davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

i reached out to you and you refused to removed my old address from my consumer credit report which goes against 15 USC 1681 as it clearly the states the important of maximum possible accuracy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 




You are reporting wrong personal information on my consumer credit report such as my address I ONLY HAVE 1 address which is my current address.listed on my Consumer Credit Report ALL OLD ADDRESS SHOULD BE REMOVED.
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: TRANSWORLD SYSTEMS INC (CA)

Hello : XX/XX/XXXX, XX/XX/XXXX, I consolidate my student loans. Than XX/XX/XXXX I received a notice that my student loan for {$7100.00} was being collected by a collection agency. When I spoke to the agency, they would not work with me, they wanted payment in full or they would garnish my wages. I could not get a loan or borrow this amount, so my wages were garnished. XX/XX/XXXX the account was paid and my wages were no longer garnished. As of this morning, I ran a credit report and it shows that National Collegiate Trust as me in collections starting XX/XX/XXXX is the amount above and it is not paid. I contacted the agency reference as collection agency XXXX XXXX XXXX at XXXX, they indicate my account was turned back over to National Collegiate Trust XX/XX/XXXX with no other status they could provide me. I am lost as to how to get this removed from my credit or show it has been paid in full on my credit. I am trying to buy a house and I am being denied for this account. Thank you, XXXX XXXX
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (VA)

I found a collection for an old utility bill that was paid several years ago. It was reported by Transworld Systems on XX/XX/XXXX. I never received notice of this collection to be able to dispute. I spoke with several people at the collection company, XXXX telling me that they showed the debt had been paid in XX/XX/XXXX. A supervisor told me they were mistaken. When I asked them to remove the collection from my report and send me documentation on the debt, I was told that it was a process and would take a while to resolve. 
I spoke to the original Creditor XXXX ( Who I still have an account with ) to address, they told me they did not know why it was reported, they showed no open collection account for me.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

My original loan was for XXXX of the total I owe on my loan at this time. I was always told if I can not afford to pay to put my loan in forbearance not realizing that all interest would be tacked on to the end of my loan and I would be stuck with 3 times the balance. I called multiple times to find out about how to reduce my payments and was never led in the right direction other than to forbear. I was not making a lot of money and could not afford to pay when my balance was XXXX and approximately one year ago I began to make more money and called to get the ball rolling on repaying my loans to find out that I owe XXXX and can only afford to make interest only payments even with my higher earnings. I requested a loan forgiveness but I am told I do not qualify, I asked if I could come to an agreement with them and pay a lump sum to them to clear the debt but they do not offer any such payoff types. I have a family of XXXX including myself and my wife and this added huge debt that occurred over years of being told to forbear my loan and has now created a never ending payment that even into my retirement years ( if I can ever retire ) I will still be paying a huge monthly bill for these loans. I borrowed maney for college not realizing that I would work for my entire life to repay them and can now find no help from my service provider Navient.
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

It 's an automatic recording from Macy 's to get a credit card. When you call XXXX you get Macy 's phone tree routing system which continues to ask for your account number for which I have none. When I finally got to a human being she had no clue why I called. She was there for receiving accounts open payments. This took over an hour to get to her. So there is no where to call to have them stop. It 's getting to be twice a day. Last week I relisted with the " Do not call list '' for both phones.
Consumer complaint received 2016-06-19
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A. (AL)

Citi Double Cash Card Last 4 digits XXXX. Phone : XXXX. 
Name : XXXX XXXX Address : XXXX XXXX Al XXXX PH XXXX There was a credit balance on my card ( citi bank owes me {$53.00}. ) I was owed this money for XXXX months and citi did not take any steps to refund me. Citi sent me blank check, I used XXXX check to get my funds Citi was illegal holding without interest. I wrote a check for the amount {$53.00} and deposit it to my account. Citi paid the check but charged me a fee of {$5.00}. There was no notice or info on the check that a fee would be charged. I want Citi to refund me the fee of {$5.00} and interest for holding my money {$53.00}. I called Citi customer service on XXXX/XXXX/2016 but citi refused to refund me the {$5.00}. Solution : I want Citi to refund me the {$5.00} and appropriate interest for holding my fund.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (HI)

I opened an account with Synchrony Bank/Lowes. My limit was set at {$1500.00}. I used the available limit and then made payments on the account bringing it down to {$1100.00}. I recently paid the balance down to {$800.00} dollars. After I made the payment they reduced my credit limit from {$1600.00} to {$840.00}. However they reported the credit limit decrease to XXXX credit bureaus but failed to report the correct credit balance which significantly affected my credit score resulting in the denial of a loan. So it currently states on my report that I have a credit limit of {$840.00} dollars with a balance of {$1200.00}. I contacted them prior to them reporting and they told me that they would ensure that my balance information would be reported correctly. They did not. I have paid my account consistently on time. They violated my trust with their unethical account practices.
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

On XXXX/XXXX/14 I opened an account with Synchrony Bank through a furniture company called XXXX XXXX. The loan was for {$2000.00}. The application was done by phone in the store by a representative from the furniture company. I was approved and bought the furniture. What I did not know is that this was a promotion with 0 % interest for one year, then after one year the interest jumped to 29.99 % on the unpaid balance. So, now I owe $ XXXX in interest on a {$2000.00} loan and I will never pay it off at this rate. I have been paying for over a year and I still owe MORE than the original loan amount. How can a private bank like Synchrony be allowed to charge so much interest? Other " promotional '' offers on other credit cards such as XXXX XXXX, etc. charge half of what Synchrony is charging. This type of bait and switch should be stopped!
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (TN)

I have a J C Penney account. My last XXXX orders have been cancelled without any explanation. I have called to speak to them and now I have been given or transferred to XXXX different XXXX numbers all with XXXX speaking people who have not answered my questions. I was told with each I would be able to do a survey on the call and was never given a chance to do the surveys. I would like an answer. I tried to call another number which was given to me by the .com number to my credit card company, this number was actually the first number I had called. XXXX.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (IL)

I have a credit card for Walmart through Synchrony Bank XXXX XXXX XXXX XXXX GA. XXXX. The credit limit is only XXXX and is at the limit because I lost my job XX/XX/2017 and am twice widowed, have no help and have not been able to find a job yet. I still have never been late on a payment until now! Pay due XX/XX/2017. They have been calling and emailing, which I want stopped is using all minutes on my prepaid phone I need for job search. I only want contact by mail. 
I talked to a rep today at XXXX ID XXXX I could not understand as from another country and asked if they would reverse just XXXX late fee so I could pay my payment out of my last unemployment check as my payment is normally XXXX but now XXXX, but he said I had to pay the full amount anyway which I can not do, have XXXX in bills coming in and u/e only XXXX wk and last check. I also let him know I have XXXX inter- views this week. I have sent out over XXXX resumes, all I can do!! I asked to talk to a manager, he put me on hold for several minutes and I had to hang up phone running out of minutes.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SYNCHRONY FINANCIAL (CO)

I was told I was getting a loan to pay for XXXX that I could pay off within 12 months with no interest. Then I found out after missing several payments that it was in fact a credit card. I was clearly mislead. I talked to the company, CareCredit in XXXX to clarify the situation and they told me my credit would not be affected, but they had already report my XXXX " missed '' payments to credit agencies. I talked to XXXX peope at CareCredit and they said " tough luck '' in a pretty rude manner. I asked to speak to the head manager, but they have not had the decency to call me back. XXXX
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Cash advance — 
Company: SYNCHRONY FINANCIAL (CA)

On my Chevron Texaco card I have XXXX balances, XXXX for purchases and XXXX for cash advances at a higher interest rate. I called because I wanted to pay my minimum and to make an additional payment to pay off my cash advance and was told I ca n't do that. In order to pay off my cash advance I have to pay off the purchases portion first. This seems wrong to me. I would never have used the cash advance feature if I had known this.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycard has " conducted an investigation '' internally into my issue and did absolutely nothing. The company is perpetuating fraud openly now with full knowledge that this account is not mine and have sent me a letter acknowledging the fraud. The company was made aware of a fraudulent account underneath my name and social security number earlier this year and the account is STILL OPEN. I filed a complaint on here and their representative called me, told me there is nothing they will do without further proof of my case and are still actively reporting a fraudulent account as one that is valid underneath my social security number. I have now placed extended fraud alerts on every credit bureau and will be pursuing legal action against this company. For any potential consumers out there here is what happened to me : Barclaycard began reporting a fraudulent account underneath my name and after I called in no less than 10 times to report this the account was kept open and reported on my credit reports with my social security number. After filing a complaint on here, a company representative called me and told me that they would conduct an investigation. They took 1 DAY to go through months of calls and openly accused me of committing fraud using this fraudulent card I never opened or wanted with their company. For any potential consumers stay as far away from this company as possible. There were multiple cases of fraud committed by someone using my social security number and each and every other company I have dealt with was helpful and wonderful with assisting me. Barclaycard is a perfect representation for what is wrong with the credit card industry. 

They are the worst company I have ever dealt with and will now be pursuing legal action against them for fraud.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MA)

My Jet Blue Visa credit card was sold to Master Card obviously without my consent. When my credit card account went to Mastercard, they charged me an annual fee. I did not agree to pay this fee nor did I sign an agreement with Mastercard agreeing to pay my annual fee. I 've asked them to shut down my account and waive the fee because I did not agree to the fee. I 've called and spoken to XXXX ( manager ) employee # XXXX and XXXX ( in a call center ) employee # XXXX
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (WA)

I have a Macy 's credit card account which has been in good standing since XXXX. In XXXX, XXXX I purchased a dress for {$100.00}. In XXXX I paid {$30.00} to my Macy 's account and then later in XXXX, I returned the dress and made a purchase of around {$40.00}. I was thinking that with the {$30.00} payment and the return, I was probably about even and assumed I would receive a bill for the balance, if there was one. I have not used the Macy 's card since XXXX. In XXXX I reviewed my Fico score which is provided by XXXX XXXX XXXX and I noticed that it had suddenly dropped from the mid XXXX 's to less than XXXX for " delinquency ''. But I was unaware of any accounts that were delinquent. I then pulled up my credit report and saw that Macy 's had reported me to all XXXX credit bureaus as being 90 days delinquent, which greatly impacted my credit worthiness. I looked online at my Macy 's account and saw that I had a balance of {$12.00} in XXXX and then fees and interest had been added for the next XXXX billing cycles. I saw that my account was " late '', that I owed {$35.00}, and that my available line of credit had been dropped from {$4800.00} to {$300.00}. I immediately paid the balance. My complaint is that Macy 's never called me, sent an email or mailed me a bill. There was never any notification to me, by Macy 's indicating that I had a balance due. Now, because I was never properly billed for the {$12.00}, I have bad credit. I am hoping that there is some way this could be remedied, especially considering the low dollar amount that I owed and the fact that I had never been late in the past.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (VA)

This concerns AT & T Universal credit card, which is a Citibank product. I have had an account for years with them. I pay my credit card by accessing their website and scheduling a payment to be deducted from my bank account, after I receive my statement. I annotate my ( electronic ) checkbook register as to the date I schedule the payment, which is shown in the register to be paid on the due date. My payment history shows a late payment here and there over the last five years. It also shows that the allegedly late payment is made immediately upon notice the payment is late. I have been perplexed by this as I am vigilant about credit card payments and do NOT have this issue with the numerous other credit card vendors with whom I do business. Based on this week 's recurrence, I now believe that Citibank deliberately but randomly fails to pull the scheduled payment to support its decision to maintain a default interest rate on the account. Up until today, I had not had a defaulted payment in a year and a half. I have been demanding a reduction in the interest rate ( it sat at 28.99 % after ONE day-late payment in 2012 for months, and has failed to drop below 25.74 % since then. I will upload the complaint I filed THIS WEEK with Citibank before this latest stunt. I can not help but believe they are doing this to consumers everywhere, as it is very hard to catch them at it. I have been blaming myself for inattentiveness for years but am now convinced that they have a deliberate policy in place. Also attached is a snapshot of my chat with them this morning. After my last comment, I received absolutely no reply.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank (NJ)

I accidently over paid my card. It is a prepaid card with a XXXX dollar credit limit. I have had a XXXX dollar available limit for some time now even though I owe nothing and have overpaid the card by XXXX dollars. the payment wsa smenat for my fiances acct. I havent asked for the credit back or even to apply it to something. I was instructed that as i spend on the card it will be taken out of the credit first yet I have tried to use the card and have been unable to. I was told payments had to post and i understand the float is their business model. Isnt there laws in place to limit the time they can hold money and not post it to accoutns? secondly they repeatedy accpet a payment then ask for a payment less than XXXX days later and if its not made it slate. Thats not possible, If you pay for example XXXX dollars on the XXXX wiht a min payment due of XXXX dollars how can the XXXX another payment is due or a late fee incurs when yo obviously made a payment that month. This company is a constant violater of proper financial parameters by delaying posting of monies and attemting to bill customers with overages and lates. I know I 'm not the only person who has brought this to your attention. I can see what they have attempted to do to me. I have money so i can easily rectiofy my situations before they get my money. I thought the federal govt was suppose dot monitor companies like this to protect consumers form abuse
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-05-02
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

My AmericanExpress/ Macy 's card had fraud transaction on XXXX/XXXX/XXXX, so called Macy 's to file a claim. However It took them over 4 months to finally clear charges ( on XXXX/XXXX/XXXX ) but delinquent status was still not cleared and they were the ones who told me not to make any payments since it is in investigation status. I have called them over 15 times to get this resolved and also, got a letter fro COO of Macy 's to apologize but all XXXX credit agencies still showing that acct is over 90days delinquent status ( do n't understand why ) and is hurting credit as i am trying to get a mortgage loan. It hurt my credit score of more than XXXX pts ( just found out from XXXX XXXX XXXX ) and I am seriously considering sue them for damages.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CT)

I have disputed several times that the XXXX account was not mine. You guys keep saying that you are verifying with XXXX that the account is mine. I spent over an hour on the phone with XXXX today and they could not find me by name, address or social. XXXX from XXXX sent an email of the call stating that i do n't have an account nor have I ever had an account with XXXX. He also put a copy of the escalation in the email that shows he requested for me to get a copy of this information on XXXX letter head. Im asking that with attached documentation that this account be removed immediately considering that this account is seriously affecting my credit score.
Consumer complaint received 2016-01-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

I 'm a previous customer that completed an approved Short Sale in 2015. I received my XXXX yesterday in the mail, it is incorrect. I made ( 4 ) separate calls to Citi Mortgage this morning, where no one could assist me apparently. I spoke to XXXX associates in Loss Mit and XXXX associates in Customer Service and XXXX Customer Service Supervisors. 
I was advised that by no means could I receive any kind of assistance from Loss Mitigation and to contact XXXX, this is the contact number that I used to reach them already. They stated not able to assist me there and placed me hold and the call dropped. The issue with the XXXX is that it shows the amount the house was bought for rather than what was still remaining after sale, ( deficiency amount ). 
This information has also been sent to the IRS and I 'm quite honestly appalled that better controls are not being practiced and performed to ensure that at minimum I ( the customer ) and the IRS are not being misinformed. CitiMortgage seems to not be able to communicate or reflect clear conscise information about the status of my loan. Per customer service it shows as closed, no further information. On the XXXX it shows foreclosed and when speaking to Loss Mit it shows completed ( short sale ).