davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank is decreasing my credit limits and closing my accounts because of errors on a credit report from XXXX about a collection agency from XXXX. I contacted XXXX and the error was removed from the credit report. Synchrony Bank has impacted by credit score incredibily. However, Synchrony Bank continues to use the old credit report. Everytime, I file a complaint with the XXXX my account is closed or credit limit decreased from Synchrony Bank afterwards.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and the letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my report withing 4 business days, pursuant to section 605cof the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts be blocked and deleted. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

On XXXX, Sears came out to my home to fix the garage door that went bad. After the service guy looked at what the problem was. He advised me that the springs were damaged and needed to be replaced. Too my understanding from calling them on the phone, the cost of the springs to be replaced would be {$190.00} plus tax, plus XXXX for the service call. I left my credit card with my father to pay the bill which should have been XXXX plus tax which should have been XXXX total. Sears charged my credit card XXXX, which is a difference of XXXX. I called Sears about the invoice and to know avail did would they fix the bill. Not only would they not fix the bill, the bill does not even give a break down of what was done, which would include parts and labor explanation. They have failed to honor the price that was given to me and have clearly taken advantage of the situation by charging me a price that they do n't charge anyone else. I contacted my credit card company who is also Sears and initiated a dispute and to no avail did they fix the problem. I believe that both companies are working together to rip me off.
Consumer complaint received 2016-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (OH)

I have contacted my bank - this last time was the third time due to fraudulent charges coming out of my checking account. They have issued a new debit card - but the incidents keep happening. They are coming from XXXX - which I have closed my account with them. But after XXXX there is another vendor - the latest being XXXX XXXX XXXX. They say it stems from some computer game. These charges occur every so often ( approximately once a month ). I have to dispute them and keep having to be reissued a new debit card with a new number. I am at the end of my rope as to how to stop these charges. They have also appeared on credit cards. The credit card company issues the charge back into they credit card account. However, the debit card does not. They have you wait - in my checking account is my payroll money for bills, food, utilities, etc. I ca n't wait for that money to come back - that is my spending money and bill paying money. This has been a travesty - I just want unauthorized charges to stop.
Consumer complaint received 2016-03-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (CA)

I started a bank account checking account because I had no other options. I was on XXXX. I do n't remember signing up for overdraft protection and I git hit with multiple overdraft fees. I think they reversed XXXX XXXX I got hit with over XXXX fees in a row, I hen asked then to turn off overdraft but they continued to charge overdraft fees on subscriptions I had. They said I have to have the balance current. There is no branch in my state so I ca n't make deposits either to make my account right. I asked to close the account but they refused. Now I will be charged negative balance fees. Please see my statements. I do n't mind paying a couple fees but they just do n't stop. I cant get them to close the account I am trying to make a new start I just filed my BK case today and I am low income. This is not helping me. That 's why I chose Suntrust.
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (MI)

after speaking with a XXXX . XXXX from Citi card, i 'd still like to know if Citi Card was justified when asking me for additional information regarding my personal accounts. Upon Upon When accepting citi card we had agreed to personal information that would let Citi card know they were in deed speaking with me. However, upon trying to activating my credit card at which time, I was asked for information we had n't agreed to as whys of identifying me as their card holder, we had also agreed too other means of identying me. Does Citi card have a legal right to ask me about my checking accounts as well as my credit card account when this information was not give to them as a means of identification me when I open my account Citi Card.
Consumer complaint received 2016-03-29
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

EBay sale return must be processed through PayPal. Insufficient funds in my PayPal account. Request to PayPal to transfer from checking account at XXXX on XXXX/XXXX/16 for {$150.00}. PayPal requires XXXX business days ( M-F, XXXX-XXXX ) to post to my account. The ACH does not function on Sat & Sun. 
XXXX can not send funds to PayPal because there is no 'routing number ' etc. But, XXXX uses PayPal to process its mobile app. 
I want this lie about the federal financial system not processing funds on 'non-business ' days to stop. It is a lie, they are using a float time for profit at my expense. If I can buy a burrito at XXXX XXXX and see it on my checking account by desert PayPal can do that as well. 
PayPal must provide banks and customers with a 'send to/transfer to ' routing number or they should be put out of business, No reason my credit card must be processed through PayPal at eBay except for gouging the public. 
No way to resolve problems by email with eBay or PayPal. Must go online to get telephone number and code, the machine answers and refers me back to the website where there is no way to send problems unlike other retail firms. Round about we go, losing it with XXXX in XXXX as I go.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MO)

I am new to USBANK and am very concerned with their unethical ways of charging overdrafts. I have had several instances where I will have a total of {$100.00} in my account and my total charges come to a total of {$110.00}, XXXX leaving me with a negative balance of - XXXX I accept blame for this but where their practices seem shady is where they will charge me {$36.00} overdraft fee for EACH item that comes through within that time frame .. instead of XXXX over draft of {$36.00},. they tell me they are charging me for EACH item they had to pay for in that time frame. Even though they already " pended '' out all current charges and subtracted them from my available balance so they could not be used and that XXXX transaction caused me to overdraft .. they charge me for MULTIPLE overdrafts. Now, i understand they had to pay the negative item transaction that came through which made a difference of negative {$10.00} that there was not sufficient funds in my account to cover it but to tell me they charged me {$36.00} for transactions that I clearly had money in there to cover all items besides XXXX is ludicrous. They then charge me an additional {$180.00} XXXX XXXX overdrafts at {$36.00} each ) causing me to become more in debt and then more overdraft fees. I already live in poverty and {$180.00} can go a VERY long way. I have talked and emailed a formal complaint to USBANK themselves with no help. I talked to a customer care rep today by the name of XXXX and she tried to explain the overdraft working of their bank. This did not help and left me more confused. XXXX instance is, my account statement clearly states I had {$23.00} in my account when a debit charge came through for {$8.00} leaving me with an available of XXXX I was charged {$36.00} overdraft fee leaving me with a negative balance of - {$20.00} which in turn caused a {$7.00} transaction to be hit with a {$36.00} overdraft fee. When does it end? I now know the reason why more people are using re loadable visa cards. Their online banking is also very confusing to which I think is on purpose to collect more overdrafts. They also told me the monthly statements do not reflect how the transactions are taken out of my account? How is this possible? and how is it possible for me to see what is going on with my OWN MONEY when they do whatever they want. Please help.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-04-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

Our Condominium Owner 's Association is a small association of XXXX condominium units. In XXXX XXXX, one of our owner 's, stopped paying her monthly dues. A Notice of Delinquency was mailed to her on XXXX XXXX, XXXX. Shortly after, she was admitted to a XXXX. The Association was informed that it was unlikely she would be able to return home. 
Monthly dues have not been paid for 18 months. We placed a lien on the property on XXXX XXXX, XXXX. 
As we are a small association of elderly residents, most on a fixed income, the remaining owners have had to make up the shortfall, which is a hardship for all. We have had to not only cut back on much needed maintenance projects, we are unable to adequately plan for future major expenses. Though various residents have undertaken to help maintain the property, it continues to decline in value as it has not been occupied for so long. 
We have contacted a real estate agent who has been working with the mortgage holder of the property. Our understanding is that Chase Bank has yet to foreclose on the property, even though the mortgage is in arrears. Other real estate agents in the area have had offers on the property, but, according to agents, Chase will not respond to any of these offers. 
We are desperate for relief in this situation. It is affecting not only our individual finances, but also our quality of life and the investments we have worked so hard to maintain. 
Please let us know what steps we need to take. We greatly appreciate your assistance. 

XXXX Condominium Owner 's Association
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

If I do n't pay the monthly amount due on or before the due date, by XXXX XXXX. the next morning, they start blowing up my phone and will call 10-15 times a day from SEVERAL different telephone numbers. They have even called when I was at XXXX on a Sunday morning!!!!!! They also tried texting ( but I blocked that ) and send several emails which go to my spam folder!!!!!! They have even called my work telephone number and my references on my application when a payment is n't even 30 days late!!!!!!
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (GA)

We have a Sams Club Credit Card ( Synchrony Bank ) and they have a practice of lowering your credit limit after running random credit checks. Doing this continues to negatively impact our credit. For example, we may have a credit limit of {$1800.00} with a balance of {$1600.00}. After a random credit check, Synchrony lowers our credit limit to {$1600.00}. To those looking at this account, if now looks like we are over our limit, which can negatively impact our credit score or be seen negatively to someone if we were looking for credit.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

i been asking for verification and documentation providing accurate information on my credit report to make sure its 100 % accurate its been 4 months of disputing that 120 day and no documentation received on XXXX XXXX they deleted a account XXXX XXXX XXXX XXXX account # XXXX they put back on XXXX XXXX 2024 that breaking the law over and over I'm requesting assignment contract from any creditor thats reporting bad information on my profile please and thank hope I finally can get some help 15usc code 6802 15usc 1682b 18usc 1028 plz remove these item or
Consumer complaint received 2017-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

My Student Loans Are Serviced through Navient. I am currently in default and wage garnishment, because they have offered me nothing but interest-increasing repayment options, an their desired monthly payments are never within reach for me to pay. Even after I fully detail my finances to them, including medical expenses which I dont think is their right to ask about, they still manage to make the payment XXXX dollars more than I can afford. They have also illegally practiced the collection of my debt, at first using threats, then combining those threats with more abusive language, calling me illegally, calling before XXXX an after XXXX, and sometimes even after XXXX. They have refused to let me switch service agents when the ones I have used were rude, and they still call me harassing me even while they continue to garnish my wages. I paid over XXXX in interest alone this year because of them.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to a XXXX agency/company which sense it to the all XXXX credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.
Consumer complaint received 2016-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (LA)

My account has been on autopay, withdrawing {$58.00} every month on the XXXX. On XXXX/XXXX/16 my bank account had a withdrawal of {$790.00}. I did not receive any notification that the amount would be increased. My loan servicer is Navient. 

Not only was this a major surprise, as I am on an income contingent repayment plan, but this happened 2 days before XXXX ... leaving me no way of contacting my bank to dispute the charge or Navient because they are closed for the holiday until the XXXX. Luckily I had the money in my account, but it left me with {$1.00} to survive on for two weeks until my next paycheck comes in.
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

Nevient is my lender.. I have made many attempts with income base and still being to high to a level I am unable to pay. I never get notice to renew. They factor my overtime which I am not always guaranteed. This causes me to continually place my account in forbarnces. Customer service is never any help. I want to pay back however, they are not making it easy to do so causing my interest to increase. They also are not helpful with getting me enrolled into loan forgiveness as I work for civil service.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX shows no data on my credit report available, but report 90 days late in XX/XX/year>. Its also reporting XXXX late payments but reporting 90 days late payments. Everything I dispute this the credit bureaus are sending it back to me within 2 days saying they updated my report but its still reporting negative. I dont want this remodel my credit because its a old account I just want those late payments removed because its reflecting XXXX late payments
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I request your support regarding the incorrect account reported on my credit file. This has affected my standing as a customer, and I need your help. I want these accounts removed, as they are inaccurately and negatively listed.