davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

At the age of XXXX my husband was laid off from his company. He continued to work at XXXX to make ends meet. At age XXXX he was diagnosed with XXXX XXXX XXXX. He was unable to work. We repeatedly called to ask if we could lower our payments. Navient said no but we could do a forbearance. At the time the loan was approximately {$45000.00}. Everytime our forbearance was up we ask for a lower payment. They said no we can only do a forbearance. At one point I tried to pay interest only but could not do that with medical bills, prescription costs, etc. At age XXXX we called again and were told no, ... .the only option available was forbearance. Meanwhile at 10 % interest the loan is well over {$70000.00}. There is no way that we can ever pay off that amount. Now we are receiving calls from multiple companies to " help '' us pay off the loan. I have read that these are scams. I ca n't sleep at night because I know there is no way we can ever pay if off. If we do n't I have read that they can take everything. We do n't have much but what we have we have worked hard for when we were younger and would like to keep. I was never notified that Navient would be our loan servicer until after it happened. I am extremely upset and wondering what to do next.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (GA)

I HAVE A BARCLAY XXXX CREDIT CARD. I WENT TO XXXX XXXX GA, WITH A RECEIPT ON XX/XX/2016 TO RETURN FEW ITEMS. CUSTOMER SERVICE OF XXXX TOOK THEM BACK & SAME TIME THEY REFUSED TO RETURN THEM BACK. HENCE, XXXX GAVE A CREDIT MY ACCOUNT FOR {$130.00}, ALSO DEBIT MY ACCOUNT FOR {$130.00} ON XX/XX/2016.I CALLED BARCLAY BANK TO FILE A DISPUTE FOR {$130.00} AS A CUSTOMER ATTEMPT TO RETURN & MERCHANT REFUSE TO TAKE THEM BACK. THIS TRANSACTION CLEARLY SHOWS ON CREDIT CARD STATEMENT OF XX/XX/2016. THIS BANK ISSUED TWO DISPUTE CASE NUMBERS FOR SAME CASE & THEY ARE DBO XXXX, DP XXXX. BARCLAY BANK SENT ME A LETTER, DATED XX/XX/2016 STATING THAT DISPUTE WAS RESOLVED IN MY FAVOR. I RECEIVED ANOTHER LETTER FROM THIS BANK, DATED XX/XX/2016 STATING THAT THEY ARE TAKING BACK A CREDIT OF {$130.00} FROM MY ACCOUNT. THAT MEANS, I HAVE TO PAY {$130.00} TO THIS BANK.THEREFORE BARCLAY BANK NEVER EVER RESOLVED MY DISPUTE FOR $ XXXX.THIS BANK HAS A VERY POOR CUSTOMER SERVICE. I CAN NOT TRUST THIS BANK. THEIR CALL CENTERS ARE OUT OF USA & THEY DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.MAY I REQUEST YOU TO LOOK INTO AFORESAID PROBLEM WITH BARCLAY BANK & TRY TO RESOLVED IT. I WILL APPRECIATE YOUR HELP & CO OPERATION.THANK YOU
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (WI)

I installed a new furnace in my house in XXXX XXXX. Through the heating company they gave me a XXXX credit card through Synchrony bank. I thought 'Cool. I can pay this off in installments '. Silly me, I made my payments without issue for about a year and a half. I did n't pay close enough attention because sometime in there they started charging me {$120.00} / month for a card security fee I did not agree to! I sadly did not notice this until all of a sudden I am over my credit limit and they are wanting a payment of {$700.00}. Shame on me. I checked my statements. Apparently to make up for lost time, there were some extra charges in there. I contacted Synchrony. The first person i talked to told me they could n't do anything. I asked for a manager. I explained my situation and she told me i was not the only on that had this happen. Seriously? They think this is okay? She then directed me to another company. I was able to get a {$5600.00} credit. I thought this would help clear up them thinking I owed more than double my normal payment. I was wrong. 
I called them to clear up the misunderstanding and for them to fix the damage done to my credit score. I was told I had a payment that was paid, online, two days after the due date in XXXX XXXX and this was why it was late every month there after. Two days!!! They do not have a grace period and did NEVER mentioned that in any form of communication or on their website. I am now struggling to get my credit score fixed. 
If you look at my account with Synchrony, I do not currently owe anything. however on their end I am {$300.00} behind. 
I would not recommend doing business with Synchrony to anyone. This has been a 3 month battle for me and I am still fighting to get this cleared up.
Consumer complaint received 2017-01-25
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX XXXX ( Debt Collection Agency ) discharged a debt they claim I owed to them on behalf of a previous merchant on XX/XX/2016. I recently received a XXXX form from the IRS showing that this company discharged this debt on XX/XX/2016. In doing so, they charged it to me, whereas I must now report this onto my 2016 Tax returns. Furthermore, XXXX XXXX XXXX XXXX has continued to attempt to collect this throughout the year ( 2016 ). The latest written correspondence I received from this company attempting to collect a debt was on XX/XX/2016 ; nine ( 9 ) months after discharging it. This appears to be misleading, and undermining to their credibility as a business. They claim to have discharged this debt to the Internal Revenue Service, yet they are still trying to collect it months later. 

This is not the only time that XXXX XXXX XXXX has violated the FDPA. In fact, it seems they have a pattern of doing so.
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (NY)

Barclaycard credit card, issued by Barclays Bank Delaware, continuously flags my card for fraud requiring that i contact and spend hours on the phone. After resolving the matter at considerable expense of time on a call to them, and after being reassured that the hold has been removed, I try again to use the card at the same merchant and again the charge is denied and flagged for fraud. Each time that I call I am told that there is nothing that they can do, and more importantly, they refuse to tell me the exact cause for being flagged. At this point the items that were to be purchased for XXXX will not be received on time. Even after escalating to the resolution manager, both times, nothing is resolved.
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank has XXXX derogatory accounts listed on my credit report via JC Penny and Walmart. Both accounts have remarks that state " paid after charge off to XXXX party collections. '' I called synchrony to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

Citibank is e ngaging in fraudulent behavior where they publicly advertise a promotional offer to attract new users, make them open a new account and add new funds into their account then, first : refuse to recognize the existence of the promotion and later : refuse to acknowledge that the user was part of the promotion.     In my ca se : 1. I sa w this promoti on on Citi 's websit e on   XX/XX/XXXX  ( see   attached file )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    2.   Checked the box on this page that says " I want to open a  Citibank   XXXX   XXXX    Account now '' and clicked the "  Enroll  now '' button. I then opened the account the same day.      3. A s required by this promotion 's terms, I deposited {$50000.00} from my external bank account into this new  Citi Savings a ccount  on   XX/XX/XXXX   (   see attached bank statement ).      4.  As required by this promotion 's terms, I kept pas t  XX/XX/XXXX   ( see attached bank statement ).      5. I c ontact ed Citi short after  XX/XX/XXXX  ab out the bonus and was asked to wait until " 90 calendar days from the date when you completed all offer requirements '' which would have been   XX/XX/XXXX .        6. I contacted Citi a few days ago and first got a canned response referencing an entirely different promotion that I never inquired about.
7. The second response stated that " offers are only available to the individual to whom the offer was addressed. '' 8. I se  arched on the web and it appea rs Citi is u sing this excuse to refuse the bonus to many of its customers who relied on this promotion. Most importantly, the promotional terms  make *NO MENTION* that the off er is only available to whom the offer is addressed. In fact, since the offer was publicly available and accessibl e on Citi 's  website, it is a " unilateral contract '' in which anyone that the offer does not exclude, is eligible for the bonus, so long as the terms are met.     For the reasons stated above, and based on my research online where other users have shared similar stores, I have reason to belie ve Citi is   engaging in a pattern of promotion fraud.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax is reporting incorrect information on my credit report in reference to an account with XXXX XXXX. According to the terms of the contract this account went thirty days past due XX/XX/XXXX and was never current from that point forward. XXXX XXXX is not disputing this ; please see attachment enclosed. XXXX XXXX is attempting to age the debt through internal reporting practices. Any changes in the terms of the contract must be in writing and I did not consent to any special deferment program that allegedly brought the account current XX/XX/XXXX. I request written documentation changing the terms of the contract. If XXXX XXXX is unable to produce written documentation expressing my consent to changes in the terms of the contract then they must adjust the date of delinquency to XX/XX/XXXX. These internal reporting practices are a way to age the debt and are a violation of the Fair Credit Reporting Act. This account went 30 days past due more than seven years ago and exceeds reporting limits.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 

XXXX : :XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX : :XXXXXX/XX/XXXX
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax is knowingly reporting false data to my credit report and allowing unauthorized people to make hard pulls on my credit report. They reported information as " verified '' that has recently been removed because the creditors verified they were not my accounts. Equifax has a responsibility to report accurate information and the inaccurate accounts need to be re-investigated and removed since the first " verification '' failed.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Reference Case number : XXXX. For over 3 years my wife and I have not been able to obtain our free annual credit reports online. For years previous, we had no problems. Queries to the Credit bureaus and the CFPB have been non-productive. I 'm attaching an edited summary of my email exchanges with the Ombudusman office going back to XX/XX/2014. They also have been frustrated and suggested I re-file the complaint.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.
Consumer complaint received 2016-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (KY)

Within literally minutes of opening a new cell phone account and number with XXXX XXXX ( KY ) is received a phone call from XXXX. I did not answer but when I got another call several days later I returned their call to see what it was about. I spoke with a " customer service representative '' named XXXX, who refused to give me any information until I provided him with my name and phone number. He said their call concerned " personal and private '' matters. I could not get any additional information from him. I insisted that he connect me with a supervisor and after several minutes on hold he did so. They identified themselves as EOS CCA, and I finally figured out that they were some sort of a debt collection company, but the supervisor would not provide me with any information about the reason for their calling me. He was very evasive when I asked him direct questions about how he got my phone number and why they were initiating this phone contact with me. I finally insisted that they take me off their call list, which he said he did. I told the supervisor that I expected they would NOT ( emphatically stated ) call me again and that I would be filing a complaint with an appropriate government agency. It is amazing to me that they would call me so soon after opening a new telephone account with a company I had never previously done business with. Incidentally my credit rating is impeccable and I am debt free. Interesting to say the least. Are they legitimate or scammers. The are inconsiderate in the least.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions bank does not appear to be following TRID guidelines. We are down to the last few hours for me to sign the CD for my closing on Monday and Regions is very behind. Without going into the demeanor of those of I spoken with or the internal issues they are attempting to overcome, I would like to focus on their TRID process. The Production Manager, XXXX XXXX in the XXXX XXXX, SC processing center will not attempt to obtain a balanced CD for me to sign. He is insistent on sending be an incompete CD for signature which will not be sent until after business hours. Tomorrow, he will work on balancing the CD with the title company with their figures, taxes, government fees and estoppel info. I have been in contact with the Law Firm closing my purchase and they are waiting for Regions Bank to perform. The process should be for Regions to send to the Law Firm to balance figures prior to presenting the CD to me for signature. Estoppel info, if delayed, can be revised during three day wait but the main figures should be accurate. This is the intent of full disclosure to the borrower so that he/she has an understanding of costs associated with obtaining a loan three days prior to signing. Regions appears to be circumventing the spirit of the law as enacted by Congress.
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (UT)

On XX/XX/2017, I received an email from this business. They claim that I owe them a debt for XXXX XXXX. They also claim to have my permission to contact me. This company also attempted to contact me by phone on XX/XX/2017. According to the fair debt collection act : 1. It is illegal for a debt collection agency to contact a consumer, unless it is between the hours of XXXX to XXXX. Since I was contacted on a Sunday, this company has broken federal law. 2. Once a debt has been discharged, it is illegal for a debt collection agency to attempt further debt collection.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To Whom it may concern, I completed a dispute regardi ng  XXXX  hard inquires. I then mailed a Multiple Inquiry Removal  Letter  on   XXXX   XXXX   XXXX     at  XXXX  p.m., by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that are being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX   The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for all inquiries that have be en disputed which was " Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response not once but TWICE 2-4 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. It appears this company has a generic response to these dispute investig ations. I am planning to purchase a home this year and having this many inaccurate inquiries on my credit report can display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does NOT belong to me. I did not sign for  ANYTHING.  This is unfair practices by a credit reporting agency with NO concern for the credit worthiness of a consumer.
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank c/o Paypal Credit Account XXXX XXXX XXXX I mailed to Synchhrony Bank c/o Paypal Credit a money order that had accord and satisfaction verbiage for the alleged debt. The United States Postal Money was cashed which is indication that Synchrony Bank c/o Paypal accepted the new terms of the agreement by cashing and satisfying this alleged debt. The company is continuously reporting and open balance for this account. In addition, the company is reporting that this account has been late 30 days which is false and deceptive. I have never been late on this account.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (NY)

Received an offer on my XXXXMiles Member account to receive XXXX bonus miles after {$1000.00} purchase if I obtained a XXXX XXXX XXXX. When the card arrived in the mail the paperwork indicated I would only receive XXXX miles. I called customer service, they opened a case and said they did not know of any XXXX miles offer. The following day I received the same offer for XXXX in the mail. I emailed the retention area the copies and have been getting the run around for two weeks. I never activated the card as I had no intention of keeping it if this was a scam. I called today and requested they close the account as I did not wish to pay the annual fee which was billed to me. The paymentioned was due and I was not paying the if I was n't keeping the card.