davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (MO)

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/2022 under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00}
Consumer complaint received 2015-05-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

- Continuous harassment - Threats of repossession for a paid for vehicle - Ignored a certified letter requesting XXXX to cease communication - Sent false information to all credit bureaus ; Sent negative information to a credit bureau before sending a bill for that debt - Refuse to correct false information after it become aware of their mistake and have acknowledged their error. 
- Never able to clearly state what was being charged, and why ; never provided a written consistent bill - Refused to deliver a title for a vehicle that is paid for since XX/XX/2010 - Still reports an account as " charged off '' when it has been paid in full for years.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (FL)

I was given a new phone number XXXX/XXXX/16 when I moved. 
New phone number : XXXX Immediately began receiving credit card co calling, Synchrony from XXXX XXXX XXXX. 
Tried to call them, ca n't talk to live person. They state on recording they are Walmart credit. Multiple calls received throughout the day. Pick up the phone unable to talk with a person. Calls for almost 3 weeks. Start at XXXX continue to XXXX.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

I applied for a ge/care credit card to pay for my son XXXX. At the time I applied I was told interest would not be added to this account during the promotional period which would have allowed me to pay the entire balance off as long as I made my minimum payments ( just as I did before ). Before the promotional period was over ge capital retail bank/care credit added an estimated {$1000.00} of interest to this account. I was shocked and stunned when they sent me a statement with this interest dade I then called and spoke to several reps. Trying to resolve the matter they felt it was not right but they could not take the interest off so I therefore attempted to make several more payments until I could not anymore. I knew this was not right and at the time I did not know who to turn to for help about the matter who governed this type of misrepresentation and or fraud from credit card companies. They added interest and will not accurately report to the credit bureau they have me owing XXXX of dollars in which I was almost done paying them until they pulled they stunt and they continued adding interest every month thereafter after the lump sum amount of an estimated {$1000.00}.
Consumer complaint received 2015-08-29
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (TN)

Barclay Card US XXXX XXXX XXXX 's business practices are horrifying. I requested a credit line increase recently and a few hours later was called by a customer service representative to " discuss '' this after being asked several invasive, inappropriate, irrelevant questions, then being lectured on credit use, I was still denied. I was asked questions about accounts that are no longer on my credit report, so he had to have been looking at old notes or something, and he was asking for " reasons '' behind what he described as " situations '', when I told him he snickered, then still denied the increase. I did ask him why it was necessary to ask those questions and he said to see if " the situations changed '', I expressed my opinion that it had nothing to do with the account I was requesting an increase on and he said that was for him to decide, and that he needed to see me be responsible longer and then we could talk about it later ... .as if I was a child. He talked down to me the entire conversation, in fact his tone was combative from the minute I picked up the phone, it was awful and embarrassing. I am not some loser that does n't pay her bills and being treated that way is outrageous!
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (TX)

I have opted out permanently on the FTC site from credit card offers, however I have just received one in the mail. I was hoping either you could help me or you could point me in the direction of who could, in terms of filing a complaint, getting this issuer to stop sending me offers ( they include no opt-out number in the offer ) and finding out how they were able to send me this offer when I 'm opted out. 
Any help you could offer me would be greatly appreciated. 
Thanks.
Consumer complaint received 2016-07-04
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (NJ)

Its Ally Financial Ally Financial XXXX. XXXX XXXX XXXX, MN XXXX. I asked them not to call on Saturday, sundays or holidays. I emailed them this request. They continue to contact me at all times of day, at work on my cell phone. They never sent written notice to me. The system calls automatically, when i answer no one is on the phone nor is the name on the caller ID. When i call back, they ask for personal info before identifying them selves. When i ask where they are calling from, they usually say the XXXX. I recieved XXXX calls today on XXXX. Told the rep it is a federal holiday and not to call as i had previously notifeid them. He replied who cares its not his holiday and he has a job to do. I also informed he was calling my cell phone. He said he does n't care. I informed him he should realize holidays are inconvient times as are weekends and evenings. He stated again he has a job to do. I read him the Fair Collection Act guidelines. I asked to speak with an XXXX speaking rep in the XXXX, he said those offices are closed. Be became abusive stating he would come and have someone take my car today if i did n't pay. Im only 10 days late. XXXX XXXX, 2016. Another rep called 4 times after i told her to stop. i asked to move a payment to the end of a loan due to physical issues. She said OK if i paid a {$490.00} fee to do so
Consumer complaint received 2017-03-04
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IN)

A tenant was attempting to pay rent through the Venmo app. On Thursday XXXX the XXXX, he transferred XXXX {$250.00} payments. I was credited the {$500.00} and after a few days decided to transfer them from the app to my bank account. 

A few days after, the money was still not credited despite being advised that it would take only 2 to 3 business days. When I called to check on the funds, I was notified that the tenant did not have sufficient funds for the transfer to take place, all this after being credited for XXXX separate payments. 

They failed to notify me of the insufficient funds and a today, XXXX the XXXX, I receive a letter stating that I had violated their policy and that my account had been permanently blocked. 

I did nothing wrong, except assume that they had taken out of the tenants account the XXXX {$250.00} payments when they credited my account. 

Because of their carelessness, I am now out on a month 's payment and I action is being taken against me when I pointed out their error. 

They should not have credited my account for XXXX different payments of the tenant could not even afford XXXX.
Consumer complaint received 2016-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (MD)

Collection agency continues to call, after I have written to them ( 1 ) disputing the debt ( the debt is disputed, and no explanation has been provided, despite repeated requests from me for such explanation ), and ( 2 ) telling them that continued contact was prohibited after such written notice of dispute. They call from XXXX different numbers, to both home and cell phones, 4-5 times per day, every day.
Consumer complaint received 2015-11-15
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

I ordered a service from XXXX XXXX, it had created issues with my bank account. I cancelled on the XXXX/XXXX/2015. When checking on my bank account Pay Pal is still attempting to take money from my account which continues to go into the negative {$90.00}. Bank offered me a {$35.00} which is now up to {$90.00}. I spoke with a supervisor at Pay Pal and I was very disappointed with the lack of concern for my account. Continuing to take out money on a cancelled item.
Consumer complaint received 2016-03-01
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Today XXXX/XXXX/2016 at XXXX XXXX XXXX from Ace cash express called my place of work and told my CSR that I needed to come in and pay on my loan I had with them. I got the message and was embarraseed that my personal business was told to my work associate. I thought that the FDCPA protected consumers like myself from issues like this.
Consumer complaint received 2015-11-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

I paid a dept in full and was told that I would receive a written confirmation that the payment was made. After not receiving the confirmation, I have contacted the collection agency numerous times ; they promise to send the confirmation but never do so. Without it, I am fearful that this debt may remain on my credit report. I am also waiting for a loan to be approved from a XXXX XXXX and they will not process the loan until they receive a copy of the written confirmation. I have no confidence that the collection agency will provide me with this document unless they are compelled to do so.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NJ)

I opened a Lowes 0 % credit card because I was doing renovation on my home. I wanted to make large purchases and have an opportunity to take advantage of their 0 % for 6 months offer, as I would be getting several large checks to pay them off. This is the payoff scenario : Purchase Date/Purchase Amount/Balance Left/Exp date of 0 % interest XXXX/XXXX/XXXX / {$620.00} / {$41.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$340.00} / {$37.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$740.00} / {$720.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$3700.00} / {$3400.00} / XXXX XXXX, XXXX I made a payment of {$770.00}, which should have wiped out the first XXXX payments, left the XXXX balance with {$32.00}, and the last balance as is. 

Instead, they spread out my payment ( see below ), and did NOT pay off the soonest expiration date item, and applied a portion of the payment to a balance that isnt even due for 17 months! 
Purchase Date/Amount/Balance Left/Exp date of 0 % interest XXXX/XXXX/XXXX / {$620.00} / {$37.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$340.00} / {$30.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$3700.00} / {$3400.00} / XXXX XXXX, XXXX The Credit Card Accountability, Responsibility and Disclosure Act ( or Credit CARD Act ) of XXXX requires that credit card companies must apply your entire payment, minus the required minimum payment amount, to the highest interest rate balance on your card. That requirement took effect XXXX XXXX, XXXX. I 'd have to assume this would also apply to expiring promotional rate payment allocation. 

I called and complained to Lowes customer service and they reversed the payments and reallocted how the payment is to be paid off. I did see a " footnote '' in their statement, that they will apply payment how they see fit and if the consumer wants to reallocate the payment in a different way, it 's the responsibility of the consumer to read and understand the fine print and call THEM to tell them how to allocate payment. This is deceptive. This credit card company was allocating my payment in THEIR best interest, not mine.
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NY)

EVER SINCE XXXX BANK HAS TAKEN OVER PAYMENT PROCESSING FOR MY BP VISA CARD, WE HAVE BEEN PLAGUED WITH LATE CHARGES. THEY SEEM TO NEED TEN DAYS TO PROCESS A PAYMENT SOMETIMES. I DONT HAVE THIS ISSUE WITH ANY OTHER BANK OR PROCESSOR. THEY JUST SEEM TO FIND REASONS TO CHARGE LATE FEES. THEY ARE CLEARLY SCAMMING PEOPLE. I HAVE CANCELED THIS CARD AND PAYED THE FINAL BALANCE OF {$1900.00}. I HAVE A PRISTINE FICO SCORE. I AM SENDING THE CUT UP CARDS TO XXXX AND BP TO LET THEM KNOW THAT THEY ARE DESTROYING THEIR BRANDS WITH THIS ABUSIVE PRACTICE. PLEASE INVESTIGATE. FOR EVERY LETTER LIKE THIS YOU GET, THEIR ARE PROBABLY XXXX THAT ARE GOING UN-REPORTED.
Consumer complaint received 2015-03-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (AZ)

I took out a loan of {$2500.00} with XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX I began paying {$290.00} per month and continue to make those payment. So far, I have paid back four times the amount I borrowed and continue to make payments.The company constantly changes names form XXXX XXXX to Cash Call. I am having a financial hardship and have made Cash Call aware. I was only able to pay {$140.00} on XX/XX/XXXX payment. The company calls me over ten times a day sometimes as early as XXXX. How can I get out of this situation? Please help me.
Consumer complaint received 2015-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

Case number : XXXX Case Number : XXXX in reference to previous complaint listed above Penn Credit today just sent another demand for payment after no communication of 3 months upon receiving notice and verification that this debt was paid by XXXX services for both XXXX XXXX and National Grid and I am now repaying social services. I had uploaded all relevant documents on your website, Including asking for debt verification from Penn Credit via certified mail.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I have a few issues with the investigation that Equifax did. I sent them a letter stating some errors I saw on my credit report and their response was completely unacceptable. All throughout the letter they state, " We have verified this account as yours or belongs to you. '' never, in any part of my letter to them did I state that the mentioned accounts were not mine. Not only did I point out the errors but I made it clear that I was not disputing that the accounts were mine, only the missing information, and issues with the payment history. I do n't think that Equifax read my complaint at all! I ca n't believe that they would send me such a horrible response, I am genuinely concerned about my credit report and what is being reported on it and it is Equifax responsibility to make sure it is correct. I am demanding these be fixed and my complaint to be read by a real life, breathing, thinking human being so that my voice is heard.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TN)

I contacted Equifax about XXXX judgments that are still showing on my credit reports after multiple disputes and not receiving ANY documents to verify them. i gave the a call and spoke with the call center representative named XXXX. She insisted that Equifax contacted the XXXX XXXX XXXX XXXX to verify the judgments, but was providing false information because I forwarded her a sealed and stamped letter from the courthouse stating that they do NOT in fact verify nor validate information with the credit bureaus and they also DO NOT report information to them. Equifax has parroted my public information from an unknown internet source,, lied to me about where it comes from, and refuses to remove it per the FCRA because it is unverifiable. I 'll attach a copy of the court documents. Please resolve this issue as soon as possible.
Consumer complaint received 2015-09-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NY)

I made an online purchase using my very infrequently used PayPal account. I thought that the charge would immediately come out of my bank account. Instead, PayPal defaulted the amount to their Bill Me Later credit that they extended to me. Looking back at the e-mail account I use for services like PayPal and online retailers, I see they messaged me on XXXX XXXX before they charged me interest and a late fee, but did not message me again when they actually did charge me. I did not receive a message about a statement or the charges until XXXX XXXX when they called me with a pre-recorded message which was after they issued the charges. I have begrudgingly paid the fees since they only amounted to just over XXXX dollars, but the fact that PayPal automatically put the money onto the credit line, without any clear indication that it was doing so is frustrating to say the least.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have been working on an account that is being reported by XXXX. I requested information directly from them asking for validation of the debt. What I received was a letter stating that the account has been sold and that I would need to contact the other company. How can the bureaus validate this if I an unable to and I am the one that is suppose to be responsible? I have disputed this with the bureaus and still have not gotten any type of answer as to how they can validate something that I ca n't.
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

XXXX XXXX, 2015 : I had not received a monthly statement from Seterus. 
*I called to find out-XXXX at Seterus from the toll free contact number and she explained to me that their computer program had changed internally. For the past several years I have been paying extra each month with the overage going to principle only. These payments are made electronically. XXXX 2015 this all changed. 
XXXX XXXX, 2015 : I called again and talked with XXXX and she re-stated the same problem as on the last phone call. 
XXXX XXXX, 2015 : I called again and talked with XXXX and he once again stated they were having computer programing issues. 
XXXX XXXX : I still have not received a XXXX statement. XXXX XXXX again stated they were not able to provide a XXXX 2015. I told her that I was ready to make my XXXX 2015 and wanted the extra amount over the regular payment to be applied to principal only. 
XXXX XXXX, 2015 : I checked my account on line and saw that the XXXX payment was received and the extra funds were not applied to my principal. I called and XXXX said she would look into the problem I have been having and called me back on XXXX XXXX. That did not happen. 
XXXX XXXX, 2015 : I spoke with XXXX XXXX at Seterus and was given the same story from all the previous calls. Each time I requested to speak with a supervisor and was told none were available.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MO)

Equifax credit bureau has reinserted an account that was previously deleted off of my credit report. I have disputed this account with XXXX XXXX XXXX in the past and it was removed/deleted from my credit report. I have disputed this account because they have not sent my documents to show that this account belongs to me. I have attached copies of my credit report showing that it was deleted showing a XXXX balance but then in XX/XX/XXXX Equifax allowed XXXX XXXX to report this account on my credit report again. I have disputed this account twice with Equifax and they have sent me a response that this account is proven to be mine. Equifax nor XXXX XXXX XXXX have sent me any information as requested to show this account belongs to me. I have not got any notices in regards to this account. I have obtained an attorney to dispute/investigate this account and by law the account should not be reporting a balance or negatively against me while in investigation. Please have Equifax remove this account from my credit report and correct the errors that have been placed on my credit report.
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I had disputed a bankruptcy that has appeared on my credit report. Today XX/XX/XXXX I called eqiifax regarding the outcome of the investigation since its been over a year. There response was it was still under investigation, So I questioned the CSR do you abide by the the laws set-forth under the fair credit reporting act. The CSR response was yes. So my answer was to him under the fair credit reporting act its been over a year it need to be removed because it was not verified. Again his response was its under investigation. This is the issue at hand and needs to be resolved its like they are above the laws set forth under the fair credit reporting act.
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (OR)

I am a member of XXXX. I noticed that my Equifax credit score dropped XXXX points in the last week. This did n't make sense to me since I just paid substantially on XXXX credit cards lowering my credit utilization from XXXX % to XXXX %. When I contacted Equifax to tell them they miscalculated my score they refused to give me any information or look over the score for an error.