davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Messerli & Kramer P.A. (MN)

My account was transferred from XXXX to Messerli & Kramer collections. They are authorized to a soft inquiry of my credit report, however they did a hard inquiry which is affecting my credit history. 

I have contacted experian and they said they were unable to assist me, so i contacted Messerli & Kramer and they said it should be a soft inquiry and they can not control how experian reports it.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (CA)

XXXX has repeatedly over charged me for almost 3 yrs. & declined to accept responsibility or adequately fix the problem. They disconnected my service in XX/XX/2013 & continue to say yrs. later that I owe them {$200.00} for which I do n't. They never atoned for the over charges to my account nor fixed the problems that continued to over charge me on " specials '' that they supposedly gave me & reniged on each month. I reported them to the FCC numerous times yet they still failed to correct the billing errors. They continue to send XXXX party collectors after me who harass me by phone for a month or more, then begin sending letters, then ding my credit if I do n't respond which I do n't. This will be the XXXX 3rd party collector they 've sent after me that 's failed to collect on the debt. I told this co. not to call me again. They harassed me 10 times a day with robocalls even when their office was closed on the weekends! I told them I do n't owe XXXX money & to leave me alone. They continue to harass me ignoring what I said. I refuse to pay them or XXXX anything! If anyone owes anyone money, XXXX owes me for over charging me for almost 3 yrs. for their service when they set me up on specials that seemingly expired the next month. I do believe that 's called bait and switch. I want this collection co. to back off & if they ding my credit I will hire an attorney & sue both them and XXXX once & for all. I do n't owe them money & will never ever pay them! They 've been sending their pit bulls after me for more than 2 yrs. enough is enough! It has to stop. Each time they sic a new collector on me I 'll get an attorney & report them to whomever for harassment. They need to drop this debt & move on to something they are able to collect. This one will never come to fruition!
Consumer complaint received 2016-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I received a promo mailer for {$200.00} to open up a new checking account ( which is attached ). I went into the branch with the mailer and opened the account. Before leaving I verified that I had met all the requirements to receive the bonus, which the account rep verified. It 's been over a year and I have not received the bonus. I went in to the branch twice to ask why it has n't posted and they could n't tell me why, but said they would " look into it ''. I also called the customer service number and submitted an online secure message through Region 's website and received the same response.
Consumer complaint received 2017-03-20
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (NM)

I received the attached Addendum to the Deposit Account Disclosure in my most recent checking account statement from Bank of the West ( BoW ). In the attachment I have highlighted the section that I find most troubling. In my own words, BoW is unilaterally declaring that even if a funds transfer is approved, they can for no reason at all choose to ignore it and not process it. Further they make the claim that they will attempt to contact me but will not make any guarantee of doing so. Finally, when they choose to ignore or not process a transfer, they are in no way liable to myself or any third party. Assuming I maintain my account, this unilateral position goes into effect on XX/XX/2017, by default. In my estimation this is totally one-sided and contradicts any understanding of the bank performing its understood contractual duties and responsibilities.
Consumer complaint received 2015-10-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC (OH)

I have had a loan with Rise Credit for over a year now, they meet every criteria of being a predatory lender. Each time I pay it off I am forced to take out another because the interest and fees of the last loan left me unable to pay my normal expenses. Out of a $ XXXX monthly payment only about {$50.00} goes to principal, I end up paying over triple the amount I originally received by the time the loan is paid off. Since this is an internet company I do n't think they are regulated and I believe they break Federal and Ohio Consumer Lending laws. I selected that I initiated contact but actually I received emails and mailers from them before ever taking out a loan.
Consumer complaint received 2015-05-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC (VA)

I have been working with a mortgage lender ( XXXX XXXX XXXX Movement Mortgage ) for a refinance on my current home due to a pending divorce. I have a home equity loan on my home, and prior to " settling '' this debt with XXXX Mortgage, I confirmed with XXXX that this was the right move. He advised me to first request a XXXX from XXXX in an attempt to have them settle the entire amount ( {$7600.00} ), and if they were not willing to do this, offer a small settlement on the debt. XXXX agreed, I settled the {$7600.00} debt for {$1000.00}, paid it, received a receipt and sent the information to Movement Mortgage to proceed with Mortgage processing. Earlier this week, I received a denial from Movement Mortgage due SOLELY to the fact that they are calling the settlement a short sale. My lender thought ( in error I 've since found out ) that this would be considered more like credit card debt. I counted on my lender for sound advice and followed his advice. Now I will be unable to secure a FHA loan for 3 YEARS while this " bump '' on my credit seasons. I have called other mortgage lenders and found that I simply can not get the FHA Refinance I sought to secure. I am angry and feel this lenders advice has not only kept me from refinancing my home, it has also affected my credit ( which I have worked very hard over the last few years to improve ) It is not my job to understand the mortgage lending rules which is why I counted on my lender. While filing a complaint may not fix the problem, I would like to have the mortgage lender ( at a minimum ) reimburse me for the cost of the appraisal on my home ( {$490.00} ) since I am personally unable to complete the process due to misleading advice given me. I have email backup and will be happy to provide whatever documentation necessary.
Consumer complaint received 2020-06-20
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. (OH)

On XX/XX/XXXX, I contacted Equifax with the attached letter, to notify them that XXXX XXXX, is being reported incorrectly. On XX/XX/XXXX, I received a mailing attached as Equifax refusal ( which claimed to be from XX/XX/XXXX, although I believe it may have been sent after 30 days ), stating that my request was " not specific '' enough, although a copy of the motion from XXXX XXXX XXXX attorney was included. The error is in regard to a {$110.00} filing fee for a fruitless lawsuit from XX/XX/XXXX, in XXXX County Municipal Court, which was dismissed at XXXX XXXX XXXX request by the Court. Please see the attached motion. I have tried to correct the error with both XXXX XXXX and XXXX XXXX XXXX Attorney, who responded on XX/XX/XXXX, with no later response in regard to this error. XXXX XXXX, refuses to produce a contract, or agreement to pay. There should be no doubt that the error is being overlooked, XXXX XXXX is providing false information, and Equifax, has material evidence which is more than sufficient.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (KS)

In XXXX, we decided to buy a bed from XXXX XXXX out of XXXX, KS. We ordered and paid roughly {$7000.00} ( {$4600.00} from debit card, balance on Synchrony XXXX ). The bed was never delivered, therefore I cancelled the order. I cancelled the order and closed the account in XXXX 2015. After 2 weeks, I got a bill in the mail for the entire amount. I called them again and they would credit the account in full. I asked them a XXXX time to close the account. After about XXXX minutes, and alot of anger, they closed it. a few weeks later, I got another bill in the mail. This time it was for about {$1100.00}. They were still billing me or shipping charges, restocking fee, etc. I called them yet again, asking how they could charge a CLOSED account, they said it was their right. I explained in detail what happened, talked to XXXX seperate supervisors and finally got someone with some force behind them.they told me I still was responsible and they would not close the account until it was paid in full. I took to social media at that point. I vented my frustrations, they gave me the " SORRY YOU ARE HAVING A HARD TIME '' speech. A lady from XXXX XXXX called me after reading the comments on XXXX and looked into the charges and credited the account. I requested yet a XXXX time to close the account. She said the account was officially closed. 

Low and behold, I got a statement in the mail 2 days ago. My question to them was " WHY AM I GETTING A STATEMENT ON A CLOSED ACCOUNT? They are refusing to close the account. I need this taken care of. I can provide the account number if needed. I checked my credit report and it still shows as an open account. HELP!!!
Consumer complaint received 2016-10-08
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: SYNCHRONY FINANCIAL (FL)

Last year, XXXX, XXXX - XXXX, XXXX, I relocated to XXXX for a XXXX hiatus. In other words, I enrolled in workshops at XXXX and lived temporarily with a family that I used to be an XXXX for years ago while an XXXX at XXXX. My address was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

In XXXX of XXXX, I returned to XXXX to work for the XXXX XXXX XXXX XXXX XXXX. So, as I was shopping for a new car, my banker who ran a credit check for a car loan alerted me that, I was unintentionally remiss in payment for a bill from Walmart under {$50.00} at the time I relocated. And, consequently, I did not receive any bills or correspondence from my Walmart Account ( # .... ) ; I was unintentionally remiss in payment for a bill from Walmart under {$50.00} at the time I relocated. 

So, when I called Synchrony Bank which was the collector for the Walmart debt, I explained myself and offered the new balance of {$170.00} which included late fees from Walmart. 

Synchrony checked my story, and I was told that I did not have to pay the {$170.00} and that my Walmart Credit card would be reinstated. They told me that the delinquency mark would be removed from my Credit Report within ten days. 

However, on XXXX XXXX, XXXX I received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, that my account " was sold to XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Since, then I had received multiple calls form XXXX and spoke with several agents there, telling and re-telling my experience with Synchrony countless times, but to no avail. I have a cellphone billing record of these calls to and from both Synchrony and XXXX during the ensuing months. 

Finally, after much misleading information and confusion, I submitted the payment of {$160.00} to XXXX XXXX XXXX , XXXX, ( new Acct # ... ) on XXXX XXXX, XXXX. 

I have written to all XXXX credit reporting agencies ( XXXX is the credit reporting agency that referred me to the XXXX which is where I located CFPB ). 

Nonetheless, as of to date ( XXXX XXXX, XXXX ) there is still a bad mark on my credit score for the past due ( " 8 months '' ) history with the originally, Walmart account. 

Respectfully submitted.
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank applied a promotion to my account without advising me that I had a year to pay it off with no interest and that if I did not I would incur interest form the date of the loan. I log on and find a interest fee of {$1500.00}. I called they could do nothing. I find it deceitful. I should have been advised of the promotion and given the option to accept it.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NY)

Fraudulent charges were made on my credit card in the amount of over {$1600.00}, I reported the incident the moment it appeared on my pending transactions online. The physical credit card has been on my person throughout the entire time and the transactions were made in a location where I was over XXXXmiles away from. 

I tried to report the issue immediately but instead the agent said I must wait until it appears on my statement before they will do anything. I then waited until the statement was completed and remade my phone call, they then closed my account to issue a new credit card with a delivery of 1-2 weeks. 

I then tried to make a purchase using the online portal but the credit card was not available, I then called to make a payment but they never removed the fraudulent charges. I spoke to an agent and they said it is their policy that they keep it occurring interest until their investigation is concluded. I was also unable to make a payment until I receive my new credit card. 

When I received my new card, I activated it and then tried to make a payment on the portal. I called because the now activated card was not present, the agent I spoke to said it will take up to 4 days before the account is linked. I explained I do not want to be held liable for interest or late fees since I pay my credit card in full. He assured me it will not be an issue. 
I am filing this complaint because the method in which they handle this, refusing to remove fraud charges, allowing fraud charges to continue accumulating interest and blocking my access to make a payment, seems to heavily favor them in terms of late fees and interest. I do not trust this company since they are working outside the norm and wish to be protected.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (SD)

From XXXX XXXX till XXXX XXXX I had an account with a limit of {$2500.00}, soon raised to {$2700.00} dollars.The highest I ever had the account was just over {$500.00}. I was never late with a payment and in good faith made twice the payments needed, most well over the minimum asked for. Of those XXXX payments XXXX bank drew from the wrong account, the one I had closed. The moment I was made aware I corrected it and resent a payment from the correct bank, XXXX XXXX. Never ever, even with XXXX screwups, was I late on a payment. Yet because of XXXX screwups my account was abruptly closed, and with XXXX reputation I 'm sure you 'll try and XXXX with my credit rating for your own amusement.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (NJ)

Barclays Wyndham Visa credit card is not honoring their XXXX pt offer when I applied. Originally while on a trip to XXXX in XX/XX/XXXX a Wyndham representative indicated that I can link my XXXX account when I Apply to the Barclays Visa Credit card and I will earn points. Plus I would get XXXX bonus points after I make a certain dollar purchase on the credit card. This IS the information that I was told. I did my due diligence and I started using the card. In XX/XX/XXXX of this year I called to follow up with the missing XXXX points and I was told that it might be in the next billing cycle since I had to wait up 90 days. Well XX/XX/XXXX went as did the XX/XX/XXXX billing cycle and no points. As of today XX/XX/XXXX also no points. So I called Barclays Wyndham Visa and they told me that I was not supposed to get XXXX points. I was pretty upset to hear this and they said just look at your agreement. My contention is that a representative from XXXX who gave me the application gave me a pamphlet and verbally told me that I would get the XXXX points and pointed it out in the pamphlet. It really feels like a bait and switch deal. After calling XXXX at the Barclays Wyndham Visa card the best I got was " Do you still have that pamphlet ''. Its been 5.5 months that I 've been dealing with this and NOW I 'm asked to show proof of a pamphlet from XX/XX/XXXX. Its not like I just threw it away today that I can look through the garbage and find it. It was 5.5 months ago. I 'm asking your assistance in this matter and please have them honor what was promised.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Conn's, Inc. (AZ)

I hand delivered a cease and desist letter to Conn 's XXXX XXXX, XXXX, AZ and the manager accepted it. I have filed a complaint with the Arizona Atty General in regards to deceptive sales practices and this C & D letter was to inform them that I was disputing the contract and would not be paying it. I demanded them to cease collection calls. Since receiving that letter, I have received XXXX harassing phone calls from their collections department. When I informed them of the C & D letter, they acknowledged they had received it. Today, XXXX/XXXX/2016, I have received XXXX harassing phone calls from them while at work.
Consumer complaint received 2017-03-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NJ)

My wife and I have a mortgage with M & T Bank. We are repeatedly being told we must go to our local branch to verify our personal information. We went over there in XX/XX/2016 and now we are being told we have to do it again. In close to 10 years with Hudson City Savings Bank, which they recently purchased, we have never missed a payment or been late. Our credit rating is exceptional and we have considerable amounts in our savings accounts. I believe that this is a thinly veiled attempt to get us into the branch to sell us additional products, which we are not interested in.
Consumer complaint received 2016-01-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TMX Finance LLC (TX)

My wife is XXXX, with a number of ailments, including a XXXX XXXX. She has never had any financial experience whatsoever and does not have a clue what any of the terms mean. Several months ago, our daughter " needed '' some money for something and she suggested my wife get a title loan on the Lexus I had just paid cash for. The TitleMax people were only too happy to take the title to the car and give her less than half of what it was worth. It appears she may have gotten something TitleMax would call " disclosures '', but she did not understand them and ended up signing under pressure for a loan with 116 % APR. 

She was loaned {$5000.00}, has made {$7000.00} in payments and they want another {$6000.00} to release the title. My wife is XXXX ( was at the time of the loan ) and can not work. I am currently ( for the past year ) undergoing XXXX for the second time. She is going to lose her car after paying more than ten times what she should have paid for a short term " loan ''. Its pretty clear these people, who have very aggressive phone sales practices, are dishonest sharks that ought to be put in jail. 

Among other things, we are alleging a severe violation of UDAAP - clearly my wife was at risk and they took advantage of her age and lack of financial sophistication. We want the title back and any money already paid that exceeds a fair rate of interest. These guys are serious crooks - why are they allowed to remain in business???? They prey on the poor and those who are down on their luck.
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (NY)

I have been getting charged insufficient fees from M & T Bank. WHen I call their customer service number, they tell me if I go into the negative, and bring it o a positive by the end of the next business day, that I will not get charged an insufficient fee. I have gotten XXXX fees in the art 2 months, and would like them credited back to my account. I did file a compliant with the bank itself, and a Manager called me, but, she said she could n't do anything about the call center calls, that someone else would have to handle that. I do n't agree with the fact that their customer service reps say one thing, then you call and ask if you can have the fees credited, and then they argue with you non-stop about it!!! Please help me in getting this rectified, as I would like to continue banking with this bank! Sincerely, A Very Dissatisfied Customer!!!