davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (VA)

On XXXX XXXX I received via US mail a Walmart MasterCard. This is a real credit card, not an application or a temporary card. I have NEVER requested or applied for a Walmart credit card. Naturally I destroyed the card. On XXXX XXXX, I received a bill for this credit card for purchases made at a XXXX in XXXX, NY. I have never been to XXXX, NY. This is clearly an attempt at identity theft. I do not understand how someone could use the card or the account number when it was never activated. I have written to Synchrony Bank ( who issued the card ) reporting this misuse of my personal information and informed them that I refuse to pay the bill. I also closed the account via their telephone system. My concern is that, because the credit account was apparently opened without actually using the card, further purchases may occur. Also, a different Walmart/Synchrony bank credit account, albeit with the same opening date, shows up on my credit reports, so apparently there are XXXX accounts I have to deal with. I am very concerned about this and not sure how to stop the misuse of my personal information.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (NY)

We contacted Barclay Card with XXXX XXXX XXXX over XXXX charges to XXXX with a billing dispute. XXXX never credited the account on their end and then proceeded to charge us twice. When I contacted them to put in a dispute they told me it would be taken care of and not to pay it. About a month and half later I woke up to discover they had put back the charges to XXXX. They advised me that they have no dispute rights because the dispute was not completed properly or entered properly into their system and XXXX sent them documents. I requested those documents on XXXX XXXX and still as of the date of this complaint have received nothing. Repeated calls to them have garnered no help except that they would look into it which they never did. They are refusing correct their representatives error and process the dispute that I requested just telling me that it is a one time deal. 

In addition I submitted a payment to them in XXXX for the amount of interest bearing balance as I have some items on a no interest promotion. They did not apply it to the interest bearing amount instead to the promotion and their response was that they always go to the promotion first. I thought they had to apply this to the most expensive interest portion first. 
Some of the items were never even placed on promotion instead on lower interest rate. They have also refused to correct this.
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (OH)

My XXXX was denied for a purchase at Sam 's Club # XXXX XXXX XXXX, XXXX, OH XXXX on XXXX/XXXX/15. I went to the Customer Service desk and they called Synchrony Bank, the issuer of the card and handed me the phone. After verifying my identity I was told that an attempt to use my card was rejected and was asked if it was me that tried to place the charge. I do n't remember the exact amount of the charge in question but it was between {$100.00} and {$200.00}. I said no, that I did not authorize that charge and was then told my card was cancelled and that a new card would be sent to me. Upon reviewing my statement when I got home I noticed another unauthorized charge in the amount of {$1000.00} on XXXX/XXXX/15 to XXXX. I do n't have an account with XXXX and have never transacted any business with them. I called Synchrony Bank on XXXX/XXXX/15 about the fraudulent charge and filed a dispute. I did not receive a Fraud Investigation form but I did receive a letter on XXXX/XXXX/15 stating " After reviewing recent activity, we did not identify any unauthorized purchases applied to the account. '' and also " At this time we have concluded the fraud investigation and consider the matter closed. ''
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

I owed {$29.00} to J.C. Penney ; due XXXX XXXX, 2016. I logged on to my account this morning, XXXX XXXX, 2016 to pay in full and now I owe {$58.00}!? A late fee equal to my total due amount was added. That 's XXXX right? Is that legal?
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: The CMI Group, Inc. (IL)

Credit Management has XXXX inaccurate items on my credit report. XXXX I called last XXXX they have it dated as XXXX per XXXX the date was XXXX. They changed the date only to re age the bill again this XXXX Now they have XXXX internet and the date is XXXX. We were living with my father in law from XXXX-XXXX. This bill would be from XXXX. The Re aged this bill and when I call they hang up on me and will not correct their errors that they do intentionally.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-29
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ASTORIA BANK (NY)

Astoria Federal Savings, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXXThe bank above is involved in bait and switch selling. I have a CD on deposit there which they insist on substituting for a mutual fund. They will not listen to me or answer any questions about the CD account ; nor provide a contract, terms of agreement or method of payment for the mutual fund. All they repeat about the CD is " You do n't need it, '' - which they bark out almost in unison - with out submitting any proof. The pressure is unbearable. 
I am a retired US citizen living XXXX. I am XXXX years old, unemployed and a XXXX. I have documents to prove my medical condition. I visit the USA every year to try and wire back some money for living expenses. My US address is in XXXX NY. I am going to travel to the USA later this year and try again. If I meet with the same opposition again, what should I do?
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Omega RMS, LLC (MA)

Other agencies submitted documents to me stating that Omega-RMS, LLC is allegedly handling an alleged debt tied to my person XXXX XXXX XXXX. I have no idea who Omega-RMS, LLC is and they have never provided me with any type of documentation.
Consumer complaint received 2015-11-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cash Express, LLC (TN)

I had a cash payday loan with cash express have been paying until I got in a finical bind, I tried to talk with them to see if they had some kind I payment plan or something I could do to make paying easier they said no and refused to work with me, now they have started harassing me by calling my home demanding money and also come to my home demanding their money and leaving letters on my door when I am not at home is there any way to stop them from coming to my home
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITY NATIONAL BANK (CA)

I was the subject of a Confession of Judgment entered in a XXXX court. I have no assets or other property XXXX. I reside XXXX and bank with XXXX XXXX Bank XXXX. The judgment creditor did not domesticate the judgment XXXX but merely served it on a XXXX XXXX Bank branch XXXX who froze my account. XXXX XXXX indicated that the National Banking Act does not require the judgment creditor to domesticate the judgment XXXX in order for them to freeze my account XXXX. I forwarded them information relating to the National Banking Act and how State Debt Collection laws are not preempted. XXXX XXXX ignored my information.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I have a Best Buy and a Home  Depot Card through Citi Bank. Unfortunately on XX/XX/XXXX I was XXXX  with the XXXX. Since then I have struggled with my health and been XXXX  XXXX. I am also a XXXX XXXX XXXX who had to shut down and has been out of work since XXXX as well. I received tons of calls within 2 days after my first EVER missed payment and I told them I had XXXX and to please stop calling 5-10 times a day about the payment because I was deathly ill and couldn't make it right then but will once all this is over and I am able as I have NEVER missed a payment. They offered no assistance and were very rude and shut my card use off completely. IN A TIME OF CRISIS THEY SHUT MY CARDS OFF BECAUSE I WAS LATE ON MY PAYMENT FOR THE FIRST TIME IN ALL THE YEARS IVE HAD THESE CARDS WITH THEM. Since then they have reported to my credit bureaus that I am past due badly damaging my credit rating and also added late fees for XXXX and XXXX now and interest charges as well. I applied on their website for assistance and they denied me. I am appaled this is how they treat their consumers during a global pandemic. Especially one with accounts in good standing until this happened. This is absolutely unacceptable and they need to make this right.
Consumer complaint received 2017-03-19
Product: Credit card — 
Issue: Convenience checks — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycard offered balance transfer and home improvement checks with a promotional low fee rate with deferred payment until XX/XX/2018. I wrote XXXX checks totaling {$5900.00} to contractors. The checks were denied by Barclay for suspicious activity without contacting me prior. Barclay charged my account a {$27.00} fee for " returned check '', which they refuse to reimburse due to their own cancellation of checks they offered us to use. The bank claims the contractors banks could have been the ones who rejected the checks, but offered no proof. The banks are profiting from issuing checks they have no intention of honoring.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a credit card to purchase an XXXX XXXX through XXXX XXXX. I have made payments towards the card, just recently, I was charged accrued interest. This interest is causing financial hardship. My intention was to pay the card off within the alloted time, however, financial hardship prohibited me from doing this. My brother XXXX in 2012 and as a result, our family is sustaining financial hardship. My mother is attempting to remain afloat but the loss of his income has now had an impact on my mothers finances. All savings have been depleted. As a result, I have had to contribute financial support to my mom in order to meet everyday expenses. I have only XXXX credit card and this is with Barclay. I am hoping that Barclay will note that I have made the payments as required and when I have the ability, I pay more than the minimum payment. I would like to continue to maintain my credit card with Barclay and look forward to expanding a financial relationship with them. I am only XXXX years old, but due to the XXXX brother have now had to take on added responsiblities. Any compassion on the part of Barclays would be met with very much gratitude. I honestly did not know that the interest was going to be added or I would have made bigger attempts to pay a larger dollar payment. Thank you again for your understanding of my financial hardship.
Consumer complaint received 2016-09-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Selip & Stylianou, LLP (NY)

A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on this account.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (GA)

Case Description : Brand New Customer and I 've had nothing but horrible customer service and still unable to use my card, ca n't seem to find anyone willing to help. 
I ordered a Wal-Mart Credit Card around XXXX, and after having to have the card re-mailed 2 times, I finally received it on XXXX. I ordered the card specifically to be able to get my children 's layaway out and for no other purpose. I received my card on XXXX, called in and activated my card prior to heading up to Wal-Mart to pay off the layaway. My card never went through and so I had to get out of line to call in and figure out why. After speaking to the representative I was informed that a fraud alert was placed on the account and that I needed to verify some information. I verified with the representative my Name, Address, Phone Number, Social Security Number etc ... They then proceeded to tell me that they were going to send a text message to my cell number, which they did the day I was approved for my card, and several other times prior to with no problem, but for some reason on this particular day, they were not able to verify me with " the same phone number I 've always used and previously been verified on '' in order to remove the fraud restriction and allow me to complete my transaction. Every time I call in, every single representative has been not only rude, but does n't answer questions that you ask, talk over and you can clearly tell that they do not care about Customer Service at all. It logically makes no sense, that a person can verify every single piece of information on their account but not be considered " verified '' b/c of a cell phone number!!!! Especially when I 've previously been verified on the very same cell phone number numerous times before. I also tried giving them XXXX other numbers and they were n't able to use any of them. This situation is beyond frustrating and b/c I have not been able to get a Customer Service Agent on the line willing to help, I had to take this route instead. All I want is for the restriction to be removed so that I can complete my transaction.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I consolidated my student loans to Direct Loans in order to qualify for a loan forgiveness program.  Navient was given my Direct  loans. On  X/XX/2017   , I go to make my first payments and I choose to pay the  XXXX   XXXX , a private loan throug h Navient, a nd  XXXX  of the  XXXX  consolidated loans,  XXXX  amounts :  XXXX  $ and  XXXX   . I  go in to pay the other loan and noticed the loan due date did not advance on the student loan I paid.  Navient had  applied both payments to  XXXX  loan. So, I try working with customer service person to get the payments correctly applied. On  X/XX/17   , I pay the other loan according to what is on their website,  XXXX   . T hey apply the payment to the  XXXX  college loans and had reallocated the first payment incorrectly so I showed a delinquency on the training loan. I fe el Navient is at tempting to prevent borrowers from taking advantage of loan forgiveness programs by manipulating payment histories to reflect non-payment. I feel that the application of payments are contrary to what the borrowers believe are being done, by applying them to whatever loans they feel like instead of what the borrower has, causing borrowers great inconvenience and confusion by having to call to get funds reallocated. Furthermore, on the private loan, the associate and the manager treated me like I was willfully trying to get out of paying my payment when I was trying to figure out why amounts I had paid were not properly allocated. I will admit I was annoyed and rude, but it seems my dealings with Navient are constantly at odds based on how they handle payments and them giving me conflicting information on how to reapply for income driven or income based payment options. I feel Navient uses unfair, deceptive and abusive practices with borrowers.
Consumer complaint received 2016-06-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (LA)

I began the consolidation process with Fed Loan Servicing XXXX XXXX XXXX after XXXX. I called Fed Loan Servicing and spoke with a customer service representative. I asked what my student loan payments would be if I consolidated all of my students loans with XXXX servicing center and was initially told that payments would be between $ XXXX {$400.00}. At the time, I realized that I had many student loans and this would work for me. After completing the paper work, I was sent notification that I qualified for Income Based Repayment and that my payments would be approximately $ XXXX, a little more than I expected, which I accepted. I then received notification from XXXX that I had additional students loans and made arrangements to have those loans consolidated with the other loans through Fed Loan Servicing Center. In the meantime, I put my loans in forbearance and was scheduled to begin payments in XXXX XXXX but realized that my payments had increased from $ XXXX to $ XXXX. After speaking with several customer service representatives and XXXX supervisors, I was told by XXXX, the last supervisor ( ID # XXXX ) with whom I spoke, that the increase was because the servicing center had initially put my loans in the wrong program. I spoke with a customer service representative who admitted this ; however, I do n't think that she was supposed to admit it since I had spoken with XXXX customer service representative and a supervisor before her who did not indicate that a mistake had been made. XXXX admitted it only after I had spoken with her and demanded that she forward me to a supervisor. I was told that I did not qualify for Income Based Repayment because of a {$6000.00} Parent PLUS Loan that was included in the initial consolidation and that my account was put into the Income Contingent Program when the additional loans were added and Fed Loan Servicing recognized their mistake. I did not receive notification of this initial mistake. I did ask that the servicing center choose the lowest payment program in my initial application but would not have agreed to these terms because I can not afford it. I knew the payment would increase but I assumed it would be based on the Income Based Repayment program and that it would not almost double. I have asked if I can appeal the terms of the loan consolidation since Fed Loan Servicing admits they made a mistake and was told there is nothing they can do. They offered to continue to put my loans in forbearance ( every 90 days for 3 years ) until I can afford to pay the $ XXXX. I also asked that this company work on having customer service representatives provide accurate information and was told that they were sorry I had not be given the correct information. I would like to have the Parent PLUS Loan removed from the terms of my consolidation loan so that I can qualify for the Income Based Repayment program on the remaining loans.
Consumer complaint received 2016-06-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

This is the XXXX attempt I have tried, Ok her we go I attended XXXX university 2007. I originally went on a consultation and ended up enrolling with out a high school or G.E.D. I was told that they XXXX can not locate my documents to which my lender requires I 'm getting no help.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

Over five years ago a physician spent 5 minutes diagnosing an XXXX in the XXXX, for which he charged {$5000.00}. The " analysis '' also proved to be incorrect -- a XXXX existed that he did not " find. '' When I disputed the amount and the result, he said that he spent a long time in school and deserved the outrageous charge, and denied the misdiagnosis despite the fact that subsequent XXXX resulted in XXXX and a prolonged recovery. The insurance company subsequently paid him several hundred dollars and he sent me a bill for the co-payment. The remainder of the {$5000.00} charge was likely written off as " bad debt '' on his tax return.
Consumer complaint received 2016-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

I formally request that my 31 Public Service Loan Forgiveness ( PSLF ) qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX. The events leading up to this appeal for my pre-existing qualifying payments be counted towards my existing public service loan application are as follows : Upon my graduation from XXXX and XXXX XXXX XXXX in XXXX XXXX, I called FedLoan Servicing to inquire about loan consolidation and loan repayment options. When I stated my plan to enroll in the PSLF, I was advised by a FedLoan representative that due to my XXXX XXXX loans through XXXX, my FedLoan debt would be disqualified from PSLF eligibility if I consolidated my loans. I followed the FedLoan representative 's advice and proceeded to make separate monthly payments to FedLoan servicing and to XXXX. I have records of my regular payments. 
I worked at XXXX XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX and during this time made 31 qualifying payments under the Income Based Repayment Plan to FedLoan Servicing. I have multiple letters of qualifying employment verification from this period. 
Throughout my employment at XXXX XXXX XXXX, I remained in contact with FedLoan Servicing representatives via telephone and followed the progress of my loan repayment. I have screenshots of the FedLoan website that demonstrate no discernible difference between the loans and their respective PSLF status. 
After learning about the Revised Pay As You Earn Plan, in XXXX XXXX, I called FedLoan Servicing to inquire if I was eligible for this plan. A FedLoan representative informed me that I did qualify, but also recommended I consolidate my FedLoan XXXX my loans to qualify for PSLF. It was only after this discussion that I learned that my XXXX loans originally serviced through XXXX XXXX and taken over by FedLoan in XXXX XXXX did not qualify for PSLF. I immediately followed the FedLoan representative 's advice and re-financed all of my XXXX loans to qualifying loans. I have attached documentation of this consolidation. 
After refinancing my loans, I noticed that FedLoan servicing changed the website to better demonstrate PSLF qualifying payment status. I have screen shots of the revised website. 

In conclusion, beginning in XXXX XXXX, I made 31 payments, but due to a lack of communication by both the website and FedLoan representatives, I did not file the necessary XXXX consolidation paperwork until XXXX XXXX. I formally request that 31 PSLF qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX.