. please investigate and provide proof with statements showing that payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was never late thanks
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I am not liable for this debt with XXXXXXXX XXXXXXXX and I do not have a contract with Columbia Debt Recovery. They did not provide me with the original application like I asked. Theyre reporting on my credit report with XXXX that I owe them {$300.00} and I have no idea who they are. I reached out to Columbia Debt Recovery with a police report, and FTC report. Originally their were two accounts from XXXXXXXX XXXX in which whoever applied, applied twice. Columbia Debt Recovery stated we put two accounts on your credit report because two different door numbers were applied for, so they removed one and kept the other which makes no sense at all.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern I am writing to report a phishing incident that resulted in financial loss. I was targeted by a sophisticated scam involving our partial ownership in a property at XXXX XXXX XXXX, XXXX. 

Here 's a detailed summary of the incident : - On XX/XX/year>, I received an email from XXXX ( XXXX XXXX XXXX ) with the subject " XXXX XXXX XXXX '' proposing a limited-time offer for our vacation property. The email appeared legitimate, and we even called XXXX XXXX XXXX to confirm that third-party sales were possible. 
- The email was sent by XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX  ) from XXXX XXXX XXXX ( ( link unavailable ), # XXXX ). 
- We were asked to pay {$5800.00} for the XXXX government for closing the sale, which we sent via bank wire to XXXX, which they said was the XXXX governement bank account. I also provided my bank account number for the funds to be deposited. 
- However, the notary, XXXX XXXX, continued to request more money for alleged municipal tax, which raised our suspicions.

- We realized it was a scam and informed Chase which is our financial institution, but they said they couldn't recover or reverse the funds.

I have all relevant emails and documents should you need to review Please assist me in investigating this online fraud and taking appropriate action to prevent further incidents.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-04-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (AL)

I received on my credit report that I had a charge off of {$5200.00}. The collection started on XXXX of XXXX but it shows that the last updated payment was XX/XX/XXXX and the last payment amount was {$6100.00}. I received no information regarding the last payment or how it got to the amount of {$6100.00}. I was never notified through letter or email about it being paid off or how it was paid. I also never received an account number from them or even a letter saying they were the ones that had my debt.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (FL)

The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, synchrony bank decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as synchrony bank adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with Rooms to Go and Ashley Furniture.
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (MA)

Financed the car through Honda, I ended up losing my job of 12 years with Covid, my identity was stolen and I became homeless moving from places to places a I called Honda to see what can be done and they refused to help. The car is totaled and the reps are now calling me and greasing me to pay the balance when Honda reported already as charge off on my credit report. The vehicle that they are trying to collect on is totalled and I am requesting that Honda removed the negative reporting as they stopped collecting payments since 2019 its been 5 years already.