davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC (FL)

we have a closed case with this company already however upon checking there was a Loan Renewal dated XX/XX/2018 I did NOT Authorize & it is pending for {$650.00} and starts XX/XX/2018 now i spoke briefly with Company on XX/XX/XXXX phone call & asked about the loan they stated they rec Complaint & had stopped ACH withdraws from my account but THEN stated I still OWED them XXXX come XX/XX/2018 there better not be any withdraws from my account as they stated they stopped it Loan Application Application Number : XXXX Loan Type : Renewal Loan Status : Pending Application Application Date : XX/XX/2018 XXXX Loan Amount : {$650.00} Total Amount Due : {$0.00} Due Date : XX/XX/2018 this is from there website and that is under My name & Social Security number
Consumer complaint received 2016-12-14
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: SYNCHRONY FINANCIAL (PA)

Our firm, XXXX XXXX , XXXX has sent to Synchrony Bank, d/b/a Old Navy Visa, on behalf of our client, the appropriate Cease and Desist letter and POA. 

The bank has confirmed receipt of the POA and CAD letter on XXXX XXXX, 2016 and continue to contact our client up to 7 times a day, since XXXX 2016 to current.
Consumer complaint received 2023-02-06
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. (AZ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (CA)

I received an e-mail from PayPal on XX/XX/2014 offering a {$50.00} statement credit for opening a PayPal Extras MasterCard account and making {$100.00} in purchases by XXXX XXXX, 2014. I complied with all of the terms, but still do not have the {$50.00} credit. I 've called them several times, but they always say " next month. ''
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. (GA)

I have been trying to dispute the fraudulent items and request the Credit Bureaus to remove them completely from my Credit Report. I have bee sending multiple letters attached with complete proofs of my identity as well as the ID THEFT REPORT I received from the FTC. However, it has been brought to my attention that the XXXXredit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If the Credit Bureaus choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/2021. The last letter I sent requests the Credit Bureaus to send me copies of documents bearing my signature to prove the Credit Bureaus ' claims regarding the fraudulent items, which they have failed to do so and yet continued reporting the disputed items. This action by the Credit Bureaus is a clear act of violation of my rights under the FCRA.
Consumer complaint received 2022-10-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX Pursuant to 15 usc 1692g ( a ) ( XXXX ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( XXXX ). 
Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (FL)

I purchased a XXXX vanilla gift card went online to register then proceeded to XXXX to make a purchase when trying to make purchase card was declined myself and merchant tried several time with no success merchant instructed me to contact company which I did I'm store I was told my card had been used online for several other transactions and I couldn't file dispute I can't view transactions online and i have proof I was in XXXX with card while the transactions was taken place I have original receipt for gift card as well as packaging
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (CA)

I called in XXXX/XXXX/16 and settled my account for {$450.00} I was told fees would be adjusted within 48 hours and I would have zero balance. I even said in my payment authorization that I only approve payment with XXXX balance she confirmed and took payment I have the recording as well. They then left fees continue to charge interest and report my credit. To this day its on my credit. I want this removed from my credit entirely or I will sure for inaccurate credit reporting and damages. My account was paid and settled I want it closed like promised and removed from my credit immediately.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (PA)

I have an account with synchrony bank for my XXXX account all of my previous purchases had promotional periods on the last one I had paid off the promotional payment, synchrony used a portion of that to apply it to my payment that month, I did not realize what they had done and did not make a payment, then I realized they were charging me a huge amount of money in interest I called then they put some of the money back but not all of it and they refused to fix the last amount and are still charging me interest.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (NY)

Certainly, I got a letter from XXXX that I owed {$6200.00} to SYNCHRONY BANK, I have never heard that name. Letter mentioned that I have " R '' XXXX but I have never applied " R '' XXXX or had it.
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (FL)

I have an XXXX Consolidation Loan being serviced by ACS Education. I filed a complaint back in XXXX and they reduced my outstanding balance by approximately {$1500.00} as they saw XXXX of the discrepancies I complained about. They also lowered my monthly level payment by {$75.00} dollars. HOWEVER, now they have INCREASED the amount of accrued interest from month to month, so that XXXX of my payment goes to principal, which was part of my original complaint! They sent an explanation in response to my previous complaint and then took other action to keep XXXX me. This is UNACCEPTABLE as it has been 14 years since I graduated from school and will end up paying $ XXXX for my education!!!!!!!!!! Please help! They have to allow me to pay off the balance so that SOME DAY it will be paid off. 
Please help.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. 

Best regards, I remain
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I took my covid check and used it o pay off medical bills. on XX/XX/20 I filed disputes on 3 entries that had not been removed. XXXX  and XXXX  did the investigation found the entries to be erroneous and promptly removed them. Equifax " said '' they did an investigation and found these debts to be valid. Since I had paid them I contacted the collection agencies. The collection agencies informed the had a record of being contacted by XXXX  and XXXX. They DID NOT have any record of Equifax contacting them. How could Equifax do an investigation without contacting the collection agency or the original creditor? As of today they refuse to even tell me how it is possible to conduct an investigation without contacting the creditor. Maybe you can get the answers they refuse to give me.
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

The account in dispute is with Citibank which sold the account to XXXX XXXX. 

The settlement was initiated in the amount of {$3000.00}. Citibank received a check # XXXX in the amount of {$3000.00} dated XX/XX/2019 on my behalf from XXXX, XXXX. In the note, it references Account # XXXX XXXX XXXXXXXX. 
The check ( # XXXX ) was deposited by Citibank on XX/XX/2019. 
I have a copy of the deposited check that shows proof of payment and deposit. Citibank has refused to acknowledge this payment. I have repeatedly asked Citibank to rectify this matter and they have refused to. Their response is they have to record. 
Citibank illegally sold this account to XXXX XXXX. They have continued to report false data. I have repeatedly informed XXXX XXXX that they are attempting to collect a debt that has been successfully paid. This is having an adverse effect on my credit and both companies refuse to properly reconcile this matter.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (OH)

I applied for this card so that I could take advantage of the 12 month free financing and what a hassle this has been! I have closed my account because of all the errors generated either by automated computer or by personnel. I have to mention I have talked with the general manager and sales rep and they have been very nice and compliant about reversing the charges that were incorrect. The issue has been with the numerous calls from Synchrony bank stating that I owe a late fee and my account balance is past due when in fact that is not correct! The automated pay system that Synchrony has is horrible! It doens't take out any money, even when the account was setup properly. I became so frustrated with this hassle and paid my balance in full and closed my account. However it did not end there, for some reason Synchrony bank yet again messed up and charged me {$25.00} after my account was closed. I am wondering why they still have my personal checking account information after I closed my account. Apparently the {$25.00} charge was interest that was due, although I was never late on my payments and I had the 12 month free financing. I called into Synchrony bank to get my charge of {$25.00} reversed because it was an error and they agreed no problem, BUT you have to wait 3 days or about 48 hours and CALL BACK again to " make sure that your payment gets processed ''. WHAT POOR CUSTOMER SERVICE!! VERY INCOMPETENT FOR A BUSINESS THIS LARGE TO HANDLE AMAZON ACCOUNTS!! I will NEVER use SYNCHRONY Bank again as it has been such a hassle to use. All I would like now is to receive a check for my {$25.00} and not have to call back ever again. I have also put a very poor rating on Amazon 's website about this card through Synchrony bank and hopefully Amazon realizes that through enough customer complaints and will get rid of Synchrony Bank as their primary store card and use a more reliable, hassle free company.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

To satisfy payment obligations for my Lowes Credit Card I am enrolled in the Merchants ( Lowes ) on line auto pay system. However, it has come to my attention that the Lowes system does not debit my account according to the billing due date. Instead, the system either debits the payment after the grace period or skips the debit process entirely. I made a complaint about this to an account representative late last year and was told the auto pay had a glitch and that I would not be charged any late payments or be reported late to the credit bureaus. Today, I reviewed my account and learned I had been charged a late fee 4 times In the last 12 months due to auto pay failure. I contacted Lowes and requested a credit. I spoke to XXXX representatives who along with their supervisors agreed that all fees should be removed. However, I was disconnected each time during the conversation before the removal of the fees were finalized. Each time I called back I learned their were no notes in the system indicating I would receive a credit. On the third call, I was informed again by a very reluctant representative that I would receive the credits on my next billing cycle. I requested that notes be made in the system to ensure no further confusion should the credit not post. However, given the difficulty that I have had so far, I am doubtful that I will receive the credit as promised. Furthermore, I am concerned about the predatory nature of a credit card company offering an inferior bill pay solution and charging fees to the consumer when the system fails. In my case, my minimum payment was {$25.00} but I was being charged {$27.00} every time Lowes debited my payment late.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (AL)

I paid off my Synchrony Belk card via a settlement on XXXX XXXX, 2015. I have made bi-weekly calls to Synchrony as all XXXX of my credit bureaus are as of XXXX XXXX, 2015 listing the balance as XXXX with a past due of XXXX. 
The balance is in fact XXXX and the past due is XXXX. I spoke with XXXX at XXXX central on XXXX XXXX, 2015 and XXXX assured me the appropriate credit bureau correction forms were being sent immediately to all XXXX bureaus. That was a lie. None of the XXXX bureaus have received the updated information. As a result, I am suffering damage to my credit report and score as I attempt to purchase a home with a mortgage. It has been a full NINETY THREE days since this account has been paid in full. That is more than twice the 45 day maximum time frame allowed. I have made repeat requests to have a manager return my call. They have refused. I have been hung up on twice as I held upwards of XXXX minutes. As I type this, I have been on hold today for XXXX minutes. I have settled XXXX accounts after my divorce, and Synchrony Belk is the single only creditor that is not reporting properly. At this point, I demand to have my credit file accurately updated immediately. The CFPB exists to protect consumers from practices such as this.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (CA)

This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all three credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.
Consumer complaint received 2015-08-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (MO)

XXXX has an Account open for XXXX for Ford Motor Company. This was paid off and has a XXXX balance as of XXXX XXXX. XXXX has it reported correctlyAccount Details Last Reported XXXX XXXX, XXXX Creditor NameFRD MOTOR CR Account Type Automobile Account Status Open - Derogatory Opened Date XXXX XXXX, XXXX Closed Date Limit Term 60 MonthsMonthly Payment {$730.00} Responsibility Individual Balance $ XXXX Balance {$39000.00} Payment Status Current Worst Payment StatusCurrent Date of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX Times XXXX XXXX RemarksReaffirmation of debt
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (AL)

I went to college in 2007. i became sick and was unable to continue to go to school. the federal loans did not cover the entire cost of school so I had to also pay the school the overage. Due to still owing the school they will not release my transcripts and i can not finish school. I am a single mother so I have to work and I am unable to pay the monthly payments on my loans. Im trying to get a house so my son can go to a school in a good system. i am unable to get a house due to these loans on my credit report.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NY)

US Bank the issuer of the XXXX XXXX Visa Signature Personal and Small Business credit cards charges an annual fee for each on of their cards. I have XXXX of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX hotel you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid XXXX annual fees earlier this year that I would receive the XXXX night XXXX, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below.
Consumer complaint received 2015-08-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

The response received by the US Bank, XXXX XXXX XXXX, Cardmember Services, XXXX XXXX XXXX, XXXX, ND XXXX dated on XXXX/XXXX/2015 is unacceptable as follows : Records found in the US bank card member services files, indicated that, the US bank 's letter of XXXX/XXXX/15 send by XXXX XXXX, Executive Communications, clearly explained that the US Bank made a MISTAKE in obtaining a Hard Inquire on XXXX/XXXX/2015. Having this information on Record, the US bank did removed the HARD inquire. But, on XXXX/XXXX/2015, the US Bank did traspass my personal e-mail address, send me the same credit card application, AGAIN, via my personal e-mail address : XXXXXXXXXXXX. Having received this offer, again, I thought that the US Bank was Re-Considering the previous denial of credit due to " limited credit experience ''. Consequently, due to this error made by the US Bank to offer again a credit card previously denied, I kindly request from the US Bank to remove their HARD INQUIRE which had damage my credit score and is preventing me from obtaining the credit I desperately need at this time.
Consumer complaint received 2016-11-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IN)

US Bank Home Mortgage is attempting to foreclose on my home for payments that I 've already made to them and have sent them proof that the payments have been made. I 've been battling this for 5 months and all they can say is " we 're still researching the account ''.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MA)

US bank claimed that I benefited and/or authorized charges in XXXX and XXXX of 2016. US Bank, on a recorded line, claimed that the signatures matched on the receipts and that my voice matched the voice on XXXX recordings. I asked for evidence that supported the claim and US bank provided XXXX receipts and XXXX copies of known signatures. A professional handwriting analyst who wrote there was " no indication '' that the signatures were mine. I provided US bank with that analysis by certified mail and US Bank ignored that document and did not provisionally credit my account while they reviewed my documentation nor did they provide an alternative analysis. I also requested from US bank for proof that I authorized this account, again by certified mail, and US bank did not respond. 
US Bank violated TILA by not provisionally crediting my account when new and substantial evidence was presented and US bank again violated TILA by not providing proof of indebtedness upon request.