davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

I have a XXXX Homestyle Renovation Loan being serviced by imortgage in XXXX, AZ. I had the mortgage company required consultant submit the third and final draw request complete with all of the documentation for the draw on XX/XX/XXXX and it was received by imortgage according to an agent I spoke to, XXXX XXXX, on XX/XX/XXXX and he said he would process the checks. This money was to pay the contractors who had finished work on my house two to four weeks before. On XX/XX/XXXX, I received a call not from imortgage but from an appraiser that originally appraised my house stating that imortgage wanted an appraisal by XX/XX/XXXX. As I was on vacation in XXXX, which was known by both the agents I dealt with at imortgage, and was not due to return until XX/XX/XXXX, I immediately contacted XXXX XXXX, the loan administrator at imortgage to express my dissatisfaction for this unnecessary delay to the release of my contractors funds. He said he was not going to release these funds even though the documentation was complete for him to do so. ( The XXXX previous draws have been released with the same information. ) While there is a requirement in this loan for a reappraisal before the final distribution of any remaining contingency funds and the loan is closed I believe XXXX XXXX, is committing fraud by claiming that he can hold these draw funds intended to pay my contractors until a final appraisal is completed. 
While I contacted several XXXX complaint operators, as they are the ones who own my loan, they said they could not help me because they do not enforce the requirements on the lenders only on the customer. 
I will be contacting my Senators and Representative concerning XXXX 's lack of customer service as this is the type of practice that got them in trouble XX/XX/XXXX. I 'm hoping that yours is not just another government waste of time and will actually do what your mandate implies..
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (OH)

I have an unverified account from CONVERGENT. I had previously disputed this account. I have never done business with CONVERGENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ONVERGENTProvide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CONVERGENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity theft. I filed a police report and a FTC report and submitted them to the credit reporting agencies with my disputes. The disputes were not filed correctly and the paperwork was not attached per the FCRA> And I did not get copies of the verification process. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (NY)

I obtained a credit card from US airways that became a Barclay card. There was an associated member fee that I did not pay due to the fact the card name was changed from us airways to Barclay and i did not realized the fact until late. the account was closed. I wanted to pay them whatever was due at the time of the account closure but they refused and keep adding an exorbitant fee each month on an closed account. I need you to help me find a fair solution to XXXX parties. I want to pay what the money for the annual fee but I do not want either to fall victim of extorsion. I believe the fee should be around one hundred dollars but now they want {$270.00} by early XXXX.
Consumer complaint received 2023-07-24
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (FL)

American Express has been charging my credit card {$14.00} a month for the past 6 years for a product named XXXX I have a serious Identity Theft issue that has resulted in me being reported as deceased on all XXXX credit bureaus and a company with a data breach that exposed all of my personal information. I contacted XXXX who informed me to contact XXXX XXXX company to get a copy of the policy and proceed with a claim only to learn months later that my claim was denied and I still have these score of XXXX on my credit report stating that I am deceased. I 've had to retain an attorney on my own because this XXXX XXXX XXXX is deceptive and misleading and you wo n't know it until you have a claim and it covers nothing as it is advertised. American Express has charged me a total of {$1000.00} in the past 6 years and I demand all of my money back immediately. I 've called Customer Service for the past month been hung up on by supervisors and customer service representatives. I 'm trying to resolve this matter with American Express in a professional manner without civil action.
Consumer complaint received 2015-06-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

This is a XXXX complaint on CFPB CaseXXXXXXXX. I received the letter dated XXXX/XXXX/15 reflecting a balance of {$3700.00}, Synchrony said they had credited the account due to customer service and goodwill. We immediately paid this balance of {$3700.00} on XXXX/XXXX/15, to be 100 % finished with this company. Today on XXXX/XXXX/15 I received a statement showing a payment of {$3700.00}, than a {$25.00} late fee was applied for not making a payment on XXXX ( I was in a dispute with them ... seriously why would I make any payment until I heard their response ), also there was an additional {$220.00} interest applied AND a new balance of {$6600.00}!!!!!! I am so upset and would NEVER recommend a person to open a care credit acct with Synchrony!!! The balance ( proof in their document in response to my original complaint ) was paid off and I want a new statement mailed reflecting a XXXX balance. This is absolutely ridiculous!
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (FL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (MO)

I was in need of emergency dental work but did n't have the means to do so at the time.I went into my dentist office and was asked to apply for the care credit card/synchrony bank.I was told that it was an internet free card.As time went on and after making multiple payments I often noticed that my balance did n't decrease much over the years.They often applied late charges to my account even when I paid on time.They often sent my account to the credit bureaus after a week 's time or before the 30 day reporting period.I always disputed them with the credit bureaus and they removed them from my account.I was never told when signing up for the credit card that the interest was being deffered and that my {$1800.00} balance would now increase to {$2800.00}! I paid my bill on XXXX, 2015 in the amount of {$94.00} as stated on my bill.When I called to check the balance it stated that I still had a balance of {$2800.00} even after the payment which was paid on the due date.I then asked for a representative and he told me that my balance will never decrease because I am only making minimum payment due.I then asked for a supervisor and she repeated the same nonsense.She went further to say, '' if you continue to pay the minimum amount due you will pay off your debt in 15 yrs and will end up paying a total of {$7700.00}! She then said if you pay at least {$110.00} a month you will pay it off in 3yrs and will be paying {$4100.00} ''! Are you kidding me.I could n't believe that an {$1800.00} credit card limit would increase {$1000.00}! I had to research this company 's business practices after looking at the scam that was going on and saw that I was n't the only one feeling this way and saw that CFPB filed a lawsuit against them for these predatory lending practices.They are worse then the payday loan places! I hung up from the call after no resolve.I then took a moment and called them back to ask for the reimbursement form mentioned in the lawsuit because I never heard or received information regarding the lawsuit.They said my account did not qualify for the reimbursement in the lawsuit.I find it hard to believe when I got the card during that time period.I 'm fed up with being taken advantage of by these people and the injustice of it all.It is sad that they are taking advantage of people in need of immediate healthcare.Please help me get to the bottom of this issue.They dance around the questions each time I call.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

1. Incorrect payment application 2. Deceptive advertising 3. Fraudulent / incorrect 4. Incorrect amortization of finance charges ongoing 5. Disregard for basic Truth In Lending Statutes 6. Misleading statements 7. Inability to access promotional charges through online interface I made multiple special financing purchases through my Amazon Prime Store Card which is provided by Synchrony Bank and serviced by Synchrony bank. 

During the course of these promotional periods, I also made normal routine purchases on my Amazon Prime Store Card. 

I have repeatedly had to message in, every month pretty much, to what I need to pay in order to avoid interest charges. I also have to request that it be applied in a way that avoids interest on my non-promotional charges. They have no way of doing this online or through the statement. On my 2 most recent statements ( XXXX 2017, XXXX 2017 ) in addition to at least 1 prior statement, I noticed that Amazon had ( without my knowledge or consent ) changed a very substantial amount of my special financing. I was not given an option to accept or decline this change, nor was I made aware of any finance charge implications or overall cost of financing. In addition, under my activity tab in my co-branded Synchrony Bank ( Amazon ) account - the system has not been able to show me my promotional balances and my statements have been incorrect and the numerous agents I 've chatted with have all told me different amounts and stories about the interest and what has happened with the account. I believe this is a systemic problem within Synchrony Bank servicing and procedure and I 'm left confused and feeling there is n't any real adherence to Truth In Lending Act or the Card Act for the matter. I am now ready to hire an attorney and seek out a class action lawsuit against this company.
Consumer complaint received 2023-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I informed the agent that the debt was paid and not owed. And need the account removed from my report and i was told that they don't remove anything from the report but i could pay additional money and they would tell the report agency that it was paid in full.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Been speaking to XXXX XXXX from Wells Fargo home mortgage. Had left numerous calls to make a payment prior to XXXX XXXX to make a payment, no return calls, received and spoke to the rep who stated she could still take the payments although Wells Fargo had me locked out. Advised I would be making payments the following week. 
On Monday XXXX XXXX, 2016 a rep from Wells left a notice on my door in which I called the number and it was for a payment. XXXX XXXX then called, while speaking to Her she had advised that Wells Fargo had submitted back in XXXX an inspection on the property. Mind you at that time I was n't even 2 months down and there already beginning the wheels rolling with foreclosure and went into explain what I had gone through for 5 years with Wells Fargo and the errors. 
I advised that if Wells was going to start foreclosure already without helping to see what happened with the title company and the calls to me telling me I had to resign my documents 6 months later to send me short sale and deed in lieu documents. 
I proceeded to tell XXXX XXXX that she really had no empathy for the position she worked. She really had the nerve to tell me why should she have empathy with me since im telling her what im doing. 
WELL LETS SEE MAYBE IF SHE WOULD HAVE RETURNED MY CALLS I COULD HAVE MADE A PAYMENT PRIOR TO XXXX XXXX AND NOT BE BACK WHERE I WAS 5 YEARS AGO. 
MAYBE IF SHE CARED A BIT ABOUT PEOPLE AND THERE HOMES AND INVESTIGATED MY CASE PROPERLY I WOULDNT BE BEING FORCED OUT YET AGAIN! 
Its apauling that Wells Fargo have people there that scream and yell. Not her. And This rep., mocking me and the whole process. 
Due to her mocking me and my situation I have asked for a new customer service representative that is n't rude, that does n't mock. 
I AM ALSO DEMANDING THAT THE PHONE CALLS BE REVIEWED AND LISTENED TO AND I WANT WELLS FARGO TO CLEARLY TELL ME THIS IS HOW THERE STAFF SHOULD TREAT PEOPLE.
Consumer complaint received 2015-12-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

My wife and I received about {$10000.00} in XXXX work from XXXX XXXX XXXX in XXXX, Fl. We were told if we signed a Care Credit Agreement that our payment would be {$420.00} per month with no interest for 24 months. Our statements were delivered electronically. I called them today and found out my balance was {$1000.00} because they had charged {$950.00} interest. {$580.00} XX/XX/XXXX and {$370.00} XX/XX/XXXX. They said they charged thge interest because the promotion periods had expired. I was told by XXXX XXXX that by paying {$420.00} per month there would be no interest. I was not told about promotion periods. Looking online I see where the CFPB ordered GE Care Credit to refund XXXX for Deceptive Health-Care Credit Card Enrollment. GE owned Synchrony Bank / Care Credit is doing the very same thing. The have adopted the same deceptive practices. Help please. XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: A.R.M. Solutions, Inc. (FL)

XXXX mistakenly send me to collections. This situation was resolved with XXXX XXXX. XXXX XXXX informed the collection company that this was resolved. I continued receiving collection notices. I requested documentation from XXXX XXXX that this was resolved. I have a letter from the collection company, dated XXXX/XXXX/15 that the account was closed. I received another collection letter dated XXXX/XXXX/15.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one Account closed on XXXX Im still being charged for an account being closed and they are still charging me a late fee for this account. 
Also to inform you, that my account was closed without my knowledge.Supposedly due to suspicious activitys.In which I didnt have any information or was contacted about this matter.I called them about the issue and they told me on the phone.
Consumer complaint received 2016-06-10
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: BOK FINANCIAL CORP (FL)

I have banked with Bank of Oklahoma for almost 30 years. About 10 years ago I opened a Representative Payee account for my mentally challenged daughter. I have now moved to XXXX from XXXX but my daughter chose to stay in XXXX. I pay all her bills by check or Visa debit card from XXXX. My daughter is capable of living by herself but she has issues with money. Social Security is aware of the situation as I have met with them and they have no issue with it. Last year I had some checks stolen. I called the manager of the branch I always have delt with. I spoke with the manager and he closed the account and opened a new one for me by phone. About 2 months ago I get a call for a new manager at that location. He tells my daughters account is frozen and I cant get to my daughters money to pay her bills. He said the Legal Dept says the account was set up wrong and they need proof of me being her representative payee. I told them that this account had replaced another account but they refused to even check the old account. So I faxed XXXX-XXXX different papers because they kept saying they needed more. Then the manager told me that Legal Dept questioned whether I could take care of my daughter from XXXX. I told them that is not their business. I told them that social security had no problem with it. He kept arguing with me so I was so upset at being treated like this for a long term customer. I told him I have to have access to my daughters money now. I told him to close the account and mail me a check for the monies in the account. I opened an account for her in XXXX. It two weeks to get that money. I am XXXX and on a fixed income. This has caused a hardship for me and my daughter. Ive had to try to pay her bills out of my small fixed income. The stress of all this has made my health issues get really bad. I am also in the process of switching my personal account to another bank and will be closing that account also. I have always felt Bank of Oklahoma had awesome customer service that 's why I stayed with them all these years. But obviously that is not true..
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Chex system actually wrote back to you and lied. 
The police said that there is no shelf life or expiration date for a police report when it contains similar offences over the course of years to follow. Check system seems to want to feel that the police should do things differently and that what they like. The law clearly states that I need to file a complaint with them that the information is fraudulent and they have no more than four business days to block it. If they find they blocked it and error then they can add it back. The police do n't have to do their job and I do n't have to do their job I 've done my part according to the law of the fcra section 605b. I 've complied with that and they have broken that law. Please write to them with this complaint and tell them they can not rewrite the laws because they want it that way petitioner Congress people and have the Congress people rewrite the laws but they have to follow the laws as written. And there 's no shelf life for police reporter investigative report for ID theft and they 're absolutely is no leniency if they do n't react within 4 business days. We 're talking years now and they still have not complied at all. Have them answer to these charges because they are a XXXX percent factual. I 'm a victim of identity theft the court found that and the police found that I do n't have to constantly defend myself because an agency does n't want to follow the law. Have them remove this information immediately. XXXX XXXX XXXX Bank and XXXX XXXX XXXX. After the police report was concluded XXXX Banks tried to take me to court saying that I was using an alias and they lost. That 's the dismissal that was voluntarily done by the XXXX Banks. So much for the shelf life of a police report because this was the next year. I did n't have to file a new police report the courts accepted that XXXX from XXXX this dismissal was XXXX. The letters that have gone out for my attorney to these entities are dated XXXX of XXXX and they do n't feel I need to file a new police report because the police do n't want it and they know the law too. Check systems needs to be called out and have them follow the law they ca n't rewrite the law because they want to and they do n't like it. No argument they make is valid at this time unless the law gets Rewritten. Act according to the law ChexSystems not what you want the law to be.
Consumer complaint received 2016-11-19
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Movement Mortgage LLC (AR)

I was approved by a underwriter at Movement mortgage and at the day of closing my loan was denied, all my documents were approved, my income was verified, I had all funds cleared for purchase in my bank. The company did n't bother to call me after driving 4 hours to close on the home, it was very damaging to my credit i have taken a large hit because of this deceptive practice. I arrived at the home of my dreams talked to the agent and inspected the home before providing title company with down payment, and to my knowledge i was the victim of mortgage discrimination there was not reason why my loan would be denied according to the loan officer 45 days prior, which was more than enough time for underwriting to verify docs to make an offer, I also have emails that prove that this was not just a pre-approval I was approved.