davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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 (MO)

I have had numerous challenges with the billing practices of Synchrony Bank regarding my XXXX XXXXSynchrony Car Care Card. Consistently, I will log into my account to find my available credit is lower than it should be due to duplicate entries of activity on my account. For instance, I charged {$45.00} on XX/XX/year> for gas. I checked my account days later to ensure it was posted before paying to satisfy these charges. Payment made on XX/XX/year> of {$200.00} to cover the card balance before the statement closing date for this month. I received a Synchrony email on XX/XX/year> at XXXX am to advise the payment made on XX/XX/year> of {$200.00} was posted. Upon logging into my account on XX/XX/year>, the payment is not posted. It is notated as " pending. '' XX/XX/year> I logged into my account to see my available credit is {$45.00} lower than my credit limit in spite of the {$200.00} payment on XX/XX/year> being posted & reflecting on my payment history plus no additional transactions made on my card. I reached out to speak with a customer service agent ( XXXX ) who told me this is normal when I make a payment and charge within 24-48 hours of each other. This explanation was irrelevant and inaccurate ; my last charge was XX/XX/year> while the last payment was XX/XX/year>. The time elapsed would be more than 48 hours between these two dates. Additionally, I requested supervisor assistance in hopes of a more experienced agent having more resources & context to enlighten me on the details. The supervisor ( XXXX ) advised there is always a 7-day hold on the transaction amount so despite the payment being satisfied I'm still under the 7-day hold policy which impacts my available credit. Due to this new and undocumented detail of the account policy, I asked for cardholder literature on this policy to be issued to me for my review to enlighten myself on the details of my account moving forward. XXXX searched for the info and advised she didn't see these specific details on the terms listed she was planning to issue. She advised she would send feedback of my consumer to corporate-level management and I stated I would move forward with my CFPB complaint. I find Synchrony 's business practices to be unethical and deceptive considering I'm consistently making a diligent effort to proactively communicate to use my card responsibly yet I'm still subject to the game of unknown with my account activities posting in a timely manner. I would appreciate any assistance in educating me on the circumstances creating these repeated challenges.
Consumer complaint received 2019-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LendUp Loans LLC (TX)

XX/XX/2019 I revoked there authorizations for Ach agreement thru my account. And I did a stop payment on this ach payment. They told me they would not send it thru on XX/XX/2019. On my dashboard they clearly admit to sending it thru on XX/XX/2019. Without my authorization. They clearly have no way to stop an Ach payment. Which by law makes the Ach agreement invalid. There has to be a way to stop it in the agreement. Which there is not. There Ach agreements are deceptive.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (DC)

Chase has issed denials of receipt dispute documentation and when provided with it refused to assist. 
The charge of XXXX was not authorized nor was there any documentation to substantiate it. 
Am confused why my credit card company of many years would intentionally work against me. 
I am owed XXXX from XXXX from the XXXX XXXX. 
Please return this money that was taken without my signature and consent
Consumer complaint received 2016-02-16
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (VA)

I Have been getting repeated calls from Chase auto loans at my work number for several weeks. If I pick up the phone, they hang up. If I do n't pick up, they let the phone ring. I know it is Chase auto loans because they have left several recorded messages as well. I do not have a loan with Chase auto. I have never had an auto loan in my life. Clearly they are trying to reach someone else - they never say who the call is for in their recorded messages. The number one of the callers has used is XXXX.
Consumer complaint received 2015-11-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MI)

Hi, Chase made a new policy about printing bank statements. I went to my local branch in XXXX XXXX ( though I believe it is now a company policy ), and they claimed that they will charge me {$6.00} for a monthly statement printout. I believe this is unfair, both the amount charged and the fact that they are willing to charge this amount. I am basically requesting a printout of a receipt for which they are charging me .... This is especially vexing as it is not a closed transaction. What I mean is that my bank account is always active, vs. a transaction at a store. I would like something to be done about this.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OR)

On XX/XX/24 I went in person to close my account. I handed teller XXXX both debit cards, yet US Bank kept my account opened against my wishes. Now apparently I have a loan out with them? I no longer have access to either account yet fees are multiplying?????. My credit score is exceptional why is us bank jeopardizing my credit standing?????? Why do they continue lying after XXXX reports of me saying I wanted my account closed, yet they force me to keep it open?????? Since the CFPB does absolutely nothing this report is merely for the record when I find an attorney to sue us bank. I have left a clear paper trail clearly desiring this account to be closed. Why are you trying to destroy my credit and WHEN WILL YOU RETURN THE FEES AND CLOSE MY ACCOUNT? I turned in both debit cards. You took possession of those cards. Lets see what an attorney has to say about your games. This is unbelievable.
Consumer complaint received 2024-03-31
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. (MS)

In accordance with the Fair Credit Reporting act XXXX/ XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my instructions
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NC)

I have sent payments as directed to the Discover, payment agreement and called on XX/XX/XXXX XXXX XXXX to address the following questions. In the payment instructions, it states WE ACCEPT PAYMENTS, PARTIAL PAYMENTS, OR PAYMENTS MARKED IN " PAYMENT IN FULL '' OR WITH ANY OTHER RESTRICTIVE ENDORSEMENT WITHOUT LOSING ANY OF OUR RIGHTS UNDER THIS AGREEMENT. I FOLLOWED THE METHOD PROVIDED AND THE ACCOUNTS HAVE NOT BEEN ADDRESSED THE ACCOUNTS WERE IMMEDIATELY CLOSE DUE TO THE PAYMENT METHOD.. I AM ASKING FOR CLARIFICATION WITH THIS. I DID REQUEST ASSISTANCE WITH THIS AS WELL WITH MY LOCAL CONGRESMAN. BETWEEN DISCOVER AND CONGRESS WE SHOULD GET AN ANSWER..
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo was not able to protect my account from repeated fraudulent account takeovers and theft after a fraudster initially changed my phone number and email in my account, turned off XXXX factor authentication and fraudulently added connect apps such as XXXX and XXXX. The fraudster replaced my phone number and email with their phone number and email initially on XX/XX/24 ( which I promptly reported to Wells Fargo on XX/XX/24 ) and then multiple times to carry out their crimes over a XXXX week period. Wells Fargo apparently made no attempt to flag the fraudsters phone number in their system. 
This resulted in the fraudster being able to steal a total of {$3400.00} in XXXX transfers out of my accounts, and this was after Well Fargo was made aware of the fraudulent phone number had been placed into my account. 
Wells Fargo is refusing to take any responsibility and is stating I authorized these XXXX transfers even though they were done with the fraudster 's phone number.
Consumer complaint received 2024-05-07
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: WELLS FARGO & COMPANY (FL)

I reached out to the bank saying there were transactions in my statements I did not authorize nor anyone in my family did then either. They said they will open a case and investigate and after a month of waiting they said that they found out it was me who used the card. I dont have an account with the merchant nor do I know who they are or what they do and I did not authorize nor allowed anyone to use my card or create any accounts under my name! No one in my family has access to my card nor knows that company that charged me. My XXXX is always with me as well so theres no way anyone could had used ANY of my devices to do this purchase/transaction. 
I also dont have the old car in my possession, the bank gave me a new one. I thought I had it with me but I was unable to find it. 

Transactions : XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (IL)

Dear Sir/Madam, I am writing to file a formal complaint against Southwest Credit Systems regarding their handling of a debt collection matter. 

On XX/XX/24, I contacted Southwest Credit Systems regarding a debt they claim I owe. During our conversation, the representative refused to provide any information about settling the debt and insisted that I must pay the requested settlement amount in full before disclosing any details about the debt itself. 

This approach is not only unfair but also violates consumer rights. As a consumer, I have the right to receive accurate and transparent information about any debt being pursued for collection. 

I urge your authority to investigate this matter and ensure that Southwest Credit Systems adheres to the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ), which mandates transparency and fairness in debt collection practices. 

Thank you for your attention to this complaint. I look forward to a resolution that upholds consumer rights and fair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (LA)

I would like to get my private student loans canceled from XXXX XXXX which should be canceled due to the misconduct by the school that has me in debt do to no fault of my own Ive been paying these loans for probably 20 years and its no way interest should be this high my federal loans have been cancelled for this same practice.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

LexisNexis XXXX XXXX are reporting incorrect information on my consumer report. They have several name variations and address that do not belong to me. I did not receive any solicitation from LexisNexis to dispute this information before they released it and caused me to be denied credit that is my right. Under whose authority is LexisNexis working because federal law states they are required to report accurate information. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, GA XXXX any other address is incorrect. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (PA)

XXXX XXXX Account # XXXX XXXX Open dateXXXX XX/XX/XXXX XXXX Open dateXXXX XX/XX/XXXX Equifax Open date- XXXX XXXX Last active- XX/XX/XXXX XXXX Last active- XX/XX/XXXX Equifax Last active- XX/XX/XXXX Date of Last payment XXXX  XX/XX/XXXX XXXX Equifax-XXXX XXXX XXXX XXXX late XXXX XXXXXXXX XXXX late Equifax- XXXX XXXX late It is also my understanding that Under the FCRA 15 USC 1681i, every single one even each any or all of the unproven, no compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

Multiple letters sent starting in XX/XX/XXXX thru XX/XX/XXXX. With no response or letters back Calls made with being on hold for hours Dispute online unable to upload documents as asked.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MN)

We had a Wells Fargo Home Mortgage from XXXX. During the XXXX XXXX - from XXXX on - we were sometimes late with payments because I lost my job. A single late payment sent us into foreclosure by XXXX XXXXThey  demanded payment of a late fee and XXXX months of mortage payments -the past ( late ) month, the current month, and the next month. We were charged fraudulent Home Inspections fees and turned down for a loan modification. 
I was informed via postcard in XXXX that we were automatically enrolled in the class action suit for fradulent inspections fees and we only needed to make contact if we declined to be included. I heard nothing after this. 
Wells Fargo contacted us in XXXX because - unbeknownst to us- they had also fraudulently enrolled us in a " credit protection program ''. We got a {$500.00} XXXX  check in XXXX. 
This spurred me to track down the more important judgements against them for inspections and loan modification failure. We did not lose our house, but if not for my parent 's financial help, we would have. It nearly destroyed our relationship. 
They are unable or unwilling to give me any information on those settlements.
Consumer complaint received 2024-04-10
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)

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statements to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

I disputeed this before. Basically what's going on is I mobile deposited a check on XX/XX/XXXX. According to the bank website, the mobile deposit would have cleared in 3 days especially with my job who uses PNC. Pnc then informs me after I received a provisional credit from some other dispute that shouldn't have happened because they were supposed to close my card, when I get the proofessional credits they hit me something that said the same. Check that I mobile deposit on XX/XX/XXXX. Was again cash on XX/XX/XXXX which is past the 3 days. That the website states. So after reviewing because of the cfpb, the bank states that they can't give me back my money because the check was cashed twice. However, with this being said, your website said it would be completed in 3 days. The XXXX in XX/XX/XXXX is three times as much as 3 days they are going against what the website says and not giving me my money. I have had this bank account for about maybe 2 months and I have not been able to access any of my funds because there's always something wrong. I feel like this Bank does not have my back. I feel like this bank is just holding my money up. I told I asked them if I should lawyer up and they told me that there was nothing that I would be able to do. Anyway. This is XXXX  wrong, especially going against your own words. I need something done because I have not been able to access any of my funds on this account to even transfer it out
Consumer complaint received 2024-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (CA)

PROBLEM/ISSUE - I need help with my mortgage payments every since my brother passed away as we were both title owners. I have received help from California Mortgage Assistance Program which always brought me current until I can recover from XXXX XXXX crises, due to loss of income renting to traveling nurses. I am still recovering with major setbacks with keeping up my home. Loancare offered me a modification which is totally unaffordable. I did not respond within the 15 days and it went into breach. In the meantime I got a letter from Loancare advising me to apply for California Mortgage Assistance Program again dated ( XX/XX/XXXX ), letter attached, in this complaint dates are extremely important and the issue. I did on XX/XX/XXXX. Since I did not respond to the 15 day return on the modification documents and I continued to follow up with Loancare, I was advised that the modification request could be reinstated, so I did to save my home. Received documents, signed, notorized and overnighted back to Loancare. I signed the documents on XX/XX/XXXX Loancare received the documents XX/XX/XXXX. I had already applied for the State assistance and it was in the process going quite well, as a matter of fact, they had sent the lender a request for a balance to catch up through XX/XX/XXXX. I had also sent Loancare a document that I wanted the states assistance as my interest rate would stay the XXXX vs XXXX dated XX/XX/XXXX, not forgetting I had signed the documents but it was not recorded, until late XX/XX/XXXX as I just received the executed copies ( 5 different packages ) XX/XX/XXXX with a letter dated XX/XX/XXXX. As I continue to follow up with Loancare called same day packages received.XXXX early afternoon and was told the modification could not be reversed and that they have already sent a objection/rejection response stating account is in modification, which puts my head on the chopping block, because that represents I am all caught up, moving foward with a XXXX} increase in my monthly mortgage. How convenient, as I shared my plans with my lender as they had instructed me to do, which was re-apply. I was advised to hold for the escalation department, I did for 48 minutes no one ever picked up to assist, ( which is not a surprise ) I hung up and decided to take another route, this information is it.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I received two letters from Chase Bank about two grocery deliveries ( Claim numbers XXXX and XXXX that I disputed the charge for that required a signature at the time of delivery. I can promise you there was no signature or not my signature because I did not receive the items. 

I am requesting that Chase give mail me all of the evidence that they based this decision on. Now my account is overdrawn wrongly by {$86.00} this combined with them sending me an email that my account was overdrawn when it was not ( which I filed another complaint about ) is starting to look like a matter that involves discrimination.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

RE:  COMENITY BANKXXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX
                    FOR:  XXXX XXXX REALTAIL STORE CREDIT CARD ENDING:XXXX
HAD SAME ISSUES TWO TIMES:  I ALWAYS PAY BILLS ON TIME AND HAVE AN EXCELLENT CREDIT RATING.  COMENITY BANK IS DESTROYING MY CREDIT RATING.  PAID A BILL DUE XX/XX/19 $XXXX.   - I PAY MY BILLS DIRECT PAYMENT THROUGH MY CHECKING ACCOUNT WITH XXXX.  - PAYMENT NEVER WENT THROUGH.  I VERIFIED CORRECT INFORMATION.   GOT HIT WITH A LATE FEE.  NEXT BILL: NOW WAS $XXXX (LATE FEE TACKED ON TO $XXXX.  AGAIN, THIS WAS PAID ON THROUGH DIRECT PAYMENT XXXX CHECKING - SENT: XX/XX/XXXX, TO BE DELIVERED XX/XX/2019  .  AGAIN, COMENITY REFUSED THE PAYMENT, IT WENT BACK TO MY XXXX  ACCOUNT AND RECEIVED NOTICE THAT MY PAYMENT WAS: UNDELIVERABLE.  BEEN HAVING CONSTANT COMMUNICATION WITH COMENITY AND NO RESULTS - THEY WAIT TO TACK ON LATE FEES.  AS OF NOW, I SENT A CHECK IN MAIL TO COMENITY AND CLOSED THIS CHARGE ACCOUNT.    XXXX   XXXX XXXX XXXX