davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE. SSN : Dear XXXX : I am a victim of identity theft. Accounts have been established in my name since I was XXXX years of age. I 'm uncertain if my number was issued to someone other than me. The information which appears on my credit report is not my debt. I have n't been able to use my credit because now that I 've become of age negative accounts appear. I was told because it 's in my name and the only way it can be removed is I have to pay it. I have tried to pay them off but I simply ca n't afford it. It 's not fair. I have since contacted a credit counselor who told me there are laws to help me. I have notified the creditor and Equifax and they failed to remove the accounts. Upon seeking employment, I was denied due to the negative credit report. I have filed a police report, please find attached. XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus and govern entities. 
The items that should be blocked or deleted are : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX and Account Number ( XXXX ) : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection of XXXX XXXX I am requesting you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have given notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report. 
A copy of my Identity Theft Report and Proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
XXXX Filed Complaint
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OR)

I have never missed a payment. Chase Mortgage Department has refused to acknowledge the proof of pavement I have submitted, the actual bank statements showing payment was submitted and money taken out of the account, including the last XXXX digits of the loan number. This has been going on since the beginning of XXXX with each representative saying the situation was, " being researched. '' After I faxed proof, I was told it takes days, up to a week, for them to actually receive the fax. Every time I called, I was told they did not have access to the fax yet. Finally, today, I stated, " I want you to physically look at my proof, now, while I am on the phone. " After 3 and a half hours on the phone, supposedly a work order has been submitted for review by the, " back office, '' and I am supposed to hear back within 48 hours. Everytime I have requested to receive acknowledgements in writing, I have been told Chase does not resolve disputes in writing, only verbally. I am now being told that even though I submitted evidence of every payment being taken out of the bank account, nonetheless, they have to figure out what they physically did with that payment before correcting the account. In the meantime, the account shows in arrears. After 1st telling me it was XX/XX/XXXX 's payment missing, then saying it was XX/XX/XXXX 's, they are now saying it was XX/XX/XXXX 's payment. I sent proof of all payments from XX/XX/XXXX through XX/XX/XXXX, 2016. Several representatives have said only one particular representative in XXXX can help me, however, there is no way for me to directly reach XXXX, when I call it goes to XXXX office. I am told there is no way to transfer me. Others have told me anyone who answers can help me. I have received conflicting stories from multiple representatives. I have spoken to a number of supervisors. Currently, a verbal promise has been made to research and resolve within 48 hours. I hope for a resolution.
Consumer complaint received 2015-09-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACCESS GROUP INC. (IA)

I have recently returned to graduate school. The lender of my private loans, Access Group, has a policy that prevents me from deferring my private loans while in school. The policy is that after 30 months of being out of school I can not defer these payments in the same manner as a student returning within this period. I would like the same treatment as a student returning to school within this period.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (WV)

Penn Credit Corporation keeps calling home phone number for someone named XXXX XXXX. They 've called numerous times and when I told them I do not know that person, they still continue to call. I 've asked this number be removed and a little over an hour later, they called back and when I again told them I do not know that person, and to remove my number, they hung up on me. They need to research their contact information and quit calling wrong numbers.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (NY)

On XX/XX/XXXX I mailed my mortgage payment to Statebridge Company, LLC. XX/XX/XXXX I received a statement from Statebridge stating I owed a {$24.00} late fee because my payment was not received until XX/XX/XXXX. This is not the first time I have had to file a complaint against Statebridge over a late fee. It is to Statebridge 's advantage to " drag their feet '' in order to charge additional fees. I will not be held responsible for Statebridge 's lack of timeliness in depositing mortgage payments. My mortgage statement for XX/XX/XXXX states I owe my mortgage payment for XX/XX/XXXX ( my XX/XX/XXXX mortgage payment check was cashed so where are the funds? ) and XX/XX/XXXX. I will NOT be paying any late fee because I mailed my XXXX payment from the XXXX XXXX Post Office in XXXX with more than ample time for Statebridge to receive my payment. I will complain, and seek higher authority to resolve this ongoing problem. This is the same theft/shenanigans/ smoke and mirrors behavior XXXX XXXX used to play. I filed a complaint with the federal agency that oversaw thieving behemoths like XXXX Bank.
Consumer complaint received 2017-02-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IL)

My complaint is with Loancare, XXXX, VA. I made my payment using XXXX 's Auto Bill Pay, so it was an electronic funds transfer and XXXX has verified that Loancare received my payment before the deadline of the grace period. But Loancare sat on my payment for 2 days before they posted it and they are now trying to charge me a late fee. 
So I called Loancare about the delinquent notice they sent because it was dated the day after XXXX 's proof of payment date. I had to verify my identity on Loancare 's automated attendant/phone system, and it retrieved my payment information stating that my payment was processed on the XXXX, which is the last day of the grace period so I should n't have received a late fee at all but the delinquent notice is dated the XXXX. So I transferred to a customer support person who told me my payment was processed on the XXXX. They ca n't even get their dates straight ; the delinquent notice, automated phone system, and customer support all have different dates. I asked to speak with a manager and they refused saying I 'd need to submit my complaint in writing. So they do n't even want to work with me on this issue - they are the worst!
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: U.S. BANCORP (OR)

RE : Elan Financial Services Cardmember Services XXXX. XXXX XXXX XXXX, ND XXXX I had the worst possible experience with Elan Financial Services. I needed to exceed my credit limit this one statement cycle, because an immediate payment was necessary to a travel agency for a trip booked within less than 90 days. 
Elan rejected it, because it caused my credit limit to be exceeded. 
Understood. 
However .... 
After spending hours, almost the entire day of XXXX XXXX, 2016 back and forth on the phone with them being given false promises, complying with their every demand and going out of my way to accommodate their unreasonable requests ( like faxing the last two years of our taxes ), they still did not allow a credit card payment to go through. I even gave them the routing number and account number of my online savings and offered to pay what was already posted for that month + what the new charge would be - immediately, before the new charge even posted. 
They would n't even allow me to do that! 
I had no recourse. Furthermore, I was strong-armed into applying for a permanent credit line increase, which I neither need nor do I want. They were, in essence, messing with me. 
BTW, I have never carried a balance in my life and I 'm XXXX years old. Our credit rating is exemplary. 
So, I 'm having a hard time letting this rest. My first question to legal counsel here was about whether Elan Financial Services had the right to require faxing of my tax forms. He said that he had never heard of that, but that a credit card servicing organization is, technically, a creditor, so maybe they do have that right. In regards to your question below, I neither hired an attorney nor filed legal action - yet. I paid for counsel and my lawyer advised me to file a report with the CFPB. 
I posted the payment to another credit card before day 's end, but that lost me points in cash-back, hence the {$110.00} that I am claiming as damages. That 's all I 'm claiming ; however, further damages are to my XXXX score because of an unnecessary hard pull, which has no intrinsic value attached to it, I guess, but the cost in terms of my time and aggravation is over the top. 
I ca n't even begin to describe how rude and disrespectful they were to me. 
Thanks for your attention to this matter.
Consumer complaint received 2015-08-25
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (TN)

I received dental procedures and the office manager explained how much it would cost and advised that my insurance would pay for the majority of the procedure given. I only received a XXXX and a XXXX, which cost almost {$10000.00}. It was my understanding that I only needed additional money to complete additional XXXX services, therefore, I was advised to sign up for Care Credit. I really did n't understand the way it was explained to me and the office manager called my mother over the phone to co-sign. The way it was explained was too complicated and not easily understood by me or my mother. I thought that the Care Credit would only be used for future XXXX services, but come to find out that not only was all of my health insurance benefits used, but also the full balance of the Care Credit card. Now, my mother and I have a judgment on our credit for the full balance of the Care Credit card, because I could not afford the payments and I was sued. I did n't understand how much the payments would be, nor the total amount that would be used. The office manager never gave me a copy of the documents either.
Consumer complaint received 2015-09-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (CA)

I do n't even know where to start. I 've done business with GE Capital Retail ( now Synchrony ) in the past, and always made my payments on time. When I stopped using the credit cards, I cancelled them. I have several closed positive accounts with this bank ; however there were a total of XXXX fraudulent accounts opened with Synchrony Bank including Lowes, Home Design, Walmart XXXX, Old Navy, PayPal, and Amazon. The Lowes account was finally removed from my XXXX report, and thankfully is n't reporting with any of the other bureaus. These accounts were opened during a time when I was living and working in XXXX Maryland. 
The Lowes card was removed from all of my reports, so I do n't have an issue with that account. 
Home Design was opened without my consent resulting in a charge off and being sold to XXXX XXXX. I requested XXXX XXXX close the account, and cease collection. I provided them a police report and theft affidavit. Portfolio Recovery did remove, however SYNCB/XXXX is still reporting. 
The Walmart XXXX was reported fraudulent in XX/XX/XXXX! It was closed and then reopened without my consent, resulting in a charge off and being sold to XXXX XXXX. I requested XXXX XXXX close the account, and cease collection. I provided them a police report and theft affidavit. XXXX XXXX did remove, however SYNCB/WALMART DUAL CARD is still reporting. 
Old Navy is currently reporting a charged off account to all XXXX credit reporting agencies. This is not my account. 
PayPal is currently reporting a charged off account to all XXXX credit reporting agencies. This is not my account. The account has since been sold to XXXX XXXX resulting in another derogatory remark on my credit report. Both XXXX XXXX and SYNCB/PAYPALSMARTCONN are reporting as derogatory on my account. 
The Amazon account was reported fraudulent/stolen and was closed in XX/XX/XXXX when I originally discovered it. For some reason it reopened, and I was not made aware of it. The account has since been sold to XXXX XXXX resulting in another derogatory remark on my credit report. Both XXXX XXXX and SYNCB/AMAZON PLCC are reporting as derogatory on my account.
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: M.A.R.S., Inc. (TX)

I reached out to MARS collection, to verify a colection that was reported on my credit the information below in order to verify debt. I recieved an email missing half of the information and was addressed to another party. I would mars to properly verify debt according to texas laws. 
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (NJ)

I am registering a complaint against PayPal Credit services for potentially fraudulent handling of my PayPal Extras MasterCard ending in XXXX. For the billing cycle ending XXXX/XXXX/2016 with a balance of {$500.00}, I had mistakenly paid the bill twice. The initial payment was submitted electronically via my bank to a previously closed PayPal credit card, then upon receiving an email from PayPal that my balance was still outstanding, I proceeded submit payment again via the PayPal website only realizing later what had happened. Almost 5 months later, after multiple calls and a myriad of excuses, I have yet to receive either a refund check or a credit to my active PayPal account.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I set up automated payment plan with XXXX XXXX ; however, they failed to deduct moneys from my checking account and assessed me a late fee and my minimum payment went up to {$95.00}. When I contacted their customer service department on XXXX/XXXX/2016 ; representative XXXX confirmed that I had auto-payment in place ; however, it would not take effect until XXXX/XXXX/2016 due date payment. I set up auto-payment in XXXX. XXXX stated he could not reduce my minimum payment.
Consumer complaint received 2015-03-27
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BARCLAYS BANK DELAWARE (MO)

On XXXX/XXXX/2015 I applied for the Barclay Platinum MasterCard credit card. It was a promotion to transfer a balance with 0 % interest for XXXX billing cycles. I requested a balance transfer of {$10000.00} from another credit card to the new Barclay MasterCard. 
I received the new card on XXXX/XXXX/2015 with a credit limit of {$1500.00}. Because it was not the credit limit I was hoping for I did n't activate the card and was thinking about closing the account. On XXXX/XXXX/2015 I received an email that a {$1000.00} payment posted to the credit card that I asked the {$10000.00} to be transferred to. I still had n't activated the new Barclay card yet and was going to cancel it. 
I called Barclay customer service and told them that the {$1000.00} was an unauthorized transfer and it happened without my knowledge or consent. They waived the {$30.00} transfer fee but told me that they could n't reverse the charges because it was already paid. I advised them that this was unauthorized transfer and that Barclay did it without authorizing it through me and did the transfer anyway and using an arbitrary amount of their own choosing and an amount other than what I agreed to on the application. 

I said that since it was in my mind an unauthorized transaction the responsibility of it falls on them to reverse this transaction and the burden to send them money is not on me. They said no, it could n't be done because it already was processed. I requested the new Barclay MarsterCard account to be closed. 
My point is that since my initial credit card balance was only {$1500.00}, which was way less than the {$10000.00} transfer amount that I requested that the transfer was not going to happen. Furthermore, I had not activated the card and was considering if I was going to keep it or not. 

It is my view that Barclay acted on their own performing transactions without me knowing about it not verifying with me if these were my wishes. If they would have contacted me and asked if I still wanted to transfer a balance since my initial credit line was way smaller than the transfer amount I requested it would have had a very different outcome. 

The Results I am requesting to resolve this complaint:XXXX ) Barclay to immediately reverse the {$1000.00} transfer with no cost to me whatsoever.
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (AL)

After numerous requests and disputes to the XXXX major credit reporting bureaus, Synchrony Bank/Care Credit refuses to provide me with an application bearing my signature requesting an extension of credit from them. Synchrony Bank/Care Credit can not and will not verify that I myself opened and used this account. I request that if my person can not be verified and validated, the charge card account and its reporting status has to be removed from all XXXX major credit reporting agencies : XXXX, XXXX, and XXXX.
Consumer complaint received 2016-10-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Selip & Stylianou, LLP (NY)

SELIP & STYLIANOU , LLP ( presenting XXXX XXXX ) misrepresented vital case information on several documents and provided falsified information to the courts. Additionally, the service processor used ( XXXX XXXX XXXX XXXX ) falsified the Affidavit of Service providing bogus and fictitious information.
Consumer complaint received 2016-10-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

About a month ago I lost my job and fell behind on my payments. When Conn 's called I explained the situation and told them when I would send them a payment, about an hour later, they called again, I repeated my situation and AGAIN told them when I would send a payment. The calls did not stop that day, they called me 8 to 10 times. The next day they called another 8 to 10 times, sometimes just hanging up when I answer the phone. They call between 8 and 10 times EVERY DAY. 
I send them a payment when I say I will and they just keep calling 8 to 10 times EVERY DAY
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (FL)

I received an email stating that I owe XXXX minimum payment on a Frontier Airline/Barclay card ending XXXX. I do n't have a card. When I called some rude people wanted me to provide all my personal information for a card I do n't have. This guy provided me an address in XXXX, FL which I do n't live in XXXX. I want this remove immediately from my credit and this card shut down, destroyed, etc. This is Fraud!!!
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (GA)

Pusuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Synchrony Bank! Synchrony Bank did not provide the documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section Synchrony Bank did not honor my dispute! They just sent correspondence saying the account was sold to XXXX XXXX XXXX which is a direct violation of the FCRA! 

( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (TX)

My roommate received a pre-approved notice from Barclay Bank for a credit card. We have the same address AND he is an authorized user on my current Barclay Bank Delaware credit card. 

He submitted the application, however, they claim the letter was meant for me and they used my SS # to pull the credit report. 

He contacted them and they explained the reason it was n't approved ( no big deal ) was his name did n't match my SS #. 

He was provided with a ref # XXXX so that I could call and have the inquiry removed from my credit bureau since this was obviously an error on their part. 

I called and got nowhere.