davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ALLY FINANCIAL INC. (CA)

I have had an online checking account with Ally Bank since XX/XX/XXXX. I never opted in to overdraft protection with them, nor did I agree in writing or verbally to allow the bank to pay overdrafts on my account. At the time I opened my account with Ally the bank 's overdraft fee was {$9.00}. 

On XX/XX/XXXX, a merchant erroneously charged my checking account {$84.00} via an Internet transaction. I had {$23.00} in my account at the time. Despite my never authorizing it to do so, Ally paid the debit and charged me a {$25.00} overdraft fee, nearly triple the amount to which I had agreed when I opened the account. I called the bank and the representative told me payment of the item was at the " bank 's discretion. '' According to my understanding of the law, that is not the case because I never authorized it to pay transactions that overdraw my account. I also asked why the fee was {$25.00} versus {$9.00}. The woman stated that the bank increased the fee in XX/XX/XXXX and had sent a letter notifying me. Despite the fact that I have received every single statement the bank has ever sent me, that letter mysteriously did not arrive. Nor did I receive anything via electronic mail. 

I have resolved the issue with the merchant in this case, who was completely at fault. However, the issue of why Ally paid this amount and charged me a fee is not resolved. I do not want the bank to accept transactions that overdraw my account and then charge me a fee, nor did I authorize it to do so. I was illegally charged hundreds of dollars in fees by XXXX and received a {$3.00} check after it settled its class action suit for what amounted to chump change. I vowed at that time never to be victimized in the same way again. Yet here we are. 

In addition to the fact that Ally should not have allowed this transaction, I was also not notified that it had gone through. The bank is required by law to tell me about all overdrafts and fees so I can take appropriate action if need be. Had I not on a whim checked my account this transaction would have stayed there until my next statement, at which time the account would have been overdrawn for & gt ; 10 days. According the the bank 's representative, allowing the account to be overdrawn for that amount of time -- even though it never notified me and it was the merchants fault, could have resulted in the overdraft activity being reported to XXXX and also negatively impacted my ability to conduct certain types of business with the bank.
Consumer complaint received 2015-11-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I had a signature loan with this company and when I went in to make my payment I was told that I had to covert over to their flex pay loan. Initially If I made XXXX payments I would have the loan paid off. I was tricked into changing over to this new loan with them. I was under the impression that I would still have the loan paid off when I made my XXXX payments. When I went in to make my last payment I was thinking that I was paying the loan off and the balance was still XXXX dollars. I feel that I was deceived and forced into a loan that I did not want. Full disclosure was give. I 'm a victim of deceptive predatory lending. I know the law has been broken
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

We have been in foreclosure for over 6 years now. Throughout that time we have been passed from several different servicers. First XXXX then to XXXX XXXX XXXX and now Resedential Credit Solutions ( RCS ). We have tried for over six years now to try to get the servicer to modify our mortgage. Each time we were denied for whatever reasons they said like we do n't make enough money. More recently RCS declined modifying our mortgage they say because we do n't make enough money. We asked them several times to lower the principle balance of our home because they are asking us to pay over a million dollars for a home that is worth less the. Half of that. They are asking us to pay all the late fees, the mortgage for six years now and other fees, taxes and such. We want them to lower the principle balance on the home to what it 's worth today and forgive all the past charges and fees. We want them to bring the mortgage current so we can stay in our home we lived in for the past 10 years now. RCS has given us the run a round by telling us we do n't make enough money to pay the mortgage. We do if they forgive the past 6 years of fees. They wo n't work with us and I 've faxed and relaxed hundreds of pages of paperwork to RCS. They are now foreclosing on us with a sale date of XXXX XXXX 2015. We would like consumer finance to hopefully help resolve this matter with RCS. At the end of this we want RCS to modify the mortgage to what the home is worth anywhere from XXXX to XXXX, forgive all the past charges, lower the interest to 2 % at a 30 year fixed rate. We want to keep our home. I have tried for over 6 years to get the servicers to comply with us and they never have. I feel they are greedy and do n't care about homeowners they are out only for themselves. Please help us in any way you can. Thanks for your time in this matter. We hope that RCS hears us loud and clear we want them to modify our mortgage at the rate that the home is worth and forgive all past charges fees etc. Thank you
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing in regard to the account for the above named ending in XXXX. I was recently made aware that certain charges to this card were placed in a " pay over time '' option. This oiption was initiated in XXXX 2011. 

Neither I nor my wife asked for this option. As a result there have been 15.25 % interest charges revolving since XXXX 2011. 

Our fault was not paying attention to this account - which was set to auto pay full balance each month. 

The other result was that the minimum balance was being paid monthly. 

Neither I nor my wife asked for this option. XXXX inquiries to the Security Division at American Express resulted in a response of " the change was initiated online '' and that I was liable for the full amount. 

Additionally, there are several unauthorized charges on this card. They are marked in pink on the attached spreadsheet. 

I have opened an investigation. It is case # XXXX. 

I NEVER authorized the opening of a " pay over time '' option. I admit to never opening or examining statements. I will pay any charges incurred by my family. 
I am asking that I be credited for interest paid. 

I am currently in a tough position - stopping payment would result in poor credit. Making payments could possibly imply guilt. I am stuck - I must protect my family.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: First Data Corporation (NC)

Still being ripped off by Money Network double charging for ATM Fees, on XXXX/XXXX/2015I was charged {$2.00} by the ATM and Money Network charged also an extra {$2.00} totaling {$4.00} for XXXX transaction. I tried purchasing to beers totaling {$2.00} and was declined. I intially requested, before receiving a new debit card to close my account and send a check in the amount of balance which was {$25.00} and to close my account! They said they could n't and XXXX XXXX XXXX states the bank must, so that 's plain to see that theres a run-around scam oney racket in banking still ago! Please request to them to send me the {$2.00} that is to be left in my accunt and then close it? Thank you!!!
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (MN)

On XXXX XXXX, 2015 I applied for the US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was instantly approved. I was charged the annual fee of {$75.00} soon after. At the beginning of XXXX, US Bank announced that as of XXXX XXXX the Bonus Award Nights feature would be gone. This kind of devalued the program by a half. 

Planning for a trip to XXXX in XXXX I decided to go for another US Bank Club Carlson Premier Rewards Visa Signature Card in order to get enough points before the Bonus Award Nights benefit was discontinued. I applied for the new card on XX/XX/2015. The application was then under review. 

I called the reconsideration line the next week. The agent said my application was turned down and all of my XXXX existing US Bank credit cards were closed as well. I tried to reason with him. He gave me a number of the security department or something to call. The XXXX agent rejected my appeal as well despite the fact that I have a clean credit report and I had been a customer of US Bank for a year. The reason she gave was that I had too many newly open credit lines and they thought I am too risky of a customer. 

I can not accept arbitration like this. If they thought I am too risky as a customer, why did they approve me in the first place? How could the rejection of a new application lead to the closure of all existing cards? The fact is I had a new charge card in XXXX and XXXX new credit cards in XXXX including XXXX US Bank credit cards ( more can be said about this ). All the other banks are fine with it since I always make payments on time. 

What I try to argue is that US Bank can not take my annual fee and then remove the card benefits that were promised upon approval soon after. Besides they can not close all my cards for arbitrary reasons two months after they take my annual fee.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (IL)

I 'm an XXXX. On or about XXXX XXXX, 2014, I received an email from a person who purported to be a woman in XXXX trying to collect monies due on a divorce settlement agreement entered here in Illinois, and asking my assistance for this purpose. I entered into a retainer agreement with her for this purpose, and she sent me a check for the retainer and put me in touch with her alleged ex-husband. The arrangement was that he was to send me checks for the settlement amounts, and I was to send them to my client through my business account at Chase ( where my client also had an account. ) The client gave me her bank info so I could wire transfer the check amounts to her account. The first XXXX checks went through uneventfully. The XXXX check ( well into the XXXX figures ) was paid as a wire transfer by my branch of Chase [ NOTE THE CHRONOLOGY HERE! ], but then the original check was refused for payment because some of the information on its face had been altered. When I was informed of this, I attempted to contact the client, with no success. I have tried a couple of time since then, but have still had no success. 
A few weeks later, Chase froze all of my accounts ( XXXX of them ), and they are still frozen. They have notified me that I am responsible for repaying them the XXXX-figure check. I could not possibly do so, even if I liquidated all my assets. Chase has essentially impounded roughly {$12000.00} of my funds. They continue to levy regular bank charges on both accounts, and to send me statements and other mailings. 
I retained an attorney for this matter last year, but he was conflicted out of the case when he became employed by a firm that represented Chase. His approach to the case was less than helpful to begin with -- it was his feeling that he had done an adequate job in that Chase had not actually filed suit against me for the XXXX-figure check, even if they had also not returned my funds. 
Although I am XXXX myself, I have no expertise in banking matters, and we all know what XXXX says about XXXX anyway. 
I have all of the documents that exist in this case, and have also sent copies of them to Chase, and will be glad to send them to you on request.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX of XXXX XXXX assistance XXXX total, XXXX XXXX XXXX total, an account through XXXX XXXX. Please help as this agency is not complying
Consumer complaint received 2015-11-23
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings (TX)

We were late with XXXX payment and Speedy Cash hit our bank account for XXXX without notifying us. This caused major problems with our bank account. XXXX of our credit card account payments bounced and created a bad mark on our credit and we were in the process of qualifying for a house. That made us not qualify for the house and we are having to start over. Also we found out that Speedy Cash sold our phone number to other loan places and we were getting many calls from other loan companies. We had to change our phone numbers.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (KS)

Fraudlent AppraisalBreach of contractDenial of due process ( Arbritation ) Illegal accounting practicesIllegal use of Government Funds ( XXXX ) HFC lured Me into a loan agreement by overvaluing the residence by {$70000.00}. I was denied arbritation and taken to Civil Court. My contract stated if arbritation was requested by one Party the Other Party could n't seek relief in Civil Court. HFC would n't account for the large amount they recieved from XXXX and other charges applied to Mortgage.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

They charged me interest when my balance was negative, telling me that if I pay late, they can charge me interest for two months after my balance is XXXX. Charging interest the first month makes sense -- I pay late, so they charge interest. But I paid not long after the due date, and then the balance was not just XXXX, but negative. They told me they can charge me interest anyway, for two months. I am not worried about the money per se, just that it is a fraudulent practice that is hurting other people, as well.
Consumer complaint received 2015-10-21
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CURO Intermediate Holdings (TX)

The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to XXXX XXXX XXXX XXXX. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.
Consumer complaint received 2015-05-08
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (SC)

Synchrony bank starts calling about 1 & 1/2 weeks before payment is due from XXXX until XXXX XXXX or XXXX times a day I have ask them not call they have been getting paid so stop harassing me they use automated/robo calls that messages on my answering machine they send e-mails and they use live persons even though I pay they just keep calling every month all day every day until they receive the payment this has been going 4 or 5 months I have repeatedly asked them to stop to no avail
Consumer complaint received 2024-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I XXXX XXXX received a pass due amount on my loan that I had no knowledge of I had gap insurance and to my knowledge the loan was paid off I get a 30 day late charge saying that I owed a additional XXXX which at the time I submitted the payment through my bank account once I knew about it I dispute d this charge and they still refused to take it off of my credit I have always paid my account in full so it was no need to delivered put this on my credit my question is if this was so why wouldn't I pay a XXXX and have paid every month make this make sense to me I want this taken off of my credit report and cleared in good standing, first of all I never knew about and outstanding balance why didn't I receive a call, email, are letter reaching out to me if it was a additional charge that gap didn't pay please get this corrected ASAP thanks in advance
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX. 
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over XXXX dollars in debt. The house cost {$220000.00} and it showstwice on my report. XXXX has sent an control number ( XXXX ) the XXXX and Trans Union andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have Primary removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error
Consumer complaint received 2015-09-02
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Direct Capital (IL)

On XXXX XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as Direct Capitol and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried googling this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (VA)

I have been a Barclaycard US customer since XX/XX/XXXX, carrying their then-XXXX mastercard. When the card switched to the AAdvantage card in XXXX 2015 due to the XXXX Airways/XXXX XXXX merger, I was informed by mailer that my annual benefit ( associated with an {$89.00} annual fee ) of XXXX companion airline tickets would not be continued. I called the card issuer XX/XX/XXXX to see if this benefit could be extended, and if not, to cancel this credit card. The agent I spoke with told me that I would in fact be issued XXXX companion certificates, and she even offered to wave my annual fee as an added incentive to keep my business. My annual fee was in fact waved, but I was never issued the companion airline tickets ( approx redemption value {$800.00} ). When I called today, I was informed that I would never be issued these benefit tickets, essentially that my business had been retained by making false statements. Without the assurance that my benefit of XXXX annual companion airline tickets, I would have canceled my credit card and sought an alternative provider. The Barclaycard reps that I spoke to today ( XXXX levels of supervisors ) all attempted to sell me more expensive products in some perverse attempt to provide me the earlier-promised benefit, but at a cost to me. As I look to purchase airline tickets for holiday travel for my family, I am now going to have to spend an additional ~ {$800.00} that I otherwise would not have had to spend out of pocket.