davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (CA)

I used Care Credit several years ago to pay for dental work. Since then, I 've had to call them several times to report " erroneous '' fees applied to my account. After paying off my account this past XXXX, I asked them to remove me entirely from their system. However, most recently I received a Care Credit XXXX that I never requested. When I called to complain, they said I had received a mailing saying that I had been prequalified and that I needed to " opt out '' if I did n't want the card. The customer service person ( XXXX, employee number XXXX ) told me that the card was issued because I did n't opt out even though I was given " plenty of time to do so. '' Given that I receive " pre qualified '' notices all the time, this seems incredibly deceptive. I am willing to take whatever steps or provide whatever information I can to stop this company ( the representative said Synchrony bank issued the card ) from scamming other customers.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (AZ)

For about XXXX6 years I have had multiple accounts with Conns XXXX XXXX. NEVER once have I ever missed a payment on any of my accounts during all these years. In XXXX 2015 I was late due to holidays and financial struggles. I am at the time in my life to become a first time home buyer and live the american dream. The 30 day late from conns reporting is preventing me from getting special programs i can be eligble to become a homeowner. I submitted a request for a goodwill adjustment to remove the negative reporting due to me being such a good customer out of all these years and having only XXXX late. I really want to become a homeowner and am requesting they remove this XXXXlate payment from credit reporting to all XXXX credit agencys. I am a good customer and deserve this.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

I received a CareCredit credit card in the mail. I have never heard of this company and have never applied for credit with them. The account, which I did not authorize, was in my name and had an {$18000.00} credit limit. The account had all of my personal information, including my social security number, physical and mailing address. When I called, I asked to be transferred to Fraud. The supervisor in fraud was nice but would not tell me how they received an application with my name on it. I would like to know how this happened specifically ; Was it an online application? Was it a paper application? Was it done by an employee of this company? I 'd like to know so I can protect myself from this happening again. 

I now have to notify the credit reporting agencies of potential fraud and have any new accounts blocked. This will undoubtedly mess up my ability to receive the best pricing options in the future on purchases.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (RI)

I had XXXX " miles '' on my XXXX card issued by Barclays Bank , also known as Barclaycard , when they suddenly closed my account without notice and for no apparent reason. ( See Exhibit A ) When I called to inquire, the rep could n't figure out why, but said there is nothing he can do about it. 
It seems like a deceptive business practice to tell me I can earn and redeem " miles '' then just close my account out of the blue without compensating me for the value of the rewards that I earned. 
What Barclays Bank calls " miles '' are rewards redeemable at a rate of XXXX cent each for travel expenses charged to the card, with 10 % of them being returned to the " miles '' balance. As you can see from Exhibit B, their website promises : " Redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption. " Thus, the value of XXXX " miles '' would be {$1200.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which I could then use for another redemption of {$120.00}, making the total value after just XXXX redemptions {$1400.00}. 
It seems deceptive that Barclays Bank would encourage customers to earn these " miles '' and then close an account without notice or reasonable cause. 
I have been an excellent customer. My FICO score has ranged between XXXX and XXXX over the past year, according to Barclaycard itself. 
I have never made a late payment, nor had a bounced payment. In fact, I generally have paid early ; Barclays Bank sends out emails, starting off " Why wait? Make a payment now '' encouraging early payments before the due date. 
Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as by offering XXXX ( XXXX extra points per dollar spent ) by buying XXXX XXXX XXXX XXXX through their Barclays RewardsBoost online shopping portal. ( See Exhibit C ) I have done that. 
I 've been deliberately trying to earn " miles '', and as shown in Exhibit D, Barclays Bank claims repeatedly that there is " no limit ''. 
It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, then pull the rug out from under me. 
Their website touts " 300 years of experience has taught us a thing or XXXX about financial services. '' It seems like whenever Barclays Bank is in the news, it 's for some sort of deceptive practices or fraud - apparently they think have become very proficient in that sort of thing. 
I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NJ)

There was no constructive notice of any money owed to the XXXX XXXX that I moved from in XXXX. All final payments were satisfied. I learned that I had a new collection in my name last week from the XXXX website credit alert. I paid the collection of {$300.00} to resolve any long term problems.
Consumer complaint received 2015-06-26
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Big Picture Loans, LLC (VA)

XXXX XXXX was employed by Castle Payday to collect a payday loan debt from me. As an aside, this loan was taken out by an identity thief. XXXX XXXX contacted me using automated voice messages for several months. They called as many as XXXX times in XXXX day. They called from numerous different phone numbers in different area codes. They also contacted my family members. Occasionally a live person contacted me, but the conversation ended when it started as they asked me to verify information about my identity.
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I opted out of overdraft coverage and have been told that no items would go through and charge me overdraft fees. I was charged XXXX over draft fees this month due to Regions Bank allowing me to overdraft my account. I called and found out that they can only refund {$18.00} of the overdraft fees. It seems to me that they want me to keep over drafting to pad their fee income. I would told that my line of credit I have with The bank that if I did overdraft it would pull from my line of credit, I was lied two about both of these items. I believe CFPB should look into Regions Bank handling of overdraft fees, specially why they allow for these lies to happen. Please help, XXXX over draft fees to the bank is nothing but for me on a fixed income it means the difference of my car being paid.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Synovus Bank (FL)

I applied for a secured credit card in XX/XX/XXXX First Progress Mastercard. I was approved and they have a program where a consumer can expedite recieving their card and fund the card within 90 days of receiving the card ... for a cost of {$29.00}, which i paid. The only thing i have received are emails and text messages letting me know that my time limit to fund is about to end. It is XX/XX/2017 and i have yet to see a card, i called First Progress and spoke to a customer service representative named XXXX, whose only concern seemed to be me giving them money to fund, before the time limit ends on XX/XX/2017, a card whch i have not received. I told him that i would not be funding anything and that i would filing complaints with the better business bureau. A friend told me of this agency so i decided to file a cpmplaint hete as well. In my opinion, this company is ripping people off and committing fraud.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (CA)

There is one account on my credit that is not mine I need this off my credit report since it does not belong to me in any shape or form I have not applied signed or used an account like this. 

XXXX/XXXX - XXXX
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

Since this   XXXX  /Navient loan started, the interest rate is high, balances are not going down, they never told us about repayment options, only forbearance and deferments that add more interest to the loan. W hen one of those pe riods end, the payments always more than double. The original loan was for {$15000.00}, the current balance is {$26000.00} and in 2 years it will be {$35000.00}. The money comes directly out of our checking account every month. Because this is a  Parent Plus loan, they w o n't even discuss moving this loan to our son whose loan it really is. In   XX/XX/XXXX ,  my husband was laid off an d 2 weeks later had a   XXXX   XXXX . We had to do a deferment/forbearance. My husband did recover and obtained a new job making only about 60 % of the salary he used to make. The payment went up after that. We filed Bankruptcy i n  XX/XX/XXXX  and could not get this discharged. On  XX/XX/XXXX , mu hus band had his  XXXX   XXXX . He is currently on   XXXX   XXXX    XXXX  and not sure if he 'll have a job to go back to. We received notice fro m Navient that the  payment was going from {$210.00} to {$460.00} a month at the beginning  of  XX/XX/XXXX . I arg ued with them for quite a while and did get it lowered to {$210.00}. But in 2 years that Payment is going up to {$630.00}. I am  XXXX  and have not been able to get full time employment and work as an   XXXX   XXXX  . My husband is  XXXX  and we have no idea if or when he will recover from this  XXXX . We just need this to go away. All  XXXX  of my children have incurred loans of  $   XXXX   or  more PER YEAR. The totals are ove r $ 100K t hat they each owe. Something needs to be done. There ar e  XXXX  other Parent Plus loans ( because that 's all that the colleges accept anymore ), but with differ ent companies and they are a small bit easier to work with. There needs to be some protections in place for all the Seniors that are getting stuck with these loans. We live in Illinois and hope we can be part of the law suit against  Navient. Because of the  XXXX , we are currently losing our home as well. When I explained that to Navient, they still did n't want to work with us. We ca n't afford this loan.
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

On XXXX/XXXX/2015 I requested debt validation from Enhanced Recovery and still have not received any evidence that this debt is either legitimate or belonging to me. I also disputed this with the credit bureaus and they conducted an investigation and stated Enhanced Recovery verified the debt, which is absurd that they verify a debt to a credit reporting agency and not to me, the consumer.
Consumer complaint received 2016-06-02
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP (GA)

My debt situation is here with Apex Finance here in XXXX, Ga., I do admit I 've fallen behind in payments due to a financial crisis in the last year do to lack of income and divorce proceedings. When I got the loan my soon to be ex-husband abandoned us leaving debt which I had to cover and open up utilities in my yet pay his off before doing so on limited income. Therefore leaving me no choice but to apply for hardship with Apex Finance where my payments went from {$75.00} a month to half the amount being {$37.00} to be paid on the XXXX of each month. Yesterday on XXXX an agent approached my door that afternoon to collect unannounced and said she was sent by her boss XXXX to get a payment. I live in a XXXXwhere XXXX is vacant therefore she preceded to ask if I were moving. No response. Than she said while looking back I saw the for rent sign there still no response, cause I 'm thinking why would that concern you you 're here to collect. So she told eventually she came for a payment. I said I 'll call and talk to XXXX about my situation, that was n't enough so she offered her phone so O could tak in front of her, ( harassment with no respect or privacy ). Once the cal was proceeded another agent answered, she handed me her phone she 's come to my house very unprofessional and very loud spoken where she intentionally would disturb the neighbors. In all this, the conversation she began asking where did my money go I just got this month? To go back, I 'm the overseer for my son 's XXXX okay? At that time she put her boss ( XXXX ) on the whom I already asked to speak with in the beginning.Things went sour from therefore he went unprofessional, ghetto, dominant, threats of coming to get some collateral you name it. Spoke of threatening to take my hardship away and give to someone else because he felt like I was abusing it. He said I know you have plenty because you 're divorced, and a son ( my ex have no kids together ) how do you pay your other bills?, Cable is not a necessity but I know you have it! My response '' no I do not. Then he proceeded to say, well where 's my property? If you do n't come in and pay me Friday I will personally come get it and sell it in my office! Do whatever you can to get me my money by that day! I 'm tired of sending my agents to you, it 's costing me and my company money for mileage just do what I told you! I told him he 's in my personal business, this is suppose to be strictly about business. Why are you so aggressive in speaking to me like this? He said because I told him he 's getting too personal. I then said I 'm not your child nor are you my slaverowner and do n't address me in that matter again, have a nice day. Then handed her phone back.
Consumer complaint received 2016-06-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (CA)

hello my name is XXXX XXXX, my complaint is that I got a loan for {$2600.00} with cash call, is been a year of paying {$290.00} and is always the same amount, I am so desperate.
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

The company keeps calling stating I 'm late XXXX payments which Equals over {$450.00}. I keep requesting to have a lower monthly payment and in order to do so each month they keep requesting a full payment, and then the next month continue with the same sequence. I can not afford {$160.00} a month at this time. It 's frustrating and scary to think I may lose my credit due to student loans my parents took out for me when I was n't old enough to understand the consequences.
Consumer complaint received 2016-05-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Helm Associates (PA)

I purchased the vehicle through B & B Automotive. Within the first 24 hours i had nothing but issues. So bad the car was taken back and put in the shop for 24 hours. From that point on i have nothing but problems with my car. It was in and out of the shop 8 times within 30 days. Within my rights as a consumer they had told me that i could return the car for another car because that car was considered a " Lemon '' but i could n't put it through the Lemon Law Act because it was a 2005. At this point they picked up my car and reported that i turned it in voluntarily. Which was not the case.
Consumer complaint received 2016-11-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (FL)

We have been denied the opportunity to even apply for modification programs which will allow us to retain our home. Our first modification attempt was 8 years ago when we were told that we do not qualify as our loan was current. Then we had the loan go not current at the end of a 5 year high interst interest only ballon mortgage term in the height of the mortgae crisis to qualify for moertgage modification to be told that modification was not an option only foreclosure ( at this time no one was underwriting mortgages ). Since our first attempt, BB & T has rejected all modification applications as well as modification is not applicable to us and only offered us a short sale option as they claim that the loan is investor owned. 
But the FDIC research department tell us that BB & T owned the loan not investors. BB & T claims that they NEVER owned the loan and that it was ALWAYS owned by a trust that is owned by investors. Our records show that XXXX and then BB & T owned the loan. See attached documents : - 1 ) Letter from the FDIC ressearch department about ownersip of the loan 2 ) Court filings from BB & T saying that they bought the note through the FDIC receiversip from XXXX XXXX, not that BB & T is assuming the role of servicer of the note that is owned by someone else 3 ) Letter from BB & T saying that they never ever owned the note but a group of investors via a trust. 
Our records and that of the FDIC says that BB & T owns the loan which does not disqualify us to be able to apply for all BB & T inhouse and all federal modification programs. So we want to able to apply for all BB & T inhouse and all federal modification programs and have our application fairly considerred by BB & T. We have always lived in the house and have the income to qualify for these programs.
Consumer complaint received 2022-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I have been submitting documents to MOHELA since XXXX XXXX XXXX They are blatantly lying and dragging their feet. I have talked to them on the phone. I have pointed out where they are rejecting my forms and deliberately stating falsehood. I have sent them documents and highlighted where they are not telling the truth. They are claiming my employment end date is before my employment begin date. I have resubmitted forms using different fonts and have had employers fill out forms a second time and MOHELA still lies.
Consumer complaint received 2015-09-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Machol & Johannes, LLC (CO)

This dept collector Organization acquired a judgment order from XXXX court Colorado - stating ... Failure to appear judgment in favor of this debt collector- from what the dept collection organization provided for them that I owed someplace around {$2000.00} plus {$3000.00} in extra fees ... This debt collector organization also said that they had served me a notice to appear ... And when I asked him to give me a description of who they served it was totally not me ... They describe the person they served as XXXX, and approximately XXXX years old in which I am neither - not even close ... They said this judgment order was legal document to my bank - XXXX XXXX - The bank verified it been a order then put a freeze on my bank account & within a few days {$5000.00} was taken out of my account ... and within one week the money was completely gone ... I called the bank and all they could tell me is to call the deck collector in which they Gave me the number, in which I called only to get a answer machine. When the money was lifted out of my account by the collector ... Then I received a letter notifying me of the court order and that I still owed a XXXX totaling around XXXX XXXX XXXX XXXX dollars. After calling the dept collector to get the information on the reasons for this debt they described at that time they served A gentleman at XXXX years of age -approximately ... I said well that was n't me and they said well that 's the last place we have any information on you and for the courts that 's good enough ... I asked him who I supposedly owed the money to make stated XXXX ... I have never done any business with the XXXX. So as it stands my money is gone ... I was never was served to appear in court ... And I have no documents for this money being loaned to me or whatever to date ... I 've tried to get the information on it and the only thing they can say is that all information provided over the phone will be used against me ... so I 'm reluctant to give them any information since they seem to me to be crooks - not to be trusted ... My bank says that they had a legal order ... So how do I find out what this original {$2000.00} this debt collection organization they said I owed is all about.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC (WA)

I had purchased windows financed through XXXX XXXX Bank for the amount of {$10000.00} around XXXX. I made payments, until the economy started collapsing, my daughter lost her job and I was trying to support XXXX households, so I made sporadic payments when I could, knowing this was a legitimate debt that I owed, even though the home had been foreclose on, it was still my responsibility to pay. I received in XX/XX/XXXX what was presented as a summons for a lawsuit filed in Washington State XXXX Court as an attempt to collect a debt, from Machol & Johannes , LLC. The date to respond had passed before I received it. There is no court stamp. However, since I did owe the debt, I called them, and we set up payment arrangements. The balance owed was {$11000.00}, plus interest, and costs of the action, etc. I spoke to XXXX XXXX and was told that if I started paying immediately, no finance charges would accrue. The amount now owed was {$13000.00} I have been paying on this account since then, there have been some missed payments, however I made them up with double payments. Each time my records show I am close to payoff and I call them, now speaking to XXXX XXXX, the payoff amount is usually double or triple what I think it should be. I have as of this date paid a total of {$16000.00}. Not counting the amount paid to the original loan holder. I 'm now told that I my payoff balance as of XXXX XXXX is {$6800.00}.