davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I took a Care Credit Card out to pay for dental work I had done back in XXXX. I had charged {$2600.00} to the card and I had set up an auto pay direct from my checkin account, and the amount was paid to Synchrony Bank every month. After 2 years of paying it off, I thought I was coming close to settling the amount in full but I was surprised when I saw my XX/XX/XXXXstatement that showed a balance of over $ 2k. I called the company and was told that because I did not meet the requirements of the promotion which was to have paid it back by 2 years, Synchrony Bank charged me over $ 1k interest hence it bought my balance up to just over $ 2k. This was the first time that this was brought to my attention. Had I known that, I would have settled the amount instead of being charged an exorbitant interest fee. I have called Synchrony numerous times, been transferred from person to person for months and no one could help. In XX/XX/XXXX, I wrote to the CEO, XXXX XXXX and after months of no reply from her and her Assistant, I finally sent another email to her and this time it was responded to and basically all it said was you paid the minimum amount every month and because you did not meet the promotion requirements, you were charged the interest. I find this appalling. Very bad customer service coming from the top. Terrible communication and their method of operation leaves much to be desired.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I started a refinance on my principle home on or around XX/XX/2020 with Wellsfargo, which actually owns the note ( Im refinancing an existing wellsfargo loan ). I have also been a Wellsfargo member for 30 years. As of today, XX/XX/2020, I have not closed and after asking for a closing date, I have not been giving one. My impression is that Wellsfargo will ask for a document from me in a inefficient drip by drip fashion. Often waiting weeks before asking for another document. This of course delays the process further and results in expired documents resulting in them asking for the same documents that have been submitted. My impression is that they are delaying this process, possibly to allow interest rates to increase during the process. I did make a complaint via wells social media ask wells account and was assigned to an Executive Resolution Specialist in our highest office of escalation. This person by the name of XXXX ( the social media rep would not give me her last name ) essentially told me there was nothing she can do beyond just reviewing the case for me. She also mentioned that it is not unusual for a refinance process to last 5 months. I asked for my fees to be returned so that I can find a different institution to complete the refi but they refused saying that those fees were to third parties. A couple of days ago, I was once again asked for the same documents I have submitted twice already due to them being expired. I feel that essentially Wells Fargo is keeping me financially hostage because essentially they are refusing a refund of monies provided to them for a service they are not able to or willing to complete. My ask is for them to close this loan as soon as possible. I do not want the fees returned at this time because of the extensive time that has been invested by me so far. I am a XXXX XXXX who is already stressed due to the current COVID19 pandemic and this experience has only made it worse. Please close my loan.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OH)

I have been a customer of AMEX since XXXX. In XX/XX/XXXX, I received a call from Amex asking me to upgrade my current credit card. I agreed and they processed the card. My understanding from the conversation was it was an upgrade to my existing two cards ( everyday card and blue card ) by increasing the credit limit. But in actual this upgrade was to a XXXX credit card that has a membership fee of {$690.00} annually. I was not informed about this fee during the phone conversation. Then one month later I got a mail that had a platinum card in it. I was remarkably busy and did not bother to activate the card. A few days later another card was sent to me. I got confused. Then a new monthly payment statement showed up. I opened the statement, and it shows two charges, one {$690.00} for the first card and another {$190.00} for the second card totaling {$890.00}. It says both charges are membership fees. First, I am not a business traveler or a XXXX XXXX banker to ask for such luxury cards that have a fee in it. Secondly, I have never made a request for a second card. It was simply pushed to me. I was really upset and this past Sunday before I went to church, I made a phone call to Amex customer service. I spoke to five different people explaining to each one of them that I have never subscribed for such a card that has a membership fee and asked them to remove the charge. They all refused to listen and address my concern. I am not stranded with a fee of {$890.00}. I am not willing to pay this fee. I did not receive the service., I did not want to be part of it and asked them to cancel the XXXX card. They cancelled the card, but the fee is my responsibility according to Amex. I would like the US government to stop such predatory banks and credit card firms from misleading customers. Kindly request your office to resolve this issue. If this fee is not removed my credit score will be affected because I will not be able to pay this illegitimate charge. 
Thank you. 

XXXX XXXX
Consumer complaint received 2020-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

I got a personal Loan for {$500.00} was able to cash it as a Check, and have been making my Payments each Month, and Oportun takes my payment directly from my Bank account. Last Months payment was returned because my Bank made the mistake of returning a payment, I immediately called the bank and told them to Not return my payment cause I didn't want my payment to be late, and too also not get penalized for any late payments, my Bank couldn't do much, therefore I decided to call Oportun and make my payment with another bank account information, and I asked them if I was still on time, if there were gon na be any issues or late payments or maybe any fee that I was going to get charged for the situation with the Bank, and they said that I was still on time to make my payment and I didn't had to pay any fee what so ever. I was content that everything had been resolved. Later on, a Week or so later, I received a call from an unknown number, They were asking for me, and I kept asking the person who He was, like what Company or something, They never answered anything, sounded like a Scam, and hung up on me. That same day, I received a call, and I kept asking who they were and on the 5th time that I continued to ask who they were, the Lady said, Were from Oportun, and told me that I owed then {$15.00} for a Bank return Fee, I explained to them what had happened and Mentioned to them, that I was never told that such fee was gon na be made, and that my payment was on time, and it was an error the Bank had made, and I didn't consider such fee to be charged since it was Never mentioned in any way, and now 15 days later Im getting notice of this. I explained to them that the same situation had happened with another Company, and my payment got returned and they were able to remove those fees since they didn't apply and I had made my payment before the due date, its a fee that the system generates but they were able to remove it from my account and everything was good. After the whole explanation, the Oportun Representative said that I needed to review my contract and I needed to pay that {$15.00} fee. At this point Ive spoken to approximately 3 Representatives and they all blame the Bank, they don't want to remove the fee what so ever, and they are being very unreasonable with me as their Client, I have never experienced such poor customer service, and Ive experienced this type of situation before, and they are always so nice about removing any Penalty fees or any fee being charged into my account, since they can see I am a responsible Customer. Please help me out with this Company, I feel very unhappy about the whole thing. Thank You.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The above companies have not verify proof of my identiy. drivers licence or signatures
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX - I opened two deposit accounts for my XXXX XXXX ( XXXX )  expansion at Bank of America - Small Business online web portal XXXX - SBA loan proceeds deposited in to primary account by the US Treasury XXXX - letter sent by Bank of America with 'threatening ' language indicating that my account was closed - no cause of action provided. Threats include a statement that " Our decision to close your account is final and may affect your ability to open a checking or savings account with us in the future. '' But worse - " We may report you to XXXX XXXX  ... The may affect your ability to open an account at any other financial institutions for up to five years. '' XXXX - second letter sent by Bank of America. First line in bold letters, " We've closed the above account. '' Then - " At this time, any remaining balance won't be returned to you. '' XXXX - I received the first letter on XXXX and called the following day. Was told that 'an analyst suspected fraud on my account and that funds were being held in back office pending review. ' I escalated to a supervisor who sent it back to the analyst for review ... very harsh and accusatory tone in their dealing with my questions XXXX - I called back and was first told that this was still under review. After pushing back hard, I was told by a supervisor that this had been reversed and that my accounts were reinstated but that the funds would take 48 hours to clear back in to the account. I asked for and was given a path way to escalate this to the executive response team, given that I had already written to XXXX XXXX - XXXX of Bank of America. 

** I have now had multiple calls and escalations since these letters arrived - happy to report that BofA acknowledged this was a mistake on their part and are complying with my demand for a letter of release, indicating that I did nothing wrong and that this was a mistake on their part. I expect this letter by XXXX. 

Even with their apology letter and reinstatement of my accounts, this complaint still stands in that the language used in the letter is - or should be - illegal. Threatening my financial future by an unsubstantiated claim of fraud is wrong. Withholding funds as they suggest in the second letter is a felony crime under GA law ( OCGA 16-8-2 ) -  Theft by Taking since it's clear by the statement " remaining balance wont be returned to you '' that they had 'intent to permanently deprive ' me of my funds.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Cash App account to fraudulent investment firm ( s ).
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (PA)

Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report. 

The response from Equifax, saying that these fraudulent inquiries are verified information not only shows that theyve received my identity theft report, but has proves that theyve refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information. 

Therefore Equifax is in violation of my rights as a consumer under the FCRA. Also, they claim that these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC (MD)

I just received a letter dating XX/XX/2020 from a new creditor that has bought the old debt ONE day after I spoke to XXXX  and told them I send fraud affidavits to them three times on a credit card account they was stolen - I guess they sold it the next day because they didnt want the drama but now I will seek legal investigation into this! Its absurd how they passed a fraudulent debt off again -
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

In XXXX I purchased my home with the builder XXXX XXXX they issued a first mortgage for {$230000.00} and a second mortgage was {$57000.00}. Since then the mortgage loan has been transferred to many other mortgage servicing companies The Bank of New York Mellon XXXX The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is their servicer on my mortgage loan. 
In XXXX after my divorce, I applied for a loan modification. The new loan was for {$340000.00}. After several years of on-time payments to XXXX XXXX XXXXXXXX , then in XXXX my home went into foreclosure. I called XXXX XXXX XXXXXXXX they told me to not worry because my mortgage was in good standing. It seems to me that they never did a true modification of the mortgage because the second mortgage was transferred to another mortgage servicer I was never aware of it until last year. I thought the modification of {$340000.00} was the new mortgage modification. Since XXXX I have been making payments of {$1200.00} on the {$340000.00} and now they are asking for an additional monthly payment of {$1400.00} and an additional mortgage amount of {$140000.00}. The new combined mortgage amount will be {$490000.00} and a new monthly mortgage payment of {$2600.00}
Consumer complaint received 2020-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

We have been working with the company since XXXX trying to modify the loan. They denied us and told us the HELOC matures on XX/XX/XXXX and payment is due in full. They sent us the invoice with the amount due on XX/XX/XXXX. We sent them a check for that total amount and sent it certified mail. They received it on XX/XX/XXXX. We called to verify that they had the check and they confirmed that we did and read the check number to us. It is now XX/XX/XXXX, they have not cashed the check yet and we are calling every day to find out status. Each time we call we are told something different about why they have not cashed the check or applied it to our account. Today they said that the check was not for enough money even though we paid the amount on the bill that they sent us! Every single time we call they tell us that they will have to call us back. Nobody from that company has EVER called us back and they won't cash our check!
Consumer complaint received 2023-01-30
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. (MA)

notice to sue. i tried to fix this problem of my consumer report not being 100 % accurate under 15 U.S. Code 1681i my report must be 100 % accurate. i gave you time to fix this problem. you will see me in court and don't send me a email asking how can we settle this outside of court. i will get remedy for all the violation. your company isn't bigger than federal law. have. a good day. i have all the exhibits.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This company popped up on my credit report last year, I had never heard of the company before and did not sign a contract to pay them. There was no initial contact from company about me owing the debt so I couldn't dispute it prior to going on my credit report and now they have have put themselves there they also call me 10+ Times a day by different numbers. I requested validation by mail and all I received were statements and something saying the debt was " sold '' to them. This is not validation of a debt and they should not have put themselves on my credit report without giving me a chance to dispute the debt.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (GA)

I have previously opened a complaint against XXXX XXXX concerning a debt that Affirm has stated that I owe. The response to that claim was as follows : XXXX received the account on XX/XX/XXXX. The account was recalled by Affirm the next day, XX/XX/XXXX. XXXX did not initiate collection activity and did not send a letter because the account was recalled almost immediately after it was placed with XXXX You called XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The representatives each verified that the account was no longer with XXXX XXXX did not and will not report the account to the credit reporting agencies. What we are doing to help We contacted Affirm regarding your complaint. As of the date of this response they are still investigating why they believe the account is with XXXX when XXXX records indicate it was returned in XX/XX/XXXX, nearly XXXX ( XXXX ) years ago. We recommend you contact Affirm with any additional questions regarding the account. XXXX apologizes for any misunderstanding or inconvenience. If you have any additional questions or concerns regarding our investigation, you can contact XXXX directly. Our contact information is below. Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX This communication is from a debt collector I have reached out to Affirm several times for over four years and the company can not tell me or verify the debt. This account has been damaging to my credit after years of trying to resolve the issue with no prevail.
Consumer complaint received 2021-09-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/2021, I initiated a credit sale through XXXX XXXX to get a car. Ally financial ran my credit, making it a consumer credit transaction, the finance charge being the cost of the car and all associated fees which were paid with my credit card ( social security card ). I went into XXXX XXXX on XX/XX/XXXX and they tried to collect cash payment from me on behalf of ally financial in a consumer CREDIT transaction which is illegal. Also, there was no adequate disclosure given for the fraudulent loan they tried to get me to agree to. If the car that my credit was ran for is not granted to me then fraud has been committed pursuant to the TILA.
Consumer complaint received 2020-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (MO)

XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.