davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

The Ohio State Atty. Gen. Office, suggested that I get in touch with CFPB. I have a Sam 's Club MC. I pay my balance in FULL each month, & ALWAYS have. Since COVID, our mail service has been terrible. Not getting mail 6 days a week, mail being delivered after XXXX XXXX, & my mail going to wrong address. I spoke to a gal @ our local Sam 's Club. Her job is to intervene and help Sam 's Club members like myself, who are victims of fraud & legalized crime from Synchrony Bank MC!!! She talks to MANY people EVERYDAY, with the issues that I am contacting you about! I was told that this has been going on for quite some time... I was told that Synchrony does not like card holders like me, who pay off their full balance every month. They don't make the money on card holders who pay off their monthly balances. Tacking on fees & interest " daily '' to MANY consumers, is a way to fulfil their profitability. I contacted Sam 's Club Synchrony MC. I have spoken to several service reps ; and two supervisors. They are unwilling to help, not very nice to say the least, are short/rude, & just refuse to help! It is obviously their MO. One supervisor actually told me, that COVID & mail delivery, is NOT an issue! WRONG! ( Interesting that the parking lot for Synchrony locally is totally empty, as Synchrony employees work from home d/t COVID!! ) The Sam 's Club Rep., who could not be more nice/professional, told me that Synchrony told her that " the Sam 's Club MC, is a loan! '' As I am in my XXXX 's, have a college degree, & have had experience with credit cards ... What Synchrony is doing is fraudulent & wrong! I paid off my card in full as usual, then the new statement arrives, with fees & interest, totaling almost {$100.00}! Not getting our statement on time, Synchrony posting payment a day later on the automated service, the mail service, & COVID, is beyond our control. I look fwd. to hearing from the CFPB, in regards to this matter. Synchrony offers 5 % back on gas anywhere, 3 % back on Sam 's Club purchases, 3 % back on dining & takeout, & 1 % back on other purchases. Then they tack on fees/interest to ultimately take that away from the card holder/consumer! Hopefully Sam 's will dump Synchrony, as Walmart does not use them for the issues of concern that I have addressed...
Consumer complaint received 2021-08-03
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: Opportunity Financial, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-10-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (WI)

I have a loan through Mr. COOPER and I refinanced from a 30 year to a 15 year in XXXX of XXXX. I also own another rental property which I sold on XX/XX/XXXX and during closing I learned that they, Mr. COOPER, listed XXXX other properties on the refinance in XXXX which includes the property I was selling on XX/XX/XXXX. They listed a total of XXXX parcels and listed them all as the XXXX XXXX XXXX property. One of these parcels I haven't owned since XXXX and the other is another rental property I own. I was told I have to pay off my mortgage with Mr. COOPER with the sale proceeds of my other rental. This is an error on the mortgage and I have been asking for the past 2 weeks for it to be corrected. They pointed me to XXXX XXXX XXXX who was the closing company Mr. COOPER used for the refinance and said it's their error. They are saying they have to work with Mr. Cooper to get it fixed. My profit from the sale of my other rental is being held up. Mr Cooper is awful customer service and no one seems to know anything. They sent me to a resolution XXXX, XXXX XXXX who can do nothing and stopped responding. XXXX XXXX XXXX also stopped responding. I think they are both fraudulent companies trying to scam me out of money.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

This is a notice of request information. 
Please provide the following information : All billing statements from the date of account opening Any and all other account level documentation Date of First Delinquency, Date of Last Activity, and Date Open I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. Please forward all correspondence regarding this matter to the address stated above
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$670.00}
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation (NY)

Albert.com  Alber the app in the XXXX  store is a scam app. They take money claiming to help you save money for rainy day funds claiming to help you with financial support. I have tried to contact Albert there is no phone number only email. In XXXX Albert  was taking money from my account without my full knowledge in XXXX when I saw an email about my account I re-downloaded the app and tried to withdraw my money from my account in the app. I no longer have the same bank account but I updated all my details as well as bank information. I was unsuccessful in withdrawing my money. I contacted Albert support with over 50+ emails of me sending proof from the previous bank, my current bank, my ID, and a picture of me holding my ID I sent all of this with videos showing that I was unsuccessful with every way to withdraw funds. I was told to contact them back when I have proof from my bank that I was the owner of the account. I sent them that proof. I waited 10 business days for the letter to get to me. Only to be told that I'm supposed to send my current bank statement not my old one like they ask few emails ago. I have sent them proof of my identity 3 times. The latest hoop I had to jump through was them saying it was because of my name on the account. I am unable to update to government name as they asked. No matter what it's another hoop or waiting for customer service to come up with a way to stall in giving my money. If you check the app store the first XXXX review warns people about the apps as well as XXXX XXXX search Albert scam and I'm not the only one. They take a rainy day fund sometimes without your full knowledge and make it impossible for you to take back your own funds.
Consumer complaint received 2022-07-04
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/XXXX at XXXX my Wells Fargo account was hacked by unauthorized scammers who sent {$990.00} to XXXX XXXX using this email XXXX They enrolled me into XXXX through my Wells Fargo account and stole the money from my wife 's saving account. I called Wells Fargo immediately and reported the unauthorized transaction. They set up claim # XXXX and told me they will investigate what happened and asked what time of day I was available so that they could call me for questions. Wells Fargo never contacted me after this. I also had to ask Wells Fargo to change my user ID and password to prevent anymore theft from the hackers. 
The following are phone number the hackers used to contact me. XXXX, XXXX, XXXX, XXXX. The hackers sent me a text and told me they could give me my money back if I called them. I ignored their calls and texts. I also filed a police report XXXX with XXXX XXXX of the XXXX XXXX, IA police department. 
Today I received an email from Wells Fargo stating that the payment was processed as requested. I did not request nor authorize this or do it myself. There was no request from me. The only people that requested it our the criminals that stole the funds. Regulation E states they must return my funds for this unauthorized withdrawal. XXXX even states this on their website. Wells Fargo is incorrect stating that I authorized people to steal from me.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (GA)

I've called, physicalled mailed and digitally filed a dispute letter with I C Systems and all three credit bureau 's to have the account removed because neither the company or the credit bureau 's have been able to show that the account belongs to me for over 8 years. 

I have the USPS Tracking # 's Agent 's name, date, time and confirmation #
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NJ)

Over the course of XXXX, Synchrony Bank refused to, reverse fees on late payments, offer forebearance to CoVid-related accounts that were 60 days past due, and closed accounts that were in good standing of over +2 years. 

I had at the end of XXXX 4 Synchrony Bank branded credit cards. 
1. XXXX XXXX XXXX 2. PC Richards store 3. XXXX XXXX XXXX XXXX 4. PEPboys Automotive During XXXX, Synchrony Bank canceled my XXXX card w/o notice. They then in XXXX, closed my PC Richards card with notice. Both cards were used in the past and were in good standing at their cancellation dates, with {$0.00} balances outstanding. 

In XX/XX/XXXX, my PEPBoys card was nearing its XX/XX/XXXX expiration date, when I attempted to use it for a repair, with available funds for credit purchases. The PEPboys was not allowed to used for the purchase, and another card was used instead. On XX/XX/XXXX, the new PEPBoys card wth XX/XX/XXXX expiration arrived. Upon activation I was told I could not activate, until I made a Video shoot with State ID in the filming. I refused and I am waiting for a letter to confirm my passcode for activation. 

Number 1 : My complaint of non-conforming to the CARES Act provisions of financial relief for consumers, if the institution accepts public monies, contained in the CARES Act. 

Number 2 : The lack of guidelines in its credit card agreement and its provisions of notification in case of termination, by BOTH parties and its procedures were not followed. 

Number 3 : The lack of up-to-date portals to allow access to accounts and the timely accounting of the individual accounts under its purvey to establish a credit card services corporation. 

A response is requested, at this time. 

XXXX XX/XX/XXXX 1.The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders. 

2. On XX/XX/XXXX, the House passed the Heroes Act ( H.R. 
6800 ) and on XX/XX/XXXX, the House passed an updated version of the bill ( H.R. 925 ). Among its many provisions, both versions would expand consumer rights to loan forbearance and other payment relief during the COVID-19 pandemic.
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

We applied for a manufactured home loan in XX/XX/2021 with Wells Fargo. And many things went really bad. But we had to pay up front for an appraisal. And when I expressed my concerns that he was an individual and not a company and he did not like manufactured homes, they were suppose to switch us and after months, it was well if you don't want to use him, this may take a lot longer, by this point it was almost XXXX. Well needless to say he was awful and arrogant and of course low balled our appraisal. And Wells Fargo not only was allowing him to use old comparisons, but did nothing to stand up for there potential customer as they promised! And then went on saying we needed a structural engineer report. Well I ended the loan process there. I wasn't giving them another dime of my money. And I filed a complaint to get my money back. I called the complaint department several times and never recieved a call back. But I was sent a copy of the appraisal and a old loan estimate, showing the engineer survey added. They just did all this to cover themselves and say well we told you! You don't do deceptive things, then tell a person you feel everything was legitimate, and are not refunding there money nor give them call back. This is just some of the bad I experienced with them. I have since been using another lender and have a new appraisal that is WAY higher!! This is discrimination of a manufactured homeowner!! If your going to say you'll do loans on them, then have appraisers that are supportive and know that my homes not a piece of junk!!
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP (KS)

Every two weeks from late XXXX through XX/XX/XXXX, my alimony payments in Kansas which they fund to KeyBank have been hacked every two weeks. I have complained to the KeyBank, wrote a letter substantiating. They issued a new card. Today it happened again. So again they cancelled this new card which Ive had for just over a week. Last week, I received a notification from someone from XXXX XXXX XXXX  XXXX. It said it was a Notice of Data Breach. Indicated my personal information had been leaked/hacked from XXXX and XXXX had been breached between XX/XX/XXXX -XXXX  XXXX, XXXX. They didnt detect until XX/XX/XXXX. I believe this is connect. But only my debit card is being affected so far, not my checking accounts. Im very concerned.
Consumer complaint received 2021-04-13
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SinglePoint GI (AZ)

I received a letter in the mail on XX/XX/2021 from General Revenue Corporation. This was the first letter ever sent to me from this corporation. It was dated XX/XX/2021, and in the letter, it stated unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. It also stated that if I did notify the office, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.
Consumer complaint received 2019-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (FL)

in XX/XX/XXXX, I called the customer service XXXX # at PNC Bank to request the balance in my account with PNC Bank the customer service representitive told me my balance was XXXX it was in an account called the reserve account. the teller asked me if I wanted to tranfer some to my Spend account also known as the checking acct. I asked her at that date in XXXX, XXXX to tranfer the total amount to my checking or their term for term is spend account. she asked me if I wanted to leave any of that amount in the spend I asked her to leave {$36.00} in to keep my account open. she reassured me of the above {$7200.00} was transferred and that I was free to use any or all of that total. I called XXXX XXXX XXXX ON of after the XXXX of XXXX and paid them {$7200.00}. in XX/XX/2019 PNC Bank sent me a notice of a negative balance due them of {$230.00}. PNC release to me the above amount which I paid XXXX XXXX XXXX {$7200.00}. I asked the teller " if I pay that amount was she sure I would have a balance of {$36.00} her answer was yes. Note that the teller automatically transferred these fund and audiblly confirmed the above amount was being placed in my spend account. then waited until XXXX to note an error by their customer service representative. also note that They authorized this tranaction by moving the funds to my Checking account. in turn I called XXXX XXXX XXXX and gave them my checking account # and electronic in the amount above