davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MD)

I used my rewards points to book a flight last XXXX.In order to do so, I had to book through Chase 's travel portal, which works with XXXX. Due to a medical emergency, I had to cancel the booking before flight. According to the airline, if I provided medical documentation, then it would refund my flight in full ( I have this in writing, and I have been told this multiple times over the phone by the airlines customer service ). I contacted Chase and was advised that their " offline team '' would contact me to request documentation. I was emailed in XXXX asking for the medical documentation to send over to the airline. I sent it over on XX/XX/XXXX. To date, the airline says they have not received any documentation. I have spent hours on the phone with Chase 's " supervisor '' line, and have had no success in moving this along. Chase insists that the airlines customer service phone number is experiencing technical difficulties, but I can contact the number listed on the airlines website and immediately speak to customer service. I even bridged a phone call to prove to Chase that the airlines phone number worked fine, but was told by Chase it was against their policy to do this.Meanwhile, the airline confirmed to me that they had processed all refund requests up to XX/XX/XXXX, meaning they never received my request from Chase. At the same time, Chase insists they sent it over, but has taken no further action. Two weeks ago, after another marathon call with Chase, I was advised the " offline team '' would reach out to me within 48 hours to assist. I never received any communication from the offline team trying to resolve this issue. 

I've exhausted my time trying to get Chase to resolve this as it is the only roadblock to refunding this flight. Ive done my part, and the airline is willing to refund this ( and has said it only takes a few days to process the refund once documentation is received ), but Chase is acting a roadblock. If I hadnt used my reward points through Chase 's travel portal for this flight, I never would have had this problem.
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

FCO has repeatedly called me -- literally everyday even on the weekends about a debt that is not mine. They have also reported negatively on my credit report stating that I owe {$3300.00} for an apartment in XXXX XXXX, California. I do not now nor have I ever live in XXXX. In my entire life I have only lived in XXXX as an adolescent, XXXX XXXX while in college and XXXX as an adult. I do not owe this debt and this false reporting is deeply effecting my life. I have also requested information regarding what the debt is for in detail and this information has not been furnished to me.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX, XXXX  ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via Experian, XXXX XXXX and XXXX ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

Good morning, yesterday I went to wells fargo in XXXX XXXX XXXX XXXX, XXXX XXXX ca branch, at XXXX XXXX, I met this banker XXXX, I ask him if I could get the copies of my closed account checcking account number, he said something very rude, and he was so uptight, then he stand up, where I felt that he will attack me, it is in the Camera it was XX/XX/2018 at XXXX in the afternoon, There was no supervisor at that time, so I asked XXXX, and he was very nice, he even help me, when I paid the dues, to the teller, because, XXXX is still staring at me, He needs to be seen he has an anger management, I thought that he will really attack me, Hope that this matters will taken seriously, because there employees acted aggressively Thank you so much,
Consumer complaint received 2015-10-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

I contacted PNC Bank NA for a line of credit and they approved me for it. I already have XXXX other lines of credit with the same bank, which I intended to keep for liquidity, but also XXXX of them has a far better rate than the new line of credit. PNC closed the prior lines of credit without any written or verbal disclosure- replacing them with a single one that has a higher APR. I was given no warning of the lines of credit closure and it did not authorize their cancelation.
Consumer complaint received 2018-06-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (AL)

Left a voicemail at my parents house which I do not live at and left all this information. Below is the the transcript left on their voicemail. 

This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello I a.m. reaching out to you from direct recovery offer you a chance to resolve your matter here this will be my singular call me the following are your option on your balance of {$1100.00} XXXX 75 % settlement of {$820.00} a 85 % settlement three payments a 90 % settlement and 12 payments of {$82.00} settlements must be set up within the next ___ days please call XXXX again it is important to put a hold on your file I will be able to take your call until 7 PM today XXXX this is _ ____ to collect a debt and any information only be used for that purpose to pay online go to XXXX and click on the _____________________ need your account number and ZIP Code your account number is XXXX and your ZIP Code is XXXX
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (AR)

I have had a credit card with JC Penney 's for over a year, and while it was great at first, my account was recently taken over by Synchrony Bank. Since then, I have noticed that several times when I pay my bill online, Synchrony will wait more than 72 hours to withdraw funds from my bank account. Because of their delay and the fact that I am a college student who lives more or less paycheck-to-paycheck, there have been a few times that I had the money when I authorized Synchrony Bank to take my payment but they waited so long that by the time they withdrew my money, the money was no longer there because I have had to buy groceries or pay another bill that was due between my JC Penney 's bill due date and the time Synchrony takes out the money. This results in my account not having sufficient funds, and when Synchrony tries to take the money after 72 hours or longer they can not withdraw it, and they end up slapping a {$30.00} fee on my credit card bill, along with increasing my minimum payment ; because of their behaviour, my minimum payments have gone from about {$30.00} a month to a current minimum of {$82.00} dollars. When I called customer service to discuss this with Synchrony, they did nothing to resolve the problem and simply demanded that I pay the {$82.00} by XX/XX/XXXX. I pointed out that when I use pay my other credit cards, the payments are withdrawn in less than 72 hours, and when I asked the customer service associate, someone named XXXX, about this oddity he provided no explanation other than to defend his employer. He then dismissed my call, saying that I needed to call another number. When I asked if this was customer service, he said that it was n't, even though the automated phone system directed me to him after I chose to speak with customer service. 

Now Synchrony has closed my account and is demanding that I continue making payments on the amount I still owe. Effectively, they have bad business practices and are punishing me for their incompetence.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My complaint is with Bank of America. On XX/XX/2022 and XX/XX/2022, I attempted to send a wire transfer to my client who has a business account at Bank of America. The routing number and account number were reversed but the client 's full name and address was on the transfer. Bank of America rejected the funds and returned them to my XXXX account minus a {$45.00} fee each time. I spent a minimum of 8 hours trying to reach a representative through customer service and the wire transfer department only to be told by the 10th individual I spoke to that they charge a {$45.00} fee whenever a wire is being rejected. The reason that appeared on my bank statement is that " beneficiary could not be authenticated. '' Her full name and address were provided on the transfer, as you will see on the attached documentation and it was summarily rejected. This is a predatory practice and what is even worse, a supervisor at Bank of America told me the bank is NOT AUTHORIZED to take funds from a customer that is not with the bank. They not only lied about the practice but also told me that I should check with my bank, XXXX, as they were the ones who most likely took the fee and didn't tell me. I am out {$90.00} when the bank had the name of the recipient the whole time and said they could not authenticate the intended beneficiary. Bad practice, awful customer service and terrible, deceptive banking. If they are going to charge those fees, which are predatory, they should be transparent about the practice and are not.
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.
Consumer complaint received 2019-11-13
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: CITIBANK, N.A. (MA)

This account has a lot of missing information to tie this up to me. I have been disputing for awhile now and I am still getting this kinds of account. I am trying to get help here. Clearly if you will just take a look, this reported account is empty and invalid.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA (TN)

On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TN XXXX and applied for a XXXX XXXX XXXX XXXX XXXX pricing at {$8600.00}. I originally spoke with XXXX ( a car salesman ) who was able to get to financing and get me approved for the loan I was requesting. When he brought over the offer document it had an additional fee as he stated was for XXXX that was not in the original amount nor in the specified fees online. He then told me that XXXX is in the fine print. I then asked him to show me where it was in the fine print he was not able to pull it up so he asked his manager XXXX to look it over and they proceeded to print off a new offer showing a RECONDITIONING fee. I asked to speak with the manager XXXX to come over. I explained to the manager that fee is not stated on the website either. And that I am aware the only fees that should be charged are taxes, tags, title, and sometimes doc fees. XXXX proceeded to say that he would contact his general manager to try to get the fee removed. He went to a back room and came back XXXX minutes later stating he could not remove the fee and would need a {$3000.00} down payment. This company broke the law! Per 15 USC 1662b & the Truth in Lending Act it is against the law to state that a specified downpayment is required in connection with any extension of consumer credit. And per 15 USC 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. 

I have attached photos from the dealers website to support my complaint.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

Sent a XXXX payment to my roommate but roommate didnt inform me they closed the account and wasnt able to cancel it right after i sent the money. Now wells fargo will not return my {$800.00} that is missing from my account. As i sent money via XXXX instead to my roommates new bank account. They denied the claim saying the payment was completed regardless of the issue.
Consumer complaint received 2022-01-26
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: CCS Financial Services, Inc. (PA)

Hello, I have recently noticed fraudulent activity on my credit report. I believe I am a victim of identity theft. There are accounts on my report that I did not authorize. I have a security freeze and should have been notified before my information was ran. These fraudulent items are reporting inaccuracies to my which are affecting my relationship with creditors. Please investigate these matters and remove the disputed items.
Consumer complaint received 2022-01-13
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. (FL)

The creditor is listed as XXXX account number ( XXXX ) is account is listed as charged off as of XX/XX/2017 for $ XXXX.This account is due to fraud and as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (IN)

I received a prepaid {$25.00} XXXX XXXX bonus card in conjunction with my US Bank rewards credit card. The card says it is. {$25.00} reward card food until XX/XX/22. When I want to use the card I discover they have charged me {$6.00} in so called maintenance fees. I think this is unfair and these fees should be refunded immediately., they said it is in the terms I agreed to I got a magnifying glass and have found in very small print that they can charge this fee. The print is so small no XXXX XXXX XXXX with poor vision can read it. I have been a US Bank customer for years and I am very disappointed that this {$25.00} card thats good till XX/XX/22 has been taped for these fees
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MN)

Today, XX/XX/2022, I received an email from Chrysler Capital. In the subject line, it states " You're pre-approved on your recent online application ''. Except I never applied for a auto loan through this company, or have I submitted any applications for an auto loan. 

When I contacted them at XXXX, they won't allow me to speak with a customer service rep. Seems they sort of force you to 'login to your account '. I never created an account. I think it feels awfully scammy. 

I checked my credit reports and there is no info about a loan request or any recent inquiries. I can send CFPB the email I received. 

At the bottom of the email it states - " This message was sent to you as a customer of Chrysler Capital ''. Again, nobody answers the phone line they give. 
Here 's a copy and past at the bottom of the email- This message was sent to you as a Chrysler Capital customer at XXXX for transactional purposes. If you are not the intended recipient, please notify us immediately. 

" 2022 XXXX XXXX XXXX XXXX XXXX rights reserved. 
Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to XXXX XXXX XXXX XXXX. 
XXXX, XXXX, XXXX and XXXX are registered trademarks of XXXX XXXX XXXX. 
XXXX is a registered trademark of XXXX XXXX XXXX XXXX, used with permission. 
All other trademarks are the property of their respective owners. 
XXXX '' I don't know what can be done. Unless someone is using my email, I don't show any inquiries on my credit report. 

Just sending this to CFPB as it appears to be a scam. 
Thank you, XXXX XXXX and my email is " XXXX '. I attached a copy of the email. 

Thank you.
Consumer complaint received 2021-03-09
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: Stenger & Stenger, P.C (NJ)

I used to have a credit card with XXXX XXXX  which was sold to Steinger and Steinger debt collector Steinger and Steinger filled a law suit against me for the owed amount and they had a garnishment against my salary XXXX the payroll agent deducted the amount from my paycheck on bi weekly basis till the last XXXX but Steinger and Steinger still stating that the last amount was not sent to them by the court therefore they are still reluctant to update my credit report. 
Steinger and Steinger is asking me to contact the court and ask them why they have not sent the last payment however I believe Steinger and Steinger are the one who is responsible to contact the court and not me.

Steinger and Steinger keep reporting my account is late and not paid in full however the money was fully deducted from my salary.

Please help me from the debt collector who are damaging my credit report for no reason.
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

I signed up for an account and added automated payments. The payments I setup were double the minimum amount. I have only received XXXX emails from this company since signing up but the payment continued to come out of my account. last week I received a email stating I owned over {$2000.00}. After doing my research I found out my promo was up in XXXX with less than {$500.00} left to payout. f I had not received anything from them until now. I called to try to get this straighten out and the customer service agent we rude and dismissive however they did inform me that another {$1700.00} was added to my {$500.00} and there was no way to go back and pay of the amount even though I had not been receiving any statements to know it had run out. I researched further only to find that this company is know for these types of antics. I have tried to work this out with XXXX different reps from this company and all of them were either rude or did n't care to help. There has to be some law against what they are doing to customers.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (OH)

I got a collection warning from Nordstrom card services today. Ive already had to file once that I am going through a financial hardship and needed assistance but they werent wanting to provide a way to message or email at the time. And now theyre asking me to call but weve already been through this issue before and I feel like this wasnt handled correctly.

They werent offering any payment plans before but now I guess they are? This would have been great months ago as an offer instead of my credit score tanking because I cant afford the payments right now which I let them know about. Theyre demanding a payment by the XXXX in the letter and I didnt get it until the XXXX.