davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-23
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (WI)

This credit card changed hands and interest rates hit to 29.99 %. They are calling themselves a bank now as well. There seems to be another question and I do not know where that questions full problem is. But, can they call my cell phone? Can they call outside business hours? 

I am paying on this bill besides. It looks as though I am not late either. 

Again I see it if tax % are 3-4 % where to bank cards come out being this excessive? It seems to be a practice here in Wisconsin to change hands in business leaves no binding and or reasonable interest charges to it 's customers? Pass the buck around is for profit. What groups find this bad medicine OK to do? This group needs to recognize thier bad business practicing and take heavy fines for causing citizens to be failures. 

You can also see I have not used this card either since the date indicated too. So why make up figures to lighten the charges?
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

My elderly mother XXXX XXXX was XXXX XXXX 2015 and I her daughter XXXX XXXX went a gathered all her bills to be paid, XXXX account with Synchrony Bank was delinquent and was sent to " XXXX XXXX, XXXX '' in the amount of {$310.00}, I paid the account in full on XX/XX/2015 XX/XX/2015 Synchrony Bank sent a statement with a new balance of {$94.00} with no previous notification or services provided to my mother. I sent Synchrony Bank in writing a letter stating the account was settled, they sent back a letter to her to contact the collection dept. to be better able to assist her. So together we called and they stated they do not deal with XXXX or any third party companies! I read the letter to her and she asked that I hold as she tries to remove the fees ... ... Comes back and states she can not remove the fees. They keep sending statements with more late fees now. Also the account is frozen and she can not use the card for her XXXX needs at this time. So I am now contacting you for assistance. Thank you
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (AZ)

I ordered XXXX bras and XXXX pair of XXXX boots from XXXX online, using JCPENNEY credit card. This was the end of XXXX 2016. I received the XXXX bras, but the boots were not delivered. Shipping receipt said OUT code XXXX. I drove to local penneys, they had boots in stock similar, so I purchase them. Emailed XXXX via secure email on my XXXX account that I had purchased another pair, please credit me for the online order not received. I have sent XXXX emails, called twice, Faxed twice, Called XXXX reported to them. Still being charged for online order that I did n't received. They all say they can not tell what I order or what I received even with the shipping receipt. They have now place a derogatory remark on my credit for something I 've been billed for but never received. Now, plus the charge, there is interest and late fees.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PA)

Chase Visa Charging Loyal Customer {$7600.00} for Chase 's Error On or about 2015 XXXX XXXX Chase Visa accepted and paid unauthorized charges totalling over {$7600.00} from a fraudulent vendor AFTER we reported the issue to Chase and cautioned Chase to NOT pay the vendor in question on 2015 XXXX XXXX. As responsible cardholders we made every reasonable attempt to warn Chase that the vendor in question ( XXXX XXXX XXXX ) was a company acting in bad faith, and that XXXX XXXX XXXX attempting to charge our Chase Visa card with unauthorized transactions. Nevertheless, Chase paid the vendor against our instructions and warnings, and is now insisting that we should pay Chase for its {$7600.00} avoidable error. The vendor in question is no longer in business. Countless hours and correspondence with Chase over the past 14 months have failed to produce any resolution. Chase continues to insist that we should pay for its mistake - even though there is a clear record that we cautioned Chase immediately against this error. Acting in good faith, we have continued to make minimum payments on the card balance, even though this balance is not legitimate, as we have continued to seek an acceptable resolution. As a result, our losses due to this egregious error on the part of Chase Visa now exceed {$9000.00}.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (FL)

I had a credit card debt with Chase bank. I closed the account in XXXX XXXX after the interests rates were elevated to & gt ; 18 %. The debt was sold in XXXX to XXXX ( wrong amount stated ) In XXXX XXXX the law firm XXXX in XXXX Forida filed a suit ( past the 4 year statute of limitations ) for a default judgement stating XXXX of XXXX was the attorney to answer to .. very confusing. a week later I received a settlement offer from XXXX. ( I was in no position to make the payments asked ). In XXXX of XXXX now five years later- I had my wages garnished and on the garnishment it said-XXXX, as assignee of XXXX as assignee of Chase! Ultimately I had over XXXX dollars garnished for an old debt from Chase by XXXX.. that had been through 3 third party debt collectors --
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2016, I went into my Chase Branch on XXXX XXXX XXXX in XXXX to deposit cash to my account via the ATM. The ATM rejected the deposit stating that this was not an allowed transaction. Thinking something was wrong with the ATm, I went in to make the depoait at the XXXX. The teller prepared the documents for deposit and then told me that the account was restricted and I needed to speak with the Officer on the floor. I went to speak with XXXX, the Officer on the floor that day and he looked up the account and verified that this was the case. He asked me to get ID and then he called the XXXX # on the screen and they proceeded to tell him that they could not advise him why nor could they tell me the reason but that I should wait for a letter. The letter never came that explained why they restricted my account, no advice prior, no notice and I had outstanding transactions against the account. XXXX verified that I could remove the funds that were in my account, which I did, and then I paid my rent by depositing cash to my landlords account instead of Chase pay like I normally do. In the interim I also had XXXX other bills that I paid via debit card and there was funds to cover ALL transactions with the deposit that I was making that day. Instead, they cleared the outstanding transactions the next day with no funds in my account and had the audacity to then charged me an overdraft fee too. They the closed my account on XXXX XXXX and sent me a letter stating that the account was closed due to an overdraft situation, which never would of occurred had they not forced me to remove my funds due to the unknown restriction on my account. Furthermore, prior to my going to the bank that afternoon I would not have known that this was the status of my account. I want to know the reason WHY????? the account was restricted, which was the status on XXXX/XXXX/2016. Not the reason that they put on the letter because that was an after fact - dated XXXX/XXXX/2016 after they made the mess that I am now in. They then turned the account to collection immediately after this all happened without any explanations. I want the negative reporting removed from my account as they did not even give a chance for any restitution but took adverse action to cover their mistake and lack of reporting.
Consumer complaint received 2016-07-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (CA)

I took out an auto title loan with Wilshire Consumer Credit on XXXX/XXXX/XXXX. I had a XXXX GMAC Envoy worth about {$6000.00}. I took the loan out for approximately {$3500.00}. 
The vehicle motor gave out at {$200000.00} miles. I requested that the lender pick up the car to settle the debt. They picked up the car and sold it in auction. I never received received any documentation of the settlement. I was told vehicle was sold. This company is reporting this debt in all XXXX XXXX repositories, XXXX, XXXX, XXXX as charge off XXXX balance due. They have a DBA called Westlake Services that is reporting on all three repositories, XXXX, XXXX and XXXX open date XXXX/XXXX/XXXX. This is 12 days after Wilshire Consumer Credit report date of XXXX/XXXX/XXXX. They are the same company. I need this creditor to to remove the creditor Westlake Services with a balance of {$4700.00} to match the XXXX balance as reported by their sister company Wilshire Consumer Credit that shows a XXXX balance. I need the balance of Westlake Services Services as XXXX owed or they need to delete Westlake Services from all the repositories.. This negative balance odf {$4700.00} is affecting my credit utilization on all three repositories. If you look up the reviews with Consumer Affairs and the RIPoff report. This company has a bad reputation. I need my credit report XXXX with this balance of {$4700.00}. They are trying to ruin my credit by trying to report the same information differently. Please have this auto title company remove this balance. I do n't owe it. It should match the same history report as a Wilshire Consumer Credit. 

Thank You, XXXX XXXX : - )
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (RI)

At XXXX XXXX on XXXX XXXX, 2016 I received an email from XXXX that I had been approved for an Amazon.com Rewards Visa Card and that my credit limit was {$5000.00}. The email also included a link to add my new card " ending in XXXX '' as the default payment option to XXXX account for future purchases. The email said further that I should contact Chase for questions on my credit card agreement and that I would receive my card within two weeks in a plain white envelope. Finally, there were instructions for how to go to my Amazon account to view my {$80.00} gift card balance -- my bonus for establishing this new Amazon Visa. 
I did not apply for this credit card and had no knowledge of it until yesterday -- the date that I supposedly applied for the credit card. So early today, XXXX XXXX, 2016, I called Amazon and they immediately transferred me to Chase Bank. During the next 45 minutes I spoke to XXXX people in XXXX different departments, explaining to them that although I already had a Chase Freedom Visa Card, I had not requested nor completed an application for an Amazon Visa Rewards card through Chase. No one I spoke with was able to tell me how this account managed to be opened, nor could they tell me how all my personal information, which I had to confirm repeatedly, had managed to appear on the new application for this account. 
After much persistence on my part, the new Chase Visa account was closed. Finally, the Chase Security Dept. agreed to contact the XXXX credit reporting agencies to have the account marked " Fraudulent '' so that my credit rating would not be affected. 
After concluding with Chase, I called the RI State Attorney General 's Office and they referred me to the RI Banking Commission ; because Chase Bank is not present in Rhode Island, they referred me to the OCC. The OCC then referred me to CFPB, the agency that regulates JP Morgan Chase. 
At CFPB I asked to speak to a supervisor who was able to tell me that there had been numerous complaints about Chase and suggesting that I call XXXX to file a Fraud Alert which would then be relayed to the other XXXX credit reporting agencies. I did this and am now following through with an online complaint to CFPB.
Consumer complaint received 2016-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (NJ)

I was placed on the long term modification program to alleviate my financial difficulties. I have now been out into default because chase did not put the past due balnce into forbearance as the XXXX rep told me would happen. Now all of my loans have become accelerated and are asking me to pay all loans in full. I can not do this, I am barely able to make lower payments.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

This in a complaint against the credit bureau Expirian, cist who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the ditches that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired degastada this situation XXXX.
Consumer complaint received 2016-10-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (MI)

On XXXX XXXX, I opened an account with Synchrony Bank with the intention of purchasing several CDs. I gave the information for the transfer from my checking account at my local bank of {$50000.00}. On XXXX XXXX, Synchrony made an automatic withdrawal not once, but twice, for a total of {$100000.00}, obviously causing my local checking account to be overdrawn. Synchrony returned {$50000.00} on XXXX XXXX, but then quickly withdrew another {$50000.00} the next day! 

After dozens of phone calls and speaking with Supervisor XXXX XXXX, nothing was done in spite of XXXX , XXXX assuring me every day that {$50000.00} would be wired to my local account each day to correct their error. In the meantime, my local checking account was overdrawn and accruing overdraft fees. 

By XXXX XXXX, with no wire of the funds and XXXX XXXX now refusing to answer my calls, my local bank suggested I contact CFPB and make a complaint. I called Synchrony and informed them of my intention. I also requested that the my original {$50000.00} be returned to me and that my Synchrony account be closed. The Synchrony agent, XXXX, informed me that the account could not be closed because they had a policy that no funds could be withdrawn from new accounts for 45 days! I let her know I was recording the conversation and would add that information in my complaint to CFPB. 

That threat seemed to have some effect. At XXXX, a XXXX from Synchrony called to say the {$50000.00} over withdrawal error would be wired that evening to my bank. I also said I wanted to close the account due to the bank 's ineptness. I let her know I was recording the conversation. When questioned about the " policy '' of money from new accounts being on hold for 45 days, there was a long pause before XXXX XXXX stated that was not correct and my origainal {$50000.00} would be returned in three to five business days. It was. 

This complaint was resolved, however I think it is important that CFPB be aware of such unorthodox behavior on the part of Synchrony bank. I have documentation as well as taped phone conversations if you need it. I am sure it was resolved ONLY because of the mention of CFPB, so thank you very much for that. 

Sincerely, XXXX
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Lexisnexis has incorrect information on my report. Misspelled names and addresses that are not mine. These misspelled names are linked to every address that is not my address. On record 5, lexisnexis reported a birthdate that is not mine. Lexisnexis reported that I graduated from a college in XXXX, at the age of XXXX which is incorrect. Because I graduated from high school in XXXX, at the age of XXXX. There are insurance policies that are not mine. I never owned a XXXX XXXX XXXX. I never owned a XXXX XXXX XXXX. I believe lexisnexis reported a lot of my fathers information on my report. Being that i am a JR. i want every incorrect name off my report. I want every single address that is NOT MINE removed off my report. I live at one address, and that is the address i want reported. I want those insurance policies that are NOT MINE removed off my report. Every phone number listed on my report has never been my phone number. I want those deleted immediately. I want that bankruptcy removed immediately. That is not my public record. That is not my address that is associated with that public record.
Consumer complaint received 2015-08-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

We bought a XXXX XXXX XXXX XXXX on XXXX, from the time we bought the boat we had issues. The Engine blew the 3rd month after we bought it, the first time the boat got wet the seats/upholstery bled through red from the tags that was sewn in under all the seats. XXXX disagreed to fix any of it that it was not covered under the warranty. Which in the warranty paperwork it stated it did. This was a {$34000.00} Boat! This was all factory defects. We tried to give the boat back since it was a lemon or have them fix the issues and they would not. We then got the bank involved and we then negotiated a payoff for less than the amount owed. This account was originally with GE Money Bank/XXXX and now they have changed their name to Synchrony Bank. The settlement was for {$8000.00} since that is what the boat appraised for with all the issues and XXXX/GE Money Bank/Synchrony Bank agreed to accept this amount to settle the account. The XXXX Boat Dealer XXXX XXXX in XXXX XXXX, California bought the boat. XXXX XXXX is the Sales Manager that helped us with the settlement and purchased the boat. We conducted several conference calls between Synchrony Bank, us, and XXXX to get this account paid and settled. Our Credit Report was updated appropriately to reflect the account settled and a XXXX balance. Now as of XX/XX/XXXX the account is showing as a charge off again reflecting a balance of {$18000.00} as if the settlement never happened. I called in to Synchrony Bank on XXXX to inquire about the account they told me they could see the settlement and this is a reporting mistake due to the changes with the Bank. That they would correct the issue and delete the trade line off our credit reports. One since the account is so old and two all the issues we have had. I was told to fax a letter to XXXX addressing the conversation we had and do a letter explaining the situation. I did on XXXX. I was also instructed that if I did not hear from them to call in 7 days. I did not hear from them so I called today XXXX and spoke to a Manager by the name of XXXX that told me he would not help me that if I wanted to dispute this I would have to refax all the information to XXXX XXXX in Charge offs to see if they would agree to update any of the information. He did confirm during our conversation all of the information I have provided regarding the settlement and that they did receive my fax with the explanation. We are tired of trying to get this updated when we did our part to settle the account paid what the boat was worth. We feel this is an issue with the bank not reporting the account properly. We paid the {$8000.00} they agreed to accept as payment in full now our credit report is not showing this closed and settled but as a charge off again for the full balance. It needs to be deleted completely off our credit reports or shown as paid in full. How it is showing now is inaccurate.
Consumer complaint received 2016-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services (WV)

Let me start by saying I have been making my payments on time ever since I began paying my loans. I have never asked for repayment assistance and I know that my debt is my own to pay. 

After a phone call XX/XX/XXXX to confirm when my payment would be increasing, a representative name XXXX offered me an extended standard repayment plan. When I got the confirmation of my new payments in the mail, I realized that my new payments would be about {$300.00}. This was a far higher payment than what I 'd been told over the phone. I called EdFinancial to figure out the problem. Turns out, because my debt was {$22000.00} not {$30000.00}, I no longer qualified for extended repayment. This is where the trouble began. I was told by XXXX, a manager, that this was a " silly mistake ''. He went on to say that this " silly mistake '' could n't be fixed. EdFinancial could n't put me back on my old payment plan ... that I no longer qualified. He said that if I did n't want a {$300.00} payment that I would have to go on extended graduated repayment. I was n't happy because I knew that I 'd be paying interest only for 2 years, but at the time I could n't afford a {$300.00} payment. I received my new documents in the mail and went on with my life. 

Today I received a new statement in the mail ( sometimes they come via email and other times they show up in the mail ). I realized that for yet another month, EdFinancial will be withdrawing the same amount that I 've been paying for almost three years. So, I went back to look at my documentation and the information I could find on my EdFinancial account. 

According to the documents I was sent on XX/XX/XXXX, my payment should have increased on XX/XX/XXXX. It has n't, but my loan balance has. I am paying {$0.00} more than I was paying XX/XX/XXXX. At this rate, I will never pay my loan off. All this, because XXXX offered me a plan that I was not eligible for. I have contacted EdFinancial about the situation and I 'm currently waiting for their response. 

I am being penalized because of a " silly mistake '' made on their part XX/XX/XXXX that has been magnified by the errors being made since XX/XX/XXXX. What recourse do I have? How will they be held accountable for the mistakes made with my loan? How can this be made right in a way that I am not paying thousands of dollars more on a loan error that was not my fault?
Consumer complaint received 2015-11-22
Product: Credit card — 
Issue: Convenience checks — 
Company: U.S. BANCORP (OR)

I cashed a convenience check linked to my US Bank XXXX XXXX XXXX XXXX XXXX XXXX. After depositing the check I changed my autopay setting from pay full balance to pay the minimum balance. The autopay setting does not change for 30 days and I was charged a fee even though I had payed the minimum balance. US Bank 's convenience checks create a catch-22 for customers who are enrolled in autopay where either the balance of the recently cashed check is payed in full or a fee is charged ( due to not having sufficient funds in the account ). Essentially, someone at US Bank with autopay is cashing a convenience check that will be immediately payed back to US Bank in full if they have the autopay setting selected.