davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NJ)

I recently opened a Barclay credit card for a purchase of an XXXX computer. XXXX automatically directs you to them for financing. My wife also has a bBarclay account. I made a payment on my account on XXXX/XXXX/17 and it was applied to my wifes account in error. Barclay will not correct the mistake or return the {$100.00}. What can I do.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (VA)

I made a purchase of furniture in XXXX XXXX at a local dealer and he was supposed to ship me the items. He told me the order was delayed and after giving him ample time, I have understood he is not gon na ship the items. I reached out to my Barclays Premium credit card for help. I disputed the transaction in XXXX XXXX, for the amount. I got a credit into my account, but after 4 months in XXXX XXXX, Barclays took away the credit saying the XXXX wants the money back. So Barclays gave me exact 5 days to prove my case. I called their remote Dispute dept to request more time, since the letter came out of no where. But after multiple snail mails to re-open the case, they kept closing the case, saying I did n't provide enough proof of delivery. I spoke to seller and made him talk to Barclays, and he clearly agreed he did n't ship the items. But now the XXXX says the money is taken back from him. THe money is in Limbo state, and as per XXXX he doesnt have it. And my Credit card is mean and not helping me with anything after many repeated requests. But they charge me that amount and ask me to pay for it. I need help here. I have no way to reach XXXX, and the XXXX himself is not keen on pursuing this, because its my money and he does n't care much about it. My Credit card company, closed the case without enough enquiry or proof. They are blatant and unethical. I need help here, losing money and no furniture and went thru lots of turmoil last few months. Please help. There are so many parties involved here Credit card company, XXXX, XXXX XXXX processor.
Consumer complaint received 2017-05-21
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. (TX)

I had an a  XXXX / XXXX  account 7 years ago. I canceled my account 7 years ago.   XXXX   continues to request my credit report from  XXXX , and Equifax. Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

SYNCB/Chevron reports acct # XXXX as a charge off/bad debt on my XXXX and XXXX credit report. I have sent 2 certified letters on XXXX/XXXX/XXXX that was Chevron recieved on XXXX/XXXX/XXXX, requesting a validation of debt. Chevron was unable to provide a validation of debt, bearing my signature sealing a contract between myself and Chevron. However, Chevron marked the debt as in dispute. On XXXX/XXXX/XXXX, I sent another certified letter that was received on XXXX/XXXX/XXXX, requesting again for a validation of debt. Chevron, again failed to provide a validation of debt bearing my signature. I 've asked repeatedly that Chevron remove it 's remark on my credit report but Chevron has failed to do so.
Consumer complaint received 2023-01-06
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NY)

Carecredit owned by Synchrony Bank does not offer more convenient methods of payment such as credit card payments. I wanted to pay off my loan ( which slammed me with crazy interest charges after the promotional period ). I got a XXXX XXXX credit card with lower interest and no interest charges for 15 mos. Great idea right? Better than paying 28 % on top of accrued interest penalty for not paying off a specific dental procedure ( which I tried to avoid ). Well where was all the money I payed allocated? Anyway, I could not do a balance transfer because THEY DO NOT ACCEPT this form of payment. This is absurd and a consumer RIPOFF. Intentionally done so the person who can not afford to get the medical dental work all at once gets the help they need via Carecredit BUT has to pay through the teeth later. Gee, thanks. My teeth cost me {$4800.00} initally but I will probably pay double if I do n't pay this off. SCAM SCAM SCAM!!!! I find it hard to believe that a financial company with XXXX 's of different products and service providers does not offer more convenient methods of accepting payments.
Consumer complaint received 2021-05-18
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: CarMax, Inc. (OH)

CarMax Auto Finance Account # XXXX placed a derogatory mark on my credit report via XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors did not verify this collection. Also, there is no written form of communication, contract, or signature for the accused debt. A document without a signature does not validate debt. According to FCRA, CarMax has violated my rights as a consumer and I am requesting legal action to remove/delete the account immediately.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

I had a Best Buy Mastercard for several years. Out of the blue I noticed a {$59.00} annual fee that was never there before. I called and was told they are now charging an annual fee so I asked them to close my account. The {$59.00} fee is still due and I have been told that I must pay it or my credit will be affected. I never paid a fee before, nor did I use the card in many months that would result in a default acceptance of the fee by using the card.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (VA)

I was trying to make a purchase with my JC Penney master card and was declined. I called the number on the back of my card and the teller told me that the card I had was cancelled and that a new card was sent out in XXXX 2015. I said I never received it or activated a card and she said after a couple of weeks of me not activating a card the company automatically activates it and I need to report it lost or stolen what??? this is putting my identity in jeopardy and I am furious that they would do this, meanwhile I am trying to make a purchase for a car part and I can not I will have to wait 7 days to receive a new card and to get my vehicle fixed. They should be held accountable for any inconvenience this has cause me and if my identity is stolen they should be held responsible for that as well. When you work hard to establish your credit and someone else takes 5 seconds to put it in jeopardy. I had to use {$300.00} dollars of liquid cash that I really should n't had to use if my credit card worked and was not cancelled and then activated by this company and not me.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL (MO)

I have received over XXXX calls from this time period just on my cell phone alone from Synchrony bank, including automated messages each time. I have received at least the same number of calls at my work number XXXX and XXXX as well as voice messages and I am not allowed to have phone calls of this nature at my work numbers and my cell phone number XXXX since I also use my cell phone for work purposes. I am requesting to not be contacted at either of these numbers. This company is violating the privacy policy as I have already requested them to remove these numbers and they continue to call.
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

For 3 years, I have disputed with GAP about the inaccuracy of my '' highest balance '' being reported to all XXXX credit bureaus as {$810.00}. The company made fee adjustments/credits to my account in 2011 which totaled {$810.00}, but the GAP account supervisors and internal credit reps are telling me that there 's nothing they can do about it even though they acknowledge the credits were indeed made on my account due to an error on their part when they failed to credit my payments.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NM)

Iam 3 weeks late on a payment. I tell them when they call that I will pay them Friday XXXX XXXX, 2016. I wo n't secure the payment with a card till that date so the calls wo n't stop. thats fine. But they call me several times a day after I have asked them to stop. Told them once a day is fine, but if nothing financially for me changes from day to day, it certainly wo n't Change from hour to hour.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (TN)

I called to make arrangements to pay XXXX payments next month on my XXXX mortgage with 21st Mortgage. The rep XXXX was so unkind and said " what are you spending your money on? '' I asked for a supervisor XXXX who came on with pretty much the same tone. Saying they have the right to know what I spend money on if I owe them. Maybe so, but there 's a better way of them getting the information they need than just being so rude and blunt. I do n't have to show them my receipts of what I spend my money on. The point is that I 'm trying to work with them to get caught up and they harrass me with emails and treat me like dirt when I call in. I 've encountered this numerous times with this company. Finally XXXX transfered me to her boss XXXX XXXX at ext XXXX who was very professional and understood my concerns. He worked with me on the arrangement but this company is tipping the scale on their collection procedures and need to know where to draw the line.
Consumer complaint received 2017-05-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RICHLAND HOLDINGS, INC. (NV)

On or about  XXXX   XXXX ,    2017, I recei ved a letter from AcctCorp of Southern Nevada regarding a collection of alleged medical debt. On  XXXX   XXXX ,  2017, I se nt a letter certified mail to AcctCorp of Southern Nevada requesting the following : - Breakdown of any and fees including any collection costs and medical charges.   - Copies of any and all  XXXX   XXXX   XXXX   XXXX  bills, documents and correspondence in your possession.   - Copy of my signed contract with  XXXX   XXXX   XXXX   XXXX  authorizing release my medical information to ACCTCORP.   - Copy of any and all contracts between ACCTCORP and  XXXX   XXXX   XXXX   XXXX  as set forth in, but not limited to, T itle 45, 164.502 ( e ) and 164.504 ( e ) of t he Code of Federal Regulations. - Cease any credit bureau reporting until the debt has been validated by me.   AcctCorp of Southern Nevada failed to provide the information I requested as per the Fair Debt Collection Practices Act, and Tit  les 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations.
In addition AcctCorp is in violation of HIPPA and my privacy has been violated according to 45 CFR 160.103 as AcctCorp is in possession    of my private medical records and history without my express written consent.   AcctCorp of Southern Nevada is also in violation of the FDCPA ; having posted the alleged debt on my credit report prior to responding to the requests made in my letter to them, dated  XXXX   XXXX ,    2017. A copy  of the letter is attached.
Consumer complaint received 2016-03-27
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (TX)

I applied for a Sam credit card see below : SYNCB/SAMS /Inquiry XXXX XXXX, 2014 SYNCB/SAMS /Inquiry XXXX XXXX, 2014 Sams is reportin XXXX hard inquiries on the same day for the application to all XXXX bureaus, I have not been able to get a response on why this was done. I have also request this to be corrected, I applied once and signed XXXX authorization and was approved. Please assist on getting this resolved, as hard inquiries affect my credit.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime (FL)

Purchased vehicle XXXX XX/XX/XXXX from Drive Time located in XXXX Florida due to having no established credit. XXXX of Drive Time 's key selling points is that they reported to ALL XXXX credit bureaus monthly and this would help to establish, build credit history & rating. Payments were & have been being made as contract specified. I created a XXXX account a few months ago to keep track of credit and realized that Drive Time had stopped reporting my payments since XXXX XX/XX/XXXX. This caused my credit score to drop significantly. I immediately contacted Drive Time concerning this issue and was told there is a glitch in there reporting system to the credit bureaus. I stressed to Drive Time that this issue was causing a derogatory reflection on my credit. Drive Time stated they would hopefully have the issue corrected within 30 days. I filed a complaint with the BBB on XXXX/XXXX/XX/XX/XXXX located in Arizona where Drive Time 's corporate office is located. I have yet to hear from the complaint and it has been over a month. Drive Time did finally report to XXXX a partial payment history reflecting til XXXX XX/XX/XXXX but did not report to XXXX and I 'm not sure about XXXX. The payment history is missing for XXXX XXXX XX/XX/XXXX thus this is still affecting my credit score. Drive Time has not made an effort to contact me in regards to the complaint filed. I believe that I was given false advertisement & sales practices. I would like a representative of Drive Time to contact me in regards to this serious issue and resolve this matter immediately. I have been working very hard with building my credit & this issue has caused unnecessary time & financial stress.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The information on the entry for the XXXX account is incorrect. This account had been reflecting on Experian for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00} Balance Due of {$0.00} ( " - '' ) and Past Due of {$0.00} " - '' ). The " Status Updated '' date reflected a date of XX/XX/XXXX. I also received a XXXX in XX/XX/XXXX for the same account and recently requested another copy of the same XXXX. In early XX/XX/XXXX I tried to get my mortgage refinanced and my Experian credit report was updated approximately 4 days later by XXXX to reflect an older " Status Updated '' date of XX/XX/XXXX. In addition the XXXX entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My Credit Score also dropped over XXXX Points and prevented me from refinancing my mortgage. I immediately sent a credit dispute letter to Experian indicating my Credit Report information was incorrect and out dated ( i.e. the older " Status Updated Date '' changed from XX/XX/XXXX with the correct information to a " Status Updated '' date of XX/XX/XXXX with INCORRECT information. However, this dispute to Experian resulted in no change to my credit report. I then called XXXX directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the Credit Reporting agency ( Experian for resolution ) I sent another dispute to Experian with copies of the '' before '' and " after '' credit reports ( with one copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the XXXX issued back in XX/XX/XXXX but got the same result. No correction updates to my Experian report for  the XXXX account. This information remains out of date and incorrect. This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations. Please Help me either get this XXXX entry either deleted or updated back to XXXX out balances and past due amount. This entry is now one month from being 6 years old and had been reflecting positively with a Paid Status, was charge off and XXXX past due for 5 years.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

The information on the entry for the  Chase  account is incorrect. This account had been reflecting on  XXXX  for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00} Balance Due of {$0.00}  ( " - '' ) an  d Past Due of { $0.00} " - '' ). The "  Status Updated  '' date reflected a date of  XXXX . I also received a  XXXX  in  XXXX  for the same account and recently requested another copy of the same  XXXX .     In early  XXXX  of   XXXX   I tried to get my mortgage refinanced and my  XXXX  credit report was updated approximately 4 days later by Chase to reflect an older "  Status Updated ''  date of  XX/XX/XXXX  In addition the Chase entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My  Credit Score  also dropped over  XXXX  Points and prevented me from refinancing my mortgage.     I immediately sent a credit dispute letter to  XXXX  indicating my Credit Report information was incorrect and out dated ( i.e. the older "  Status Updated Date  '' changed from  XXXX  with the correct information to a  " Status Updated ' ' date of  XXXX  with INCORRECT information. However, this dispute to   XXXX    resulted in no change to my credit report. I then called Chase directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the  Credit Reporting  agency  (   XXXX  for resolution ) I sent another dispute to   XXXX   with copies of the '' before '' and " after '' credit reports ( with  one  copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the  XXXX  issued back in  XXXX  but got the same result. No correction updates to my  XXXX  report for the Chase account. This information remains out of date and incorrect.     This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations.     Please Help me either get this  Chase  entry either deleted or updated back to  XXXX  out balances and past due amount. This entry is now  one  month from bein g 6 years old a nd had been reflecting positively with a  Paid Status, wa s charge off and  XXXX  past due for 5 years.
Consumer complaint received 2017-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MN)

I was charged  XXXX  overdraft fees becau se US bank de ducts the largest check first, as a policy described by the banker I complained to. If they had deducted the smaller check first, it would have cleared, leaving me with only  XXXX  overdraft fee. The banker stated they ALWAYS deduct the larger check first, obviously to generate more fees. I asked to start an overdraft protection account with them and they denied me. Those of us who incur an occasional overdraft are people without a lot of money and yet they squeeze us the most. This happened approximately 1 month ago.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

I have been receiving steady flow of junk mail from Citibank credit card about 0 % and other unsolicited offers. I have called and told them to stop. They stop & the next year again I get this junk mail. This will have to stop or I will be forced to initiate legal action.
Consumer complaint received 2021-04-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021