davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (KY)

Attempted to prequalify to make a purchase on a partner site. Filled out the form and was told they could not verify identity. I had used a browser auto fill entry and didn't realize until later that it only entered an initial instead of the full first name. That should not have mattered since I have the initial on file with financial services also. Could not find a way to correct the error and resubmit. Contacted customer service via email and got two completely unhelpful replies. Found a phone number and called, but again, responses were unhelpful. They refused to let me correct the name error or delete the file so I could try again. Escalated to a Supervisor ( XXXX ) who was also unhelpful. Escalated to a manager ( XXXX ) who said all she could do was send a link to be able to submit .pictures and documentation that was not required for the initial form. Stated there was no one above her I could talk to and, that the file could not be deleted. This company has numerous complaints against it. I need ALL personal information deleted from their files.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

A wire was sent to my wife for {$1500.00} on XX/XX/2021 ( note : I have previously wired money successfully to my wife ( XXXX XXXX using the exact information in the past- it was a default drop down on my Wells Fargo online account ). Though the {$1500.00} was immediately removed from my checking account, my wife has still not received the money nor has the money been returned to me. I have made numerous calls within XXXX in last XXXX  days, over XXXX hours of my time, having been transferred to at least XXXX different people- being passed around. I have been told a variety of reasons, including because I used the word florida in my wire memo ( note : we just came back from a florida vacation where my wife was paying associated bills ). I was told to visit a personal banker which I did XXXX XXXX hour of phone calls by the banker to wire operations etc, they still have no answer for me.now over a day later since visiting the banker. At no time has any Wells Fargo employee contacted me about my issue.despite multiple complaints over XXXX days. It is unimaginable how a bank removes my money for a very basic wire transaction and almost a month later has XXXX information on its resolution. I am still out the {$1500.00} and my wife called her bank ( XXXX XXXX  XXXX ) and they assure her the problem is at Wells Fargo end. I fear the problem at XXXX is systemic that should be fully root caused as there was absolutely nothing complicated about my transaction. Please help.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

XX/XX/2019 I bought a lawn mower from Home Depot. I was told by the clerk if I opened a Home Depot credit card account I would not be charged any interest for 6 months. When the 6 months was passed I was charged {$350.00} in interest. I had no idea that if I didn't pay the card off in the first 6 months I would be charged that kind of interest for the first 6 months. What a CON job! I '' m single, retired and on a fixed income and would never of opened this card if I would have known this would happen. It should have been explained to me. Maybe the clerks get a bonus for getting naive people like me to open accounts. I called Home Depot and complained but they just blew me off. I asked if I would get a responce from Home Depot and was told probably not. That was a few months ago.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Clear Recovery, Inc. (NY)

Received call from Merchants Credit Adjusters on XXXX XXXX on XX/XX/XXXX. Caller identified himself as " XXXX '' and asked for verification of the address of record, which I verified. XXXX ' tone was overly aggressive and condescending, even after I mentioned that I had set up a recurring payment via my bank to satisfy the debt. XXXX stated that I told a another representative on a previous call that I was unemployed. During the initial call I had some technical problems looking up the information on my account, meanwhile XXXX was continually condescending. After finally locating the info, I discovered that in fact recurring payments have been setup for the XXXX of each month culminating to the total balance. In fact, the first payment was made on XX/XX/XXXX, prior to receiving this call. Upon calling back Merchants, the 2nd representative refused to identify herself and told me that the Supervisor would call me back. I have not received a call back as of this writing.
Consumer complaint received 2021-03-31
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (TX)

Ally Financial has incorrectly reported that I had a past due status which I did not. My truck was completely totaled out by my insurance in XX/XX/2016. They are stating I was late which resulted in my credit score dropping 50+ on each side. I have contacted them and the credit companies.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (IL)

Discover card put a block on my acct and blackballed me from contacting them by phone had a 3rd party to call who heard all my business at that time made aware about a block was hoping it was not due to the fact I had commented the review process at the time of my request for an increase was never approved even when my credit was credit worthy also asked them if any XXXX American were cust serv reps
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

only equifax is reporting two consecutive late payments on my XXXX XXXX XXXX account number XXXX this is inaccurate reporting cause the creditor XXXX XXXX XXXX has already removed these late payment back in XXXX, but equifax does not change this inaccuracies, i have disputed and tried to make sense with them but they are not cooperating, although XXXX XXXX XXXX has already changed their side of inaccuracies. 
please help me to correct this inaccuracy form equifax credit reporting agency thank you, i will be attaching the letter from XXXX, which represents the approval.
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc (CA)

THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITYXXXX CA XXXX XXXX XXXX 2017 To Whom It May Concern : Your firm has continuously contacted me over an alleged debt in the amount of {$250.00}. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, including proof of a contractual obligation that binds me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX Plaintiff, vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to a speedy resolution of this matter.
Sincerely,
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I have a trial modification program with Ocwen for XXXX t the first payment due onXX/XX/XXXXwhich I paid onXX/XX/XXXXok I have the modification papers alll is good onXX/XX/XXXX I noticed the payment was shot bu XXXX dollars called them and notified that on XX/XX/XXXXthat I would submit the difference of XXXX dollars to be exact o me that by y .The XXXX XXXX confirmed XXXXandI actually paid total of XXXX dollars em is st systs was paid by XXXX yet there system still shows or reflects no payment made I need help please help me as I a single father with XXXX XXXX children loan # XXXX
Consumer complaint received 2017-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

OnXX/XX/XXXX, I made two online transfers from my Bank of America account to XXXX XXXX at mobile number XXXX, each for {$100.00}. She did not receive either transfer so I wrote her a check for {$200.00}. Later I determined that Bank of America had debited {$200.00} from my account for the two online transfers. After considerable hassle getting to the " right department '' I finally spoke with someone in the " move money '' department. They said they would research the transaction and if it was sent to the wrong account I would receive a credit and if it was sent to an account associated with the mobile number I provided Bank of America they would have the receiving bank reach out to the owner of the account to if the money was sent to them in error ( and then credit my account ).
No one got back with me. I called again XXXX XXXX and was told that Bank of America 's records showed both transfers were made to an account at " XXXX XXXX '' but when they contacted XXXX XXXX that bank had no record of the transaction. Bank of America told me they would do further research and get back with me. They did not. I did some internet research and did not find an " XXXX XXXX ''.
I called again on XX/XX/XXXX. I was told they had determined that they would not give me a credit, nor could they give me the name of the bank ( even though they had already told me the name onXX/XX/XXXX ) and could not give me the name of the account owner. I let them know I had already been informed that the receiving bank did n't have a record of the transaction. They said they would be able to send me the documents that they relied upon in making the transaction. They also said that a supervisor would call. They did not send any documents and a supervisor did not call.
I called again on XX/XX/XXXX and they still would not credit my account and the story this time was that there are no documents showing what account they made the transaction to. But even though they ca n't prove that the transaction was made, or to whom it was made, they will not make a credit.
My case number with Bank of America is XXXX.
Thank you for your assistance.
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I applied for a QVC credit card issued by Synchrony Bank. I received a letter in the mail stating that I was denied because the " Credit Bureau Reports a Different Address on File '' I tried to contact Synchrony Bank to confirm that, in fact, the address I applied with is my correct address, but to no avail.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

I opened a safety deposit box in XX/XX/XXXX with US Bank, formerly XXXX XXXX XXXX in XXXX XXXX Illinois. I was regularly depositing cash, bonds, cashier checks, wills, deeds, car titles, and other things. In between the end of XX/XX/XXXX, and XX/XX/XXXX, ( this is an approximate date ), I was in the bank and went to check on my safety deposit boxes, ( I had two filled with cash and the other items I previously described ), and they were still full. They were so heavy that the employees at the bank would comment on how heavy my safety deposit boxes were becoming. When I went back on XX/XX/XXXX, the boxes still had the bonds, deeds, and cashier checks but all of the money had been stolen. I went to the police station, made a report and after some time they assigned a detective to the case. The detective then began investigating the case, in my opinion he did not work hard enough because the bank did not give him the information that he was requesting and was making it difficult for him to get the things that he needed to find out who stole my money, and he did not work hard enough to force them. I don't think he ever got the surveillance tapes, he only showed pictures of me going in and out of my safety deposit box on random days. The bank told him that the tapes were kept out of town and they could not give them to him. I think that is unacceptable. Please help me. That was my retirement. I have learned that it is not wise to put money in a safety deposit box but I still feel that the bank should not have let anyone in my safety deposit box. It is not as if the bank was robbed and the thieves robbed my box, someone was allowed to come into my boxes, both of them. They didn't do this randomly, someone knew what I had in my box and knew to take money out of my box. I tried going through a lawyer, the police, the comptroller of Illinois, and no one was able to help me. Please help. In total I am missing more than {$50000.00}. I used to deposit my tax returns, the cashier checks and cash from rent that I received. I am uploading some copies of checks and I have many more to show how I made my money. If you look at the tapes you will see that I would often cash a check with a teller and go straight to the safety deposit box.
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IL)

My complaint is simple. PayPal has no customer service support. The support phone number automatically hangs up on you. There is no way to directly contact a representative of Paypal. I have an issue with a money transfer and for 3 days I have been unable to contact any support people. I feel like a service that handles money should have a representative to handle problems with their service and my money. Paypal does not have this option. So they have my money and i have no way of talking to anyone, their online chat people cut and paste the same thing repeatedly even though I keep telling them it isn't helping they refuse to provide any contact information to directly contact Paypal.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

My name is XXXX XXXX XXXX. I am an XXXX ( soon to be XXXX ) year old, 26 year XXXX XXXX. The reason I am writing is because I was told some very disturbing news that does not makes any sense to me. 

I purchased my home in XX/XX/XXXX. I have refinanced a couple of times over the years for various reasons. 

In XX/XX/XXXXI suffered a XXXX and a XXXX XXXX. At that point I refinanced my house to add my girlfriend on the title in the event anything happened to me. 

I refinanced my home with Quicken Loans on XX/XX/XXXX. 

My girlfriend, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

As I mentioned I am a 26 year XXXX XXXX. This past year I was told there was a program available to veterans that could assist in paying my property taxes on my home. I inquired about the program and was told by my county that information could not be disclosed to me because I did not own my own home. I did not understand what I was being told because I bought my house and have been making payments since XXXX. 

With the help of family we began to try and understand what I was told. 

Supposedly in XX/XX/XXXXwhen I was in the hospital recovering from a XXXX and XXXX XXXX and refinanced my house I am being told I gave my house to my girlfriend by a deed and that I did not refinance it. I do not understand why someone would think I would do this and I am not sure how this is possible. I refinanced my home to add her on to title. I have been making payments on time every month since I bought my home in XXXX. 

My daughter in law contacted Quicken Loans who last did the refinance on my home. She was told on XX/XX/XXXX by XXXX XXXX from Quicken Loans Originating Team that I was in deed on title at closing in XXXX. She further said that the title company is a sister company and she would have documents forwarded to me showing I was on title. 

I am now being told from Quicken Loans that I am not on title and that I have been paying my mortgage on time every month for a home that I do not own. 

I do not understand. 

In looking at my loan application in XXXX ( copy attached ) with Quicken Loans it shows manner in which title is to be held XXXX. Title will be held in what Name ( s ) : XXXX XXXX, XXXX XXXX XXXX. This goes to show that again all parties agreed that I am the owner of my home. Those were the terms I agreed upon when I refinanced my home. That is why I signed every sheet of paper when I refinanced my home. 

I NEVER gave up ownership of my home. I have no money to go anywhere else. I have equity in my home that I can not afford to lose. I need help to get my home back. 
Loan Information : Quicken Loans Inc. 
Loan Number : XXXX Loan to : XXXX XXXX XXXX XXXX XXXX Mortgage Loan Amount : {$66000.00} My address : XXXX XXXX XXXX, XXXX, Ohio XXXX
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

This complaint concerns Synchrony Financial. Synchrony Financial offers store credit cards with deferred interest. I had a store credit card with XXXX 's XXXX. Another furniture retailer, XXXX XXXX XXXX XXXX was able to use this existing account to process a transaction. The terms of the transaction were such that I was able to get 18 months no interest on the purchase. The purchase was for XXXX. Due to an issue with the store, I sought a refund and the store agreed. The store put a XXXX credit. However, instead of XXXX out the account, Synchrony applied the credit to a different Synchrony account I had with another vendor, XXXX XXXX. The XXXX XXXX card had a larger balance and a longer no interest term, ( 4 years instead of 18 months ). I believe this was intentionally done by Synchrony. Now I have to make two monthly payments instead of one, and I have a high balance on account with a shorter no interest period.