davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (MA)

Back in XX/XX/XXXX I have a returned credit card payment on my old navy store card through synchrony bank. I corrected the issue a few days later. Moving forward I made all of my payments on time every month. In XX/XX/XXXX I got another returned payment notification and again I quickly corrected the issue. My card has always been set up on auto pay but on this day in XX/XX/XXXX synchrony bank attempted to collect the scheduled payment around XXXX est and my direct deposit did not enter my account until after XXXX that day. Although I made the payment once I was notified that the payment was returned my account with synchrony bank was closed. I spoke to a rep and XXXX managers and was told that there was nothing that they could do to help me. I do n't feel that this bank is for the people, I feel cheated. Ive been working very hard on my credit and to have a closed account on my credit report is just down right wrong. The rep and both managers totally understood where I was coming from and even stated that I 've made all payments on time. They were very apologetic but could not do anything to reopen the account. My current balance on the card is {$57.00} not even close to my {$300.00} limit. Is there anything that I can do to get this card reopened? I am planning to purchase a home this year and I really do not want this on my credit report.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MA)

A fraudulent account was opened in my name by Synchrony Bank/Care Credit. They allowed the opening of this account without contacting me, even though I already had an active account with them. When I protested the account, they removed it from my credit reports, but did NOT remove the hard credit inquiry associated with the opening of the account. I have called their fraud investigative office XXXX times since XXXX, 2015, and yet they have still not removed the fraudulent credit inquiry. I contacted the credit bureau today and was told that only the creditor can remove the inquiry, even though the credit bureau has record of the fraudulent account and an initial fraud alert was added to my account immediately after the opening of the account. Why ca n't inquiries be disputed the same as other mistakes? What recourse do I have when the creditor is uncooperative and/or incompetent and my credit suffers as a result?
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (MD)

In XXXX 2015 I paid this card off leaving a zero balance. In XX/XX/XXXX I placed a small order on easy pay of 3 payments of {$19.00} for which I never received statements and forgot about in the holiday rush. 

On XX/XX/XXXX I received an email from myfico that my credit score was dinged and they were reporting me 30 days delinquent. I immediately contacted them to advise I was not receiving statements and paid the balance in full requesting that all fees, late payment credit reports, my credit limit be restored back to what it had been. To date they have only reversed XXXX late fee of {$35.00}. 

I multiple accounts with Synchrony and have never had a problem. I certainly would not default or be late on a $ 20 monthly payment.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (TX)

I ) National HouseHold Appliance store ; Conn 's HomePlus, Store # XXXX, Located in XXXX, Texas, XXXX County, zip code XXXX ; Using Unethical and Deceptive trade practices for personal financial gain. 
II ) Items listed on Contract /Invoice number XXXX, dated XX/XX/2016, in the total amount of ( U.S . Dollars ) {$2100.00}. 1 ) Used invalid Model number 2 ) Invailed Description 3 ) Invailed Unit Price. 
III ) Items delivered were : 1 ) Incorrect 2 ) Used not New 3 ) damaged. 
IV ) Contacted Sales personal XXXX XXXX and Store Manager XXXX XXXX at store XXXX location ; Refused to correct. Stating Corporate Office must correct. 
V ) Contacted Corporate Office ; Conn 's HomePlus, located in XXXX, XXXX County,? Texas, zip code XXXX-Very dishonest. 
VI ) Receiving No assistance from XXXX store, Corporate Office and Warehouse REFUSING TO PICK UP ITEMS. 
VII ) Within the XXXX XXXX XXXX XXXX day period I voided contract /Invoice listed above on XXXX XXXX, 2016. 1 ) Wrong items 2 ) Used Items 3 ) damaged Items 4 ) OVERCHARGED XXXX ( XXXX ) different Credit Cards. 
VIII ) The XXXX ( XXXX ) forms of payment stated on contract /Invoice 1 ) I was totally UNAWARE that I was opening a NEW CONN 's Credit Card thru Conn 's /Synchrony Bank Financial where ( U.S. Dollars ) {$2000.00} was charged 2 ) XXXX Credit Card ; XXXX XXXX XXXX where {$170.00} was charged. 
IX ) I contacted Conn 's Credit Card /Synchrony Bank Financial-I was told CREDIT WOULD BE ISSUED. As of today 's date XX/XX/2016 NO CREDIT ISSUED. 
X ) I contacted XXXX XXXX XXXX Credit Card as soon as I saw it on Contract/Invoice. 
XI ) **SPECIAL CIRCUMSTANCES*** to be noted : On the date I went to XXXX Store XXXX, XXXX XXXX, 2016, XXXX 
It is my belief that Sales personal XXXX XXXX and Store Managemnt, XXXX XXXX used my medical circumstances in " Bad Faith '' to gain Personal Financial Gain. 
XII ) It is my belief that CONN 's has no intention of " GOOD FAITH '' to correct.
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

I have visible debt collection which was paid in full on XXXX the amount of {$120.00}. I have mailed letter from XXXX of my account balance {$0.00} to the XXXX. Three years later my credit report still shows unpaid ballance. Please resolve this issue so that my account will be clear of any collections. 
Attached please see documents from XXXX and to XXXX proving my payments. 

Sincerely,
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TN)

I recieve calls just about every hour. I recived 7 calls on XXXX XXXX, 2017. This is just one example. There are many more examples. I recieve these repeated calls even after i talk to them as to when i am sending a payment.
Consumer complaint received 2023-02-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX . Account Number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2015-04-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data Line Credit Corp (CA)

XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX which I traded in my XX/XX/XXXX Volvo.I then signed contract and release of liability to the dealer.I still have the contract.Three years later I received a letter from a collection agency that I owe them XXXX dollars for the car I traded in, that was towed from XXXX XXXX XXXX XXXX said at the time the car was still in my name.So I went back to the dealer and the dealer before was sold to another company.I spoke with XXXX XXXX and did what they told me and it is still on my credit report.I am really frustrated on what I am going through.The collectors will not listen to me.What can I do.The agency is Dataline Collections in XXXX XXXX California.
Consumer complaint received 2016-10-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (GA)

This is the sixth time in 2 years i have complained about this company ever since i bought this car from them we have so far paid more then XXXX in repairs for the past 3 months we cant even get this car to pass emission and therefore cant get our tag the car has been undriveable we informed them but they still report us late on our payments they will not take the car back and have attempted to process payments we told them not to causing us extra charges they claim to cfpb that they try to work with customers but they do n't
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

These Inquiries do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (WI)

I do not receive statements/bills or any other documents from SallieMae. This has been going on for a year and is still not fixed. My XXXX 2016 statement was not even sent or generated on my account in a PDF for me to view, so my payment was late. I 've called numerous times and the customer service people just ask questions, procedure I get it, but after that tell me everything looks fine. I 've changed how I receive information to paper form and that has not helped, in fact XXXX 2016 should have been the first paper form and as I said, that was never sent. The representatives become rude when I get upset and it seems that they no longer want to help me. They just tell me to pay my bill, even though my date was changed with my XXXX loan and I was not notified. My tax for went to my co-signor instead of me which I was told should not happen. I should receive statements, no questions asked. I was not charged late fees, but am still upset.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (LA)

Care Credit company continues to have deceptive practices regarding interest rates on cards even after they were orderer to discontinue their unfair and deceiptive practices. I was in need of XXXX and I did not have XXXX insurance at the time to cover the cost. I was offered the card by my XXXX office. They did not explain in detail about " promotional periods '' or " deferred interest ''. The more I pay on my balance, the larger it grows. I am recently divorced and can not afford the growing balance on my account. It has also impacted my credit score as well. I would like a resolution to CareCredit 's unfair and deceptive practices. 


" According to the CFPB order, since XXXX 2009, consumers who signed up for the credit card frequently received an inadequate explanation of the terms. Many consumers, most of whom were enrolled while waiting for health-care treatment, incurred substantial debt because they did not understand how they could have avoided deferred interest, penalties, and fees. The CFPB began investigating CareCredit after receiving XXXX complaints from consumers. During the course of its investigation, the Bureau found evidence of : Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredit 's limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 
Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a 26.99 percent interest rate. 
Poorly trained staff : Many staff members in the health-care offices, who were responsible for explaining the CareCredit agreement to borrowers, had received little or no training by CareCredit, and relied only on pamphlets. In interviews with CFPB investigators, some providers admitted that they were themselves confused by the deferred-interest card. ''
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (CA)

My credit limit with my card is {$8000.00}. I wanted to make a purchase for about {$15000.00} on the card, and so therefore, I prepaid my credit card by {$7000.00} to effectively increase my spending limit to {$15000.00}. The card issuer did not restrict me from making the prepayment and therefore I did so. When I made the purchase, it was declined. Upon talking to customer service at the credit card company, they said that the act of prepaying the card does not increase temporary increase the credit limit -- contrary to intuition of providing the card company with a secured prepayment. I then authorized a hard pull on my credit to see if the limit could be permanently raised to {$16000.00}, taking into consideration the prepayment. The hard pull was performed and the request was denied. This hard pull will impact my credit for the next two years, and the company would not allow me to consolidate this hard pull with a previous hard pull I made to increase my credit line in XXXX 2015. 

In summary, I would like to make a {$15000.00} purchase with my card, and I prepaid the card by {$7000.00} thinking the limit of {$8000.00} would be effectively raised to {$15000.00}. This card company will not allow me to do so, and I believe it should since I provided a secured prepayment.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (OH)

I applied on line in XX/XX/XXXX Looking for a lower interest rate or 0 % for a few months it asking would want to do a balance transfer if I was approved. So I gave the information. It said I had been approved but never said the interest rate. Or anything else. I got kicked out of my home. So I never got the credit card to activate or decline the card. A month later the did the balance transfer without my permission. I called spoke to a supervisor names XXXX.Told him I did not want the card because the interest rate was w a y to high. He apoligisted said he would take care of the problem He said he would close the account and I would owe nothing. Now it 's showing on my credit report months later.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In the month of XXXX no action was done for this matter by the 3 credit reporting agencies. I have 2 accounts on my report with inaccurate information such has late payments ( Never late ) and wrong remarks with is not correct. XXXX XXXX XXXX XXXX Opened on XX/XX/2016 XXXX and XXXX XXXX  XXXX Opened date : XX/XX/2016 XXXX. Resolve these accounts.
Consumer complaint received 2016-02-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (TX)

County taxes were taken from escrow account with TheMoneySource by XXXX on XXXX/XXXX/2015 ( about {$4100.00} ). Refinance completed with XXXX XXXX/XXXX/2015, and taxes were instead paid by the title co ( XXXX ) on XXXX/XXXX/2015. County tax office confirms that any attempt by XXXX to pay after date would have been rejected and taxes were not paid twice. XXXX has refused to acknowledge that a refund is due, ignored numerous calls and even demand letter to locate these monies, and insists it will take months to figure out what has happened and effect the refund. Obviously we are into the third month already. XXXX 's helplessness and puzzlement is incredulous. With a few keystrokes they can most likely locate and immediately effect a refund.
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (NJ)

I got a loan through The Money Source in XXXX XXXX for a primary residence. In XXXX they sent me a letter stating that there was an escrow shortfall. I had to come up with another XXXX to cover the shortfall and even with this additional money my mortgage payments increased by ~ {$500.00}. In the meantime I was granted a 5 year property tax abatement by my township which effectively reduced my mortgage payments by ~35 %. I just received another letter from The Money Source stating that I had another escrow shortfall. They have now instructed me to pay another {$2400.00} and that my mortgage will increase, yet again, by another {$400.00}. I then went to the tax office in my township and requested a copy of the property taxes I paid last year. When I called the representative who handled my case back in XXXX, we went through the numbers and there is some mysterious amount of over {$7000.00} that is listed as an " actual '' payment that does not match up in any way with the document I received from the township. The statement The Money Source sent is very confusing and has " actual '' payments and disbursements listed. What 's the difference? Either they are guilty of gross negligence in calculating my property taxes not once, not twice, but three times ( because they also got it wrong prior to my closing ) or they are a predatory lender. The way the conversation ended was I was told that I had to pay the new mortgage amount, which now represents an ~ {$900.00} increase from the amount I was originally quoted I would have to pay, by XXXX XXXX. The statement I received is dated XXXX/XXXX/XXXX but I just received it today, XXXX/XXXX/XXXX.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (ME)

Good Afternoon, I dont know if you can assist me or not, but recently I applied for a XXXX XXXX credit card ( XXXX ) from Barclays. I was approved and did a balance transfer for {$5000.00}. I paid off my XXXX XXXX card and got 1 year free financing. I just had to pay a 3 % ( {$150.00} ) fee to do that. Which I consented to. When I got my first statement I noticed the new card balance was {$10000.00} so I called and was told there were two transactions for {$5000.00} to XXXX XXXX and that I would have to call XXXX, which I did. XXXX sent me a check for the {$5000.00} over payment. Which I cashed and paid on the new XXXX card. When I got my next statement, I saw a {$300.00} finance or other Fee charge. I called Barclays and was told there were two transactions and transfer fee of {$150.00} each.hence the {$300.00} charge. I told them I only had a {$5000.00} balance that I transferred. Apparently, being unfamiliar with the website and thinking that it did n't go through, unintentionally submitted it twice. Obviously not intentional.why would I want to pay {$10000.00} on a {$5000.00} balance. But I couldnt get them to waiver the fee as they said they carried out two transactions. Can you help with this? I am just seeking to get the second {$150.00} charge reversed.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, ME XXXX
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

This is a follow up to the complaint I submitted on XX/XX/XXXX, reference US Bank and the response I received from US Bank, dated XX/XX/XXXX.
Although this response is submitted after the timeframe of rebuttal, I am submitting so that Consumer Financial Protection Bureau will be allowed to publish the additional experience for other Consumers to be aware of.
As stated, I did receive the response from US Bank, however, the response was not adequate to my complaint.
My complaint specifically advised of the issue, but most specifically advised that US Bank held my Pension Funds, verifiable funds that has been deposited in my account for 5+ years, while they off-setted my accounts. US Bank advised that they had to verify any deposit of funds when off-setting accounts, and therefore held my Pension -- Again, these were verifiable funds, and I was advised in my original complaint by the Federal PPDept in XXXX DC, the Bank 's action was and is illegal.
Furthermore, due to US Bank 's action, they created a Hardship. I was not allowed to pay on time, my mortgage, utilities, bills, ect, and from their action, I received numerous late fees.
Therefore, when I received US Bank 's response, dated XX/XX/XXXX, and read the content, I was appalled at the jargon. The person responded clearly did not read my initial complaint, nor the content of my concern.
The response included verbiage of Bank Deposit Account Agreement, and Account Transactions. The person even went so far as to list when my Pension was released to me in the Bank, but they failed to list that the only reason why the Pension was released to me is because I reached out to the Vice President of the Bank and asked for assistance due to the dire nature of my Pension being held.
US Bank once again proved their dishonesty in responding to my initial concern- Withholding my Pension.
The response also advised to contact my Local Branch, if I have any additional questions. For one, I will not be contacting a Branch, and they are not a Local Branch for me since they closed my accounts. That statement to me is absurd.
In addition, since the time lapse of this experience, I have received numerous correspondences from US Bank, one in particular, dated XX/XX/XXXX advising that my account ending in # XXXX was reopened onXX/XX/XXXX, REALLY? and additional account correspondences. I also received a call from the Manager at the XXXX, CA location, whereas she left a message. Why am I receiving any contact from this Bank, letters or calls? ... .It is apparent that US Bank does not execute proper protocols, and in my opinion, this is a form of Harassment. Since US Bank severage the relationship, there should be no further direct contact, and as of the writing of this additional complaint, I am stating, that I do not want any further direct contact from the Bank from any level.
Thus, this reaffirms my belief from my experience, that US Bank 's Consumer Relationship Reputation is Atrocious!
Consumer complaint received 2016-10-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

I continue to receive phone calls from a company at XXXX. They identify themselves as Acme Debt Collector. They are looking for a person by the name of XXXX. I have explained to them that it is the wrong number. I have asked them to remove me from their calling list, however they continue to call.