davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (LA)

PURCHASED MATTRESS AND WAS NOT TOLD ABOUT PROMOTIONAL PERIOD IT ENDED XX/XX/2017 I OWE {$390.00} ON PURCHASE AND NOW XX/XX/XXXX HAVE BEEN TOLD THAT I OWE AN ADDITIONAL {$300.00} I AM PREPARED TO PAY OFF PURCHASE BUT FEEL I HAVE BEEN DEFRAUDED TO PAY ADDITIONAL MONEY I AM ELDERLY ON A FIXED INCOME XXXX SYNCHRONY BAK
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (DC)

The Barclay 's MasterCard card benefits available to me when I signed up this XXXX 2015 contained a 90 day purchase protection warranty up to {$1000.00} per claim. I have the paper documentation to prove this. I purchased about {$1500.00} of merchandise across several receipts ( over several different dates and stores ) that was stolen before the XXXX period expired. I called the number that I was told to call, and filed a report. I was told that my bank had listed the benefit to a max of {$500.00} per claim. That could n't be right, because when I log into my online account and download the PDF of my card 's benefits, it also says the same {$1000.00} max. Later, on a separate call, I was told by the card 's benefit contractor ( XXXX ) that I needed to file separate claims for each receipt containing XXXX items, I spent hours doing so, but that 's fine because it 's worth it to get all my money back. At the very least, they would get the smaller claims paid to while we argued over the cap on the XXXX large claim over {$500.00}. I called Barclay 's, and spoke with XXXX who confirmed that my information was correct -- that the cap was {$1000.00}. She started a conference call with their contractor to tell them the confirmed amount, that I was right, it was for a max of {$1000.00} per claim, which that combined with the other claims would make me whole. However, XXXX at the Contractor contacted me and told me that his colleagues had spoken with Barclay 's and that they had told them that their information, $ XXXX/max was correct, and that no matter what they had told me earlier ( to file separate claims ) they were likely going to combine all the claims I was told to file into XXXX claim, and that if I had a problem with that, I could call the Barclays. As stated above, I told him to look in his file for the call on Monday. Thankfully, they had this three-way call in their notes, but XXXX with XXXX could not tell me who I needed to call or ask for at Barclay 's, meaning I would be in the same runaround. Clearly, someone at Barclay 's is at fault for XXXX team not accurately reporting my benefits to XXXX, and XXXX is at fault for 1 ) not defining the scope of a claim in their card benefits fine print 2 ) fraudulently telling me to file XXXX claims at XXXX time knowing the situation full-well, even though they later told me they might combine into XXXX claim, despite numerous purchases, each under the {$1000.00} limit and XXXX me over in the process out of several hundred dollars. All told, between both of their mistakes, I 'm out around {$1000.00} for purchases that according to all documentation I have ever been provided ( again had this card around 3 months ) I should have reimbursed to me.
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL (AZ)

Applied for a lowes credit card on XXXX XXXX 2015 and was not approved online. I filed a complaint with the XXXX against Lowes and was contacted by Lowes executive department. They said that they would contact the bank and said that synchrony would contact me within 30 days. Nearly a month passed by and I heard nothing I was supposed to get a response from lowes in regards to my credit application within 7-10 days but I did not hear anything from them until the XXXX of XXXX. They declined my application but the issue was that it to them more than 2 weeks just to tell me that. And the biggest issue here is that when the denied me they provided me with my credit score which they stated according to XXXX was a XXXX on XXXX XXXX. That is incorrect and wrong that XXXX would report a lower credit score to decline an application. I have verified through credit karma and credit tracker through my current score is in the high XXXX 's around XXXX according to XXXX. I asked the Lowes executive office numerous times that they need to get a response from synchrony and I did not hear anything from them until last week when I got a letter in the mail that had my correct address on it but the time stamp blacked out in crayon in the front and back. It is very suspicious that they would do something like this and falsely report my credit score nearly XXXX points lower than what it actually is.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (GA)

hello this is a continuing problem we had with this bank and this company we field complain after complain about them and nothing is being done we had problem with the items we purchased from pep boys there way of fixing was we owe XXXX out of which XXXX are late fees we iformed them of our situation and where promised that late fees will be taken off the still reported us late to credit agency
Consumer complaint received 2022-10-02
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. (IN)

A debt that originated and closed in XXXX was re-reported to my credit by a furnisher with a false open date of XXXX and a false status of " open '' I notified Equifax by dispute and instead of investigating, Equifax allowed a false report to remain on my credit after it had more than sufficient information to verify the reporting agency XXXX XXXX XXXX was falsely reporting an open date of XXXX, when it was actually XXXX. 

I provided this same information to XXXX XXXX, who, properly investigated and removed the account because it was clear this collection agency was providing false and fraudulent information to get around the FCRA 7.5 year reporting requirement.

Equifax had an obligation under the FCRA to investigate and reinvestigate and it ignored its duties.

Under FCRA 611 ( a ) ( 1 ) ( B ) -- the CRA must review and consider all relevant information submitted by the consumer. I provided the information necessary for it to confirm my dispute was accurate and this reported collection agency was illegally changing the 'open date ' to suffice FCRA reporting requirements.

I provided Equifax with a dispute regarding an out of statute account being reported with a false date of XXXX when the debt was originated and written off in XXXX. 

Equifax could easily verify this information, like XXXX XXXX did before it removed the information from my report. 

But Equifax was made aware this debt was out of statute and it ignored additional dispute information. It failed to investigate the claim. 

Equifax have caused significant damage to my credit by willfully violating federal consumer credit reporting laws. This out of statute and false report needs to be immediately removed from my credit. 

Background : XXXX XXXX XXXX obtained an out of statute debt originated in XXXX and written off in XXXX, more than seven and a half years have passed which precludes the creditor and any collection agencies from reporting it to my credit bureau. Under the FCRA 15 U.S.C. 1681c -- - an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. More than 7.5 years have passed. That being said, XXXX KNOWINGLY and FALSELY reported the " open date ' of the account as XX/XX/XXXX. This is an outright lie. An intentional lie. A willful lie. An outrageously ILLEGAL lie. I disputed the fraudulent lie through XXXX and equifax. XXXX removed the false fraudulent report. Equifax ignored its duties and allowed the fraudulent illegal report to remain. 

The FCRA provides for maximum penalties of {$4300.00} **per violation** in the case of lawsuits brought by the FTC. I strongly urge the FTC to reinvestigate this already failed credit reporting agency.
Consumer complaint received 2016-01-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BOK FINANCIAL CORP (AZ)

Bank of Arizona N.A. made an unauthorized debit to my business savings account. The below message was on the account. I called and told them that there was no authorization for the debit and asked that they stop the transaction because it was still pending and it may be fraud. They refused to stop the transaction and the line went dead while I was on hold. 

Pending DEBIT ADJUSTMENT XXXX {$100000.00}
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (OH)

XXXX sold my mortgage to BSI 8 months ago. I was working on a loan modification with XXXX before they sold my mortgage which was quite time consuming. Then the nightmare of switching companies began. I never received anything from BSI until XX/XX/XXXX. They gave no real information just sent a generic letter saying send money thru XXXX XXXX. I immediately thought this is a scam. After a lot of work on my part I was able to talk to someone at BSI about my loan and XXXX XXXX is who I spoke with and she sent out information. She told me how they were going to help me modification will be speedy process. 

Now it is XX/XX/XXXX and I send all the paperwork in to her and then she tells me I need to send more or it will be rejected by XX/XX/2015 I send everything in before that date and they have it. I get a call saying it is be reviewed by the investors and I will know in 30 days. I hear nothing from them so I call my point of contact XXXX XXXX who tells me I never sent the paperwork in. I tell her I did and received a call. She tells me I am wrong then places me on hold. When she returns she states I was correct and she has the information and will send me out a form confirming she has it. I told her your date will be past the due date and she stated it was just to confirm she had everything from me. On XXXX XXXX I received a call from a seperate department telling me my payment was late and my request was declined. I told the person I was talking to that I had no notification of this and she said XXXX is going to mail it out to you. On Monday XXXX XXXX there was a XXXX envelope with the letter inside and another one saying I will be charge a late fee for my mortgage. My payment was not late and I called leaving a very nasty message. XXXX XXXX called me at XXXX stating she was wrong to send that and that my account has never been late verbally but nothing in writing. I was told I have until XXXX XXXX to dispute their finding. I think it is funny that they give you a week but never do what they promise. They said no because they are using Gross Income and not our Net Income. 

We just want our payment lowered so we can buy food to eat really the XXXX payment has our DTI at XXXX % but they are using the Gross Income of XXXX % to say we are fine. This is not the case.
Consumer complaint received 2020-04-17
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: CITIBANK, N.A. (WA)

On XX/XX/XXXX, I booked a flight for my family using Citi XXXX points. The flight was originally scheduled for XX/XX/XXXX. It is Trip ID : XXXX. At some point, the flight was cancelled due to COVID-19. On multiple occasions, i have attempted to cancel the flight via Citi XXXX, both by phone and online. As of right now, I have been on hold for over 1.5 hours, to no avail.
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NY)

On XXXX XXXX I opened a checking account at M & T Bank. This account was supposed to include a {$200.00} bonus at the end of 90 days with direct deposit. After XXXX emails and a phone call I was sent an email on XXXX that I would be receiving {$200.00} in my account on or before XXXX. I never received the bonus so I sent another email. On XXXX, XXXX, I received anther email that they were looking into the matter. They are clearly stalling and I suspect fraud. I am sick of this back and forth stall. I want this settled now.
Consumer complaint received 2016-08-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (AL)

I subscribe to XXXX XXXX XXXX XXXX and received a notice that AR Resources had sent non-payment claims to both XXXX and XXXX. When I called AR Resources to find out what this was about, I was treated with complete disrespect. After making several inquiries, I was finally told that XXXX XXXX XXXX had turned over my account to them. AR Resources refused to provide contact information for their client. They insisted that I would have to " google '' their client in hopes of contacting them. 
When I contacted XXXX XXXX XXXX, they advised that they did not have a mailing address for me and rather than trying to locate it, they simply turned it over to collections. I asked them how I was expected to pay a bill that they never sent. They agreed that it would be impossible to do so.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (MO)

While client and husband were married, husband took out a mortgage loan in XXXX from National City Mortgage ( n/k/a PNC Bank ). The loan is evidenced by a Note signed by the husband and deed of trust signed by my client and her then husband on the home which they owned as tenants by the entirety. My client and her husband were divorced in XXXX XXXX. As part of the divorce decree, my client was awarded the home. But the divorce decree also requires her to assume the mortgage loan. My client has tried to find out the status of the loan but PNC will not talk with her even though she has sent them copies of the divorce decree and is now the sole owner of the property. She has been making mortgage payments since XXXX XXXX, XXXX but has no idea whether PNC has been applying her payments to the loan because PNC wo n't talk to her or send her bank statements. Recently, she heard from a third party that PNC has been returning all of her payments to her ex husband. She can not confirm whether this is true because PNC wo n't tell her anything about the loan and her ex husband wo n't tell her. She is reluctant to send in another monthly payment if PNC is simply going to send it to her ex husband. At the same time, she fears that if she does n't send the payment, PNC may declare a default. My client needs complete information about the application of her payments and a borrower response package so that she can apply for a contemporaneous loan assumption and modification.
Consumer complaint received 2015-05-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (MO)

Hi, my mortgage is held by Flagstar Bank. 
My payment is due on the first of every month. I have ( without fail ) payed this on time every single month via their online payment system. 
They recently changed their site security settings, and I am unable to access their site under any circumstances. I have tried 2 separate browsers, tried multiple security levels ( even completely turned off ). They still wo n't let me access my personal account information. You also ca n't do any kind of password resets or username lookups without having your loan number valid. 
That 's not something I keep handy. I do n't keep paper statements. They are all right there nice and " handy '' on their website. Except they are not now. 
I 've spent over 2 hours this evening attempting to log onto their website just to pay my darned mortgage. This is extremely unreasonable. The website suggests calling their 24-hour hotline if any issues -- but it 's not 24 hour with the customer service representatives. Just a touch button system that requires -- you got it -- your mortgage loan number ; which if you remember correctly I stated I do n't keep a copy of. 
This kind of service for someone just trying to pay their bill is ridiculous, and something needs to be done.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (VA)

ECMC is reporting 4 student loans as 120 days late when the accounts have been in default status for years making it look like they are new accounts. They also are unable to provide original promissory notes because they told me they acquired the accounts from XXXX. They also are guilty of re-aging the accounts several times within a 30 day timeframe on purpose, changing the status of the accounts from charged off, closed, and 120 days late multiple times which has resulted in my credit scores falling XXXX points. This is FRAUD.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (WA)

I have used PayPal for years, with my charges being deducted from my bank account. I enjoy the convenience of PayPal while shopping online without having to enter my credit card number for each transaction. 
Earlier this year I began receiving emails saying I owe PayPay Credit money. I never knowingly applied for credit with PayPal. I called right away and settled the account, asked it to be closed, and also asked how I ended up with a credit line from them. They were unable to provide a good explanation on how the account was open. 
I have since received more emails saying I owe an additional balance. I assumed it was an error until I received a collection call today. The collectors were rude and demanding. It turns out that I did make purchases that I thought would be coming out of my bank account, as they had before, but instead ended up on a credit line that I had previously closed. I settled the amount of my original charges after finally getting the collector to waive late fees and finance charges. My biggest concern ( besides getting called at work on an account that should never have existed ) is that I still do not know how I ended up with a PayPal credit line, and that others may end up in the same situation. I am responsible enough with my debts to know what I owe and what I do n't. My fear is that others who are less diligent will have accounts open and accrue late charges and interest without ever meaning to. In my opinion PayPal credit was deceptive, if not fraudulent, in how I got a line of credit in the first place. Practices such as this should not be allowed. Now I ca n't use the convenience of PayPal for fear that the charges will again end up as a debt instead of coming out of my bank account.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Paypal Holdings, Inc (MD)

ON XXXX XXXX 2016 I SUBMITTED AN OFFICIAL CHECK REQUEST ONLINE TO XXXX FOR XXXX $ TO BE MAILED TO PAYPAL CREDIT. THE CHECK WAS MAILED ON THE SAME DAY AND CASHED BY PAYPAL CREDIT AROUND XXXX XXXX 2016. I WAS FAXED A COPY OF BOTH SIDES OF THE CHECK THAT WAS MAILED FROM XXXX. IVE HAD XXXX CHECK RESEARCH REQUESTS SUBMITTED AND " COMPLETED '' BY PAYPAL AND THE XXXX $ HAS NOT BEEN APPLIED TO MY ACCOUNT BALANCE. I 'M CONTINUING TO COMMUNICATE MY ISSUE WITH THE COMPANY AS THIS TIME, AND WILL ALSO BE REPORTING PAYPAL TO THE XXXX. I HAVE CLOSED MY PAYPAL ACCOUNT AND WILL PAY THE REMAINING BALANCE DUE.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Arbitration — 
Company: Paypal Holdings, Inc (WI)

I was given promotional 0 % rates with deferred interest if paid within 6 months on multiple purchases with PayPal Credit. An amount of {$810.00} needed to be paid by XXXX XXXX, 2016 to avoid the deferred interest of {$120.00}. Unfortunately I became quite sick XX/XX/XXXX and made the mistake of not making the payment due on XXXX XXXX to avoid the deferred interest. I made the payment of {$810.00} XXXX XXXX, 2016 when I realized I had forgot to ma me the payment. I check the most recent statement and notice they had charged me the {$120.00} in deferred interest. I called and spoke to a supervisor and they informed me that if I faxed a request to reverse the deferred interest to their corporate center, they would consider doing so. I faxed a request to reverse the deferred interest on XXXX XXXX, 2016 for which I received an email on XXXX XXXX 2016 acknowledging the receipt of said fax at XXXX, and then another email that morning at XXXX on XXXX XXXX, 2016 indicating " The fee waiver request that was submitted has been completed. '' this email did not include the decision and based on the sentence above it seemed as the request was approved. I waited 48 hours to check my account and see if the reversal had been process and to this day, XXXX XXXX, 2016 it was not. I proceeded to call and speak to another supervisor on XXXX XXXX, 2016 and explained how the email was confusing and they informed me that my request was not approved. I explained how could I know what the status of the request was as I was not emailed, mailed or received a phone call. 

I have an impeccable history with PayPal credit, never missing a single payment and paying off every promotional rate purchases when they are do, so I feel they are exerting and undue burden upon me, especially since I immediately made the payment in full when I realized my error. I feel these are predatory lending techniques, not giving any consideration to an exception, considering the circumstances, and it 's amazing they would rather have {$120.00} than keep my business.
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

Proof never received and I made many attempts to settle and pay half and payment was returned to me after they agreed to accept it. I disputed from the start and this is on my credit report. Florida statutes state that I am entitled to proof of the fees and issues. I am being charged appox. {$200.00} interest on a disputed collection account. I moved out of the apartment and was charged for water drip marks under the stove top, XXXX approx. {$40.00}, cleaning bathroom counter ( approx. {$40.00} XXXX {$600.00} for carpet cleaning. I asked to provide proof of expenses and issues they are claiming. I have pictures that show I left it in " clean '' condition and carpet cleaning was done by me prior.