davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (AZ)

Conns Furniture gave me a high interest rate loan. 
XX/XX/XXXX, I became ill. and fell behind two payments. 
The payments have since then been paid in full. 
The constant harassment of calling from XXXX different phone numbers continues. The calling of friends and family members continues, when asked that they stop. They said they would when they received XX/XX/XXXX payment. In regards to the Fair debt Collections Practices Act. and The Fair Credit Reporting Act. I really need for Consumer Financial Protection Bureau to step up and give real assistance. I have continuously filed complaints with CFPB, Since XX/XX/XXXX and now XX/XX/XXXX. As long as these loan companies are vendors to the repositories they will report whatever they like and they really need to be held accountable. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (NY)

I have a care credit care with synchrony bank. I have had this card for several years, with no problems. However on my last billing cycle I had an undeferred ( due in 25 days ) amount of {$110.00} charged on XX/XX/XXXX and a deferred amount for {$83.00} ( due to expire XX/XX/XXXX. I also was carrying a deferred interest charge ( due to expire XX/XX/XXXX ) of {$230.00}. I wanted to avoid interest so I paid {$190.00} on XX/XX/XXXX ( the underferred amount of {$110.00} plus the soon to expire {$83.00} ). When I received my statement for this current cycle there was a {$2.00} service fee and a balance of {$25.00} from the XX/XX/XXXX charge. I called the company on XX/XX/XXXX and asked why they did that as they had never misunderstood my intentions before. I was told I had to call and tell then to apply the payment to the undeferred amount. They said they had to follow federal guidelines and apply these amounts as they did. From what I can read on the Federal guidelines a company must allocate a payment in such a way as to minimize customer interest and fees. This is not what has happened. There was no reason to apply any of this payment to the {$230.00} amount as it was not due to expire for another 10 months. I find this reprehensible and an unfair practice as regards the consumer. I called the XXXX card people today ( who are also with Synchrony Financal ) and they told me I could not direct them to apply my payment to the undeferred part of that card until the payment posted so I would have to call them back. They could NOT put a note on my account indicating that was my intent with the payment I sent them.
Consumer complaint received 2020-04-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (NJ)

I received a letter for XXXX XXXX XXXX at XXXX, located in XXXX Wisconsin. They were notifying me of a debt owed to discover student loans. I am disputing the amount and want to request more information but they have not returned any of my phone calls/voicemails. I did some research on the company and they have been a part of several lawsuits for deceptive practices and trying to revive old debts. Clearly they are a shady company and this is ridiculous they are allowed to handle this. I can not afford the debt amount and will need to work with someone to make an arrangement that works for me, however they refuse to answer me and they are doing it on purpose so the 30 days runs out. They write this is an attempt to amicably resolve the debt but its not because they are not responsive. These companies are snakes and look to hurt people. I want this removed as a debt and this better not make it to my credit report.
Consumer complaint received 2015-11-15
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank offered me a hardship program in response to a past due amount on a XXXX account. After talking with their agent, I agreed to have a series of automated payments deducted each month from XXXX/XXXX/15 through XXXX/XXXX/15. My understanding was that in agreeing to their offer, my account would report as being paid current to the credit bureaus and late fees would be waived for the duration of the program. However, despite making my payments on-time as agreed, Synchrony Bank is still reporting my balance as being 60 days late and still charging late fees.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (CT)

Safe Step tub was installed XX/XX/2015 and credit card account opened for {$10000.00} of debt. XXXX at XXXX, and her XXXX daughter, were in no way able to make this purchase. Furthermore, XXXX has no XXXX that require her to use a XXXX and she is quite capable of bathing or showering in a regular set up. 
I have been contacting Synchrony since XX/XX/XXXX about this account and we continue to receive bills with past due charges. I have asked repeatedly that all those charges be rescinded and that any new charges be suspended until this matter can be fully investigated. I have not been contacted by Synchrony Bank at all - other than to continue to receive billing. Yesterday, I was stunned to learn that Synchrony has placed this account into collection with XXXX without so much as responding to even one of my many letters and numerous telephone calls. Today I am sending copies of this correspondence to the following agencies and asking each of them to conduct their own investigations into this matter as well as into XXXX 's business practices of targeting XXXX citizens and Synchrony 's business practices of opening credit card accounts and placing these XXXX deep into debt.
Consumer complaint received 2017-02-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (PA)

I financed an auto loan through my local XXXX dealer. I had automatic payments taken from my checking account each month ; the checks were taken by " JP Morgan Chase '' for the auto loan. XX/XX/2017 I received a letter from XXXX XXXX XXXX stating that I should make the final payment on the loan by check. I did send a check to XXXX XXXX XXXX for that final payment in the amount of {$540.00}. However, 5 days after that final payment cleared my checking account, JP Morgan Chase withdrew {$540.00} from my checking account. Therefore I overpaid my auto loan by {$540.00}. On XX/XX/2017 I called Chase Auto Finance to ask them to refund my {$540.00} overpayment. I was told to submit documentation in support of my overpayment claim, which I did on that same day-XX/XX/2017. I have enclosed the XXXX page document " package '' I send to Chase. Since I sent in the documentation I contacted Chase several times and been repeatedly " jerked around ''. Chase 's comments have been that they are " researching my claim ''. In the meantime I contacted my bank to put a stop payment of the Chase automatic withdrawals. That stop payment will cost me {$33.00}. Therefore I would appreciate your checking into this matter for me. Me phone number, e-mail, etc. are included on the enclosed document package. I just want my {$540.00} overpayment refunded to me. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (CO)

I have a Sams Club Credit Card issued by Syncrony Bank. The account ends in XXXX. Today I logged onto the Synchrony web-site to check the statement balance on the card, I was unable to determine that information, though the current balance in prominently displayed. Unable to find the information, I call Synchrony Bank and spoke to a customer service agent. The agent, very polite, informed me that I could not see that information on the web-site, nor could she provide it to me by telephone, because I had not enrolled in e-statements. She did offer to mail me new statements that would arrive in 6-10 business days. While I do not know if this is a regulatory issue, it seems the intent of Synchrony is to withold information from clients who wish to continue receiving paper statements. Being over XXXX, I am not comfortable relying soley on this delivery method.
Consumer complaint received 2016-08-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (FL)

QVC XXXX XXXX, I never gave permission to discuss Employees told XXXX different family members exactly what and how much I owed on easy payments, some things which were returned even do not owe.That is in collections at this time.Even credit and debit cards which was used.One was daughter in law, other my ex.Totaling XXXX is personnel information. Given out XXXX is invasion of my privacy.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

XXXX XXXX added services that I had not requested, did not use and refused to credit to my bill. 
I called and was given conflicting information. Asked to speak with supervisor and was told he was busy, but would call me back. I am still waiting for call. Received three bills from 2014 XXXX XXXX the XX/XX/XXXX. All were different amounts and said service would be cut off XXXX XXXX. Service was cut off last Saturday of XXXX. I have never received a phoned call or paper bill from XXXX. A collection for {$170.00} is now appearing on my credit report and I firmly dispute this claim. My credit score has been damaged going from over XXXX to XXXX, I am trying to refinance my home and it is hurting my ability to refinance. I feel like I am being extorted by XXXX and XXXX.
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

This letter is being sent to you in response to a listing on my credit report from EQUIFAX Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
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. (NY)

I am submitting this complaint in regards to two accounts XXXX Bank and XXXX XXXX XXXX XXXX that I demand be removed from my credit report. I have submitted an FTC report ( number XXXX ) on XX/XX/2021 with my driver license and social security card to Equifax and they have not removed these two accounts. According to 15 USC 1681 b a ) any consumer reporting agency may 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. I have not provided written consent to have these accounts on my credit report no consent is identity theft.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I have over XXXX unauthorized credit inquiries on my equifax report.. I have sent out certified letters to the creditors and have also tried disputing it with the bureaus. They just keep telling me that there is nothing they can do about it. They said I need to contact creditor which i have done at least 3 or 4 times. Ive tried calling and also sent out the certified letters. Please help. My husband and I are trying to clear this up because we are trying to buy a house. 

Below are creditors and dates of the 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 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, 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 All others were authorized. Thank you so very much.. I dont know what else to do!
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

I called exquifax on XXXX. XXXX, at XXXX time. to request for my credit score. Equifax refused to provide me any information I 'm entitled to access under the Fair Credit Reporting Act. I told the representative I 'm willing to provide a copy of my XXXX driver 's license, Passport, XXXX, Bank Statement and credit card statement, they still refused to provide me my credit report & score because I do not have SSN and I 'm not able to get XXXX. ( XXXX refused to issue me XXXX because of im on student XXXX and not allowed to work ) The Fair Credit Reporting Act states that I have the right to obtain my credit report and score, and it does not require a social security number. Name, address, date of birth is sufficient to locate credit profile ( XXXX provided my credit profile through those information ). Passport and Driver 's license should be sufficient to prove my identity. ( Sufficient for XXXX to prove my identity )
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OR)

I have filed numerous disputes, information gets updated/corrected, then gets changed back to incorrect information. After numerous calls and discussions with several manager-level Equifax employees, nothing is resolved. For example, I have submitted documents that support my personal information. In this instance my 'name ' is XXXX XXXX XXXX , NO - suffix XXXX.. Equifax claims that a creditor is reporting the information but I have verified that none of my current creditors are reporting a suffix on my name. 

In addition, multiple credit accounts not being reported correctly such as status, balances, etc. I have called XXXX 's, XXXX, XXXX, XXXX XXXX and they all state that Equifax is a nightmare when it comes to reporting correct information. 

Also, all information is reporting correctly on XXXX, XXXX, and XXXX. This problem is only indigenous to Equifax. I have been checking my report on a daily basis, submitting new disputes, having creditors re-report the correct information. However, Equifax dispute system does not function properly. I am exhausted from this serious matter, please investigate this credit bureau.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

Equifax is reporting items on my file that do not belong to me. Someone opened a Citi card in my name and charged up {$3000.00} as well as went to get medical care. I have sent them the identity theft report as well as police report all they do is say verified without sending me any contract or anything with my signature. They are also reporting a Judgement that does not belong to me. I told them these items do not belong to me. Equifax continues to ignore me.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX ( XXXX ) and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on XXXX and Equifax. In XXXX, XXXX I received notice of XXXX submitting their portion of the {$47.00} payment to XXXX XXXX and an updated billing from XXXX which also reflected XXXX payment of their share of the bill. I then paid my balance to XXXX XXXX which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Equifax from XXXX ( XXXX XXXX '' ) for the original amount of {$47.00}. This should never have been sent to Collections, as my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Equifax. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Equifax Mortgage Credit Score is in the high XXXX with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Equifax.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WLCC (AL)

I took a loan out with this company on XXXX XXXX, 2016. The payments were automatically withdrawn from my account every week. It was scheduled to continue for 20 weeks to have it paid off. I made XXXX payments on time and then had an issue with my bank and was working on changing my account number. I revoked the ACH payment and was told that was changed. I continued to receive late notices and charges along with returned payment fees even though they were not trying to put the payment thru. I sent them notice on XXXX XXXX by email and XXXX mail to let them know that I would not be paying them all of these fees and to stop all communication by phone. They continue to call and send me notice of returned fees.
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions (GA)

Previously had a lease with XXXX XXXX between the months XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX agreed to let us out our lease with no penalty and any additional fees on XX/XX/XXXX through a signed release agreement which stated that we would not pursue civil actions. After this was signed the apartment complex as sold to a new property management company, XXXX XXXX, who is trying to collect on behalf of XXXX XXXX. We received a notice on XX/XX/XXXX in regards to a balance due. We question some of the fees associated with the balance as they were to be removed were still listed. We requested from the collection agency and the property management a copy of a itemized and detailed statement, but was never provided XXXX. We then sent a letter stating that we would be initiating a civil proceedings to get the things we need and to pursue civil penalties. We were contacted by an attorney who threatened to sue us and take us to court if we pursued civil action against them. Through out contacts with the attorney we requested a itemized copy of our final statement. He agreed and sent the request on XX/XX/XXXX. I have attempted to follow up with XXXX XXXX XXXX on several different occasions with the most recent occurring on XX/XX/XXXX in regards to a statement and itemized bill. The leasing consultant refused and stated that she could not help me. The collection agency stated that they are no responsible for the balance and the contract is now between Rent Recovery Solutions and myself. They stated that the balance is due to them. 
The collection agency was faxed a copy of all the documents I hade pertaining to the balance but on XX/XX/XXXX they claim they never got them. I was able to retrieve a copy of the fax cover letter and confirmation which clearly states that I indeed sent the information. 
Now the account is in collection and we as the consumer have no way to verify the amount the debt or the accuracy of the balance. We also agreed to pay the balance due once we received a itemized statement with the correct final balance. 
The collection agency, the attorney and the property management have failed to provide us with a final statement. The only thing close to a statement is the letter from the collection agency. 
The charges that should have been removed and are in question include : {$75.00} Return Check Fee {$1000.00} Early Termination Fee {$97.00} Late FeeWe were also to be given a credit of {$330.00} because the apartment was not move in ready but that fee was removed and without being provided a notice. 

Again we would like to have this balance paid in full as soon as next week but only if we can see an itemized bill to verify if all the fees were correctly adjusted.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (TX)

I have Discover for my Credit card and for a personal loan. For some odd reason discover never received my payments, which I have everything on auto-pay. I have been paying double with both accounts to get caught up, but now they are telling me my account wont be unlocked until XXXX 2016.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

I have sent Experian XXXX dispute letters. XXXX dated XXXX/XXXX/15, XXXX dated XXXX/XXXX/15, and XXXX dated XXXX/XXXX/15 and all I have received back was a letter from them stating that my request was " suspicious '' and them thinking that my letters are coming from a third party. My XXXX letter I sent I even attached my driver 's license and a current utility bill verifying my identity and to show that these letters are coming from me and I am disputing this on my own.