davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (FL)

SYNCB/CARECR ACCOUNT NUMBERs : XXXX XX/XX/XXXX C/O XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/CARECR or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/CARECR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (KY)

Synchrony Bank purchased the BP Visa Card program and raised my interest rate to over 27 % on outstanding balance and purchases. I called customer service to request some explanation and a lower rate and they said they can do nothing. I am in a position where it is difficult to pay the balance right now, but I seem to be stuck paying a huge portion of my payment each month to interest.
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (NJ)

I have an account with Synchrony Financial that allows for normal purchases and promotional purchases. I spoke with XXXX XXXX, a customer service representative, and XXXX XXXX, a manager. When speaking with them I was initially refused the a copy an updated credit agreement, and then told that it is the bank 's policy to apply payments to deferred promotional balances prior to non-promotional balances, unless a customer calls to direct a payment. Moreover, I was instructed that it could take up to 30 days for them to provide an updated credit agreement. 

By allowing non-promotional purchases to compound at a high interest rate, I feel the company is taking advantage of consumers everywhere. No where in the monthly statement does it say I should call to direct the payment, but they do routinely send reminders to use the card at other merchants. The non-promotional balance carried an APR of 29.99 % while the promotional balances were deferred if paid in full within the promotional balance. When I asked if the previous payment can applied to the non-promotional, I was informed only future payments can be directed. I am also bothered that a manager told me " what 's the big deal and the amount of interest is less than the deferred interest so not to worry about it. '' If this happened to me, and they affirmed this is standard policy then imagine the damage this company causes to people who really ca n't afford it or does n't understand the effect this practice has on their financial future. The damage would be a product of the number of customers times the number of months it would take pay off all.
Consumer complaint received 2015-10-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

I 've had XXXX separate credit accounts with this company, ( XXXX paid off in full ). Unfortunately, this month has me in financial distress and consequently caused me to be a little late. 
As of today, 8 days late ... although, still within the 10 day grace period ( XXXX/XXXX/2015 ). 
Reason being late, is a result of periodic XXXX ( XXXX VA XXXX XXXX XXXX ). 
That being, this company has called me over 60 times in the past 7 days, ( all recorde via cell phone ) .Somedays they 've called 10 times in a 12 hour span. 
This is all after speaking with a Conns rep back XXXX 2015. 
I explained to him that XX/XX/XXXX payment would be a few weeks late. 
The saddest part is, As a XXXX Veteran ( XXXX XXXX ). I 'm already battling with many health issues and do n't need the extra stress from their excessive, harassing calls while in the hospital. 
This is only causing additional stress. 
Again, I 've used this company several times in the past 2+ years and have NEVER missed or been late on a payment. 
I can not help what 's happening this current month. 
My health takes precedent ... Hopefully they can understand this and back off with the calls.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (WI)

I was offered to sign up for a store credit card by an employee. i like to shop but i felt ripped off. because alot of the items i purchase was low in cost. first the cashier told me my payments were only XXXX a month and it would not change and when i look my card was getting hire in cost. well i did make several arrangement that was not kept by the customer service. it starts of good with these cards then they become harrasing charging over the limit fees and late fees and other hidden charges. there was some insurance they ask me to sign up for and they ask me to call all over to remove the service. I felt i made small purchases and my account should not have went over. they also tried to sign me up for some hard ship program and later close the account with out me knowing or keeping it open. That the product i purchase on my card was not allowed to be returned to the card. they need to check and make sure the items that they are selling are really from their store.
Consumer complaint received 2016-02-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (SC)

I went to Conn 's to buy a computer and TV. When I ask when payment was due, I needed it to be around the XXXX and was told NO PROBLEM I can call and have the payment date when I needed it. When I got home I called and was told no the date could not be changed. I explained what had been told to me but they said sorry, I had a 10 day grace period. I was supposed to have 12 mo 0 % but if all payments were not made on the due date they told me, the 0 % interest was void. 
If not paid on due date I start getting calls ( as many as 15 a day ) They now are leaving messages asking for XXXX?? and all in XXXX. If I call back, I get someone that does not speak English or get transferred then hung up on. I have asked for a copy of my account, It takes several phone calls and finally after2 1/2 months finally got one. Interest is 35 % and the extra amt. paid is not going on the balance, just says future payments.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I received a letter dated XX/XX/XXXX from Synchrony Bank regarding my Care Credit claim. The letter stated my account would be credited for the amount of the award I received from the claim in accordance with the terms of the CFPB agreement. I received a statement on XX/XX/XXXX that my account was credited {$300.00}. When the claim was initially filed against Care Credit, I was told by Care Credit that the disputed amount on my account was {$390.00}, not {$300.00}. When I contacted Synchrony Bank on XX/XX/XXXX to inquire why the amount was different from what I was originally told, I was informed that the amount had been pro rated. I asked for an explanation on the procedure used to pro rate the award and was told that they could not provide me an explanation because the amount had been determined by CFPB. I informed Synchrony Bank that I wanted to dispute the amount until I was provided with an explanation of the difference and was informed I could not dispute the amount. I asked for a phone number for CFPB which they provided. I contacted CFPB but the representative was not able to explain why my account had been credited a different amount from what I was originally told by Care Credit. On XX/XX/XXXX, I made an online payment to my Care Credit account in the amount of {$5200.00}. When I received my statement, I had only been credited {$4900.00}, a difference of {$390.00}. I contacted Care Credit to inquire about the difference and was informed that the {$390.00} was the amount of finance charges in dispute related the the complaint filed with CFPB. Since XX/XX/XXXX, that amount has remained unchanged and I have received monthly statements from Care Credit indicating my balance was {$390.00}. Since Care Credit determined the amount of my account that was in dispute, I am requesting an answer from the company about the difference. My account now shows I owe a balance of {$89.00} after the {$300.00} credit was applied ( {$290.00} finance charge refund on XX/XX/XXXX and {$13.00} finance charge refund on XX/XX/XXXX ). I feel I should have been credited {$390.00} as I was originally informed this was the amount of finance charges in dispute and the company did not explain why I was credited a lesser amount.
Consumer complaint received 2017-01-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We went online to get our tax statement from the mortgage company online and see our monthly balance for payment has an increase of $ XXXX. It says not enough money in escrow. We purchased a house 2 years ago. After the first partial year of having a mortgage, we received a letter with a check from NationStar saying your escrow is too much, giving us {$2400.00} plus reducing our escrow account by another $ XXXX. I called them and said this seems like a lot of money, are you sure you wo n't short us or in future years jack up our rates. The response oh no, we are pretty good at this and it shows we do not need this money. So you can apply it to your principal or cash it, its your call. So we put it in our savings. Now this year, no notice, although their online system says they sent a letter on XXXX, never received it, that our escrow is short. So now they need {$2700.00} dollars to cover the shortage, plus raising our monthly escrow amount. All this equals $ XXXX increase. Now we only have 10 days before our insane mortgage payment is due.
Consumer complaint received 2022-08-04
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. (SC)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : 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 Name : XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Employer : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX 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
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (AZ)

I recently learned from a collection agency ( XXXX ) that the balance on one of my XXXX accounts was not paid in full and was charged off. XX/XX/XXXX, I moved from XXXX, XXXX to take a position in XXXX, XXXX and I filed a change of address form with the U.S. Postal Service. All of my other mail was processed correctly, somehow this account 's mail was never sent to me at my XXXX address. 
When I moved to XXXX, I applied for and received a new credit card with a new number ( ending in XXXX ) from XXXX XX/XX/XXXX. However, when I made purchases from the XXXX store in XXXX, XXXX in the amount of {$160.00} the clerk must have charged an old account. I gave the clerk my SSN and driver 's license and she charged the merchandise to what must have been an old XXXX account. All billings for the {$160.00} purchases were sent to my old XXXX address. I never received a late notice or a notice that the account was going to be charged off. 
I never received any type of billing notice from XXXX or XXXX. If I had, I would have paid it promptly as I always have. I have over 25 years of clean credit, there is no reason I would have not paid the bill. I have at least paid off XXXX mortgages over the last 20 years! I do have many accounts in order to run a property business so I pay a voluminous number of bills each month. 
XX/XX/XXXX or XX/XX/XXXX, XXXX sent the account ending in XXXX to collections as a " charge-off. '' Had XXXX not been negligent and made a " reasonable inquiry '' into my current address/phone number/email, they could have and should have notified me before " charging off '' my XXXX account. I have numerous accounts with XXXX as well as XXXX Bank which indicated my current contact information. I believe XXXX and XXXX acted in BAD FAITH. 
I have asked the bank and XXXX to allow me to pay for the products I purchased in full. They will not communicate with me other than to say the account was " charged off. '' I am asking that they waive or deduct all of the fees charged as it was their negligence that the charges were charged to an old account and I was never notified of the billings or the charge off. 
Ironically, XXXX is still sending me new credit cards and " hoping I will do business with them. '' I will never use XXXX or XXXX again.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

XXXX, reporting as " XXXX XXXX XXXX '' is reporting old debt as new. Old debt of {$2900.00} is more than XXXX XXXX XXXX and should not be reported to credit. Said delinquent date is from XXXX. I then reopened a new line with XXXX in XXXX and have had the same line since. They are now reporting old debt is new and marking delinquent date of XXXX instead of XXXX. I have written them several times to dispute and instead send me negotiations. When I call them they give me a run around and representatives hang up on me. I have tried every way and no success. 
I have uploaded a picture so it can be seen that I currently have a line open with XXXX and it is my current phone number. Also, please note account number. Old debt has different phone and account number. Please help.
Consumer complaint received 2017-02-08
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

Talked to XXXX XXXX XXXX XXXX XXXX at Quicken loans who is supposedly a senior mortgage banker about getting a mortgage. I told him I wanted to be able to pay the mortgage off quickly with no penalties. He told me that when most banks sell mortgages to other banks, the new bank can change the terms, including charging huge fees if you pay it off early but that Quicken does n't do that. I said I do n't believe that is true and that I did n't want to do business with a person who lies. I just think it was unethical and he should be reprimanded in some way.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

I opened a Citi Bank Miles Ahead Savings Account. I was supposed to receive XXXX XXXX XXXX XXXX  miles after depositing at least {$10000.00} in funds and keeping the funds deposited in the account for a requisite period of time ( I was told by a representative that I needed to keep the funds in the account from XX/XX/XXXX to XX/XX/XXXX ). I withdrew the funds on XX/XX/XXXX. I kept the funds in the account for the requisite period of time but never received the bonus. I have used the live chat feature to discuss the bonus having been never received on numerous occasions. Finally, the representative opened an investigation on XX/XX/XXXX. The following details were provided : For your records, YOUR CASE ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We appreciate your patience and understanding during our research process. 

I have called to check on the status and each time, they say to please allow for extra time ; that the case is still pending. At first, they said it would be completed in five business days. Now they said 30 business days. Most recently, one employee said to allow for two more days. They say they have escalated my concern, but I have become convinced that they aren't doing anything. They keep punting this down the road and I am tired of it. I, along with others, qualified for the promotion and they are withholding the airline points, likely to the benefit of the company strategically.
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (VA)

An unauthorized charge appeared in my account. I disputed the unauthorized charge and the bank told me that it will take 60 days to complete it 's investigation, but has not credited my account. I contacted them after 2 weeks past and asked why they have not issued a provisional credit yet and they told me they do not issue provisional credits, that I would have to wait until their investigation is complete.
Consumer complaint received 2023-02-03
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

1. Equifax had until XXXX reported I had an XXXX XXXX cc account for XXXX years ( originally opened in XXXX until 41 years later I voluntarily closed it due to lack of use ). In XXXX Equifax dropped all reference to this account and lowered my score from XXXX to XXXX. XXXX and XXXX have had and do report this info correctly. Equifax should check their past records and correct this omission and adjust my credit score. 
2. Equifax also reported my XXXX XXXX XXXX cc as " lost, stolen ''. I phone XXXX XXXX XXXX on XXXX/XXXX/15 to voluntarily cancel cc because I do n't use it. It was never lost nor stolen. Equifax lists this as " derogatory information ''. They can verify the truth by contacting XXXX XXXX XXXX cc. This report statement should be corrected and deleted. XXXX made the same error but have corrected their report. 
3. These XXXX mistakes by Equifax have dropped my credit score from Excellent where I believe it should still be. They need to correct these XXXX major errors asap. 
4. Thank you in advance for assisting me as you have done in the past with credit reporting errors.
Consumer complaint received 2016-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (NC)

First Data is reporting that I have an outstanding balance with their company for {$1800.00} to XXXX XXXX. A had inquired about a credit card reader for my store about this time last year. The account number listed on this account is XXXX. It is my contention that I have no outstanding balance with this company. First of all, the credit card equipment they delivered was never operational. Their service representatives could never get it working. Secondly, I never signed a contract with them. And finally, I have repeatedly requested for them to pick up their equipment, but they never do ( or provide instruction on how I can return it ). I would like them to delete this account from my credit report. I certainly should n't have to pay for something that never worked, nor for their negligence on re-acquiring their faulty equipment.
Consumer complaint received 2017-01-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NE)

I applied for my carecredit card at a dental office, not knowing about promotional purchases and the deferred interest because nobody explained it to me, they checked my score and said i was approved, which i got XXXX different procedures done. Ive never been late, i pay the payments and then i get an email that i have promotional purchases that are about to expire, which they did and it affected my credit report and the interest tacked on is higher than the minimum payment, even when i pay more, it does nothing. I was misinformed about the care card