davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

In accordance with a fair credit reporting act [ XXXX XXXX # XXXX and XXXX and XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

CFPB do not re-write my questions, send a copy of what i write i dont need an interpreter NOTICE OF ERROR I paid my Flood Ins on XX/XX/2020 for {$740.00} you continue to send duplicate checks on a non-escrow mortgage
Consumer complaint received 2023-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

I am currently enrolled at XXXXXXXX XXXX XXXX University as a full time in person student. Navient is refusing to recognize this and are trying to force me to pay while I'm in school while ignoring all the documents I've sent them proving that I'm currently enrolled.
Consumer complaint received 2024-12-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (GA)

Schools first federal credit Union. I took out a personal loan in XXXX vehicle loan. I had a work out loan. The workout will be paid off in XXXX of XXXX, the vehicle was XXXX XXXX. 
{$310.00}. 
now the vehicle is XXXX XXXX balance. I've been really abused with this credit XXXX. With my credit card and my personal loan. And my vehicle since the XXXX virus took place in XXXX. XXXX. 
In collection, I have recordings of all the conversation on how he's been handling.My files Very hard hardship.I 've been in with my mortgage and my loans Please, help me.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I purchased a 3 pack of Vanilla VISA gift cards at XXXX on XX/XX/XXXX for XXXX gifts. The 3 pack consisted of three {$20.00} gift cards and I paid a total of {$68.00} for the pack. After XXXX the recipients attempted to use their cards and they were declined as the cards have no value on them whatsoever, which was then confirmed by checking the balance of the cards using the phone number on the back of the card. I have been trying to get in touch with the company, XXXX, for weeks now via the number on the back of the card. Currently I have 1 card on my possession as it was given to my son for XXXX - the other 2 recipients are not local to me. At any rate, the hold times have been extremely long but I finally got in touch with them today ( XX/XX/XXXX ). I spoke to a representative, XXXX, who was extremely rude. The worst customer service I have experienced in a long time. She said she would open a case- I reluctantly provided her all of my personal information - information that truly I did not feel comfortable providing as I have just gotten scammed by this company ( or at least by the purchase of goods from this company ). I provided my name, DOB, address, phone, email, all of the receipt information from when I purchased the cards. However, she then asked for a copy of my drivers license front and back - that is ridiculous!!! Ive been scammed out of {$69.00} and now the company involved in the scam wants me to give them enough information to scam me again. Thats crazy! I asked multiple times to speak to a manager which she refused to transfer me. She also is requiring copies of all 3 cards which I had already told her I only physically have 1, the other 2 are over 200 miles away as they were given as gifts which turned out to be completely useless gifts. I told her I was going to file a complaint and she then said well if youre going to file a complaint then we wont be able to open a case or reimburse you. Horrible, horrible customer service! I havent been refunded, at this point they are refusing to refund without a copy of my drivers license. When I asked what exactly they need all of this information for, she had no answer other than Its required. I know for a fact it is not required to open an investigation, and would gladly send a picture of the receipt and the gift card that I do have in my possession, but I will not release a copy of my drivers license to a company thats involved in scamming consumers.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.
Consumer complaint received 2022-09-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I still not getting my question answer! 
I do not want to remove him if I dont have too! 
According to him he is done and signed all documents court order, warranty deed as you ask for! My question is this according to XXXX  and XXXX rules we can do a loan modification with out XXXX XXXX! The law changed for us because of lenders like you!! I am attaching proof of the law! I need answer why you are not abiding to this law??? I just want to do a modification on my house and move forward ti my credit is good and move my loan somewhere else! You have been so stressful and difficult in my life that I lost my hair and making my health even worst!!! See attached documents
Consumer complaint received 2021-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NV)

I applied for public service loan forgiveness on XX/XX/2020. I have completed all requirements. Such as 10 years in public service as well as yearly employment certifications. When contacting FedLoan they stated it can take up to 3 months for forgiveness. It has now been almost 5 months and nothing. They state the application has been forwarded to Federal Student Aid. When contacted they provide little information regarding the status of my application.
Consumer complaint received 2022-07-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

I opened a dispute through Synchrony Bank on XX/XX/XXXX, They said it would take unto 60 days to contact Ashley Furniture store to investigate. After the time passed, on XX/XX/XXXX I see a balance due with no letter or notification from Synchrony bank. 

Synchrony has failed to mail or emailed a resolution letter of their investigation that I opened XX/XX/XXXX, XXXX synchrony has failed to do a thorough investigation. if a proper investigation was done synchrony would have realized that Ashley made a mistake, a typo and so they sent me the wrong item, Ashely sent to my HOME Item : XXXX INSTEAD of Item : XXXX. 
I DID NOT authorize or approved for item Item : XXXX to be sent to my home. Cant you not see the typo Ashely made??? On XX/XX/XXXX I filed a dispute with Synchrony bank. I told Synchrony that Ashley store furniture has failed to provide me with the item I had originally purchased. They delivered the wrong item,. I was told by synchrony it would take up to 60 days for a resolution. Since Ashely couldn't get together my order correctly I requested a cancellation of everything ( which was only 1 queen bed and they have failed to cancel. I should not be responsible for an item I didn't purchase or approved. .I went to store located in XXXX XXXX on XX/XX/XXXX. I purchased a bed on display, called XXXX XXXX XXXX XXXX XXXX bed Item : XXXX ( ( which included storage ) as seen on their display model. Instead ASHLEY SENT the WRONG item. I received XXXX XXXX XXXX XXXX XXXX : XXXX. not the Upholstered version. AS you can easily see ASHELY made a mistake, they made a typo on my order, they entered Item : XXXX INSTEAD of Item : XXXX Therefore, I? d like to request a proper reasonable instigation, on said dispute said transaction, I? m terribly dissatisfied with Synchrony handling my case. I should in no way be responsable or pay for item that I didnt order or approve or received. Briefly, I? d like for synchrony to please correct the error on my account promptly. Sincerely, XXXX XXXX
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (DE)

A week and a half ago, I went to deposit {$2400.00} of my personal money to my banks ATM. The ATM machine took my funds but did NOT deposit it into my account. The ATM didnt give a recieot either. The teller, XXXX XXXX, said she would contact me with an update, regardless of the outcome. A week passes, she never does. I had to physically return to PNC looking for her just for her to say my dispute was denied, she doesnt know why, theyll be sending me a letter. 
I feel she lacks integrity for the job. And PNC as a whole is just a huge scam to me at this point
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2020, XXXX XXXX/XXXX incorrectly reported a past due balance of {$100.00}. The remaining balance of {$37.00} on account in question was paid off on XX/XX/2020. I requested this discrepancy be corrected, but have not received any further assistance with it.
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA (AL)

In XXXX I went to the car dealership, Hyundai motors, with my now ex-fiance we were trying to purchase a car. He did not qualify for the car based on credit. I originally told the salesman that I did not want my credit pulled by multiple companies and didn't think I should have qualified at all due to my XXXX and I already had a car payment. The next thing I know my credit was indeed run through several different companies and I am assuming I didn't get approved with any of the other companies. So they looked into in-house financing and said that got me approved. I felt really uneasy about this because I knew that the payment was extremely too high. The salesman kept applying pressure saying well your fiance can make the high payments and in a year you all just come back and we can do a refinance. I still felt uneasy about going through with this but the salesman kept reassuring me that this will be fine. 

I really felt like this was predator lending because I should have never qualified for the loan and fact the salesman knew the payments were really high based on my XXXX and they never verified my income. On top of adding pressure on the vehicle. The Salesman should not be able to apply pressure on someone when they don't feel easy about a purchase and should have said to think about it and let me know.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : Private XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, and Equifax, credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-03-21
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: CITIBANK, N.A. (NV)

reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2023-02-01
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

A collection account was removed from my credit report from XXXX. My credit score did not increase. My credit score should have increased by at least 23 points for the removal of the collection account from my credit.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (HI)

On XX/XX/2023, I contacted XXXX XXXX, Synchrony Bank, XXXX, to raise concerns that the online record of my Care Credit account was inaccurate. On that same day when I accessed my account online, I noted 2 duplicate transactions listed as *both* pending and completed in my account records. See attachment. 

She acknowledged that there are lags in removing a pending transaction after it is completed. She added that " nothing can be done '' as records are systematically updated by a computer. I noted that online financial records ( or any record for that matter ) need to be accurate as inaccuracy causes confusion. Further as an account holder, I had never encountered this problem until this year, 2023. So a recent change is causing this problem and it needs to be corrected.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP (FL)

I am a Valley customer. My complaint is that they are NOT transparent. They dont send mail and they dont provide online access to mortgage documents. When I call representatives are not friendly and they have weird business hours like closing at XXXX XXXXXXXX XXXX. 

They tell me they paid my tax and insurance which is why I was charged XXXX dollars extra for a few months but then insurance company contacts me for requesting to pay the bill as Valley did not pay nothing. Nobody I can catch to talk to, they are not friendly not helpful plus I cant access to my statements. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX of XXXX
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (PA)

On XX/XX/2020 Professional Account Management ( P.A.M. ) sent an invoice via email. The invoice was from the PA Turnpike totaling {$570.00}. I paid the invoice via P.A.M.s website. I was not supplied with a receipt after payment. PA Turnpike is stating they did not receive the money from P.A.M. PA Turnpike and PAM no longer do business together. I called PAM and they are stating they dont have my account. I have the email that was sent and the transaction from my bank statement showing that the balance was paid. I believe both companies to be unethical and are trying to get me to pay for a debt I no longer owe.