davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I have a subscription with Experian, and there is information on my report which seems inappropriate and counterintuitive. Background : Until last week, I had an open, non-mortgage loan with the Federal Government, and this loan was listed on my credit report as an item that was hurting my credit score. I have since paid off [ early ] the entire loan, and this has finally been recognized on my credit report, as my score went up slightly. However, I still have the same number of negative items ( 3 ) on my credit report. XXXX items have n't changed for a long time, but now there is a new " negative '' item that is hurting my score - " NOT having an open, non-mortgage loan! '' So, now my score is apparently negatively impacted by NOT having an open, non-mortgage loan. Until last week, HAVING such an open loan was the negative item. I contacted Experian about this, asking how having such a loan could be negative while now I have a negative item by not having such a loan. Experian replied by saying that it 's not a credit bureau but, rather, an online provider of reports, scores, and credit monitoring. I replied to them with a screenshot of their home page, which contains a link to purchase a " XXXX-Credit Bureau report '' ( since Experian is apparently not a Credit Bureau, I imagine that the report on Experian 's home page pertains to XXXX other agencies. In this era, so many decisions - some moderately important, some critically important - hinge on one 's credit report/score, and I feel that, as a consumer, I should be entitled to know the extent to which items on my credit report are either increasing or decreasing that very crucial metric, known as the credit score. Instead, I receive a suggestion to contact a credit counseling agency. I have no idea how an arbitrary credit counseling service would be able to explain Experian 's methodology to me, let alone why having an open, non-mortgage loan would have a negative impact while, now, NOT having an open, non-mortgage loan would have a negative impact. Why ca n't consumers know how the credit score is calculated when this score can literally shape a person 's life. 

Regards, XXXX XXXX
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRSTBANK (CO)

I am putting in this complaint on behalf of my nephew, XXXX XXXX. The complaint is against First Bank. He was XXXX years old and a XXXX when he opened the account in 2014. I went with him to the bank and made sure that he had opted out of the Bank paying for anything if he had no funds in his account. He had borrowed some money from another financial institution and they were withdrawing monthly payments out of his account. He lost his job and his account dwindled to XXXX. It was our understanding that he was ok as far as the bank was concerned since we had told them not to pay for anything if there was no money in the account. However, the bank has built up an amount of almost {$250.00} that they say were charges for refusing transactions to the financial institution that XXXX owed some money to. This is fraud of the highest order. We were never informed that the bank would charge for refusing transactions also. We went in to the bank a couple of times and were told that we needed to come back with {$250.00} in hand. We were also given illogical explanations for why it was alright for the bank to charge XXXX for refused transactions. This was very disrespectful. 
We request that all charges be dropped immediately and the bank apologize for making this entire situation so stressful and disrespectful.
Consumer complaint received 2016-06-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

Our son was involved in an automobile accident. Which XXXX sent them a check for the car. It was also covered by GAP Insurance. Ally Auto has refused to work with us. This has been going on for 5 months now and the car is NOT paid off. Everything we call the department they say is handling the account we are told it is not there. On XXXX XXXX, 2016 the insurance company mailed a check out after they were told that they were issued the letter of guarantee. As of Friday, XXXX XXXX, XXXX XXXX does not have the Title and the loan is still not paid off. Ally repossessed the car sometime, not even sure when at this point. It was deemed a total loss. When I called Ally Auto in XXXX the Account was in the Total Loss Department. I advised them that they had the car. The account was n't even documented that they had the vehicle. We can not get any one to work with us or to even return our calls. They have not even attempted to contact us. As of Saturday, XXXX XXXX, 2016 we have received our XXXX letter stating Ally is going to sell the car at auction. They are aware that it is an insurance claim.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (OR)

It started with the need to get help for my cat who was XXXX. So I headed to the Vets Because I 'm on a fixed income, ( a non-service related XXXX pension ) and have been struggling financially for some time now, I simply did not have the finances to cover the {$72.00} fee to give my cat the needed medical attention. When it was suggested that I open an account with " CareCredit/Synchrony Bank '' to help her, I felt I had little choice. It was either that or let my cat continue to suffer. At the time I was not much concerned with any of the fine print or policies of CareCredit, I was stressed out enough just having to deal with relieving my cat 's suffering. 
I 'm XXXX and barely surviving on the small stipend the XXXX. pays me, so when I received CareCredits first bill stipulating that I pay {$25.00} a month until I pay it off, I immediately called them, and pleaded with the representative that I was already struggling just to survive, and would it be possible if they could be a little flexible with me by allowing me to pay them XXXX or XXXX dollars a month until I pay off the {$72.00}. They said absolutely not! and they stated that for every month I did n't make the {$25.00} payment I would see an increase of {$35.00}. 
Well as of today after missing five months of payments on my bill it has risen to {$220.00}. They have now turned the issue over to " XXXX '', an aggressive collection agency. I 've tried my best to reason with all concerned parties, but to no avail. And they are no longer interested in the XXXX dollars they want the whole {$220.00}. Anyway, any help would be most appreciated. Thank You.
Consumer complaint received 2016-08-05
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 (CA)

In XXXX of this year ( 2016 ) I obtained my credit reports from all XXXX credit bureaus, I discovered XXXX XXXX, XXXX ( XXXX '' ) reporting a trade-line on my consumer credit files for an amount of {$950.00} for GE CAPITAL RETAIL BANK. 

I mailed a XXXX a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # XXXX XXXX XXXX XXXX XXXX XXXX ( letter attached ). I received a reply from XXXX XXXX, XXXX stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). XXXX XXXX, XXXX failed to acknowledge my dispute and continues to report the erroneous trade-line. 

I disputed the trade-line furnished by XXXX XXXX, XXXX with XXXX and XXXX USPS Certified Mail ( Letter Attached ) and remains on my XXXX separate credit reports.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (WI)

My credit limit on XXXX credit cards with Synchrony were lowered due to a credit bureau pull they completed to under the amount owed or at the amount owed. This was a XXXX card and a XXXX card only that I applied for in order to help improve my credit. the XXXX card was lowered to XXXX and the XXXX card lowered to XXXX. They say it was due to items on my bureau? First, although they can adjust my limit at anytime per my agreement, I never authorized these bureau pulls. And since my husband and I gross over XXXX per year, and these were medical bills in dispute, when they are either paid or settled, will synchrony restore the prior limit? Also, how is this fair to consumers as now this has also lowered my credit score even more, as it now looks like the credit utilization for these accounts are at 100 % when before they were not. So they XXXX pull my bureaus and then also lower my score even more??? And these are on small cards? I could understand if we had a large reduction in income or debt owed with very high balances. But that is not the case. It was medical bills that were well under XXXX which is less than 2 % of our gross income?
Consumer complaint received 2015-07-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (AL)

In 2013 I had an appointment with XXXX XXXX in XXXX for a problem with XXXX XXXX. The ad I responded to stated that is not successful there would be no cost. 
I received an XXXX that did not satisfy my problem. My problem was I signed a contract expecting good things to come from this treatment. I was presented the contract and was told this was nothing to be concerned about, just part of the process. I also told the interviewer that I would be eligible for Medicare in a few months and was covered by XXXX. The interviewer ( XXXX ) told me XXXX paid good. I made the mistake and gave him my Care Credit card showing my good faith. I received a call from Care Credit a few days later ( taken by my Wife ) asking If I was sure I wanted to continue with this account. At this time I felt I would receive XXXX. I was given XXXX XXXX to take home and use, but never got any positive response. I aske for a refund in cost paid. They asked me to make another appointment. I do not trust the clinic and fear for my health is I went back.
Consumer complaint received 2017-01-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL (AL)

We have been dealing with a debt collection agency which has turned from a debt to a harassment. We are now getting XXXX-XXXX calls a day on XXXX different verizon cell phones. Not to mention the certified letters and the regular incoming mail. We have spoken with this company on several different occasion to work out a payment plan for the company just to play around with the interest rates and payment amounts. Even after bringing the account up to date. We have also asked the company not to call back since we are more than aware of the bill especially considering the call volume. We even receive these calls on weekends, there is no break ever. enough is enough.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NV)

I have XXXX inquiries on my XXXX credit report over a 2 year period from SYNCBPAYPALEXTRAMC XXXX. XXXX XXXX XXXX, Florida XXXX. I have never applied for any credit card through this company. I have called them 4 times to inform them that those inquiries are not mine and asked them to be removed. Each time they promise to remove them and never do. They did put a fraud alert on my account. I have written two letters as well. I received one letter of apology declaring they will remove the inquiries and a second letter stating that they need proof and that the XXXX different credit monitoring programs I use are not proof. They wanted the report directly from the credit bureau. I sent them the exact proof directly from my TransUnion report. Instead of fixing it, on XX/XX/XXXX they added the XXXX inquiry. This has lowered my credit score significantly and is unacceptable as I am going to move soon and can not afford this on my report. These are not mine and I should not be penalized for this SYNC PayPal 's fraudulent practices and lack of a timely solution.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (NC)

On my Barclays XXXX Red Mastercard, I was given an incentive to earn XXXX XXXX XXXX miles by spending {$500.00} or more XX/XX/2016. I did just that, spending {$500.00} in XXXX, {$500.00} in XXXX, and {$500.00} in XXXX. My XXXX statement even shows the miles as having been earned ( " Bonus or promotional miles earned this period + XXXX '' ), but the miles never posted to my XXXX XXXX account XXXX XXXX XXXX. My account was by closed by Barclays in XXXX, which I accept is their right ... .but the miles I had already earned by completing their bonus spending incentive should be mine to keep.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

I set up my payments to be paid on Lowe 's credit card site. I have XXXX bank accounts to set up for payment. In XXXX and XXXX 2016, I attempted to make a payment that returned because my bank said the correct account number was not presented. I checked the portal and confirmed the correct account info was there. When the payment " returned '' as stated by Lowe 's credit card, I immediately went in the store to pay. I called in to advise what happened and was told that my account was closed and no purchases could be made. I have a XXXX balance and had a XXXX credit limit. When questioned I was advised that my account was closed not for non payment or late payments but because of XXXX returns in 12 months. This is an Unfair and Deceptive Practice. My items were not paid because the were not presented correctly. Now closing my account will affect my Credit Score which is a violation of FCRA due to providing inaccurate information. Lowe 's Credit never disclosed that a credit limit or account will be closed due to an item not being paid. The agent told me that the system automatically closes the account and if I want to reopen I have to reapply. Again another inquiry will drop my credit score. I am very proud that of my credit score and that I pay all my bills on time. This incident will negatively affect my Credit and I did not cause the problem. I could understand the closing of the account if I was delinquent, but I was not. Please also note that I paid my account off in XXXX by paying XXXX in the store which was paid. XXXX and XXXX payment that was not paid due to lowes credit error was a XXXX payments. Please correct my account. If the account will remain closed, delete the trade line. Account Closed by creditor negatively affects a consumers credit
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (KS)

Barclay credit card states that I am to receive XXXX pts per dollar spent at XXXX hotels. I am only receiving XXXX pts. I have called numerous times to resolve this issue. It was resolved a few months ago and I was awarded my earned XXXX pts. It is now back to XXXX pts, I have called and received case numbers ; however, no resolution.
Consumer complaint received 2016-02-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

Conn 's begins auto calling my cell phone beginning at XXXX the day after my bill is due and continues to call 8-10 times per day, everyday including the day the bill is paid. The calls start around XXXX each day and do not stop until XXXX each day. It is an auto call with a prerecorded message asking me to contact XXXX 's. I have complained to Conn 's about the harassing calls and have asked them to stop but was told they are allowed to call me. I understand calling when a bill is past due but 8-10 times per day is excessive and borders on harassment. I have a record of every call from them each day. They also call from different numbers each month making it next to impossible to ignore these calls. Even if I make a payment arrangement, the calls continue. I just want them to be reasonable with their calls. 1 or 2 calls a day is fine but not almost every hour.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns collection practices should be considered harassment. They call you the day after your payment is due. So for example if it is due on the XXXX they are calling you at XXXX on the XXXX. They call all day long and at times it is twice a hour. If need be a can show phone history. The topper was today when they called me. My payment was late I admit. It was due on XX/XX/XXXX and I scheduled it for XX/XX/XXXX which is less then 30days. The payment cleared my bank as I have proof. They then preceed to call me today at XXXX and again at XXXX requesting XXXX and XXXX payment. I spoke with a nice lady who said it was a error and she stop the calls. Less then a hour later the calls continue. At this point I was frustrated and told the lady I was done talking with them. I owe less then {$200.00}. My whole experience with them has been terrible. My furniture is terrible. The screws are falling out of the chairs and the fabric has come off the recliner. They claim the insurance i paid for does not cover my table set and the fabric chapping is not covered either. Then they offered me a extension earlier this year and then reported it against my credit. I need to know what can be done. I tried to dispute with no luck. I am so done with Conns.
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (OH)

I have a GAP Visa credit card issued by Synchrony Bank. Synchrony allowed a transaction to go through that exceeded my credit limit. We were not notified and did not realize this happened until the next time we tried to use the card and it was declined. We immediately made a payment that more than covered the overcharge. However, the bank notified credit agencies that we exceeded our limit prior to receiving the payment. I called the bank to complain and asked how we can be reported for exceeding our limit when the bank authorized the payment. This makes no sense whatsoever! I was told that as a " courtesy '' the bank allows a certain amount of charges over my credit limit. I consider this a discourtesy, as I would have used a different credit card had I known that I had exceeded my limit. I asked the bank to have this courtesy service deactivated, and I was told this is not possible. I wonder how many other consumers have their credit damaged as a result of this " courtesy. '' Consumers should either have the right to have this service turned off, or the bank should be obligated to notify the consumer that their credit has been exceeded. I was told that this service is explained in my credit terms, but if it was, it was not called out prominently.
Consumer complaint received 2016-12-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank was the Bank that provided loan for the 'Car Care One ' Account I had opened to charge my balance for maintenance work on my car at XXXX in XXXX , TX . 
I have been paying Synchrony Bank through automated payments from my Checking Account. I was getting an automate call from the bank itself ( and never has it been identified in the call that there was 'collection issue ' or my account is 'delinquent ' in all the calls - almost every month on XXXX to date ). I was under the impression I was regularly paying my bill from my checking Account and my payments were all going towards my principal debt. I got suspicious today that the debt was taking too long to pay-off and when I got the call today ( XX/XX/XXXX ), instead of the regular 'automated pay ' option I was using, I selected the option to speak to the Representative and then on further discussion with her, I got the rude shock that they have been charging me a 'late fee ' of {$25.00} every alternate month without my Knowledge and to my chagrin I found that out of the {$57.00} payment I was making through these automated payments from my checking Account, {$25.00} was going to the " Late Fee ' and only the remaining {$32.00} was going towards my " actual payment + interest ''. 
In Total in XXXX to date, the Late Fee Charged : {$130.00} By Misleading me this way, Synchrony Bank has been racking up 43.85 % of my payments ( 25/57 * 100 ) towards 'Late Fees '. They could have clearly indicated to me in the very first automated Call I got in XX/XX/XXXX or even before in XXXX that it was a 'Collect Call ' and these calls were not for 'regular automated Payments ' but because somehow I was late on the Account. I would have setup online automated payments toward my account a different way, the way I normally pay all my other credit cards. But by misleading me this way, they deliberately seem to be indulging in this practice so that they can just get almost 44 % of my payments towards " Late Fees ''. 

My Account # is XXXX. I had an outstanding balance of {$200.00} today morning and I made another {$60.00} towards my monthly payment of which {$25.00} was towards another late fee and only {$35.00} was towards my outstanding balance of {$200.00}. I was VERY Upset and wanted to Pay-off the whole outstanding balance of XXXX and close the Account but I did not do that as I wanted to register this Complaint and was apprehensive my complaint may not be actively adjudicated if the Account is closed. I will be paying regular payments directly ( not thru Synchrony 's automated Call ) and will keep the Account open so that this Complaint can be actively investigated thru your esteemed offices. 
Thanks very much. 
Sincerely, XXXX ( XXXX ) XXXX -Cell. 
XXXX Account # : XXXX. 
My Address : XXXX, TX XXXX.
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (IL)

My dentist offered Care Credit which I set up so that the entire balance would be paid in full by the last billing date. Initial purchase appears to be XXXX/XXXX/XXXX but I received no statements until XXXX/XXXX/XXXX which showed that the promotional balance had expired and now my initial purchase of {$1400.00}, of which I paid {$1400.00} as of XXXX/XXXX/XXXX ( billing cycle ), shows a new account balance of {$1500.00}. 
I called Care Credit and they claim that they had been sending statements even though they had the wrong last name and the wrong email address. I feel completely taken advantage of since they finally sent a paper statement after the expiration period.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I received an alert from Experian that I had a new account reported from University XXXX XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX XXXX XXXX XXXX and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. I then contacted Experian and filed a dispute. An agent at Experian in the special services department tried to call the University XXXX XXXX and they were not able to find any information that matched me on their system. I asked if this was sufficient verbal confirmation to remove this account from my credit file and I was told it was not. I am buying a house and I need this resolved as soon as possible.