davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-25
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NH)

I have been receiving repeated calls from TJX rewards credit card [ up to 6-7 per day between XXXX and XXXX ] from phone number XXXX to the point where I have had to block their number. They do not immediately identify themselves in the message and just say " Please return our call to XXXX, for faster service please visit our website at www.tjxrewards.com '' and then gives the mailing address, nowhere in the message does it state where they are calling from, or the purpose of the message. I have spoken with them repeatedly regarding my resolution of my debt but the calls do not cease.
Consumer complaint received 2018-12-03
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: EQUIFAX, INC. (DC)

Certified Mail No. XXXX XXXX XXXX XXXX XXXX United States Postal service document to remove inquires that are inaccurately reporting and not 100 % verified thereby must be removed
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My credit car utilization was supposed to go up it did but my points went down instead of going up that 's an error and some of the creditors are being investigated there for with no change on my report except that I paid my credit card on time and my utilization went up it should have eather stag the same or gone up.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This complaint is against W.Fargo Bank for the following reason : For 14 months thus far, I have been dealing with identity theft. I've been shut out of all my W. Fargo accounts this entire time, and W. Fargo will give me no help in getting back in to my accounts. Yet it seems as if W. Fargo easily helps these identity thieves. Several accounts have been opened in my name- without my authorization, and therefore I have accounts in my name at W. Fargo in which I have no access to. W. Fargo is an easy target for identity thieves as I have seen first hand. And the identity thieves receive tremendous financial benefit from W. Fargo- and the W. Fargo customer suffers the consequences.
Consumer complaint received 2015-11-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (CA)

Paypal issued me a credit account I did not want or need using deceptive and/or fraudulent practices. As I was using Paypal to make a purchase, the regular series of " clicks '' was changed to trick me into opening a Paypal Credit account. I have since called to cancel the account and pay the balance in full. However, I thought it important to file this complaint because, I fear, tens of thousands of consumers have been ( or will be ) tricked into opening a Paypal credit account.
Consumer complaint received 2016-12-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

I had Synchrony bank credit card/XXXX balance of {$60.00}. I thought I closed this account and forgot this remaining balance. When I tried to pay a few days later, it was charged {$29.00} late fee. I called a few times ( up to 5 times ) and explained to the representative, the staff in XXXX gave me the attitude " I got you to pay or .... '' and would not be willing of reasoning. It was almost XXXX % penalty for a few days late. This Synchrony bank/XXXX had more than XXXX complaints since they are predatory in " every way '' to " out get '' customers. Then I tried to resolve with them, they just would not barge. It is now accumulated to more than {$290.00} out of original balance of {$60.00}. XXXX predatory actions are notorious. They caused me more than numerous long time calls for resolution which reached no where. I would NEVER EVER to deal with this Synchrony Bank. I believe it is Synchrony business strategy to break their credit card business into ALL DIFFERENT INDUSTRIES, so the complaints due to their employee trained " predatory practices '' would be diversified and look smaller than it actually is. I am demanding Synchrony / XXXX write off this {$60.00} balance to XXXX for all the resource/time they caused me.
Consumer complaint received 2021-11-26
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: Bay Area Receivables, Inc (DE)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports.Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are reporting : BAY AREA REC XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$880.00} BAY AREA REC ( XXXX XXXX XXXX ) XXXX Balance {$490.00} Date Opened : XX/XX/2020 BAY AREA REC XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} Date Opened : XX/XX/2020
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MN)

I 'm having an issues with Barclaycard processing payments by check on-time. My XXXX has to write a physical check to Barclaycard bank, Twice they processed checks late on XX/XX/XXXX and XX/XX/XXXX. Both times I got assessed late fees. It was waived for XX/XX/XXXX payment, but they would n't waive it for XX/XX/XXXX. My bank clearly shows they got the check by XX/XX/XXXX which was Friday before XXXX holiday weekend. Barclaycard bank did n't process it until XX/XX/XXXX. 

I have n't ever had issues with my bank not delivering payments on-time except for Barclaycard bank
Consumer complaint received 2015-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

AFNI contacted me by letter in XXXX claiming they took my debt of {$2500.00} from a XXXX XXXX provider in XXXX, CO. I have never had XXXX XXXX nor lived in XXXX, CO. I replied via Certified Mail to contest the claim and they responded with a fake account number from XXXX XXXX.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (NV)

I was on vacation in XXXX and filling up a rental car at a gas station, the attendant took my card and charged for the gas and also made a fraudulent charge on my card. 
I have disputed discharge with Citibank and they refused to reverse the fraudulent charge and will give me no information as to their decision. 
I have attached a picture of the email I sent to Citibank, which further explains the situation and request for information.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I have Chime banking. I was sent an email asking if I had authorized transactions. I replied no. They called me after XXXX XXXX I was tired and stressed. The " agent '' said I had something called XXXX, an AI, attached to my account. I couldn't hardly understand him. He said to transfer all my money from my credit account to my debit account. Then he said it had to be sent to another account and then I would get it back. He tried one, someone I didn't know, but a warning popped up. He said " Oh no, that means XXXX is still attached and the money will be taken out tomorrow. I begged him to just wait until tomorrow but he adamantly insisted. He chose another person to send the money to that I didn't know but he said the money would be returned. I couldn't hardly understand him. Now my money is all gone. I can't pay rent or bills. 
I contacted Chime Support 3 times and they have twice denied the dispute. They asked again for more information. I had already sent screen shots of everything. I also sent a letter describing the situation. This wasn't my fault. I was scammed but they won't acknowledge it. I am so upset! Please help.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (OH)

On or around XX/XX/XXXX I submitted information to establish a savings account with Synchrony Bank online. On XX/XX/XXXX small deposits and withdrawals were made and verified that I was an account holder at XXXX XXXX and I received an email that the account was approved. On XX/XX/XXXX I transferred funds from XXXX to fund the account. I received a " welcome '' mailing. I then attempted to link another bank account to the Synchrony account to access the funds and was denied access to online use. I have called Synchrony several times and have been told nothing about why I am locked out of my account or how long it will take for them to grant access. I was warned that all attempts to log in and all phone calls asking for clarification are " red flags '' and will delay the process. I was told that XXXX isn't a bank and therefore Synchrony can't accept funds from them, however, I received a statement for the period ending XX/XX/XXXX that shows all of the above activity and interest added but I am still not able to access the account online. I even asked for the funds to be returned to XXXX but that was denied. Today I was on hold for 15 minutes waiting to talk to a supervisor, was told it would be another 20 minutes holding and I should call back when they aren't so busy. At this point Synchrony is keeping my money, won't tell me why or when/if I will get it back. I have not been given any information as to why this delay is happening. Despite sending money from a verified account at XXXX and providing all kinds of information to establish my identity, I am being treated like a scammer, like I am guilty of trying to steal my own money. It really feels like Synchrony Bank intends to steal my money.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I was informed that Discover needs to identified my identity and threatened with closing my account. 

They froze my credit card account while continuing making my payments with my credit card. They closed my account at {$700.00} with a balance of {$3000.00}. 

This affects my ability to rent a car or hold a hotel since this is my only credit card. 

I have checking and savings with direct deposit and have checks I deposited with my identity on those checks.
Consumer complaint received 2024-04-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (PA)

I have called the US Dept of Education regarding XXXX inaccurate reporting student loan payments. During the CARES act, collecting student loan was not reported to credit agencies. This agency reported XXXX missed payments and caused my credit score to drop. I requested information and they said it has not reported that way which is not true. I have called 4 times and they will not fix this. I am applying for a home and this is negatively affecting my score
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XX/XX/2024 XXXX, XXXX, and XXXX are reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the XXXXXXXX XXXX XXXXXXXX XXXX XXXX OF GEORGIA XXXX Which is false. 
I have attached a letter from the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bereaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
XXXX, XXXX, and Equifax are falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Tower Loan of Mississippi, Inc. (MS)

The collector was notified in writing to discontinue contact at the phone number provided above. I have since received calls at this number. Also, a garnishment has been granted, but not begun at this time ( I received notice from my employer in writing ), yet the collector still calls me both on my job & cell. I spoke with an account manager on XX/XX/2017 & he is aware of the garnishment, yet I received 2 calls ( work & cell ) on XX/XX/2017 from the company. I have attached a copy of the written notice to cease communications at the above number. There was also a check attached where a payment was made at the time that the letter was issued to the company. They processed the check ; therefore I know the letter was received.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (IL)

On XXXX XXXX I made a purchase using my Ally bank debit card for auto parts with an online retailer XXXX XXXX. Unfortunately, I never received my order because it was likely delivered to the wrong location. The merchant didnt request a signature so this ultimately allowed XXXX the authority to leave the package wherever they wanted. It was unusual because it was a large item. After not receiving my item I contacted the merchant and was denied a replacement or a refund. I contacted my bank in XXXX to file a dispute and didnt actually get the proper paperwork from Ally Bank until XXXX. Paperwork was initially submitted on the XXXX, the merchant has still not responded as of XX/XX/XXXX, and I still have yet to receive the adjustment to my account. I was told Id have a decision within XXXX business days and now its been changed to 45 days. I also contacted XXXX so they could investigate and they advised me to contact the merchant so they could file a claim so I can be reimbursed but the merchant is not being helpful and doesnt want to accept responsibility for their negligence in this matter. According to their XXXX report they XXXX XXXX has a long standing history of sendingghost orders, not sending correct items ordered, and swindling customers by making them pay outrageous return fees.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOUTHSTATE CORPORATION (GA)

I had received several text messages from my banks fraud number on XX/XX/XXXX asking me if I had done a transaction through XXXX XXXX  and I replied no then I received another text message from the same number asking if I had added someone to my XXXX account through my bank and I replied no then I received a telephone call from the same number which shows my banks fraud number and the person on the phone said that I needed to delete my debit card from my XXXX XXXX  and told me to add an virtual card in order to stop the payment and I would see the {$400.00} back into my bank account within an hour. So I did what they said because I thought it was my bank because the phone number showed my SouthState bank number. I went to my branch on XX/XX/XXXX to ask about it and talked to a lady name XXXX and she told me it was a scam that I needed to file a claim but I had to wait until it showed it went through my checking account because at the time it was showing pending that she would file a claim on Monday XX/XX/XXXX and that i didnt need to call her she was making a note. i decided on monday XX/XX/XXXX to go to the branch at XXXX and talked to XXXX and the claim was not filed yet like XXXX XXXX she would so XXXX XXXXXXXX XXXX claim. i received a letter denying my claim due to my phond was used for the transaction. yes it was becsuse i thought it was my bank becsuse of the phone number showed my bank. i also feel like if XXXX would have done something while the transaction was showing pending i could have stopped it. i took all the right steps and i should havr had my money credited back
Consumer complaint received 2016-08-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Legal Recovery Law Offices, Inc (CA)

Dear CFPB, this company LEGAL RECOVERY LAW OFFICE, has seized all the money in our bank account total {$2100.00} plus fees total {$2200.00} on XXXX/XXXX/XXXX, leaving us with no money to pay our modified mortgage or utilities or groceries. 
The bank is holding the funds until XXXX/XXXX/XXXX before releasing it. Attached is bank notice to us. 

In XXXX XXXX when the real estate market crashed in XXXX XXXX California , my wife and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were broke. I was XXXX at the time and due to health issues I was not able to continue with that business. I had used my XXXX XXXX credit card during my XXXX for expenses but with the lost of my business, I was not able to make payments. My wife and I started with sales but that took us some time to get back on our feet. Our new jobs could not cover our credit cards payments and eventually, we were default on all credit cards and even mortgage payments. Now we are able to pay our modification mortgage and utility bills. We are just not able to make credit cards payments ; my wife and I are barely making enough to get by in this economy. 
After we became default with my credit cards in XXXX. XXXX XXXX sold the debt to LEGAL RECOVERY LAW OFFICES INC in XXXX of XXXX ; They filed a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from our bank accounts various times leaving us without money to pay my modification mortgage or utility bills or groceries. They have continuously caused us tremendous XXXX. On the XXXX of XXXX XXXX, they have taken {$2200.00} from our account ( this is my mortgage payment ). Now we are devastated. Please help us.
Consumer complaint received 2015-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America just charged me {$35.00} overdraft fee for less than 24 hours when my bank account was negative {$1.00}. That 's a lot of interest for an extremely short term loan on a dollar. When I called to try to get them to refund me, they told me they already had refunded me once in XXXX and therefore they could n't do it again.
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

I am a graduate of XXXX in XXXX, NY. I have XXXX private loans services by Navient. They loans have now entered repayment and the total due monthly is about {$730.00}. In tandem with my federal loan debt obligations, these payments combined with my housing costs consist of 85 % of my monthly income. It is unsustainable for me to possibly keep up such high payments. Upon calling Navient, I was informed that only XXXX of my loans was eligible for a temporary reduction ( 12mos ) after which my payments would become even higher than they were originally. I was told that my other loan could not be reduced because it was disbursed before XXXX XXXX. I requested more information about this " XXXX XXXX '' deadline and only received repeated answers, " it was disbursed before XXXX XXXX '' and no other explanation. I attempted to explain the financial hardship these payment costs placed on me but was met with indifference every step of the way.
Consumer complaint received 2015-12-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IN)

I 'm three days away from defaulting on my loan. For the past 6 months I 've tried to work with my provider to keep up payments and they have n't been helpful. I received advice from a service rep to allow my account to go into collections after XXXX months to receive more options for help with my loans. This has not been my experience. No help or alternatives were given.
Consumer complaint received 2016-07-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CAVALRY INVESTMENTS, LLC (VA)

I have a personal student loan that was discharged on XXXX. This loan was co-signed by my ex-husband. 
Since then the loan has been bought and sold by several other companies. 
I have now been served with a wage garnishment from XXXX , XXXX , XXXX XXXX XXXX , XXXX . and have tried to work out a payment arrangement although at this point I am not sure if I owe this debt and to whom I owe it to. I have made contact with this company and the representatives have been very rude, condemning and condescending.