davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Dear Scottrade, CFPB Officials, and the Concerned Public : I am writing to follow up on the unproductive behavior of Scottrade and their affiliates, collectively known as Scottrade. Specifically, in 2013, Scottrade allowed a custodial account held by me and my son to be hacked. Likely in the databreach Scottrade had that led to XXXX XXXX customers having their personal information exposed, ( XXXX ). 

Myself and my son worked diligently in attempts to resolve the situation and worked with numerous other financial institutions involved in the fraud. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and IRS have all agreed that the actions that occurred were the result of identity theft and fraud. However, Scottrade refuses to acknowledge these events as fraud for fear of exposing that their security systems are very poor. 

To warn the general public about the actions of Scottrade, I would invite current and potential customers to Google Scottrade 's customer reviews and I assure you will not want to do business with this type of company. 

For the purposes of resolving this issue professionally, I will be attaching, under a separate cover, the harassing letters Scottrade has sent to myself and my son, absolutely refusing to reopen my account, provide verification of debt, or even provide an original contract copy.
Consumer complaint received 2017-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (IL)

I sent a letter to MACYSDSNB letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and MACYSDSNB refuses to delete the fraudulent accounts from my credit report stating in a letter its verified MACYSDSNB provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (CO)

I am an Amazon Store Card holder. This card is available for exclusive use on Amazon purchases only. Synchrony Bank is the financial institution that manages that credit line. The Amazon Store Card offers 5 % credit back to your monthly statements for qualifying purchases on Amazon. I was recently reviewing my statements and noted that I had not received a single 5 % credit on any statement in 2016. However, I did make qualifying purchases using the card. I called Synchrony Bank, and " they are looking into it, and will provide updates in XXXX billing cycles ''. I believe that they will make the appropriate corrections, but am concerned that many other consumers may, unknowingly, not be receiving their 5 % credit to their statements. It remains to be seen if they will correct my statements in a reasonable amount of time.
Consumer complaint received 2015-06-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC. (FL)

I received notification on XXXX/XXXX/2015 that there was a posting by a collection agency to my credit reports I checked and found it was Gold Key Credit that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt XXXX days in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Protection Agency
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NJ)

I purchased some appliances at HHGregg in XXXX around a year ago. The salespeople told me you can save some money if you open up a credit card account with them interest free. I did open up the account and have been making all my payments. Last month I was shocked that my balance went from XXXX to XXXX. The salespeople did not explain that my interest free account was not really interest free but deferred. The place of purchase is no longer in business and that store is closed. I in good faith took the interest free card and was looking for my final payments in a few years. 
This amount of interest is unethical. The loan if I keep making payments will never be paid off. I am retired and this interest amount amounts to over 6 weeks of my pension. 
I honestly believed that my loan was interest free like the one I have with Solid Wood Cabinets through XXXX XXXX. I feel deceived by the pressure to purchase a credit card not knowing the deferred interest clause.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank single handedly made my credit score plunge BY cutting my credit limit and causing my cards to appear at XXXX % utilization rate. I have XXXX credit cards ( lowes, walmart, amazon, tjmax- score lowered and XXXX closed ) with this bank and it is no question that they cause me great harm. My score dropped so low, I was denied a mortgage because of their malicious credit practices that are truly unfair to the consumer. I have never been late on any payments and have always paid as agreed. Please investigate their malicious practices. If I could sue them, I WOULD and have placed a formal dispute with the company.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank closed my account because they claim I dishonored a payment. 
As a follow up to their letter dated XXXX XXXX and XXXX XXXX and in response to my request for proof of return, I am disputing their account as follows : 1. As you can see from my attached statement closing balance, my account had been overpaid by over a hundred dollars ( which has not been returned to me as at today ). 
2. My prior closing balance was also paid in full and I made payments totaling {$1000.00} in this billing cycle, some of which were made in cash. 
3. They claim this transaction occurred on XX/XX/XXXX but I made multiple transactions after this date and made payments ( all attached ). 
4. My bank does not show a return payment as I had funds available ( statement attached that show available funds for the date in question ) 5. As their agent indicated over the phone, I am not worth the business because I do not carry balances and therefore do not pay interest. This, I believe is the reason my account was closed. 
6. I am requesting that proof be submitted of the return payment. Ironically, the bank I paid from is linked with Walmart as the statement indicates.
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (PA)

National Recovery Agency agents rude despite offering to pay debt in full during first phone call XX/XX/2016. After I gave them a time to call me back when I had payment info ready, they failed to do so. After calling me during random times, I told the agents that they need to call me after XXXX so that I may provide payment info. On XX/XX/XXXX, they called again and I provided payment info. At time of payment, I requested a receipt and was told that I need to mail a letter with a self-addressed, stamped envelope and that 's the only way I 'll get a receipt. 
This was an oversight on my part not paying the bill before they sent it off to a collector, but I have been trying to get it paid and National Recovery Agency was rude and made the entire process unfriendly. 
My customer number with NRA is XXXX
Consumer complaint received 2021-08-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Attach is proof that Wells Fargo sold my default payment to XXXX XXXX after I paid to for the Downpayment with my XXXX XXXX XXXX XXXX and I ask put {$50000.00} down and {$10000.00} for closing I did not have an loan for down payment not closing cost and had an year to return to home or Mortgage and they did not help me relocated I was harassed the hold time while fighting for my life and because of the Foreclosure Wells Fargo reported of Credit Report and XXXX I did not even sign an contact with just was allowed to purchase my personal and confidential information and Federal Employee which also prevent me from rent and now in Shelter in State of New York and unable to rent I did not default on Mortgage with XXXX when I did sign an contract with them and Bank and they allowed to report poorly about me and also prevent me from renting
Consumer complaint received 2015-06-15
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC. (TX)

The company has been calling me harassing me since XXXX of 2015. I have spoke to about XXXX people. I have the name of XXXX XXXX as a rep. All of the reps are very rude, call and tell me they have a incriminating evidence attached to my social and will read the last XXXX, tell me i have committed fraud and they will forward my file for further legal action, and good luck and will hang up. When I told XXXX XXXX i would be filing a complaint with a government he told he did not care what i filed. The calls from a several different places across the US from GA, TX and CA.
Consumer complaint received 2021-09-01
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. (MD)

I woke up to numerous accounts on my credit report that I have no connection to.I immediately called XXXX  and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to XXXX, Equifax and XXXX  via USPS. XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ) XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ). Ive faxed Equifax my complaint and none of these entities has remove the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this. Equifax has even went as far as sending me a letter stating that pursuant to FCRA 605B ( c ), which is a very disrespectful and vague response being that they're not being specific to which subsection they are choosing to deny my demand pursuant to being that there's 3 different sections listed under that law. Furthermore, by providing such a vague answer they're not affording me a chance to rebut their statement directly.

Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 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.
Consumer complaint received 2016-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (NE)

ACS Educational Services , Inc. otherwise known as XXXX is using my entire social security number as a loan identifier. I have sent letters, e-mails, and was assured that the trade line would be removed from all XXXX major credit bureaus. This has been going on for one year. Only XXXX credit report is showing that the trade line has been removed. In addition to this matter, my social security number has been disclosed at XXXX local branches on a computer generated print out. No investigation has been done to find out who is exactly doing this. In addition to this matter, a small claims civil suit has been filed because of this stupidity on the part of ACS who, by the way has over XXXX complaints and is increasing daily. WHO wrote these stupid policies in regards to utilizing a students ' entire social security number as a loan identifier? Guess what else ACS, the student 's are going to find out that you indeed did do this and ACS can expect to be in court XXXX. Then, I hope you are put out of business for good and I hope a class-action is initiated on different levels and multiple fronts. I have filed numerous complaints on different sites in order to show the level of stupidity to include contacting XXXX in regards to this situation. I am afforded that right to do so.-Period! This is financial terrorism and I do n't care what anyone says in regards to this matter. I do n't plan on treating those who may or may not show up to court with respect at all- period. In fact, representatives from ACS will be grilled with questions, truth, and evidence. I am going to shun you and then I am going to turn on the mute button and only answer the Judge. You can expect the questioning in the cross-examination to be very brutal.
Consumer complaint received 2015-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Green Square Company LLC. (TX)

They call my work phone at the XXXX daily with threats of fraud and asked for {$1600.00} for an alleged debt regarding a loan that I know nothing about. I asked for their mailing address and they told me I was evasive. I told him he was evasive for not providing a mailing address and he hung up on me, this was their third phone call to me. Their XXXX phone call indicated they were attorneys and they were calling regarding a file placed in their office. They told me they were filing criminal charges against. Repeated attempts have been made calling my place of employment and harassing me. Their name is XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (VA)

I am a Macy 's credit card holder. Macy 's has a policy even if you pay off the balance in full before the next billing date of continuing to charge you small fees. Usually in the $ XXXX range. I fell for this once thinking I was a day or two late. Over the past year it is continual. If you call and go round and round ( and never being able to talk to an actual person, you will get a prompt, are you disputing your latest finance charge? Press XXXX for yes. I do. Then the voice says, as a customer courtesy, Macy 's will remove the charge. This is not a courtesy. I paid before the next due date. I should not be getting these small bills. I wonder how many other people keep paying this fee trying to get rid of it or how much money Macy 's makes over XXXX card holders every year? This practice should be stopped.
Consumer complaint received 2015-11-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SYNCHRONY FINANCIAL (MI)

The debt collector sent me an email with an 'arrest warrant ' on it. They also stated that they would be, " And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. ''
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (PA)

I applied for a Value City Furniture card about a year ago as I was about ready to purchase a house. Some complication arose and I had to postpone my buy till next month. Now I contacted Synchrony twice to inquire when they would shut down the card due to inactivity. I spoke to XXXX csr on two separate occasions and was told 2 years and 18 months. Well about a year after the card was open, I get a credit alert that my card has been closed this weekend, and it has been nowhere near 2 years or even 18 months. I am infuriated as I thought I took measures for this not to happen, but due to XXXX csr who both gave me bad information, my card if now closed and I will have to figure out another way to buy furniture. I have already talked to more incompetent csr who say nothing can be done. If there is anything you can do I would appreciate it. I am just baffled as I took every step to make sure this did n't happen, but poor employee 's get my card shut down. The reason I asked was because I would have bought something small to keep the card open, which was why I asked on two separate occasions.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Privacy — 
Company: BARCLAYS BANK DELAWARE (OH)

Called on my XXXX credit card for a balance transfer of {$2400.00} to their account. Had always liked this company and was given good service in the past. After going through the typical security questions, I was transferred to another person who only handled security. That person began asking if we had ever owned ( and then gave a list of XXXX-XXXX cars ), that happened 4-5 times. We have been married 52 years and do not remember all the cars we have owned. Finally remembered one she listed. Then asked my husband if he had lived in only one state. Answered no, told her which ones and then she asked from which state his social security number had been issued. It continued with asking about our children. By name, about our daughter who has been out of the house for 26 yrs and is married, where does she live. Then about our son who has been out of the house for 4 yrs. And then about our son who lives with us, age XXXX. During this time of questioning we began asking how does this info apply to this situation and where did they get this info. Was told that all of it is public info but no answer was given on who provided this info to them. At the end, the security person finally gave her approval for us to do what we wanted ( a balance transfer ). At which point we declined, because we had no idea where all of this was coming from, and did not feel safe in proceeding. We let them know throughout the whole issue that we had never gone through anything like this and did n't feel this was right. And for the record, we called one of our other cards and had it done in less than ten minutes. We called the XXXX and they told us to call the Attorney General 's office in OH and they referred us to this agency. All said this did not sound right to any of these agencies and that we should continue to report this especially the questions about our children. They had never heard of anything like this.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CT)

Care Credit, also known as Synchrony Bank, will not allow me to pay my accounts online due to requiring an updated phone number. In this field, it states a phone number is required. It also has a disclaimer, that you can not opt out of, stating the consumer grants permission to Synchrony/Care Credit to call cell phones. I spoke with customer service and they would not give me a way around this prompt so I could pay my bills online.
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. (CA)

This is my 7th Complaint addressed to the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 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 need the following fraudulent items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}
Consumer complaint received 2015-08-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAC Financial Corp (FL)

This company from XXXX XXXX, OK states that I owe {$51.00} to a company called XXXX XXXX XXXX from XXXX, Florida and they have stated that they have investigated this amount owed on my behalf with the creditor XXXX XXXX XXXX that they work for and they have stated in their letter that they are sending this information to the credit bureaus in the meantime without letting me dispute it first and receive a detailed invoice and/or statement for these alleged charges. These people are definitely a bunch of crooks and they are saying that they follow the FCRA which is totally false and misleading. They have never given me any reasonable time to dispute these allegations.
Consumer complaint received 2017-01-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SYNCHRONY FINANCIAL (TX)

Synchrony continued to call me and work and home at inconvenient times ; after XXXX, and scared me by threatening to come by my home and work to pick up the money I owed them. Synchrony continues to report negative info to credit bureaus on my credit reports even after I told them to place " this account is being disputed '' on my reports. After 60 days, they still have not done this. I would like to receive {$5000.00} or more in compensatory award monies and that my debt be cancelled and wiped clean and I be issued a new {$900.00} or so credit card and credit card line of monies. thank you