davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conn 's calls my phone and my wife 's phone more than 8 times every day. On many occasions, I have made verbal arrangements with them to automatically debit my checking account on the first of the month for the bill that is due, however, they start calling me on the XXXX of every month and call every single day numerous times. They also call my wife 's phone number even though she is not listed on the credit application. They call from several different telephone numbers and will discuss the debt with anyone who picks up the phone. They have talked to my wife, my step-children, my mother-in-law, and even once with a co-worker. I have repeatedly told them that such calls are considered harassment, and that they were not to call me any more, as I have already arranged payments with them. I also informed them of my work hours, which they have ignored and it had caused me problems at work.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (OH)

I opened a lowes credit card and my account get sold to a collection company. When I called lowes to pay my bill they told me to call the collection compary witch I did so and the collection compary told me that I no longer own them for this account and if should not be on my credit reports any more. But lowes is still reporting that I own the collection company and will not take it off. I sent lowes a letter that the collection company sent me and then still reporting to all credit company that I own them,
Consumer complaint received 2022-08-25
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: HYUNDAI CAPITAL AMERICA (AR)

I filed a complaint on XX/XX/XXXX file # XXXX, However it's been more than 30 days and this is not making sense. According to the Law 15 U>S> Code 1681, Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency directly or indirectly through a reseller of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30 days period beginning on the date on which the agency receives the notice filed with CFPD via the consumer.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (OH)

yes me and my mom have a walmart master card.my moms XXXX years old XXXX and has a hard time talking on phone. we just made XXXX purchaases. on line at XXXX?? and another charge at local food store??? thouse XXXX things only charged. tried for some cash at a atm machne would not go thru???? we had ge capitail bank with card before synchrony bank took over at wamart???? we never had problems with ge capital and used card many years.they sent us a letter stating that they placed a restriction on our account toomake sure no fraud occuring???? this is a joke and were about too cancel account. i contacted the XXXX. but have not heard anything from XXXX????? i also told XXXX that im about too get power of attorney on moms bills this week?? im her son and caregiver past 3 years now???? and we dont need too be upset by all this fraud XXXX???? my mom lets me usecard all the time/ moms name XXXX by the way.also the letter we got in the mail from there fraud dept. you can have them call me XXXX XXXX her son at XXXX cell but till i ge power of attorney they might not want too talk with me??? up too them
Consumer complaint received 2015-05-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (HI)

Credit card company called me to inform of suspicious charges. When I called back, they could not verify my identify based on the information I gave. After further research, it was determined that someone had stolen my personal information. That person had called credit card company to report my card stolen and then opened a new account. They also changed the information on my account to include address and phone number. I was also told that they were able to change my mother 's maiden name on the account. How can someone be allowed to change that? It is a fixed value. The company did not raise any red flags that fraud was occurring and this should have been their first clue. I was assured that " rigorous '' security questioning occurs before any changes are made to the account. I placed a passcode on the account to add increased security per the representative. However, when I called back later in the day with additional questions, I was not asked for the passcode to verify my account - only asked my DOB. This is unacceptable security.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank is now reporting to multiple consumer credit reporting agencies in violation of Section 607 ( b ) of the Fair Credit Reporting Act. 
I filed a XXXX XXXX action on XXXX XXXX, XX/XX/XXXX in the XXXX XXXX of New York. I obtained a discharge on XXXX XXXX, XX/XX/XXXX. At the time of filing I owed a debt to Synchrony Bank. I had not missed any payments prior to filing. Upon discharge, Synchrony updated my consumer credit agency records to show late payments in XXXX XX/XX/XXXX ( after my filing date ) and entered a " charge off '' notation for each month from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. I disputed the notations as violations of both the automatic stay and the discharge order. Through XXXX disputes the bank refused to correct the information. It came to my attention when I investigated a credit score drop. 
Also attached is an FTC Advisory Opinion stating in relevant part " Section 607 ( b ) of the FCRA requires credit bureaus 'to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '. '' It goes on to state " it is not a reasonable procedure to label an account that has been discharged in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer FILED bankruptcy. '' Do note that the FILING date is the relevant date and NOT the discharge date. Given this, no information should be reporting after XXXX XX/XX/XXXX regardless of the accounting treatment of the account.
Consumer complaint received 2016-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (CA)

The reason for this complaint is that i believe that the amount allocated to the principal vs. the interest on this XXXX college loan is incorrect, and that i was unable to obtain a comprehensive and reasonable response from the eight calls made to FedLoan. 
As support for my daughter to attend college ( XXXX XXXX XXXX University ) i obtained XXXX Direct Loans PLUS from XXXX to XXXX totaling {$54000.00}, these were Standard loans at a fixed 7.9 % interest. The loans were transferred to FedLoans in XXXX XXXX. I made all due payments, was never late, in the amount of {$34000.00} until XXXX XXXX, and still owed {$51000.00}. I finally took a loan with XXXX in XXXX XXXX and paid FedLoan in full ( {$51000.00} ). 
I placed 8 calls to FedLoan since XXXX XXXX disputing the balance and requesting a full audit. Instead I only received partial history. Nonetheless from the little information received, it showed very irregular and practically inexistant allocations ( only XXXX small amounts allocated in 24 months in XXXX report ) made to the principal, which seems to indicate that the accounting is incorrect. How can i make payments of nearly {$35000.00} in 8 years showing less than {$3000.00} being allocated to the principal? None of the original loan documents stated such allocation. 
I believe that their accounting is inaccurate and that more should have been allocated to the principal. Therefore I wish to place a formal complaint to request a full audit, in order to verify and validate that the FedLoan accounting is in compliance with the original loan terms, and/or in compliance with federal regulations. If, as i suspect, the allocation made to the principal was insufficient, i request that i be reimbursed accordingly.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (ME)

Car crash on XX/XX/20 My insurance totaled vehicle and paid Ally what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by Ally and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. Ally has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed. 

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (PA)

The company was told to cease and desist, they however filed a civil action, talked with XXXX XXXX and they said have file sent back. I spoke to collection company and they refused to send it back and said it does not appire to meet requirements because your not working ( covid-19 related ). I told them I have zero assets, no income, etc.. however the XXXX XXXX was willing to work out to prevent further issues due to situation, the company refused. I was never notified by company of any pending action or civil filing, the company apparently filed after I said to stop calling me and said it was harassment. 
If they would have sent it back to XXXX XXXX  as requested then it would be handle by me though them but they refuse amd rather file civil action on a emergency service volunteer who lose job due to covid-19 and has no assets or income and only a joint bank account with someone that is under social security XXXX and health issues, they don't care this affects a XXXX XXXX under SS, a XXXX   individual, or a child all in problems due to covid-19, they rather keep file for civil then send back to snycony so I can work it out as they said due to situation they can work out arrangement on all accounts.
Consumer complaint received 2016-12-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BARCLAYS BANK DELAWARE (GA)

While reviewing my credit report, I see a credit inquiry from barclaycard made on XXXX/XXXX/XXXX. I sent a letter to the bank on XXXX/XXXX/XXXX requesting that they remove the inquiry because it was NOT made by myself nor given the authorization to do so and also asking for documentation supporting this inquiry. I received a response on XXXX/XXXX/XXXX stating that it was submitted electronically online and that they verified that it was made by myself because the social security number, DOB, contact number and mailing address was correct but none of that information was providing showing that it was. I 'm XXXX sure that I did not inquiry about a credit account with this bank. With all the different kinds of identify fraud being used on computers. Anyone can try to obtain credit in someone else 's name especially in the event it 's not done in person with proof of them saying who they say they are. For a company not able to provide me with proof is very alarming and violates my Credit Reporting Act. Being that I 've been a victim of identify theft in the past, I 'm aware of my rights to receive this information but was not provided with any information.
Consumer complaint received 2015-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

I had XXXX at the XXXX. it is XXXX per XXXX UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to care credit that owned the debt but they sued, used XXXX and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX XXXX at the XXXX said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a XXXX complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my XXXX. I believe the statement was false to make it seem on the XXXX that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a XXXX which i believe is fair to all parties and was paid the XXXX year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the XXXX for their shady practices. I should not own this debt!
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (MO)

I have a CareCredit card. I recently realized that " XXXX XXXX '' signed me up for a service that I did not sign up for. It took two statements to realize this. I call CareCredit and they happily refunded me. XXXX XXXX did cancel the protection. This is fraudulent to sign people up for something they did not sign up to pay for.
Consumer complaint received 2017-03-02
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Alpha Recovery Corp (SD)

Spoke with XXXX and XXXX. XXXX says he is a manager and I was trying to report XXXX for harassing me when we 'd spoken. XXXX says he will look into it then tries to get me to give my checking information to make payments. I said no, and he starts getting an attitude, which I told him I did n't appreciate and he told me I 'm being sensitive. I told him I want to make payments but not with my checking account. He says his office will send back the account to the client as refusal to pay, if I do n't " secure '' our arrangement right now with my checking info or a payment off my debit card, even though I 'd already explained I do n't get paid til next Friday. By this time I was having to speak loudly because he would n't let me get a word in edgewise. He says he 's going to terminate the call if I do n't stop interrupting, etc. I asked to speak to his manager, he flat out says no, says I 'm trying to avoid/distract from the matter. This is the manager. The other boy I spoke to got on the phone after a transfer, and just went off on me about how I need to pay x amount of money that I already said I could n't afford. He belittled and shamed me for not paying the debt so far, and demanded that I pay it now. I told him not to speak to me that way, which he continued to do. Eventually he just hung up on me. I 've seen very similar complaints online, some of them quoting this XXXX guy, things that he said to me as well, word for word. I do n't understand how they 're still in business, or not in court or in jail for violating federal law. Please do something about this.
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL (RI)

While applying for credit I came to learn that I had a judgement against me from XXXX XXXX. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against me.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (UT)

I signed up for a financing office through XXXX, serviced through Barclaycard US and the user agreement and deferred interest was not clearly explained or stated as I was mislead to think that it was an non interest incurring financing period, not a deferred period. I would have never signed up for the promotion had I known it was deferred. I was charged {$490.00} of interest on a product that I did n't think would be accruing interest until the no interest period ended. I do n't feel as though I should be responsible for this mislead charge. Their claim is that this is stated on my paper billing, but I get paperless statements and its not reflected there.
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (IN)

Someone at an Old Navy store opened an Old Navy Visa account for me XX/XX/2016. They put the wrong address for me into the computer and their computers were down, so the typical process of checking your address on the screen of the credit card machine did n't occur. Fast forward, now it is 11 months later and my credit card is in collections. I only used the receipt to purchase goods in the store and one other time had the person in the store look up my account. I never received the card in the mail. After getting my credit report, I saw that the account was listed under the same address but different city state. This means that all the statements and card were sent to a completely different address. Now my credit has negatively been affected and the amount that I owe XXXX is in collections with a shoddy debt collection company. The solution that I would like is for me to pay the debt and not get the run around by the debt company and for the record of this debt to be expunged from my credit report.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NY)

I applied for a WalMart credit card last holiday season after an offer I received in the mail. No big deal I thought but this card is single handedly ruining my credit health ( score ) and taking fees month after the month. I make most of my bill payments online and often the Wal Mart credit card website is not functioning properly. Therefore I can not make a payment as I want, when I want, when I can. I then would either have to mail or locate a store and pay it there which can be a hassle. Month after month I am getting hit with late charges and being reported to credit bureaus. I just want to get this account in good standing and have all the negative reporting removed so it does n't ruin my life anymore than it already has. Please if possible, from a loyal customer to you, please Walmart ( Synchrony Bank ) waive all late fees assessed and remove all negative reporting and I will sign up for automatic payments today to prevent any issues going forward. The balance is approximately {$1000.00}. and {$300.00} are late fees.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (ME)

BSI financial is failing to complete review for loss mitigation within 30days after receiving a complete package and acknowledging it is complete on XXXX/XXXX/2015. See attached letter. They also were slow to acknowledge receipt of package. Request for mortgage assitance was fax to BSI on XXXX/XXXX/2015 and recieved a confirmation of receipt letter dated XXXX/XXXX/2015 same day as a request for additional documents were made. Submitted all additional documents on XXXX/XXXX/2015 and they have not requested anything further. Point of contact does not return calls and other representatives can not give status update. Left message for XXXX XXXX on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 for a status update and have not gotten a return call did talk to XXXX XXXX on XXXX/XXXX/2015 and he advised something was approved and in route but have yet to receive anything. Escalated case today with XXXX XXXX.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (UT)

Recently reviewed my XX/XX/XXXX report and noticed PNC bank accounts that were removed and some that were closed due to fraudulent transactions. I am requesting for PNC bank to remove any debts from my name for any checking accounts as I havent used any accounts with them since 2002.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

I was on vacation in XXXX and when I came back I was surprised that my information was compromised. the bank manager asked me to update my credit burea details, spoke to an assistant for more than 15 minutes and nothing was resolved. my account is overdraft XXXX dollar. there have been several fraud attempts, credit card payments of XXXX dollars and names that I don't know, and my account is still negative
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS (FL)

I am filing a complaint because I have requested a full file disclosure from lexis nexis on several occasions and they have ignored my request. I continue too be denied credit every time that they pull my lexis nexis report. I need a full file with all the information or notes that have been placed on my lexis nexis file. I was also told that i have a fraud alert on my lexis nexis file and i have not requested this alert on my lexis nexis and it continues to hinder me from obtaining credit.