davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

XXXX XXXX # XXXX, STUDENT LOAN, {$85000.00} This account is being reported as 60 days late as of XXXX/XXXX/16. The company sent me a letter stating it was incorrect and should be reported as on time. This item should be reported correctly and updated immediately. The account should have no past due payments reported and be reported as of XXXX/XXXX/16 on time payments. Please correct. This has been reported with each agency. I also have a letter from XXXX stating this fact.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (VA)

I sent Equifax XXXX requests to place a Security Freeze on my file. The First request was sent on XXXX/XXXX/16, the Second on XXXX/XXXX/16 and the Third request on XXXX/XXXX/16. Each request was sent certified mail and included my complete name, complete address, Social Security number and date of birth. These request also included a copy of my Drivers License, XXXX, Proof of address and my Identity Theft Police report. I also sent the same request for my wife - with the same documents - and she was able to obtain the security freeze upon the first request.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have disputed this issue with all credit reporting companies, XXXX, Equifax and XXXX. XXXX and XXXX have removed it from my credit report and I would like this issue resolved. Name of the company is XXXX XXXX XXXX and balance is {$210.00}. It is really affecting my credit score and have sent them several letters including notarized letters as well and have not received any responses.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MO)

My Personal information is wrong - My complete name is XXXX XXXX XXXX XXXX - DOB XXXX The problem is that Equifax consistently mixes the name of my Son XXXX XXXX XXXX XXXX. - I tried to go into their web site and correct the information however the site is not user friendly - They also ask you to submit information related to your personal data- However when you try to submit the information the site only allows for a very small data file. Thus not allowing to complete the upload - see driver license below - They have to many inquiries that are not related to me - instead some of those are related to my son. 

It is hard for him and for me to keep our credit reports accurate. 

Please have then removed the inquiries that are not mine and make my file accurate. Thank you
Consumer complaint received 2016-07-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

A long-time customer of ACE Cash express, I took out a loan late XXXX. It was an installment loan, and my payments were about {$220.00} a month for 6 months. I hit on some expenses resulting from personal health issues.My elderly mother took sick as well, making it necessary for me to travel back and forth to take care of her. I had been in communication with ACE about this. I called them XXXX/XXXX/XXXX to advise them that I would get back in touch with them on XXXX/XXXX/XXXX to make a payment, at which time I would have funds to work with. I then left and went to be with my mother in the hospital for 3 days during XXXX.I had just enough money for gas and meals while I was with her, and to pay on my phone and electric bills. I had no more than that to pay anything else. Ace debited my account without my authorization for the full {$220.00} I owed them. Yes, I owed them the money ( even though with the XXXX installment payments I had already made, I had paid them more than twice the amount of the loan, which I knew going in ). But I do not feel they were within their rights to debit my account WITHOUT MY AUTHORIZATION! This created a horrible situation for me, and I was already dealing with my own health issues as well as my mother 's. When I called and spoke with a supervisor, they were not interested in trying to redeem the situation. The fact that I had been a GOOD customer for 10 years or more made no difference to them.They had never done anything like this before. Presently I have a letter pending to their president, but I do not expect anything more than a canned response telling me how it was their right to take their money because I did not have any payment arrangement in place with them.But could they not have advised me that this was their intention when I spoke with them, prior to doing this?
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (WA)

Simple question : I got my free credit report at XXXX and it showed a credit card with a XXXX balance from 2013 at US Bank. I thought I closed it long ago if it 's the XXXX I remember ( XXXX card? ) and I 've kept no info on it now and contacted US Bank to close the card. They do n't have a record. I 'm concerned that old card being open for so long could be impacting my credit score. What can I do? thanks.
Consumer complaint received 2015-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: U.S. BANCORP (OR)

10 years a go my wallet was stolen, I reported all my stuff, someone still managed to take a withdrawl from my account, of like XXXX dollars. Apparently along the lines this went into collection. This company was harrassing me to the point where they said they were gon na garnish my wages for like {$4000.00}, unless I start a payment plan with them for 2000. So they convinced me reluctantly to give my card info, and now they are taking out unauthorized payments and my kids have no XXXX. They are called XXXX XXXX and XXXX.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I have only went by XXXX name my entire life. There are XXXX names that are not me, reported on my credit. One is associated with a misdemeanor. I have never been married. my birth name is the only name I have ever went by.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NV)

There is incorrect personal information on my Experian credit report that needs to be deleted. 

Names 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 Addresses 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
Consumer complaint received 2015-06-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (MA)

I went to the XXXX and he told me to put it through care credit, I was paying the XXXX every month but after a few month I noticed the bill was not going down. 
they charged me XXXX in intrest the first month, I contacted theXXXX in florida and told them what a rip off, to date after 2 years of paying my bill was XXXX and is now XXXX thy charge me XXXX every month. this month I had a medical emergency and could not pay them, well the phone calls dont stop and they would not work with me. I told them I would catch up this month, but they did not want to hear that. 
I am XXXX years old and I and harrased every day by them, I am not going to send them any more money I feel like I am draged through the mud with these people they are hartless and monsters. 
thank you, XXXX XXXXXXXXXXXX.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (CA)

I was charged a return check fee in error in XXXX of 2015 by Barclaycard XXXX. 
I called their customer service line and was assured that it had been removed. When my payment date came and went in XXXX, I was charged a late payment fee as well as interest on the borrowed money. I called again to complain about this issue, was told that XXXX the original returned check fee as well as the late payment/interest fees had been removed and that the information should show up on my account in 2 business days. 2 days later, the interest and late payment fees had been removed, but I still had a balance from the returned check fee. So I called again and was told that the return check fee had already been removed and that it should have shown up on my account. It still had not and so I was again told that the original returned check fee should be removed and that it should show up again on my account. This time I waited a couple weeks more before checking again and again seeing that it had not been resolved. This back and forth went on through another payment date and again i was charged a late fee and interest on the account. I 've called again and am waiting for them to call me back in 3 days to confirm that everything has been resolved and my balance is at XXXX.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (FL)

I opened XXXX Barclay credit card on XXXX/XXXX/16 with the offer that promised to give me XXXX XXXX miles after spending {$1000.00} on this credit card. 
I met this spending requirement on XXXX/XXXX/16 and I expected to receive this bonus on my first statement on XXXX/XXXX/16. 
However it did not post on XXXX/XXXX/16. I contacted the customer service and they responded : " Dear XXXX XXXX : Thank you for contacting us regarding your XXXX Plus Card. We can certainly address your inquiry regarding the reward points on your account. 
Welcome to our family of credit cards! We are pleased to confirm that you are eligible to receive XXXX welcome bonus points for spending {$1000.00} in new purchases within 90 days of opening your account and you met this requirement as of XXXX XXXX, 2016! 
All points that you earn within a billing cycle are automatically transferred to XXXX after your cycle closing date on the XXXX day of each month under this XXXX number : XXXX. Once the points have been transferred to XXXX, they will deposit them into your linked XXXX account. This process is typically completed within 10 business days after your cycle closing date ; however, it can take up to a maximum of 30 days. '' So then I expected to receive them on my next statement on XXXX/XXXX/16. 
But on XXXX/XXXX/16 Barclay closed my credit card without any reasonable explanation. 
I contacted customer service and they also could n't explain me why my card was closed. 
I inquired about XXXX bonus miles, but they said I wo n't get them because my card was closed by bank. 
I have not violated any rules and I met the spending requirement for this bonus on time when my card was active. 
It looks like bank is using these practices to refuse giving bonus miles to customers as promised.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (VA)

I 've asked to be release from a verbal service I made with XXXX for XXXX a month due to the fact I have not received the service I was promised by a XXXX representative. I asked my credit card company to no longer accept the charges, I protested the charges, sent documentation showing I had asked the charges stopped and they continue to charge my account. In fact they raised my ability to charge more so they could accept the realtor.com charges. I feel my credit card company is continuing to charge my account so they can continue to charge me high interest rates. I want these charges stopped and credited back to my account. I 've been an on time client with this company, XXXX credit card service and instead of working with me they 're working for XXXX. Please help me. I ca n't afford a service that 's not being offered. I can send all the documentation if you have a way to upload it. Sincerely, XXXX XXXX
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2016, I alerted the Old Navy Visa Credit Card as to a fraudulent charge to the credit card account. Specifically, on XX/XX/2016, a purchase in the amount of {$200.00} to XXXX XXXX was charged to my account. The Bank 's representatives informed me that the fraudulent charge would be placed on hold and that an investigation would be made. After months of investigation I was informed that the Bank ".. did not find any unauthorized purchases applied to the account. If we contacted you to confirm attempted unauthorized purchases, it may be those purchases were rejected and were not charged to the account. At this time, we have concluded the fraud investigation and consider the matter closed. ''
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (VA)

We have XXXX accounts with synchrony bank. XXXX for XXXX bed which was returned and payments have been made on time. The bed was in my Wife 's name yet the company called and discussed the debt with me in violation of my Wife 's request. They called 10 times in 4 days to collect on a supposed debt that was up to date. Even after requesting that the company ( synchrony ) stop calling us, they continued. I purchased a tool from XXXX last month, and even before I received the first bill, I received XXXX phone calls from synchrony in one day. The first call was at XXXX XXXX and the last was at XXXX XXXX. After the first call I asked them to stop calling my house, Yet I received four more calls after the request was made. I am a XXXX Veteran who is home bound and I get physically ill when I receive phone calls such as those from synchrony bank. ( tel # XXXX XXXX ) was the number that I was called from. Please help me stop the harassment by this company. The debt collectors are harassing me with no cause. Thank you in advance for your assistance.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

In XXXX my JcPenny/Synchrony credit card had fraudulent charges on my card. I notified JcPenny when I received my statement in the mail. JcPenny closed the card and open a new card. JcPenny said they sent me a new card which I did not receive. I received a letter stating they found the charges to be fraudulent and removed them from my account. I contacted JcPenny to let them know I never received my new card in the mail they sent me and I could not log on to my account to view my account. JcPenny said I owe a balance on the account and I told I did not owe anything on my account. I was not receiving statements and I was not allow to access my account since I did not have my new card. My old log in would not work. I requested my statements from JcPenny which I was sent in the mail. I was reviewing the statement on my old card JcPenny removed the fraudulent charges from the account but then but the charges on the new account. I called XXXX XXXX, 2016 to resolve the problem. I was transfer to XXXX representatives including the Fraud Department. I requested another fraud research and nothing has happen since my request. JcPenny keeps reporting I am 30 days past due on my card which I am not. I do n't owe anything on my credit card. I called and spoke to another Representative in XXXX to follow up regarding my fraud inquiry and the Representative said could not help me because she could only view 3 months of my account and could not go back to XXXX to view the account history.
Consumer complaint received 2017-02-07
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: SYNCHRONY FINANCIAL (CA)

I thought I previously turned on autopay to be effective for my XX/XX/2017 payment of {$84.00}, but I did n't notice I either did n't do it correctly or confirm the change so when my due date came up, my payment was not sent. I realized it when I did not see it as a pending transaction after the fact. Since then I successfully turned on the autopay, but now I have a late fee of {$37.00} for that late payment. I called customer service today XX/XX/2017 and asked for a waiver of that fee. I was told its not possible. I previously had an issue that XXXX took responsibility for and waived the fees, but I feel like that was a separate issue a long time ago that has been resolved and should not be held against me. I have made all my payments on time since that issue was resolved and only ran into a problem when trying to setup autopay. I 'm asking for this late fee to be waived please. Thank you.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (GA)

I had setup an Amazon Store Card ( Synchrony Bank ) and I believed my cycle date was on the XXXX of the month. I have been paying {$100.00} ( way over the minimum ) on the XXXX and did not receive any notification that I did not pay on time because my actual cycle date was the XXXX of the month. Did not know that I was being charged every month for {$35.00} late payment fee. I contacted them Customer Service XXXX and explained this situation. I was only receiving a email monthly with a link to my account but I could not remember by credentials to access the account. They agreed to only credit XXXX late payment fees and refused to credit the XXXX remaining. That is {$100.00} charges for a customer that uses their services and pays consistently, but because of a mistake regarding bill cycle date. Why did they not send a notification that I was charged a late payment fee to my email or call me so that they could make sure that there was not this situation?
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: M.A.R.S., Inc. (NY)

In XX/XX/XXXX I was served eviction papers due to a month of non payment, which we were withholding due to a breach of the lease that led to habitability issues. In court, we settled. We provided {$200.00}, and they let us out of the lease. All to be concluded by XXXX/XXXX/XXXX. One XXXX/XXXX/XXXX the case was dismissed by the former landlord as settled. Then the landlord, through a bogus company, submitted a claim to the debt collection company reported for {$1000.00}, There was no protocol in place for investigating what was clearly a fraudulent claim by this landlord, and this company in spite of never contacting me, had a derogatory mark placed on my credit report. They did contact me by phone, but never in writing ... and over the phone I expressed that this was an error. I sent them a copy of the lease and a copy of the disposition. ( They state they never received those, but do admit that I made it known that it was not accurate at that time ) They did not investigate when the fraud was initially perpetrated, and they did not any time subsequent for 6 years ... that 's right, they knowingly kept an erroneous mark on my credit report for 6 years. I now have a letter, they just sent it today via fax, that states that the account was turned to them in error and 6 years later, they will finally have it removed. There was never any written information provided until this very moment. As a point of issue, the letter they sent today was an address I held for two years and not a single letter came from them to this address. The claim was, according to the collection agency, supported only by a lease and a statement of non payment with no other verification sought or needed. I believe them to be initially grossly negligent before providing derogatory information to the Credit Bureau, but further had a duty to investigate upon first indication that the information was incorrect, in spite of their claim that they never received anything in writing. They WERE informed, and they actively chose to ignore this information. In doing so I believe they were willfully publishing incorrect information on my credit report, without providing instruction on appropriate dispute procedure, ignoring appropriate dispute procedure and ignoring federally mandated protocols for fair resolution which led to significant troubles gaining housing, medical care and employment. The fact that now they admit it was given to them in error, although they could have checked when initially notified but chose not to is inexcusable in this line of work, and a breach of Federal Law.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (CA)

I have some issues regarding my Amazon Store Card account, I was hoping that someone would help clear-up : In XX/XX/XXXX after using the same password when logging into my online account since I first opened my account, my password no longer worked. I called customer service about this so I could make a payment, they said they had my bank account info and would process a payment. I also asked for a replacement card at that time. Unbeknownst to me, my XX/XX/XXXX payment which I made online had not been credited! Then later in XX/XX/XXXX, I received a letter that said my account was delinquent, to my great surprise. Now both of my last XXXX payments made failed on their end and my account was n't credited! So I sent a personal check payment along but did n't have time to call because I was going to be out of town for awhile. 

On XXXX XXXX, I had time and called customer service again, my first XXXX attempts I was hung-up on after holding for very long times. After a hour of trying to speak to a rep, I was finally successful and got to speak with XXXX about the events that occurred. We spoke about how my payments were n't being credited, which she could n't give me a reason for. We also discussed how my passwords were n't working and how I was unable to access my online account, again she did n't know why. She helped me access my online account and told me I had n't been charged any online late fees and that I was in good standing. XXXX also said she would send me the replacement card I had n't received from my last request. 

On XXXX XXXX, I called customer service again because my new password was n't working again and I was unable to access my account. I again had to request a replacement card because I still had n't receive one since the last XXXX requests. Once online I now could n't view all of my previous statements, even though I was always able to in the past. 

Of greatest concern is that in XX/XX/XXXX, I received a copy of my credit report and saw that Synchrony Bank reported me as delinquent past XXXX days in XX/XX/XXXX. This is unfair considering my attempts to make payments and access my online account failed due to problems at Synchrony Bank. I ask that Synchrony Bank fix this and remove this blemish off of my credit report immediately. 

Overall the experience recently with SB bank has been very disappointing, frustrating, and time consuming. I never had problems with this account before Synchrony Bank took over my account from GE. I look forward to hearing from someone from Synchrony Bank regarding the negative mark left on my credit report.