davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SYNCHRONY FINANCIAL (MI)

My wife had been paying on a debt from GE money. Even though she was paying, they closed her account. She then became XXXX and could not pay. Right after a XXXX injury, they sued her and forced her to go into court with her attorney even though the doctors all documented XXXX. She was coerced into making an agreement for {$25.00} a month, even though the doctors permanently took her off of work. We almost lost the house and we had to take all of our money and pay our debt because our mortgage company went bankrupt and made a mistake on our mortgage. She could no longer pay GE. She tried to contact them through mail for settling the debt and got no response. 

This year, GE money, and XXXX XXXX served my XXXX wife with another summons through our XXXX court.When she got the summons, it was dated months before. It also said she had only 10 days to answer. This document was months old before she received it. See documents and dates enclosed. 

She had been unemployed through documented XXXX, on XXXX assistance and medicaid because she is still and permanently XXXX documented XXXX.She is nearly XXXXdocumented. Belongs to the school XXXX. Documented. 

A few weeks ago, we contacted the court and XXXX XXXX to see how to work this out and start paying again, The court said XXXX XXXX had to drop it or take payments. We then called XXXX XXXX who said they no longer had the debt, but yet they still had the summons that the court said only XXXX XXXX could drop. 

When asked about this recently after XXXX complaints GE says they are no longer GE and are synchony bank who states that XXXX XXXX even have the debt. They are not only trying to get this money from us but so is XXXX XXXX XXXX. XXXX COMPANIES ARE LISTED ON SUMMONS from XXXX district court. 

My wife sent GE {$25.00} and the summons is still in place. I am XXXX from the same accident and also military related XXXX. Recently, I had to file taxes.Enclosed, you will see that I got a letter back from my state saying that due to this summons, I will have to give it to GE. It is enclosed.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (OH)

I looked on my credit report and I saw that there are ( XXXX ) accounts from Synchrony financial. XXXX account from Ashley furniture and XXXX account from XXXX. I only opened XXXX account and that was with Ashley furniture. I called Synchrony bank and asked them to remove the account and they said that they would but it is still showing up on my credit report.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Transition is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. See attachment
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (MI)

I am a XXXX and currently a graduate student at the XXXX. I was trying to book an Air BnB but was prompted at the end of my booking that it could not be processed. I was well under my credit limit and had just recently paid my Barclay credit card. I called Barclays on XX/XX/XXXX ( US ) and was told that I only had {$270.00} of credit available. I assumed that my card number had been compromised and unauthorized purchased had been made. However, the representative told me that my credit limit had been lowered by {$700.00} due to information they received on XX/XX/XXXX ; therefore they dropped my credit limit that day. The fastest response time I 've ever seen. It takes 45 days to get a response to a complaint. The said they send a mailing to my address on file and that would have taken 7-10 days. No call, no email, not express, and no XXXX message ; as I had been in contact with Barclaycard 's during that time via XXXX and they were accessing my account information. In the last two weeks, I had a reimbursement put on my Barclaycard that was {$900.00}. Nonetheless, the manager I spoke to said this was a 'credit ' and not a 'payment. ' As I explained, I am overseas and was trying to avoid the time-consuming hassle of getting the payment in cash depositing it in my XXXX and then transferring it to my U.S. bank to make my monthly payment. They said I still needed to make a 'payment, ' so I made my monthly payment as well. The same day they replied to my XXXX message complaining about the customer service was the same day they lowered my credit amount. Barclays had just received XXXX the monthly minimum the same month they reduced my credit by {$700.00}. I could have just as easily nickeled and dimed them with minimum payment or taken that 'credit ' in cash but I was responsible. I raised a fuss on social media and had my credit downgraded. My credit rating had been steadily rising in the last year to around XXXX when they decided to lower my limit. I have XXXX credit cards including the Barclay card with a balance of around {$450.00} and a previous credit limit of {$1600.00}. I also have student loan debt like everyone else. I 'm unclear what this credit report could have said when I have been on top of my payments, and my credit score has been increasing each month and each year for the past two years. My ability to access Barclay via the app for the last 7-10 days has been nonexistent or significantly limited en=ven though my app is up to date. My XXXX address is XXXX. XXXX XXXX XXXX. I am currently living at XXXX. XXXX, XXXX, XXXX XXXX. Any paperwork they have sent has not arrived and I have received no information via email, app, or XXXX.
Consumer complaint received 2016-10-14
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Santander Consumer USA Holdings Inc. (HI)

My car went missing from the parking lot at work in XXXX. I tried to file a stolen vehicle report with the police and insurance company. Santander said they repossessed it due to late payment so I was unable to report it as stolen. For almost a year or more they contacted family members and neighbors over the phone and in person trying to find my car they claim they did not repossess it and we 're looking to repossess it. They continued to call and ask me where my car is after THEY told me multiple times that THEY repossessed it. They even called to tell me it went to auction on another XXXX and asked me where it went after auction like I would know. Then in XXXX they send me a letter to settle my charge off amount for 50 % off my total amount in exchange for the title for a car they claimed they repossessed, supposedly auctioned and lost track of 4 years earlier.
Consumer complaint received 2016-05-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TN)

I took out a loan with Santander USA on XXXX/XXXX/XXXX. I bought a XXXX Nissan Sentra through XXXX in XXXX TN. Since the very beginning of this loan, they have constantly stated the note is always past due. See my photo of the due date of my first payment ( XXXX XXXX, XXXX ). I was informed that I would never catch up because since my first payment was 45 days past the purchase date, I was already being charged over {$670.00} in finance charges. This is a total scam. Nothing they ever say makes any sense. I have made extra payments, made extra bulk payments and been harrassed about the car being repossessed. My rate is 24.99 %. When I bought the car, I was told I could refinance the vehicle in six months after on time payments. That was a lie. Santander does not refinance anything. I have paid close to {$30000.00} for this car that currently has a book value of {$4500.00} and I still owe over {$16000.00} on this car. Every month, they charge me a late fee but my payment is not late. Every month they also charge me an over a thousand dollars in late fees and interest. This is a simple interest loan which I did not know nor understand what that was and was never explained to me. I still do n't really understand how this XXXX XXXX company can legally charge me triple interest and late fees every single month.
Consumer complaint received 2016-03-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I have a 6 year loan with santander on a XXXX dodge journey. I purchased the car XX/XX/2013 The pay off amount was for XXXX after finances were added. I have had this car for almost 3 years and the pay off amoumt has increased to XXXX dollars and has never lowered. Santander has lost payments, and after deferring two payments have started calling 4 to 6 times a day saying I am over XXXX dollars behind.I have been blocked out of my online account and can not retrieve any information.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MS)

This company calls me at work XXXX or XXXX times daily. My coworkers know what company I owe now because their number shows up so much on the phone. When they call they are very threatening and aggresive. They already have taken me to court and have a judgment to garnish my wages.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I sold my home XX/XX/2023. XX/XX/2023 XXXX, XXXX, and Equifax stated I closed my account and dropped points. The three credit bureaus status changed to " settled for less '' and dropped my credit score XXXX points on each bureau. I contacted the creditor XXXX XXXX, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and I did not settle for less but XXXX said they can't do anything. XXXX said they will attach the document but that's it. Equifax said they cant do anything. My credit score keeps dropping.
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (OH)

I have a a unverified account XXXX. I had previously disputed this account with BAY AREA CREDIT SERVICE. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX purport I owe.This is a old account from XXXX XXXX XXXX ( bal. {$250.00} ) that has been sold at least four times to various Third Party collections agencies and the previous agencies could not validate the account and it was deleted form my XXXX credit report. 
I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MO)

My mother and I have been called off and on since we moved in to our rented duplex by collection agencies who always promised to remove our number after we made it clear we did not know the person who used to use our home phone number and did not have a forwarding number. The most recent incident was today and so I decided to check to see if there was more I could do, which led me here. We moved in XXXX10 years ago and while it has n't been every day or week it 's still a waste of our time that needs to stop.
Consumer complaint received 2017-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (PA)

XXXX I call XXXX for Tech support because I was having problems accessing emails the tech support who said he was XXXX said needed access to my computer and after 4 hours said I needed updates and would cost {$9.00} to XXXX billing so I gave them my credit card # that XXXX has on file XXXX I was notified by Western union of a charge for {$900.00} I called XXXX again said they have no record of my call to them on XXXX Only XXXX when I call them again because problem not fixed - they ended up fixing problem XXXX I call my credit co. who cancelled this card and sending new card Also credit card co said some other charge of {$320.00} for XXXX no sure what XXXX I called XXXX told of the problem that some how someone can access your tech support system - they said look into it
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (MD)

Subject : Complaint against Fortiva Retail Credit for Harassment and Unfair Practices Dear XXXX XXXX I am writing to bring a serious matter to your attention regarding the harassing tactics and unfair practices employed by Fortiva Retail Credit . I kindly request your assistance in resolving this issue and putting an end to their unacceptable behavior. 
On XX/XX/2023, I made a purchase at XXXX 's using a Fortiva account that was opened by a representative from XXXX 's. The item I purchased amounted to {$42.00}, which I promptly paid off before the due date. However, a few weeks later, I received a call from a Fortiva representative claiming that I owed membership fees and late fees. I was taken aback by this information, as XXXX 's had not informed me about any membership fees associated with the account. Nevertheless, I agreed to pay the membership fees but requested that the late fees be waived. The Fortiva representative assured me that the late fees would be waived, and I made the payment online as agreed, three days later. 
I believed the matter had been resolved satisfactorily, but to my dismay, I continued to receive subsequent bills indicating additional late fees. When I contacted Fortiva to rectify the issue, another representative informed me that the late fees could not be waived because I had not called a representative to make the payment. I explained to them that the previous representative had failed to provide me with this information, and I should not be held responsible for their inadequate communication. Despite my explanations, Fortiva continues to add more late fees to the membership fees that I have already paid. 
I am seeking your assistance in resolving this matter promptly. I find it grossly unfair that Fortiva is abusing its power and attempting to coerce me into paying additional sums of money when the original amount owed was paid on time. According to Fortiva 's own rules, no interest should be applicable when the full amount is paid within 12 months. Therefore, their ongoing imposition of late fees on the already paid membership fees is highly unjust. 
I kindly request that you investigate this issue and take appropriate action against Fortiva Retail Credit to rectify their unfair practices. I believe it is crucial to hold companies accountable for their actions, ensuring consumer protection and safeguarding the rights of individuals like myself. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this dispute. 
Yours sincerely, XXXX XXXX
Consumer complaint received 2017-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (NV)

the company Equitable Acceptance has scammed me into paying for their " service '' in lowering my federal student loans. They are drafting {$42.00} from my checking account monthly. I have been paying since XXXX of XXXX and I still owe the same amount in my student loans. They claim to reduce my payments and pay for 120 months and the rest is forgiven. I pay {$180.00} a month and my loans are still the same amount. This company is fraudulent and they have put an inquiry on my credit report.
Consumer complaint received 2017-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

I have been a member of navy federal for over 20 years and when a filed a fraud claim on my checking account last month, navy federal blocked my online access to ALL my accounts without even notifying me. I ca n't pay my bills because I ca n't transfer money online. When I complained repeatedly on social media I was just told to call and then my complaints were IGNORED. Completely unacceptable!! When I did call, I was victimized again by some woman with horrible English who said my checking account had to be closed and a new one opened. I 've had the same checking account number the entire time I 've been a member and I have it memorized. If the account needed to be closed and another one reopened why was n't that already done when I filed the fraud claim??? The rest of my accounts should NOT be blocked online though. I have no idea what 's happened to navy federal 's customer service but it 's definitely gotten a lot worse in the last several years. I 'm still waiting for the {$110.00} to be returned that they stole from me when I filed another fraud claim on my credit card in XX/XX/2016. Navy federal seems to be on the side of the identity thieves and not their longtime members. They have my money held hostage and I need access given back to me online IMMEDIATELY so I can pay my bills. I 'm seriously considering closing all my accounts and taking my business to another bank where my business will be valued. Clearly customer service, member loyalty and service to the country mean absolutely nothing to navy federal and they should not be responsible for other people 's money. I 'm tired of being IGNORED and having my money stolen from the institution that is supposed to be protecting it!
Consumer complaint received 2017-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint with the CFPB with this issue before but sadly Bank of America doesnt want to refund my money they want me to drive from XXXX California back to XXXX XXXX NM to talk to the bank manager about the mistake that Bank Of America made by putting {$200.00} cash into some one else account and refuses to do anything! when Bank of America investigator calls me every time she does I was at work. Until today XXXX XXXX,2017 an she read me a scrip and every time I complained she would say I understand and go back to the scrip this is not good customer service! I want my money {$200.00} cash back if they refuse to give it to me 1 more time I will sue Bank of America in Small Claims court for being negligent. If we go that route I will be asking for {$35.00} in late fee plus interest and court costs. I 'm tired of Bank of America thinking there above the law because there a big corporation. They need to be held responsible for there actions!!!!
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (CA)

I was the victim of identity theft last year in which someone opened multiple credit cards in my name. They used their address or an address different than my home address. They charged on multiple cards and it is now effecting my credit. I have reported this to the companies and to the credit agencies and has done no good. The credit card company ( XXXX XXXX ) said that the address used shows on my credit report as my previous address. This is incorrect. I have never used, loved, nor know anyone who lives at that address. I have lived in the same location for over 10 year and prior to that lived in the same town for the last 20 years. The reason this address showed on my credit report is due to the multiple fraud accounts opened in my name at this fraudulent address. The person or persons also stole my social and name to open these accounts. I dont feel I should be held responsible for identity theft and fraudulent use of a card that the company was not careful enough when they issued it. The companies negligence is not my fault. 
I have attached my government ID and a police report. My id confirms my current address and by the expiration on the id it shows I have
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (CA)

Several of my credit cards have been comprised and charged without my consent. from a game called slots of XXXX free slots through goggle play under a email address XXXXXXXXXXXX XXXX This is an email that I rarely use but for some reason my credit card information have been save under goggle play without my knowledge. Although I have changed my password on numerous occasion. I still get security alerts abut someone accessing my account XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I received notification by goggle that someone has my password. Yet goggle have not taken any security measure to avoid someone charging my account. 
XXXX XXXX XXXX XXXX ending in XXXX XXXX {$2.00} XXXX/XXXX/XXXX {$53.00}. Transaction of {$7.00}, {$7.00}, XXXX {$7.00}, {$0.00}, {$0.00}, {$19.00} XXXX {$61.00} {$29.00}, XXXX, XXXX XXXX/XXXX/XXXX {$29.00} XXXX/XXXX/XXXX {$19.00} XXXX/XXXX/XXXX {$270.00} XXXX, XXXX XXXX/XXXX/XXXX {$8.00} {$7.00}, XXXX, XXXX/XXXX/XXXX $ XXXX {$60.00} {$29.00}, {$29.00}, {$0.00} XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$69.00} transaction {$7.00}, {$7.00}, {$29.00}, {$7.00}, {$7.00}, {$7.00}. 
XXXX/XXXX/XXXX {$360.00} Transaction {$2.00}, {$19.00}, XXXX/XXXX/XXXX {$41.00} XXXX/XXXX/XXXX {$72.00} XXXX XXXX Ending XXXX {$500.00}