davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CA)

This complaint is to serve, dispute and document the bad business practices by XXXX XXXX and as well Synchrony Bank who handles the collection efforts of XXXX XXXX. Under the Federal Trade Commission and as well in the State of California they are to properly notify me of any changes to the account which the failed to do. We had bought a mattress on a three year loan in which according to them after that would incur three years of interest if it was not paid within that three years. 

Due to financial troubles we had fallen behind on payments and had notified them as such and nothing was done. XXXX years had gone by and the next phone call was that we owed triple the amount. We had sent four letters of request to pay original amount and there was no response. We had spoken on numerous occasions to managers notifying them and as well their mangers acknowledging that we should have been notified but yet no arrangement was made. So even after acknowledging fault by XXXX XXXX managers, four letters, numerous calls they failed to provide us with a solution other than a penalty. 

I wish for this account to be cleared off my account and as well the company notified of their wrong doings.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

I mailed in a XXXX XXXX XXXX Request Form to all 3 credit bureaus but received no response. I set up an account online with Experian and made 4 attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (VT)

1. Applied and was granted " Care Credit '' card thru GE Capital Retail Bank in XXXX XXXX. Contract was for {$500.00} credit limit, with 6 month interest free promotion, no specific amount. 
2. Timely payments made. Promotional balances paid prior to promotional expiration date. 
3. XXXX XXXX received email advising bank name changed from GE Capital Retail Bank to Synchrony Bank. Email states " GE Capital Retail Bank XXXX " GECRB '' XXXX -- the issuer of your CARECREDIT Account -- is now Synchrony Bank. Do n't worry, most things remain the same. What is changing are the email addresses for XXXX ''. 
4. Never did they advise that the purchase amount needed to be over {$200.00} to be eligible for the interest free promotion. I called complained, they refused to go by the original contract and charged interest. I continued to make timely payments and pay the interest even though it should have been interest free. 
5. I called in XXXX XXXX to see what the promotional amount/details were and was advised the 6 month interest free promotion was for charges over {$200.00}. 
6. XXXX/XXXX/XXXX I incurred a {$370.00} charge at the XXXX XXXX Vets, and was advised that my Care Credit card had been denied. 
7. I contacted Care Credit and spoke with XXXX who advised the account had been closed as " high risk ''. When question XXXX became firm and raised his voice. I requested a supervisor. 
8. I spoke with a supervisor XXXX who was worse than XXXX when it came to aggressiveness and raising her voice. She stated I was lying as the promotional value was always {$300.00}, never {$200.00} and certainly was never any amount charged. She refused to view my history to prove she was incorrect. She also refused to reinstate the card, advising they had done a " Credit check '' on me and decided to close the account as " High risk ''. She told me they could do a credit check any time they wanted and close the account whether it was in good standing or not!! I then disconnected my call with XXXX as she was absolutely worthless in the customer service dept. She also advised they sent a letter stating it was closed, which they did not. Nor did they state it was closed in XXXX XXXX when I contacted them regarding the promotional details. 
9. I currently owe the vet for the {$370.00} charge, and feel that Care Credit should reinstate the card as they never advised it was closed, not should it have been closed. THE SIMPLY CLOSED IT AS THEY WERE NOT MAKING ANY INTEREST OFF FROM IT. THIS IS NOTHING BUT FRAUD. Care Credit/Synchrony bank has violated the contract. 
10. Remedial Action : I want the credit card back with the exact same promotion as promised, received initially and as the contract stated, at which time I will again make timely payments. OR : I want Care/Credit to pay XXXX XXXX Vet for the {$370.00} that is due, and they can keep the account closed. 
Thank you for your time.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (IL)

SAMS CLUB OPENED A CREDIT CARD FOR ME. THEY NEVER HAD THE CORRECT ADDRESS, USING ONE THAT WAS 15 YEARS OLD. WHEN I CALLED THEY NEVER UPDATED WITH THE NEW STREET NAME. I RECEIVED XXXX IN FEES THAT I WANT REVERSED DUE TO THE FACT THEY NEVER SENT THE BILLS, AND THE LAST XXXX STATEMENTS SHOW THE WRONG ADDRESS. FURTHERMORE THEY CUT UP MY CARD AND CLOSED MY ACCOUNT. I WANT A REFUND AND MY FINAL STATEMENT SENT TO ME
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NC)

I am filing compliant to Synchrony Financial Banana Republic Credit Card regarding reporting me as past due to my credit report. I did not receive bills for 2 months and all of a sudden on XXXX/XXXX/2016 I receive a bill indicating I was past due. I promptly called, paid the bill in full and was refunded the late fees BUT they would not acknowledge there was a billing error they made as I had not received it through e-mail or paper. In addition, they have converted this account 3 times and often with me being unaware until I have swiped the card at the Banana Republic store. I have never been past due on ANY account and never past due with this product EVER. The representative refused to help. I am frustrated that some banks, not all, are taking advantage of consumers by being unfair, deceptive and abusive. All this happens as well while I am refinancing my mortgage. What also bothers me is that they never even called me to indicate I was past due or sent specific e-mails indicating I was. This just seems like an opportunity for this bank meet financial goals by charging late fees and hoping the consumer wo n't follow up on it. I am at my last straw and a very frustrated consumer.
Consumer complaint received 2015-09-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (CA)

On my Amazon.com payment webpage in XXXX 2015, Synchrony Bank promoted a financialoffer : 5 % cash back or 0 % APR on purchases. The page expressly stated that Amazon.comStoreCard members enrolled in the paid XXXX membership would " automatically '' receive these benefit choices. This ad on the Amazon.com payment page appeared for the next XXXX months. I made several inquiries to Synchrony Bank about receiving this financial promo. No one, either reps nor supervisors, knew about the promo or how to follow-through. 

In XXXX 2015 the Amazon.com payment webpage changed, the offer reappeared, yet it was no longer an " instant '' benefit. I selected to receive 5 % cash back on purchases at that time. 

XXXX, 2015 StoreCard statement for Amazon.com from Synchrony Bank did not include the cash back on purchases benefit, after I made rather difficult, repeated inquiries. 
Synchrony Bank made a financial promotional offer, XXXX 2015, based on purchases made by XXXX membership clients that they did not honor or follow-through. Synchrony Bank was not able to, and appeared incompetent about correcting this matter.
Consumer complaint received 2016-09-06
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (CA)

XXXX XXXX is an XXXX XXXX XXXX who has lived in her home at XXXX XXXX XXXX XXXX in XXXX XXXX since XXXX. She and her now-deceased husband took out a home Equity Conversion Mortgage ( HECM - reverse mortgage ) from XXXX XXXX in XXXX. Even though it was not necessary, the lender had XXXX XXXX deed over to her husband, XXXX XXXX XXXX, who is now deceased. XXXX XXXX recently received an undated letter from HUD, stating that the HECM is now owned by HUD, which informed her of her right to remain in possession of the property after her husband 's death if she met the criteria, and the mortgage is not in default. The letter instructed her to work with the servicer, XXXX. XXXX XXXX does qualify to remain in her property, and is current on taxes and insurance. However, XXXX refuses to provide XXXX XXXX with the necessary information as to how to apply to remain in possession, or to process the request and documentation she submitted allowing her to remain in her home. XXXX XXXX representative was working with XXXX XXXX 's son XXXX, who is authorized in writing to assist, but then dropped the ball and said that a new individual at XXXX was handling the matter. The new individual will not communicate with XXXX son by either taking or returning calls. Instead, the property is set to be sold at foreclosure sale on XXXX XXXX, XXXX. XXXX XXXX 's attorney, XXXX XXXX of XXXX XXXX, called the trustee, Quality Loan Service, on XXXX XXXX, XXXX, and the representative said that XXXX XXXX and the attorney had to deal with the servicer. WHen XXXX XXXX 's attorney refused to do so because the servicer, XXXX was not properly assisting XXXX XXXX and had said that XXXX XXXX had to deal with the trustee, at XXXX XXXX ' insistence, the trustee gave XXXX XXXX contact information to the trustee 's attorney, XXXX XXXX XXXX. XXXX XXXX then sent a request via fax and email to XXXX XXXX XXXX to stop the foreclosure sale, but the attorney will not provide a response until five business days. 

XXXX XXXX is entitled absolutely entitled to stay in her home as the surviving spouse of HECM borrower, especially because she never should have been required to deed over to her husband in the HECM loan to begin with. By refusing to stop the foreclosure sale, and properly advise XXXX XXXX ( and her son ) as to her right to remain in possession, what documents are required, and in refusing to stop the sale, HUD, the servicer and trustee are acting illegally and against public policy by causing an XXXX XXXX XXXX widow to be foreclosed on her home of XXXX years when she is entitled by law to remain in possession.
Consumer complaint received 2017-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (OK)

Someone else used my information to open an account. I 've never lived outside Oklahoma and this was an account from Missouri. I 've talked to them before and am told I have to file a police report. I work and have a family I do n't have time to hassle with a false account from years in the past.
Consumer complaint received 2016-12-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc. (CA)

This company Convergent is trying to extort monies from me! 
1 ) this account was paid off XXXX 2 ) i have a current large line with XXXX perfect rating 3 ) this account is 10 years old and paid off,. 
4 ) this is extortion
Consumer complaint received 2016-07-06
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: JPMORGAN CHASE & CO. (MI)

Roughly 10+ years ago I closed out my accounts with JP Morgan Chase Bank XXXX in order to close out an unsecured line of credit I had to pay it off. I did that to close out my account roughly {$500.00} payment when I closed out the accounts, and now I get this late payment that showed up on my credit report after 10+ years stating I owe close to {$900.00} dollars. I have never had any payment schedules or notifications in the 10+ years because I paid it off. Upon calling them I am told I need to show proof I paid it off. I would like to think that if indeed I had not paid it off ( which I did ) I would have immediately received late payment notifications. I left Chase bank because of some poor customer service and charges that were way out of line with the other banking institutions.
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAROLINA FINANCE, LLC (VA)

I paid off my loan, per my contract and I 'm being told I still have a balance of {$2800.00}. No 'knowledgeable ' explanation has been given and the company has not provided a statement to indicate what these additional charges are for. I 'm unable to obtain the title to the vehicle since they 're stating the balance is not paid in full. 
The loan was satisfied in XXXX 2016. Since then, the company has decided to give me a new account number with this new balance, which they are unjustifiably claiming. For starters, the APR this company has charged is ludicrous. However I did agree to those terms on the contract. These additional fee 's they 're claiming, I DID NOT agree too. If this company is claiming I did agree, I need documentation to support that claim and validate these additional fees.
Consumer complaint received 2017-01-05
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX XXXX night at XXXX and XXXX I went to the XXXX on XXXX to use the Mac machine I went to withdrawal XXXX from my account the Mac machine got to when it started counting the money but the door of the Mac machine never opens up it started acting like it was counting the money again and again the door never opens up instead a receipt comes out stating incomplete transaction. I went to the other machine and this time a receipt comes out stating to contact my financial institutions so I called them to let them know that the Mac machine took my money and that the door of the machine never open they stated that or their end that it showed that the Mac machine gave me my money and that they could n't credit my money back and that I had to send them the receipts. So I sent them my receipts and drivers license and they stated that I had to fill out a dispute form. I filled that out and contact them to see if they received it they stated that they had then they proceeded to tell me that they was n't going to contact XXXX that 's where the Mac machine comes from until XX/XX/XXXX then after contacting them then they were n't going to contact me until XX/XX/XXXX. But instead they contact me XX/XX/XXXX @ XXXX stating that they was n't going to credit my money back into my account and that if I wanted a copy of the form that they sent to XXXX bank that I could n't get it until 5 business days.
Consumer complaint received 2015-06-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (OH)

Have a car loan with GM Financial. The loan was for XXXX months but I have made a total of XXXX payments for this loan. They have came repro my call when it is paid off. I have a letter from tell me that I need to call them to get the title of the car. GM has miss applied some payments according to the records of my payment history,
Consumer complaint received 2016-02-12
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I had a money market account with HSBC.. I closed it on XXXX/XXXX/2016. I only received interest through XXXX. I was owed 9 days interest totalling about {$11.00}, which I know is a very small amount. I still have a checking account & credit card ( both mostly inactive ) at that bank. They could easily credit the interest to those accounts but wo n't. Their customer service department is a nightmare. After marathon waits on hold enduring music which seems designed to be annoying, you speak to a series of exquisitely polite human automatons who keep connecting you to someone else until eventually you either get disconnected or speak to a supervisor who tells you to call back later or says someone will call you back ( they never do ). I 'm tempted to just let them keep the {$11.00} but I do n't want to let them get away with it & I can not handle another session w/the customer service dept. Please make them pay me the interest which they do n't even dispute they owe me.
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C (GA)

I already paid this debit prior with another credit agency, But now the debt has changed names and been sent to someone else to deal with even though it was already paid. I sent letter by certified mail to collector back on XXXX/XXXX/2015 asking for validation of proof that I owe debt from previous credit agency which was signed and received on their end on XXXX/XXXX/2015 and informed them of the FDCPA and that they are given 30 days to get this information out to me or else they would need to stop any debt collection from me. Now we sit at XXXX/XXXX/2015 and no information as of yet. I contact the collector and was informed that on XXXX/XXXX/2015 they mailed out information claiming validation of my debt and that the process took longer than 30 days to collect and that I should receive it in the mail in a few days. In the meantime the collector is filing default on me regarding this debt stating that I owe it which I do not and with that certified letter I sent was all the proof they needed to see that it has been paid for but regardless they want to still pursue to collect. They have violated the FDCPA.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

American Express green card interfered with my mortgage refinancing. American Express deceptively solicited a credit card which is not a credit card it is a charge card. It should have state it is a charge card on the card. When I applied for mortgage refinancing American Express requires the card to be paid off in full and cancelled. It held up the process. I had to take on additional credit from a real credit card to pay off the balance. This all delayed the process causing even more headaches. The refinancing did not end up going through and my credit cards are in charge off status.
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management Inc FAX # ( XXXX ) XXXX XXXX : account # XXXX OR XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account Midland Credit Management Inc that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX D.O.B : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX
Consumer complaint received 2017-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the three credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XX/XX/2017 they cashed the check that was sent to them.