davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

There seems to be a practice among credit card grantors specifically Synchrony Bank and XXXX XXXX  in which they appear to be reviewing customers accounts and if their credit score is lower than when they first got approved, the Banks are just closing customers ' accounts and saying it is due to a report received from the credit bureau as if the customer 's credit is bad. I believe this practice is unfair especially if the customer 's account is in good standing with the credit bureaus! like mine! Within the last 120 days this happen to me twice. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2021 and just recently Synchrony/Old Navy XX/XX/2021. I just happen to get a credit alert from XXXX XXXX today XX/XX/2021 that my account with Synchrony/Old Navy was closed. I got one on XXXX around XX/XX/2021. When I called to inquire as to why ( same with XXXX  ) they refuse to reopen my account. Both of my accounts were in good standing! I have a 15 page document detailing my interaction with XXXX  that I have been dying to share online. With Synchrony, I wasn't about to go through what I went through with XXXX. I simply told them I am going to file a complaint and sue them. I'm waiting on the same letter XXXX sent me which I received in the mail 3 weeks after my account was closed, ( See attached Letter and that information was not even correct with what the credit bureaus actually had ) telling me basically after doing a review of my account I was no longer credit worthy! Synchrony is going to be sending me, I guarantee you the same bureaucratic letter that XXXX sent me. There was no warning nor notification from XXXX nor Synchrony prior to closing my accounts. Creditors closing my account like this is affecting my credit and has caused my score to drop and they don't seem to care. THIS HAS TO STOP. Unlike the issue I had with XXXX XXXX XXXXXXXX XXXX XXXX card XXXX I wasn't in an actual store making a purchase. I was about to go to the store and make a purchase but then I got the alert about my account being closed. Again, I didn't have another card available at the time to use. They can't just do this to customers. This will affect my ability to purchase a house and car which I was preparing to do within the next 45-60 days! Creditors closing my accounts looks like I did something wrong or that I am a credit risk! and I am not! If this has happened to anyone else, please report it and if you reported it before and nothing was done, report it again. This practice must stop! We must file a class action suit against these banks. These banks are the grantor of almost all the credit cards that are issued in the credit card industry. Go to these links and you will be shocked how many companies issue their credit cards through Synchrony and XXXX ; https : XXXX XXXX XXXX XXXX  and https : //www.mysynchrony.com/XXXX XXXXXXXX XXXX XXXX ; And this is how they treat their customers? It shouldn't be.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (MD)

I have a checking account with American Express Serve. I have a direct deposit from my job and a deposit from my school for my refund. I have been calling for 2 days. The first day they said by XXXX XXXX that day. When I called back they said by midnight. The next day nothing I called in the am and they said by XXXX XXXX. At XXXX XXXX I called and they said with 3 hrs. 5 hours later they tell me in another 4-5 hours. My car insurance has declined, my phone will be off. I cant buy my daughters lunch for school or my dog food. I have a lease I signed to move on Friday I have to pay that. I talked to 3 supervisors and 2 said the same thing wait, and the third suggested I borrow the money from someone. I work so I dont have to borrow money from anyone. All they keep saying its a system issue and they are working on it. The bad part is there is nothing I can do but hope this is all over soon. But I advise no one to bank with them.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (NY)

ALLIED COLLECTION SERV {$2100.00} Balance updated XXXX XXXX, XXXX  ALLIED COLLECTION SERV {$2800.00} This account was previously removed from my credit report for fraud. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit. Allied Collection Services , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They can verify that I was a victim of identity theft. My signature is not the one on the receipt that the company sent to me. you can compare my signature on my ID with the one on the receipt and you can see that it is not the same. You are committing an illegality by putting this debt on my credit since the signatures are not the same and besides, I am not the one who made these charges. send me evidence that it was me. and you will see that they do not have them since I was not the one who made these accounts.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NY)

Opened M & T MyChoice Premium Checking on XX/XX/22 with XXXX XXXX : XXXX Deposited {$10000.00} on XX/XX/22. Per the terms, I needed {$10000.00} monthly balance for the months of XXXX and XXXX and M & T would pay a {$350.00} bonus on XX/XX/22. The bonus still has not been paid. 

Additionally, if you deposited {$500.00} you would get a {$100.00} bonus. THAT bonus was paid, so I know the promo code was attached.
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank XXXX XXXX Car Care card was opened as a result of data breach of fraud was sent to some undisclosed address that I don't know and was used the moment it popped up on my credit report I contacted Synchrony Bank and the approve the claim and the listing was removed now they are constantly putting it back again with a different account number so that it can bypass the credit report filter and holding me accountable and trying to extort money out of me on a card that was never opened my me please help every single month reporting is removed a new account is issued and then back to square one
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (NY)

I have had an XXXX XXXX XXXX collection show up and damage my credit score without any notification from either the phone company or the debt collection agency.

I have never had any issues with paying off bills and ensure  everything is always paid off. 

Now this has shown up and really damaged my credit report. 

When I shut my XXXX XXXX XXXX account to switch to XXXX  I was assured that the account was in good standing by a ) XXXX in person in the store b ) XXXX XXXX XXXX over their phone support I have since received no communication from XXXX XXXX XXXX about this charge, I do not even know what it relates to. There is a {$72.00} collection showing up in XXXX XXXX that was opened on XX/XX/2019. The company collecting is " Diversified consultants inc ''. 

To be clear I have received zero communications over email, phone or letter from this company or XXXX since. My cell number has stayed the same, I moved address in XXXX but I set up letter forwarding with USPS so any communications would be received.

Why are they allowed to silently report collections like this? The {$72.00} is such a trivial amount this is now having a real impact on my credit score. I am a property owner and this type if thing is very serious when applying for a mortgage. What can I do to resolve this as soon as possible? 

Cheers, -- XXXX
Consumer complaint received 2024-02-08
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Applied for forbearance while out of work on medical leave. Forbearance was supposed to end XXXX XXXX XXXX I was told my past due amount was going to be put to the end of my loan during a phone conversation with my mortgage company at the end of XXXX. End of XXXX comes and I'm told everything is still pending for my missed payments on forbearance to be moved to the end of my loan and they will move the start date of my payments to the beginning of XXXX since I can't make a payment while this is pending. Come end of XXXX I'm being bombarded with phone calls that I was supposed to fill out paperwork in order for my payments to restart and my modification to move my missed payments to the end of my loan term. I never received paperwork and they kept telling me they would send it and never did. I asked multiple times if I could set up a repayment plan and was told I had to pay past due amount in full or they will not accept any payment from me what so ever. Finally received paperwork in XXXX of XXXX filled it out and returned it was told I would get confirmation in 5 business days that it was processing and never did. In XXXX of XXXX was told my only option is short sale or deed in lieu of foreclosure. No one is returning my calls or emails. If they do they will call me at random times of the day ( sometimes at XXXX  ) when I can't answer or from a number that shows up a potential spam. They are not in a different time zone from me so idk why they're calling me at XXXX.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently pulled my credit reports from XXXX, Transunion and XXXX and saw there were multiple inquiries I did not recognize and did not authorize. I contacted the credit bureaus multipe times and they would not help me and gave me the run around. They eventually informed me to make a report on FTC regarding said inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-18
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: WELLS FARGO & COMPANY (GA)

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX ; ****XXXX  and ****XXXX. ( Please see pages attached from my credit report. ) These accounts report a  {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items needaf to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Byrider Franchising, LLC (NY)

I signed a vehicle loan XX/XX/2021. I have made my bi-weekly payments on or before the due dates. never missed one. CNAC ( CAR NOW ACCEPTANCE COMPANY ) has continued to deny reporting my loan to the credit bureau. I have had numerous phone conversations and have countless emails back and forth stating they are fixing a problem ..this has been going on for 7 months.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

In XXXX, I called to book a trip using my XXXX Rewards points. I was quoted a price of approximately XXXX points and agreed to book it. 

However, after filling my account up with the requisite points in order to complete the purchase, the agent quoted me a different price of approximately XXXX points. 

After much back and forth about the fact they misquoted me, they acknowledged the mistake and agreed to honor the original price they quoted me. The way it would be done would be to pay the full new price ( XXXX ) and then issue me a refund for the difference of XXXX. I went ahead with this proposal believing that it would be handled as expected. 

At first I was told it would take two weeks to process. After that went by and I called, I was told it could take up to 2 billing cycles. 

It has now been 3 months ( well over 2 billing cycles ) since this was promised to me, and the refund has not been delivered. Every time I call I am told that it is still in the hands of some department for processing. I can not get an answer on how or when this will be done. 

The total value of those points is approximately {$1000.00}, so this is not a trivial amount of value that I am not being refunded as they promised. 

Lastly, I consistently get disconnected from their service line and despite promises to call back, they never do so.
Consumer complaint received 2021-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX credit card Creditor does unexpected interest rate increases and they also charge so many fees on top of all there interest rate fees. When calling them they say sorry you agreed to the term and conditions of the credit card that nothing can be done.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (NE)

In XX/XX/XXXX I was hospitalized for a XXXX XXXX. We are an XXXX XXXX military family covered by XXXX. I went to XXXX XXXX XXXX XXXX ( in XXXX, XXXX, VA ), which was the closest ER to my house. I was stabilized and transported to XXXX XXXX XXXX XXXX. The ER was given my insurance information at the time of my car. They later sent me a bill for {$600.00}. The first time I contacted them I informed them that the bill had not been sent to insurance, and to please do so. They confirmed my insurance information and said they would. This happened a second and third time. I never heard anything additional after the third phone call, so I assumed the bill had been paid by insurance.

On XX/XX/XXXX the {$600.00} went to my credit report. First, my understanding was that they wait 18 months before reporting a medical debt to your credit report. It has been 17 months. Their debt collection on my credit report claims the date of service is XX/XX/XXXX, however the dates of service were XX/XX/XXXX and XXXX. Not XXXX. Second, When I called XXXX XXXX XXXX ( of XXXX XXXX, VA which is the collection agency ) to try and speak with them about the debt, the woman was extremely rude. I again told her this was supposed to be submitted to insurance. She stated it had been submitted to XXXX and denied. I then asked her, per the Fair Credit Reporting Act, to send me written proof of the debt, proof that it was in collections, and proof of the claims that had been submitted and denied by insurance. She refused to do so. I asked her for the account number for this debt collection and she refused to give that to me also. I asked for the claim numbers that were submitted to insurance and she refused to give me that. She stated that I had known about the debt and that they had sent me written information on it already ( which I have never received ). She then hung up on me while I was attempting to explain to her that she was required to give me this information per the FCRA. 

Admittedly I was a little snippy, but her behavior is completely unacceptable. I then called XXXX, who confirmed that the dates of service were XX/XX/XXXX, not XXXX. They also stated they never received a single claim from XXXX XXXX XXXX XXXX. They received claims from the medical transport company ( I had to be transported by ambulance to the XXXX Hospital ) and the XXXX Hospital, but had never received one claim from the ER - denied or paid. 

XXXX XXXX XXXX not only refused to provide me with information that they are required to by law, they also lied about the date of service and lied about submitting the claims to insurance. The woman hung up on me when I tried to site the FCRA and refused to provide me with any information concerning the debt. 

XXXX is sending both XXXX XXXX XXXX XXXX and myself all claim documents that were submitted for this incident in XX/XX/XXXX. Not a single claim was submitted from the ER.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I purchased a lease with XXXX of XXXX XXXX and they added fees on my lease that was never discussed during our purchase. The fees are optional but when I told the finance representatives to remove it, he didnt and said he cant remove, although I never consented to them being on there. On top of that he made me pay for a extra {$870.00} for a service that was charged on my lease already. 

This would have been ok if the service are was actually providing the free services actually promised when I first purchased the vehicle. However, it was a lie I spoke to the service area and they claim that they havent provide free car washes for 2 years. This is supposed to be a luxury dealership but it feels like a scam dealership.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

I am writing to file a formal complaint against Synchrony Bank regarding unresolved disputed transactions on my PayPal Credit account, particularly those attributed to XXXX, and the retaliatory actions taken against me as a customer. 

Recently, I discovered numerous unauthorized transactions on my PayPal Credit account, specifically linked to purchases at XXXX. These transactions were not initiated by me, and I promptly disputed them with Synchrony Bank, providing all necessary documentation and details for investigation. Despite my efforts, Synchrony Bank has failed to complete the claim process and credit my account for all the unauthorized transactions. 

As a result, a significant number of fraudulent transactions remain unresolved, causing considerable financial distress and uncertainty. Despite my repeated attempts to seek resolution from Synchrony Bank, they have not provided a satisfactory response or timeline for resolving the outstanding disputes. 

Furthermore, instead of addressing the issue in good faith, Synchrony Bank has taken retaliatory actions against me by unilaterally reducing the credit limit on my PayPal account. This action not only exacerbates the financial strain caused by the unresolved transactions but also demonstrates a lack of accountability and customer care on the part of Synchrony Bank.