davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (MD)

I currently reside in XXXX, but this loan was established online when I lived in XXXX, XXXX My first challenge is the validity of the loan since it is prohibited in XXXX, XXXX XXXX. The other, is the interest rates originally 135 % then reduced to the current rate of 84 %. This seems more than the law allows based on XXXX usuary laws. I have already paid XXXX / Cash Call more than my original balance of {$2600.00}. Additionally, the amount I owe is more than the original balance. I offered to settle for an amout XXXX to give, {$800.00}. They declined and countered for nearly {$2500.00}. I advised them that I have been out of work since XXXX 2015 and could not continue to maintain this loan. Today, they called asking when my payment will be made, Due on the first of each month. I advised the rep. that I no longer wanted to be contacted regarding this matter as my last offer was my best. The call was discontinued.
Consumer complaint received 2016-08-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CASHCALL, INC. (CA)

XX/XX/XXXX, my wife XXXX XXXX XXXX needed money to return to school ( University of XXXX XXXX, XXXX ) in order to complete her study and obtain her degree of XXXX in XXXX with concentration in XXXX. I decided to take a Loan from Cashcall of average {$2600.00} in order to pay for all my wife 's school expenses. 
After receiving our XX/XX/XXXX taxes return, I decided on XXXX/XXXX/XXXX to fully paid off the Cashcall loan that with the amount of {$2700.00}. 

IF Cashcall need furthers information they must contact XXXX XXXX to enquire about that issue.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I was incarcerated for 5 years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in prison I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX/XXXX- Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX/XXXX   XXXX  opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX/XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -openedXX/XX/XXXX( 3 mos ) amont {$690.00} 5 ) XXXX
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I paid the account credit card off in full end of XX/XX/2020 and with XXXX payment. XXXX bill said I owed another $ XXXX+ interest. Got another bill in XXXX with more interest and late charges ( was out of town for a couple of weeks end of XXXX ). Called Citi XX/XX/XXXX. They gave a credit of interest and late fees for 1 month and said for me to wait a couple of days and call back for remaining interest and fees credit and for credit to be processed. I called today XX/XX/XXXX to find Citi had NOT given me the stated credit and I now owe $ XXXX+.  Spoke with supervisor to try and resolve the problem. 
Bottom line, account was paid in full XX/XX/XXXX, Citi charged bogus interest on XXXX statement and before XXXX payment was even due charged more interest and late fees. Called back to get the additional credit to clear the account and previous credit which they said they would give they did not honor. I have good credit ( XXXX says very dependable ) so I think they are trying to stick me. If they do this to 10k customers, that is a hefty amount of money.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (LA)

Synchrony Bank/Care Credit is reporting inaccurate information on my credit report in regards to a charged off credit card. I contacted XXXX XXXX at Synchrony Bank in XXXX of 2015 because I wanted more information about the account. XXXX stated that she could not give me any information about this account because Synchrony did n't have any information listed in their computer system. The only information available to XXXX was my name, social security number and a account number. XXXX advised me to dispute the validity of the account with the credit bureaus and Synchrony Bank in which I did. I received a letter from Sychrony Bank stating that they could not provide me with any information on this account because the account was sold to XXXX XXXX. Synchrony Bank also verified the account as reporting accurately with the credit bureaus but they can not provide me with any documentation on this account. Synchrony Bank/Care Credit has violated the FCRA by verifiying inaccurate information with the credit bureaus and proper documentation can not be supplied. How can they verify this information without the proper documents.
Consumer complaint received 2017-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

On XXXX XXXX a check was sent to Navient via certified mail. The check arrived and was withdrawn from the account the the XXXX. The check had the account number in the memo line. After not seeing the payment post on my account, I contacted Navient and was informed that they dont have record of the payment. They requested a bank statement to confirm the money was withdrawn. I refused to send a statement as the check was written from a business account and I find it ridiculous that the company was able to deposit the check and now expects me to send more financial documents.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (OH)

My XXXX accounts with Barclaycard were closed on XXXX XXXX, 2015. I have been given next to no information on why, just vague statements like " due to terms and conditions '' or " bank policy ''. I have written a letter as instructed to request more information and received a very generic form-letter response with no additional information. I just spent over an hour on the phone with representatives and a supervisor and they were still unable to give me any indication as to why my account was closed. 

Since my account was closed, my XXXX points were forfeited, and even though I had valid charges eligible to be redeemed at the time the account was closed, they refused to allow me to redeem against them.
Consumer complaint received 2015-04-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (CA)

I had an US Airways card with Barclays and have not carried a balance in years. I missed the statement that had my annual fee and they subsequently charged me XXXX late fees and interest on an annual fee and compounded interest on the late fee, this violates Reg Z and CARD Act. They reported me 120 days late and have caused severe damage to my credit report. Again, no purchase was made it was all money compounded on a {$75.00} annual fee that came out to {$250.00}. I have paid this because at the time I did not understand my rights, I want a refund and all late notices removed from my credit.
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: BARCLAYS BANK DELAWARE (NC)

Barclays is harassing me nonstop. They have hired XXXX XXXX XXXX to collect a credit card debt from me. I fell on financial hardship and am unable to get ahold of anyone to try to resolve this. They are using auto dialers but when I try to get through to them, I am always passed around. I will settle for less than owed if Barclays will work with me. The harassing me has got to stop and the attorney they hired XXXX is of no help. i will not be treated like i am less of a person or told that I should n't use credit if I ca n't afford it. That is unprofessional!
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (VA)

So Master Card Barclays Luxury card was being offered to XXXX military personnel with 0 % interest and no annual fees for as long as you were XXXX. After having the card over a year they decided to send out letters saying that they will now be instituting an annual fee starting the end of XXXX 2018. Now I know its a good deal but are they allowed to change the contract after they have already promoted and offered the initial contract. Should n't that be a grandfathered in situation due to the fact they lied about the card to get you to sign up then change the rules using a loop hole.
Consumer complaint received 2015-06-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

CFPB Case XXXX ( XXXX XXXX XXXX ) CareCredit Acct Ending in XXXXWe continue to dispute the billing practices and strange late fees and other " sales '' that this company has continued to leave on our credit reports since 2006!! In investigating Synchrony Bank today I learned that they have over XXXX Complaints that have never been resolved! In my opinion, this bank will probably never reveal how much income they receive from these practices of strange " sales '' fees and late fees that actually were a product possibly designed to create income from those actions. BEWARE! I will continue to discuss this with senators and congressmen until those old, irregular data is removed from our good credit!
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (TX)

I have XXXX credit accounts with Synchrony Financial : Amazon Store Card and Banana Republic XXXX Visa. The address listed on both accounts has inexplicably changed to incorrect addresses and I am unable to correct/update via the website ( s ) or customer service. I was told by customer service that it had been corrected but no change ever appeared. The address listed for the Amazon Store Card is not my address, has never been my address and was never provided by me. The address listed for the Banana Republic XXXX Visa is undeliverable as it is only an apartment number with no street address and incorrect zip code. Aside from being unable to receive paper statements I see that Synchrony has now reported at least one bogus address to a credit reporting entity.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (FL)

I was informed today by my credit card co., Barclaycard, that there may have been a breach of my info, and that I was being issued a new card as a result. I telephoned 3 different offices of that bank to determine where the breach occurred. No one was able to answer that question.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (AZ)

I currently have a discrepancy of {$220.00} on my account. When you add up my current balance transfer and purchase balances, customer service states that I owe them more than I actually do. Every month I need to call in to customer service and speak to a manager to get my balance corrected. I am beginning to believe that the employees working for Barclay flunked out of grade school and are too stupid to know how to add and subtract. I have talked to several supervisions who have seem the error but refuse to fix the error and demand that I pay it.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (MT)

This complaint has multiple parts : 1. Similar to CFPB Complaint IDXXXX, Synchrony Bank recently " upgraded '' my account from PayPal Smart Connect to a PayPal Extras Mastercard. My old account with a long history has been marked as closed on my credit report and a new one has been opened which has hurt my credit score. 

2. I made a purchase on XXXX ( XXXX/XXXX/2016 ) where promotional financing was offered if I used PayPal Credit to pay for my purchase. The promotion stated that I would receive 6 months no interest financing with an APR of 19.99 % after the promotional period ( it now displays as 12 months no interest financing ). The purchase was made using PayPal Checkout and my line of credit with PayPal was chosen as the payment method. Upon receiving my statement dated XXXX/XXXX/2016, the purchase did not specify that it was subject to promotional financing terms. After contacting customer service on XXXX XXXX, 2016, the representative confirmed that my purchase was not subject to promotional financing. 

3. Upon further inspection of the statement, I noticed that the Annual Percentage Rate listed on my statement is 27.24 % variable. After reviewing the terms and conditions for my account, I should be receiving an interest rate of 20.24 % APR or 24.24 % APR for standard purchases depending on my account type, which has not been disclosed to me. Furthermore, promotional purchases are listed as an option at the end of " SECTION XXXX : RATES, FEES AND PAYMENT INFORMATION '' in the account agreement for the PayPal Extras MasterCard.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 I sent the Consumer Reporting Agency EQUIFAX a Certified Letter Tracking # XXXX with green return receipt. asking EQUIFAX to do a full investigation of the account that is reporting on my Consumer report.

the Consumer Reporting Agency stated, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX was properly investigated and all the information was accurate, but how is that possible if the DATE LAST REPORTED is inaccurate because according to the Fair Credit Reporting Act,15 USC 1681 the CRA ( EQUIFAX ) was suppose to update the date on the date last reported to the date when they verified the account, so because they did not fix the inaccuracies that means they did that do a proper investigation and this is a Violation to my rights as a Consumer.

Also another violation Pursuing to the Fair Credit Reporting Act, 15 USC 1681b - Permissible Purposes of Consumer Reports ( a ) Any Consumer reporting agency my furnish a consumer report under the following circumstances and NO OTHER ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

so EQUIFAX provide me with the permissible purposes document that I the consumer gave you written permission to furnish or publish any thing on my consumer Report.

So now Im REQUESTING the Permissible Purpose document, and if you can not provide this document I demand you DELETE this account
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

On an account I had little or no activity in, they ( Macys ) incorrectly billed me and the bill did not arrive for me to pay. I would gladly have paid.As can be seen by the dates, I opened it on XX/XX/2015, the delinquent was reported XXXX and I closed it on XX/XX/2015. They had a billing problem at that time and I did not receive a bill. 
When I did, they reported it as delinquent. Some years later, I agreed to pay the entire balance if they would delete the report. I had not followed up to see if they deleted the report. In fact, they had not. It is still being reported as a " paid chargeoff '' which I dispute due to they had a billing problem, not my unwilling or able to pay the balance. 
Also, this is still being reported and affects my credit score.
Consumer complaint received 2023-02-01
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. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I disputed inaccurate information with Equifax and XXXX  reporting agencies on XX/XX/2020 by mail. I sent proof from bankruptcy court and also received mail with information that been claimed is mines with another person name and phone. Im contacting to get help with this matter
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account XXXX : XXXX XXXX Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

I recently pulled a copy of my credit report and noticed this unknown creditor. I contacted them on XX/XX/2020 asking for a validation ( proof ) that the debt is mine. However, the address they reported to credit bureaus was incorrect and did not deliver properly. I then resent the letter to the correct address on XX/XX/2020 which they received on XX/XX/2020. I know they received the letter because I have receipts of their signature via certified mail. According to the Fair Credit Reporting Act, creditors are to reply in 30 days form the day they receive the dispute. Conns failed to do so. I sent them a follow up letter on XX/XX/2020 which they received on XX/XX/2020. They replied within time and asked for my social ( which was already given in my initial letter ) and account number ( which I do not have since I don't know where this account came from ). As a response I sent them a copy of my credit report and a letter explaining that I do not have that information and they did not reply yet again. In addition to them not replying, they also did not furnish the proper disclosure dispute statement. By law, creditors must notify and update a dispute disclosure to credit bureaus which states that the consumer ( myself ) is disputing the account. Creditors have 30 days to do this and they failed to update a couple of times. I am tired of complying and doing my part ( following the laws ) in resolving this issue. Conns is not being compliant and this is seriously harming my credit score. I need a response fast in order for this situation to be solved.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

Funds for a credit card payment where pulled and it was in amount XXXX over the amount owed on the card. I called Synchrony bank to get that money refunded back to my bank because the balance on the card was XXXX when the money was pulled leaving a negative balance on the card of {$350.00}. They refused to send it back to the bank and stated that they can only mail it through physical check even though all transactions up to this point have been electronically. I stated that I 'm currently homeless and that I do not have a physical address to mail it to. I then offered for them to mail to the bank and they stated that they ca n't do that either. I was told that their policy is not to send any fund electronically as it pertains to its consumers even though over XXXX % of their business is throuugh electonic transfer of money. The Credit Card agreement did not stipulate that funds had to be sent directly to a physical address for the card to be used.
Consumer complaint received 2015-11-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

I have been regularly paying my Synchrony Bank bill. The account balance at the last statement was {$840.00}. I went to pay today and I have {$3400.00} in interest charged this month. They told me the 0 % interest came due on XXXX/XXXX/15 and if I do n't pay the {$840.00} off, I will then be required to pay this extraordinary amount of interest. I had no idea this would happen and am at a loss. Is this legal?
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (TX)

Every month I use XXXX to buy things I may need. But every month I get through the whole purchase and realize that the card information is taken and the purchases have been going through then the company of XXXX closes the page and I can't get back to it to see if it was paid or not and I checked XXXX turns after never getting the things I bought and they have been going through for the girl across the street to rip off my card on some internet fraud scam they hooked my laptop up to.amd I have called 50 times to discuss it and the company won't talk to me so she has manipulated them as well.