davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Forster, Garbus and Garbus (NJ)

I received notice from XXXX XXXX XXXX of an attempt to sue my XXXX mother, who has passed away on XXXX/XXXX/2017, There was never any communication to my mother from these people, Forster, Garbus & Garbus. This is their first communication, and it came in the form of a lawsuit to a deceased XXXX! 
The amount they are suing for is {$1400.00}!! 
I called the court and explained my mother had passed away, and there are no assets or estate. 
The court told me to report them to you, as they frequently do this to deceased people to see if there is an estate. I told the court I would send a copy of death certificate to them. 
These people really are the lowest of low. They should be sued for not validating the debt, and harassment. 
Even the court personnel now they are bottom feeders
Consumer complaint received 2016-12-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (AZ)

I made a {$350.00} promotional purchase at Lowes in XXXX that offered 6 months of no interest as long as I paid the minimum amount due and paid off the promotional balance in 6 months. I made almost {$3000.00} in payments in the 6 month period to pay down both the promotional balance and my existing balance, and Lowes did not credit any of my payments to the promotional balance. As a result, I was charged several hundred dollars in " deferred interest '' at the end of the 6 month period.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have spent countless hours and thousands of dollars cleaning my credit report and monitoring my credit and scores through a membership with Transunion in order to get my credit to a point where I could refinance my home. I recently hit a level that I believed was satisfactory based on the scores provided in my membership and I applied for a loan. This loan was denied based on the credit score that was provided to the lender which was XXXX. However, the score that I am shown when I log into my Transunion account is XXXX, which is a XXXX point difference.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I just checked my credit history and there is a fraudulant charge from XXXX XXXX. I called XXXX countless times over approximately a 6 month period in the hope of getting help because my XXXX had been hacked. Each time I asked them to note my account that I called and what the problem was. I usually keep my bills on auto pay, as was this account, until I started seeing charges double or more of what I owed. I talked to the fraud dept. at XXXX 3 times, yet nobody opened a case. I talked to customer service about the issue and asked to speak to a manager several times, and every time I was told there was n't a manager available, but they would have XXXX call me. Nobody ever called me or tried to help at all. I finally called and told them to take the account off auto pay since nobody there cared to fix the problem. I have had service with XXXX for many years and I always had them on auto pay so there was never a late payment. I never pay any of my bills late. I literally spent hours and hours on the phone over the course of several months trying to get someone there to care enough to help. I do not owe them any money and am disputing that any negative information on my account is incorrect. Thanks to their lack of caring or helping, they lost a very long time customer for good. Please tell me what to do to get XXXX and a balance I do n't owe off my credit records. 
Thank you, XXXX XXXX
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

This is an extension of complaint XXXX. Syncrony bank states that they resolved the issue by mail. They resolved nothing. Nothing has been resolved with this matter. They violated FCRA XXXX here in California. I filed a case against them and I was unable to show up because I am temporairly XXXX and the court stated that I could file again against them if I chose to, which I plan to unless Synrony pays for the statuorty damages for contacting me by phone when i did not ask them to contact me by phone in writting and verbally. 

If Synchrony bank responds back stating that they have no record I will infact use that against them in court and they will have infact purgered themselves because they would be lying. I have all the records I need to show a judge ( AND ONLY THE JUDGE OR ON THE DAY SMALL CLAIMS COURT ) That I indeed was contacted and that the call was recorded. 

Please consider this my one any only chance to mediate this situation in the form of {$1000.00} in debt forgiveness or I will be filing for {$3000.00} in small claims court or perhaps giving this to a Civil attorney. 

Please do not contact me by phone about this matter you can email me, but no phone calls if you wish to discuss settlement XXXX
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (OH)

I have a Chase card reporting on my credit report as a derogatory account. I have contacted Chase Card to inform them That i did not open a credit card account with them and wanted them to provide me with my signature requesting to be added as an authorized user on the account. Chase sent me a letter with no verification that requested that I was listed as an authorized user on the account. I want this account immediately removed from my XXXX, XXXX and XXXX credit reports.
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Skopos Financial, LLC (GA)

I am having problems with the Loan/finance company for my vehicle. The day after I had purchased the vehicle the finance company called me to welcome me to work with them. I mentioned to them that I am a construction tradesman and always out in the field. I gave them my wifes information and gave them permission to speak with her at all times regarding my payments. We ended up behind in payments because they keep telling her that I have to call them to give them permission to talk with her. They have her information on file but refuse to look for it. When I call I can not get anyone to speak XXXX. I can never understand them. than they hang up. Finally I took two hours out of my very busy work day losing money to call them again and get hung up on several times. I finally get ahold of someone, and their story is that they do n't have anything on file and my vehicle will be repossessed. We have made them an offer, and they refused it. I know I have not very good credit however I deserve better service than this. This company is very unprofessional, disrespectful, and plain out ignorant.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Tranunion has been reporting incorrectly on my credit report and when I disputed the mattes the investigations have taken excessive amounts of time to complete. I tried to get a new investigation started and was denied by transunion I explained to them that the accounts did not belong to me but another person living at my home with the same name. The investigation took to long was was not through enough because the results were the same.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank - Lowes Credit Card The company does not any longer provide an online statement unless you agree to electronic billing. That 's probably legal. 

The company does not provide a statement of " balance due to avoid interest charges on your next statement '' ( XXXX XXXX does ). They 've argued that is legal and they 're not obligated to provide that information directly. Consumers can calculate the amount by subtracting promotional balances. 

Today I 've been on chat support with Lowes/Synchrony to pay my bill correctly, and so far XXXX agents can not explain what happens when I send in a payment regarding how the payment is applied to promotional balances. Oldest balance first? dunno. Allocated proportionately? dunno. 

The answer offered by each is that it is 'automatic ' and 'by the system '. 
It 's probably disclosed somewhere - but why would n't a full time company representative know this? 

What I was trying to understand is that I had actually zero current activity but there are XXXX separate zero interest promotional balances incurred at different times. Today I was making a payment. My past payments reduced the balance of all promotional purchases but not the oldest first. No one can explain the logic. 

The agents say that they can not explain the allocation but, to their credit for doing their best within their authority, that consumers have to call or chat each month if the consumer wants the payment applied to the oldest balance or in any particular way. 

Could the company comment, is this information correct? 

Why ca n't anyone just explain the payment policy? ... is it too complicated?
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have contacted Transunion on many occasions about this problem. I have been paying on my auto loan since XX/XX/2014 have never been later. They have this loan as in Bankruptcy and like I never paid on the loan. I even sent Transunion a letter from the creditor. And this has never been fixed this has been going on for 4 months can you help me?
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (CA)

I received a notice from " Financial Recovery Services , Inc. '' on XX/XX/2019 stating that I owe {$420.00} charged on a XXXX XXXX credit card. I haven't used a XXXX XXXX Credit card since I cut up the card 10 years ago. I think this is a scam company that is using my credit info to fraudulently get money from any victims that will oblige them. Please advise me as to what I can do about this.
Consumer complaint received 2015-04-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending (TX)

i attended XXXX XXXX, Pennsylvania for diesel and fabrication in XX/XX/XXXX-XX/XX/XXXX and they told me that they could get me a job after i got out the school but here it is XX/XX/XXXX almost three years later and still no job of any kind and it was n't from the lack of trying on my own, and recently the campus i had attended was sold off and closed similarly to the XXXX, Florida campus, and with this being how is it that you expect me to pay back my loans when the school could not follow through on thier promise, and further more earlier this year XXXX ( XXXX collages ) was sued and forced to pay back the loans for the students who still had loans out but it dont cover private loans so now again you me expect to pay you back the money i borrowed under the schools advice which they adivse all their students to get XXXX and perkins so they are your biggest asset and now you have lost that asset due to thier own negligence to the students the people who are the reason you get a paycheck and if you dont take of this matter ill personally make sure no student in the future will ever use XXXX again so as to put you out of business but use of the internet and put you of work cause you are too GREEDY to help those who have wronged and lied to by their respective schools. 
hope to hear back soon
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation (OK)

Continual robo phone calls with a computer telling me this is an attempt to collect a debt. Then followed by a phone number XXXX. This number shows to be listed to XXXX. I have call the XXXX number to tell them to stop calling but its also answered by a recording that says by continuing I am providing my consent. I 'm not consenting to anything so I never get to talk to anyone. Global Credit and Collection Corp. Please make these people stop disturbing me in my home. 
Thank You
Consumer complaint received 2015-04-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY CREDIT SYSTEMS INC (NY)

They calling my house and asking to speak to my daughter, when they are told she does n't live here they tell me that I am lying and they will continue to call me XXXX Times a day if they want to, they wo n't give me thier address so I can send a cease and desist letter so I told them to cease and desist calling but they continue to call the name of the company is security credit
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After I entered all my personal information in Annualcreditreport.com it does not show me my credit report. It says that my information does not match with TransUnion records. Then it makes me confirm my SSN and still does not work. I have tried also directly from TransUnion Interactive website and it neither works. Before XXXX 2016, I was able to get credit reports from other sources as XXXX XXXX until it stopped working because of the same reason : my information does not match with TransUnion reports. I am absolutely sure that I am typing the correct information. I also created an account at XXXX with my social security number and I did not have any problem verifying my identity. I am asking for help here because Annualcreditreport.com contact form is not working neither. How can I ask TransUnion to verify my personal information so I can get my credit reports?
Consumer complaint received 2015-07-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NJ)

MY NAME IS XXXX XXXX XXXX NUMBER WITH TDBANK XXXXI BUY A CAR XXXX XXXX IN 2009 ..THE STAMENT NO ARRIVING ON TIMEI TALK WITH REPRESENT ABOUT MY CASE ... BUT NO HAVE HELP.. IN XXXX OF THIS YEAR..THEY OUT MY CAR..I HAD THAT PAY MUCH MONEY FOR XXXX, LATE FEE AND MUCH..THE TDBANK NO HAVE THE LOAN FOR CAN SEE FOR INTERNET AN D I CANOT PAY ..IN TD BANK NOTHING BODY HELP ME..IN XXXX I WAS OK..BUT NOW THEY SAY HAVE THAT PAY XXXX. I KNOW NOT FOR WATH.. 
IN DEPARTMENT OF LOAN ONLY TALK XXXX AND MY XXXX IS NOT GOOD FOR EXPLAIN..I NEED SOLVE AND MY TITLLE OF PROPIETARYTHANK YOUXXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX, XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XX/XX/XXXX I have send a letter regarding this account. Under the Fair Credit Reporting Act, you must Change the status of the loan modification accounts. 

This account was a loan modification that was done XX/XX/XXXX not in XX/XX/XXXX and it was close in XX/XX/XXXX not in XX/XX/XXXX. For that reason this XXXX account should be remove from my credit report. A loan modification does not take 9 years to process. 

You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
Consumer complaint received 2016-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Experian has cross filed another persons credit history with mine. They make it very difficult to contact them to dispute and obtain resolution of the issue. I have tried to call several times and their online dispute system will not accept the information I am attempting to dispute. I have since written a letter to Experian with no response received yet. 

I am XXXX XXXX XXXX born XXXX XXXX, XXXX. Experian has my correct credit history information combined with a XXXX XXXX XXXX born XXXX XXXX, XXXX. I do not know this person nor do I have any affiliation with them. I was born XXXX XXXX XXXX and have formerly been XXXX, XXXX and XXXX ; in that order. 

Both XXXX and XXXX have not committed the same cross filing and my information seems to be correct on their reports. 

I would like for Experian to review my report and delete all inaccurate information immediately.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Other fee — 
Company: TD BANK US HOLDING COMPANY (CA)

I have a Target Credit Card issued by TD bank. In XXXX XXXX 2015 the bank put a charge on my account - {$25.00} returned payment fee. I called to the bank 's customer service and explained that I believed that the fee was a result of the bank 's computer system error : in the previous month, XXXX, I logged into my account online and change the information for the payment account for my Target Credit card. The system informed me that the changes would take place starting the next month - XXXX. However, The next month the changes were not applied and the payment on my Target credit card was drawn from the old, incorrect account. That 's why the return payment happened. I explained that to the Bank 's customer service agents and requested a refund of {$25.00} fee. The first agent sounded incompetent - I requested to connect me with her supervisor. At first the agent refused saying that her supervisor had all the same information and could not help me better. After I insisted she put me on hold and I waited for about XXXX min, with no result. Finally I hang up and dialed TD bank 's customer service again. The next agent was more cooperative and transferred me to the supervisor sooner. The male supervisor spoke to me rather arrogant and said that the bank would not refund the fee. The whole communication with TD bank was just a hassle. And I still understand that the fee was charged unfairly.
Consumer complaint received 2016-12-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

When i was a day late, XXXX 's began calling me several times a day, up to XXXX, thus being harassing in collecting a small payment. I have been an ideal customer and made on time payments for over XXXX months. I finally gave in and returned their call today at XXXX pm and told them i would be making my barely late payment tomorrow. They informed me the calls would continue until the payment posted. I asked to have my phone number removed from my account as i do not have unlimited time to devote to their harassment. they agreed, and at XXXX they called me again. they need to be penalized for harassment, XXXX phone calls in XXXX day is complete overkill.
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I 'm paying Equifax for XXXX monitoring. They alerted me XXXX XXXX XXXX pulled my credit. Equifax gives the same response every time I call to dispute an inquiry. They tell me I have to contact the company who pulled the report. I spoke to XXXX XXXX XXXX because they pulled my credit report in XX/XX/XXXX and in XX/XX/XXXX for a company out of XXXX, FL called XXXX XXXX XXXX. I filed a complaint against XXXX XXXX XXXX and they contacted XXXX XXXX XXXX. XXXX XXXX XXXX told me they do n't pull credit reports for bankruptcies. XXXX XXXX XXXX is set up with them to pull credit reports, but not for the purpose of a bankruptcy. XXXX XXXX XXXX said they would contact the credit bureaus to have this corrected. Now I 'm showing another hard pull from XXXX XXXX XXXX from XX/XX/XXXX. It is obvious this is a clerical or data entry error because it matches the date the pull was done on XX/XX/XXXX. Equifax will not help me. XXXX XXXX XXXX is telling me I have to contact XXXX XXXX XXXX and my relationship with them is severed. XXXX XXXX from XXXX XXXX XXXX in XXXX, FL told XXXX XXXX XXXX I tried to refinance my mortgage and it was not an option for me so I had to file bankruptcy. I have never had a mortgage and this was their way of keeping their relationship with XXXX XXXX XXXX in good standing. This was fraud and is unethical. I signed a retainer in XX/XX/XXXX for my attorney XXXX XXXX XXXX who 's office is in the same space as XXXX XXXX XXXX. My bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Equifax really needs to remove this inquiry. It lowered my score by XXXX points. XXXX XXXX said they do not have a record of pulling the report on XX/XX/XXXX, but XXXX XXXX XXXX is the company which has to get it removed. How can I get them to remove it when they may have put it on there in retaliation of me filing the complaint with the XXXX of Pennsylvania. I have sent a complaint against XXXX XXXX XXXX with the Florida Attorney General. I will be filing a complaint against them with the XXXX of South Florida and I 'm filing a complaint with the Florida Bar Association against my attorney. She had no reason to delay the filing of my bankruptcy for an entire year. 


Alerts XXXX XXXX XXXX XXXX monthCurrent XX/XX/XXXXEquifax - InquiryArchive this alert |Hide alert detailsAn inquiry was made by XXXX XXXX XXXX XXXX for your credit file.
Consumer complaint received 2015-04-08
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CITIBANK, N.A. (NY)

After contacting Citibank, when XXXX XXXX XXXX would n't allow me to make payment arrangements, they contacted me and told me to contact them. Citibank gave me XXXX wrong contact number. Citibank gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.