davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Walmart Credit Card through Synchrony Bank on XXXX/XXXX/16. I was approved for {$800.00} and was told my card woul arrive in 7 - 10 days and that if I wanted to make a purchase that I could do so as I was being given a temporary card and that that card would be valid for 7 days. I had no access to the numbers, however I assumed ( wrongly ) that the information would transfer to my Walmart account and I could make a purchase. Also I was being offered a 10 % credit for a purchase up to {$250.00} if made that day. 
The information never showed up. I tried everything but all the numbers for Walmart customer service were closed for the day, and Synchrony has no customer service available on Weekends. So I called Walmart over 7 times on XXXX/XXXX/16 to try and resolve the issue. the supposed credit card division would not apply the temporary card info to my account or even try to resolve the problem. There response was I would have to wait to receive the card. after much yelling and swearing I cancelled the card and am in the process of cancelling my account with Walmart. 
After this I went online to read reviews and what a disaster Synchrony is to it 's customers, I would say 85 % of the complaints are from people who had bigger problems than mine that cost them money, time, and serious mental anguish. In cancelling my card I have a feeling I will never be able to try and open another card at Walmart. It is like you are blacklisted from ever opening an account. EVER. 
If I new that there wsa some legal recourse I would do that, hoever since I lost no money or credit of any type this would not be a winning case. But maybe the CFPB can request all the phone records for the XXXX of XXXX and find out if they are violating the law, and then nai lthem to the wall. I really wanted that card.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IN)

I bought kitchen backsplash tile from Lowes on XXXX/XXXX/2016 and had it installed on XXXX/XXXX/2016 by a subcontracting company called XXXX XXXX. The job was botched and confirmed by XXXX XXXX. The company offered to fix the job but I wanted a full refund. I 've been following the formal complaint procedures for 2 months and still do n't have a refund of {$1800.00} against my Lowes credit card.
Consumer complaint received 2015-04-02
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (TX)

Received JCP Credit Card with a mere {$150.00} limit. Used it a few times over XXXX months or so. My credit score was XXXX. Just by using the card, because the limit was so low, my credit score dropped to XXXX. Then I had late payments to JCP because they would n't accept debit or credit card payments online or by phone! They ONLY accept checking account numbers and bank routing numbers online or by phone. Said I could visit XXXX of their stores to make payment - uh - I shop online and never go into their stores any more! After many discussions with JCP they finally accepted debit card payment by phone today ( not until my credit score was dinged another XXXX points lower ) but charged me more than {$80.00} in late fees. You 've got to be kidding! NO ONE gives their checking account and bank routing number for online payments because hacking is too prevalent. Use of a debit card draws funds from checking without exposing the entire account to fraud. If something goes wrong the debit card can be killed. Who does JCP think they 're fooling and why are they making it so difficult for consumers to pay their bills and charging late fees when we do n't want to provide the newly demanded information? Maybe it is just a way for them to collect a lot of late fees. Maybe they 're about to go bankrupt. Insisting upon direct bank account info as the only phone or online method of payment should be illegal! Call their payment line. Listen to the recordings. You will hear that checking account and routing information is required now. No options for plastic or money orders etc. This is a recent change by JCP. How dare they penalize me for declining to provide my direct checking information! How dare they hurt my credit score because I refused to give them direct access to my bank! I want all of my late fees reimbursed NOW.
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Results Unlimited, Inc. (VA)

I am being sued for Non-Payment, but all payments have been sent on time as agreed, the payment in XXXX was returned said no such address in XXXX error, I immediately mailed payment back, they acknowledge the received on XX/XX/2017, this was only XXXX business days late, then I received letter impending legal action as well for Non-Payment, the received payment pry to sending letter, I feel this legal action is unnecessary and unwarranted, I am continuing to make payments on time as agreed. I was not properly served, I found the Warrant some distance outside my residence, and mailed from Debt Collector at letter date. When I tried to talk to the Debt Collector after receive letter of impending legal action, she would not or could not stop legal action, and was unwilling to compromise or resolve this issue due to XXXX error, and just wanted to add additional fees, the Debt Collector was unprofessional, insulting, and among other statements said I lack common sense. If they are granted a judgment I will have insufficient funds for housing expenses.
Consumer complaint received 2017-03-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (LA)

Optimum Outcomes is continually reporting that I owe debt to them. I have requested more information about the service and dates to verify I owe the debt and they are unable to verify the information. Currently there are XXXX items they are reporting and could possibly be related.
Consumer complaint received 2023-02-23
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-28
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BB&T CORPORATION (AL)

My complaint is against BB & T. The story begins back in XXXX of XXXX with my attempts to contact them to refinance my XXXX and XXXX mortgages because I knew that in the coming months I would not be able to afford both mortgages but might could if I combined them into XXXX. Despite numerous attempts on my part to get someone to contact me a out a refi, the time came when I was XXXX month away from having no more money to fall back on to make my regular payment. So I contacted their collection department to let them know about the impending doom. Since i was still current they could not help me, which I already knew but didnt know who else to call, so they transferred me to their loan modification department. I explained my story again and was told they could n't help me until I was already behind. I explained to them that XXXX Bank held the XXXX mortgage. They said do t worry about them because since they were in second position they couldnt take our house. When I finally had no other choice but to get behind I called their loan modification dept again. To make a long story short, after filling out the same exact paperwork XXXX TIMES and having them tell us on the XXXX XXXX attempts that they never received it, on the fourth attempt my husband stayed on the phone with an actual person until he received it via fax at which point we were told foreclosure had already been started and there was nothing that could be done. OF COURSE NOT!! 
Since that time which by this point was I think late XXXX, keeping in mind that I had to file BANKRUPTCY in XXXX to make this " go away '' or so I thought. Since that time they have " foreclosed '' on this house XXXX TIMES, didnt know that was even possible. XXXX of which were after I filed the chapter XXXX BK and they did send letters to us and run our names in our local paper each time. At the third attempt of their attorney contacting us, we had an attorney friend of mine send them a cease and desist letter. To NO ONE 'S SURPRISE they changed lawyers and contacted us AGAIN. They are going to run it in our local paper AGAIN! 
I will say this with 100 % honesty ; if I had known back in XXXX that it would take them this long to get their ducks in a row, I would have just lived for free in that house and AT LEAST it would not be in the shape it is in after having set for FIVE years basically unattended. 
This is ridiculous! It is unprofessional to say the least! I have NO CLUE how it is not perceived as harassment because LET ME ASSURE YOU I feel harrassed! Especially after I made every good faith effort I possibly could to work this debt out before it got to the point it did. 
The damage has already been done to me and my family by these .... People! Please investigate their heinous business practices and stop them from doing this to others.
Consumer complaint received 2016-03-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (TN)

Over the course of 7 months of negotiations and several foreclosure sale postponements. We accomplished raising money to Fully Payoff our XXXX Mortgage ( BB & T ) and Short Pay XXXX Lien Holder ( XXXX-HELOC ). Another Foreclosure date was set for XXXX XXXX, 2016, without my knowledge, no notice to XXXX Lien Holder, and No notice posted on XXXX XXXX XXXX, webiste ( Foreclosing Attorney ) We were in bi-weekly communication with XXXX XXXX XXXX to obtain a updated payoff and no one mentioned New Sale date. We would have put in a request for postponement as in previous occasions. Most assuredly with money coming from IRA account to pay it off. However, We closed on XXXX XXXX, 2016 using a copy of my husband Power of Attorney. He was out of state in XXXX XXXX XXXX XXXX and hard to reach. He gave me POA to sign closing docs for him. The Original POA was lost in the mail and another had to be sent. On the afternoon of XXXX XXXX, 2016, The Title Company received the Original POA and began to disburse funds. They hand delivered the check to Junior Lienholder on XXXX XXXX, 2016, and then called to get a daily per diem to payoff BB & T via XXXX XXXX XXXX. XXXX advised the Title co that the property had been sold that Morning XXXX XXXX, 2016 to a Third party ( local Investor-Non Owner Occupant ). We began to communicate directly with BB & T that Full Payoff was available if they accept the payoff. BB & T advised they could more than likely allow Us to redeem the property due to State of TN 730 day Redemption Period. Even IF we Knowing or Unknowingly waived our rights to redeem int he original Deed BB & T could work around this to accept Full Payoff regardless to Third party buyer. 
BB & T sent request to XXXX XXXX. XXXX XXXX advises me as of XXXX XXXX, 2016, that it is at the discretion of the Servicer and their attorney to allow borrower to redeem the property. 
XXXX XXXX XXXX do NOT want to approve XXXX XXXX for XXXX. I find it strange and unjust that XXXX should reject the actions taken by their client to work with Us. XXXX XXXX XXXX is not interested to accept Full Payoff. XXXX wants the foreclosure sale to stand in spite of my conversation with BB & T ( XXXX XXXX XXXX 's client is attempting to work with Us ) BUT XXXX XXXX XXXX do not want to work with Us.
Consumer complaint received 2016-10-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Icon Equities, LLC (PA)

I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as Icon Equities , LLC and a debt collector named XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, claims that they are collecting a debt on behalf of a debt buyer named Icon Equities , LLC. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the XXXX of dollars. I demand that my files must be purged by XXXX, Icon Equities , LLC and XXXX XXXX XXXX XXXX XXXX permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: SYNCHRONY FINANCIAL (SC)

I recently disputed a very old account that showed up on my credit report. A collection agency apparently got my cell phone number from that dispute and began calling me regularly demanding payment for an old Wal-mart account. I told them that I was only interested in paying the debt if it would be completely removed from my credit report. The representative said they were not able to do that, so I asked that she designate my telephone number do not contact. She said that I would have to submit a do not contact request in writing, but she would not give me the address of the business she was calling from. They have continued to call my cell phone.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MA)

In 2014 I made a purchase from XXXX and used the Barclaycard deferred interest promotion. Each month I received an email telling me the minimum due on my account. I paid that every month and then received an email stating that my payment was accepted. I never received an email alerting me that my promotion was about to expire. 

On your website it states that Barclaycard has to alert me that my promotional period is up on the cover page of my statement. This alert is on page XXXX. 

I would like to have the {$970.00} rescinded and to pay off my account in full. How can I make this happen?
Consumer complaint received 2015-06-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX is knowingly reporting false information to the credit reporting bureaus. 
XXXX XXXX bought an account from GE Capital ( XXXX ) and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. This account has been settled and continuously report inaccurately. After demanding validation of debt, they failed to respond in the required days with the information that was requested, furthermore I decided to settle the account in order to take care of the item in order to be able to buy a new home before my upcoming deployment. This account is further negatively affecting my credit report and score due to this company 's false reporting.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for a credit card with XXXX XXXX XXXX store and the application is through Synchrony Financial. Upon reading the items that I am agreeing to on the application, the first one reads : " I am providing the information in this application to SYNCB and to dealers/merchants/retailers that accept the Card and program sponsors ( and their respective affiliates ). I also provide my consent for SNYCB to provide information about me ( even if my application is declined ) to dealers/merchants/retailers that accept the Card and program sponsors ( and their respective affiliates ) so that they can create and update their records, and provide me with service and special offers. '' There is no way to opt out of this and basically, a condition of the credit application forces me to allow them to market my personal information to outside companies. I do not want to allow them to do this, but then I would not be signing the agreement and unable to obtain credit. I do not believe it is fair for this company to require me to allow them to market out my personal information as a condition of applying for credit. I would like this matter investigated. A copy of the application is attached.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL (NJ)

Due to financial hardship I was unable to keep up with monthly payments on my Synchrony/CareCredit account, which was in excess of {$3000.00}. At XXXX point about XXXX months ago they offered to settle it for a fraction of the balance but I told them I intended to pay the full debt but needed more time. I then began receiving threats to charge off the account, to which I told their representative on the phone that I did not want it charged off but needed more time to be able to start payments again. That person said they would note it on the account. 

I now come to find out that this shady company went ahead and charged my account off anyway, thereby breaking their word and damaging my credit rating. They are refusing to to take it off chargeoff status until it is paid in full. 

I acted to me detriment based on false assurances from this company 's representatives. What I want is to have the full account restored and this damaging information removed from my account. 

I AM NOT A XXXX!!!!!! I am a hard-working XXXX who, like millions of others, have been suffering under the current draconian economic climate. Synchrony/CareCredit is proving itself to be a predatory lender.
Consumer complaint received 2022-08-04
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 am one of the victims of Equifax 's XXXX XXXX and also a victim in there recent " INACCURATE '' scores given this year XXXX and caused severe financial hardship. Furthermore, Equifax has ignored my FTC Identity Theft report and has failed to block the fraudulent accounts under The Fairs Credit Act 605b. They have caused severe financial hardship for myself and my family. I have attached the certified letter sent to Equifax on XX/XX/XXXX with evidence including Identity Theft Report, My SSN Card/Drivers Licenses, and Utility bill for verification.
Consumer complaint received 2022-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC. (GA)

Equifax is reporting inaccurate data on my credit report, stating that I was late XXXX XXXX XXXX XXXX XXXX XXXX. I was not late, for the year of XXXX  and the credit bureau is reporting that my accounts is saying ok, ok, ok starting from XXXX all the way up until XXXX, but XXXX, XXXX, and XXXX it states 90 days late 120 days late and 120 days late, what happened to XXXX and 60 days late if I was really late. I was in a repayment plan. I signed up to renew my repayment plan in XX/XX/2018 which covered the entire year of XXXX. After speaking to someone about this issue, no one has been able to provide me any documented proof about these so called late payments. Therefore, remove these late payments immediately or there will be a lawsuit against the credit bureaus for fraud.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (NY)

I got a Mastercard with Barclay Bank, which offers mileage with XXXX XXXX. I misunderstood and believe I was misinformed about the credit card protecting against expiration of miles accumulated. Additionally, for one month I never received a bill and so ultimately paid the bill late. I excluded the penalty fee from my payment. I have tried to cancel the credit card and was told that I could not do this because the bill is not paid. For the past two months I have been charged a penalty because I have not paid anything towards the original penalty and so now as a result of penalties for prior unpaid penalties, the bill is now {$100.00}. I want to cancel this credit card and believe I should not be held responsible for the penalty. I am shocked that Barclay will not allow me to cancel the card and at least put a hold on further charges. My credit card account number is XXXX. 
Thanks very much for your help with this complaint.
Consumer complaint received 2015-08-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (TN)

PNC has Foreclosed on a property that was PROTECTED by an Automatic Stay that was in Force. This was done while a State Court Proceeding was pending AND A Federal Proceeding was pending. PNC has committed a WILLFUL VIOLATION OF THE AUTOMATIC STAY and the Sale should be set aside as being ILLEGAL. My Loan Modification was pending ... ... ..before a response was given The foreclosure Took place. I need Legal Help in fighting this bank from Illegally taking my Home.