davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

on XX/XX/year> my account went from {$7500.00} to XXXX XXXX i woke up on XX/XX/year> for work and went about my day and when i realized their was no money in my account i instantly called my bank in a panic, i have been waiting for a new debit card for over a month, the first one never came and the second one im still waiting on, they informed me today XX/XX/year> when i made this claim that my digital wallet has been compromised soo i have to wait for a whole investigation with no money??? please help me resolve this problem, the operator from wells fargo stated that these transactions came from purchase XXXX  which i have never used or reconize
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

I have contacted Kia Finance several times. My original loan amount was {$38000.00} starting in XXXX. In XXXX i paid down the loan amount significantly and currently i owe {$21000.00}. They have not updated my remaining loan balance since XXXX and they are refusing to do so or tell me why they havent done it In several months. It is affecting my credit and making it impossible for me to refinance my loan because it currently shows i still owe {$38000.00}. Which is grossly inaccurate. The only thing i was told is that my payments were applied to the principal, applied to future payments and theres nothing they can do. I can provide my statements as evidence.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (AL)

In XXXX  I took out a loan for a car with Santander USA. At the time I didn't know that they were a bad company and were in the process of being sued by multiple states. At the same time that all this happened covid happened. They helped me a little bit, but not very much and in a time where the nation was in distress kept putting incorrect markings on my credit report even though I was making the monthly payments. They would take the payment and only apply it to the interest and nothing more. We contacted the company multiple times about their incorrect reporting not showing that I'd made of payment which was driving my credit score down immensely. We finally got fed up last year and paid them {$20000.00} to pay off the loan even though my loan for the car was {$17000.00}. Between the many months of payments I made and the {$20000.00}, this company got far far above the amount the car was. We won't even go into the fact that 2 months that my payments were weird was because I was sold a car that had multiple problems and ended up costing me thousands of dollars the first week that I purchased the car. Now it's sitting as an adverse account on my credit showing that I didn't even give them {$20000.00}, it's not showing the account as closed and it's not even showing I made any payments whatsoever.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several items reporting inaccurately on my credit file : Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following accounts are showing Inaccurate Late reportings : XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX & XXXX  ) Bal : {$150.00} ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX   & XXXX ) ; Bal : XXXX ; I was never late. 
XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX & XXXX ) Bal : XXXX ; I was never late. 

Inaccurate Public Record Information : Chapter XXXX Bankruptcy - Filed XX/XX/XXXX ; Please remove unauthorized inquiries from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NC)

I have a Lowes card with Synchrony Bank. I set the account up on reoccurring payments on XXXX XXXX, 2015 to pay the balance in full on the payment due date. On XXXX XXXX, I logged in to my account and the payment had not been processed and the put a late charge on my account. Please, someone do something about their fraudulent misleading practices. I will never use the Lowes card again and paid it in full.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (FL)

I noticed a fraudulent account on XXXX XXXX, and I did a dispute on XX/XX/2024. I received a phone call from a man saying he worked for XXXX XXXX XXXX, and he was asking for my current address which I did not give to him. Today XX/XX/2024 a lady rang my doorbell and handed me a paper after reading it, it says has pretrial information to appear in court XX/XX/2024. I have reached out to multiple credit bureaus for assistance and I did a for on the XXXX identity theft website and now I am seeking your assistance.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

If I make a purchase and the funds are available the money comes directly out of my account but can remain in pending from 5 to 7 days but, if one transaction put my account into negative instead of charging me overdraft fee for the single transaction that causes my account to be overdrawn, they charged me overdraft fees for all transaction in pending, even though the funds were deducted from my account. Also if my account becomes overdrawn I'm supposed to get up to 3 days to bring my account updated, but there has been times where I would be charged overdraft fees the very next day. Wells Fargo owes me XXXX or more between both checking accounts in overdraft fees.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

On XX/XX/year> I logged into my Chime Mobile Banking app to pay a bill. I immediately noticed that my XXXX XXXX XXXX was turned off The app for login. I then Logged in with my email and password. Once the account open, I saw that all of my money Was gone. I checked the statements And saw that there were two separate transactions sent to a name that I do not know. One transaction for {$500.00} and the other for {$1000.00} ant anround XXXX on XX/XX/year>. I anlso received an email from chime with a log in request at XXXX that I did not request. Immediately called disputed the transactions. The Chime support let me know that I was qualified for a temporary credit until the investigation was complete. The agent let me know that I should receive the temporary credit in the full amount of {$1500.00} within 10 business days. After I Filed the dispute with chime bank, I was told I would receive information within the next couple of days regarding the investigation. The dispute number is XXXX filed on XX/XX/year> @ XXXX am. The same day XX/XX/year> @ XXXX I received an email update about the dispute, It said that the investigation was concluded, and I would not be receiving a refund or temporary credit that I was promised. I have proof that I did not those transactions and also proof that I was not active in the mobile app from XXXX XXXX  to XXXX XXXX  on XX/XX/year>. I was told by the company that they would send me documents as to why they made the decision to deny my disputes, they did not send them.
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (IL)

My mortgage company, Specialized Loan Servicing LLC, based in Colorado, is using investor guidelines for PMI removal that are in excess of what is allowed by the Homeowners Protection Act of 1998. Specifically, SLS is attempting to impose a seasoning requirement on my mortgage before they will remove PMI. I sent a letter to SLS explaining why the seasoning requirement is not enforceable. SLS sent a written response stating that the seasoning requirement is valid. I am sending another, more detailed letter to SLS at the same time I am submitting this complaint. I will attach copies of all of the relevant correspondence. 

Additionally, I recently received the annual PMI disclosure notice from SLS. The annual disclosure notice does not mention a seasoning requirement. It appears that SLS does n't mention a seasoning requirement until you write to them requesting that PMI be removed.
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I had received an interest charge of {$48.00} which prompted me to call synchrony bank. I asked the person to remove the charge and inform me of how much I would need to pay monthly to avoid another interest payment. She informed that she could not remove the interest charge, as it was past 30 days. She informed that paying XXXX XXXX monthly would avoid further interest. Additionally, I requested that my statements be sent to me through mail I can avoid a " surprise '' interest charge. This month my statement arrived and showed interest cost of {$510.00}. I called immediately and was hung up twice by someone in what seemed to be out of county. Finally, I reached a person and he informed me that my promotion had ended, as it ran for a year, and that I was responsible to pay the remainder of the cost to avoid the penalty. I informed that my statement is confusing and does not specifically inform on the statement the date that interest will begin being accrued. I explained this to the customer representative and he did not provide an adequate response, as I still do not know where to find the information of what will need to be paid monthly to avoid paying interest fees. Ultimately, I paid the overall charge of XXXX, which was a burden but a better option than paying a high interest. Can you please help in forcing this company to provide a statement that is clear in informing when interest charges will begin accruing.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I got the American Express Everyday credit card after being told BY THE COMPANY and it's advertising that it offers balance transfers without an extra fee and no interest for a specified number of months. When I got the card, it was only for {$1000.00} instead of the {$5000.00} limit advertised and then I was told on the phone I could get a balance transfer of up to {$750.00} but when I tried I was told they were not available for this card. That is fraud, misuse of my credit, bait and switch and fraudulent inducement. They are a bunch of crooks. I want my credit hit back, my balance transfer and/or compensation for the damage to my credit rating and reduction of credit I could have obtained anywhere else.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I had 2 loan balance transfers owing to Citi Cards. One was known as Balance Transfer 6 and one known as balance transfer 7. I called Citi Cards on XX/XX/2024 and was told the amount owing on Balance Transfer 6 was {$2300.00}. That that loan balance had a 0 % interest rate which was going to increase to 24.24 % on XX/XX/2024. I wanted to avoid the high rate and pay it off. I gave them my checking account information and they took the {$2300.00} payment. 
I got my XX/XX/2024 credit card statement and the loan balance was NOT paid off. They applied it to Balance Transfer 7 saying by " law '' that the # 7 loan was the higher rate at the time and they had to apply it that way. They said wait a day or 2 until after the rate jumps to 24.24 % and call to pay it. 
So since the rate was to change on XX/XX/XXXX, I called again on XX/XX/2024 and confirmed the rate was now 24.24 %. I asked for the balance and was told it's {$2300.00} and to pay it off I needed to pay the balance, plus the Minimum payment of {$190.00} for a total of {$2500.00}. To be certain it gets paid in full I made a payment of {$2600.00}. 
I got My XX/XX/XXXX statement and the loan # 6 balance is still there at 24.24 %. 
I spoke to a Account Supervisor who agreed that the payment should be reversed and the interest refunded. I was promised a call back in 4 days and never got the call. 
I called today XX/XX/2024 and balance transfer # 6 is still there at 24.24 %. 
So I tried to pay it off twice. I am now being charged 24.24 % when I should not be owing anything on that balance since XXXX!
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (CA)

I received the promotion email from Chime on XX/XX/XXXX. It clearly stated that I'll get a XXXX bonus when I refer a friend by XX/XX/XXXX. I referred my friend on XX/XX/XXXX and he signed up using my referral link. Afterwards, he completed a XXXX XXXX of $ XXXX on XX/XX/XXXX and completed all required steps to be eligible for a welcome bonus. 

However, I only received XXXX instead of the advertised XXXX In the email communication, the Chime representatives have given me the runarounds and they stated that I must refer a friend BEFORE XX/XX/XXXX to get the XXXX bonus. This is clearly inconsistent with the promotion advertisement.
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (IL)

Santander consumer USA. Has been involved in a law suit and Illinois was involved. And it included me. Do to bad practice and 24 % interest rate on a made up credit score. And they sold me car gap insurance without my knowledge witch made my car payment XXXX $ a month A 5 year contract loan had the vehicle 4 1/2 years with a balance of XXXX. When original price was XXXX. Santanders aqreed to remove from my credit report and they have not. And also they aqreed for giveness loan and give me title to the vehicle that I already paid 3xs for it. My next step is filing a civil law suit with a attorney.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (IL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a car loan that I didnt approve of.
Consumer complaint received 2024-04-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I did not apply for or receive any services or equipment from XXXX in 2018 or any other date ; nor do I have a legal relationship or obligation with XXXX nor its collection agency JEFFERSON CAPITAL SY XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have not received any correspondence, billing, or contracts from XXXX or Jefferson Capital. XXXX nor Jefferson Capital provided any documents that support a legal obligation or contract for the debt in the amount of {$3400.00}. I filed an identify theft report with my local police. This is a violation of the FCRA / privacy act.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

following accounts are incorrect, and they are adversely Affecting me DEBT Of ED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

ALL CREDIT AGENCIES REPORTING ID FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX, XXXX '', WELLS FARGO, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX ID FRAUD ACCOUNTS FROM CREDIT FILE ASAP
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (MS)

I was a victim of Fraudulent Charges on my XXXX XXXX XXXX XXXX Back Credit Card and was issued a new credit card and when I called a week or so later to check on why I haven't received my new pin number in the mail, when I called the customer service number listed on back of card, ( XXXX ), I get a recording stating " You are not authorized to call this number '', so how am I suppose to speak to a rep about my account? I tried calling the number several times and I get the same response. I even called using XXXX and it said the same thing. I have a right to speak with a representative at the number provided on Billing and card, it's like my number has been restricted without good cause. I am a good paying customer, have never been late with payments, etc., and current, etc. I want to get an update on the fraudulent charge investigation, but can't cause my call won't go thru ... .All other phone calls are working on my phone wiht no problem, I believe it is XXXX XXXX XXXX XXXX BAck fault for " whatever reason ( XXXX ) ''.
Consumer complaint received 2024-04-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CA)

IQ Data, a debt collection company, called XX/XX/2024 to collect a final payment due for an apartment rental, opening case number XXXX. This payment had already been made to XXXX XXXX XXXXXXXX XXXX in XXXX, CA with a {$670.00} cashier 's check on XX/XX/2024. IQ Data said that this payment had not been received and requested payment of the principal plus interest totaling {$690.00}. Within an hour of the call, we sent IQ Data a photocopy of the paid cashier 's check and an email from XXXX XXXX proving the payment had been made. We also informed IQ Data that we had just called XXXX XXXX XXXX management who had indicated they had experienced an accounting problem and would inform IQ Data of their error. However, IQ Data did not confirm this with XXXX XXXX. 

IQ Data said their policy was to require payment of the claimed debt while they investigated, or they would file a negative credit report until the matter was resolved. As we already sent proof of payment and the confirmation that the rental payment was already paid, it did not seem appropriate to pay the debt again. So XXXXQ Data proceeded to file the negative credit report. 

It appears to be inappropriate to request additional payment when proof of payment has been already provided.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MI)

On XX/XX/XXXX There were XXXX charges to my credit card from Goldman Sachs stating that I charge them in Florida in which I live in Michigan. I haven't been to Florida since XXXX. XXXX Of the charges were for {$200.00} At XXXX different XXXX in XXXX XXXX, Florida. The eighth charge was at an XXXX XXXX gas station XXXX XXXX, Florida, all charges were made within XXXX minutes of each other. I immediately contacted XXXX sachsthank and they Removed all XXXX charges and said they would investigate 2 months later they sent me. 
Emails stating that I am responsible and that, I okay, the charges which I DID NOT. I've called XXXX separate times nothing happened. They keep saying that I'm responsible and that they're done doing their investigation even though they don't have any information. I called XXXX different police departments for each of the transactions, I feel like my hands are tied and extremeldefrustrated I always have my bills paid on time and now they're messing with my credit. Please please help me.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I was given credits for canceled flights by XXXX XXXX through my chase bank account. The fees were reversed and took my account over {$400.00} negative and my account was closed by the bank now I can not open an account with any other bank or credit union due to this the airline was supposed to issue a flight credit and never did then told the bank that I was on the flights so the bank said that cant go against the airline. The dates are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 and XX/XX/22 the balance was {$470.00} that I was charged
Consumer complaint received 2020-06-25
Product: Checking or savings account — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (OR)

In XXXX of 2018 I went into the US Bank branch located on XXXX in XXXX OR to remove my name from the joint accounts I was sharing with my ex boyfriend. They were happy to assist and all was good until about a year later when I receive a notice in the mail that I need to make a payment to the Line of Credit attached to that account. I called the Bank and after looking up my information, they confirmed that I had indeed removed my name from this account and to disregard the notice, as my ex was getting the same letter. A few months go by and I receive another letter from USBank stating my account is past due. This time I go into the same bank branch and speak with a manager who proceeds to tell me, they can see that I was removed from the account and not sure why the LOC account was not also closed at that time, which at that time had a XXXX balance. They confirmed to me that they would call my ex to inform him of this balance created after my name was taken off the account. Another couple months go by and I receive the same letter. This time I start making payments myself as I can't reach out to my ex and the bank has not helped me. This has created a significant dent in my credit score for debt that is not even mine.