davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (NV)

Sterling Jewelers has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my XXXX credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again Sterling, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact Sterling made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. XXXX information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from XXXX, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.
Consumer complaint received 2022-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

To Whom It May Concern : This is in response to CFPB complaint ID : XXXX. Thank you for your letters dated XX/XX/2021, and XX/XX/2021, wherein you confirm my outstanding balance as requested. It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form for loans with the following account numbers : XXXX XXXX XXXX
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

This complaint is regarding XXXX XXXX 's ASHLEY FURNITURE XXXX / SYNCB account ending XXXX. 
On XX/XX/2021 around XXXX PST. I called ASHLEY FURNITURE XXXX / SYNCB customer service due an unexpected balance of {$40.00} late fee appeared in my account posted since XX/XX/2021 I wasn't expecting this since I already made the payment on my account for amount of {$87.00} on XX/XX/2021 & another {$87.00} onXX/XX/2021. I was expecting that my account will be up to date. I have ask the CSR to help me out to waive the fee of {$40.00} but declined to do so. The account representative told me that he can not waive the fee and has no means of information or access to waive it. 
I then asked to be transferred to the account manager who I believe has more access to grant my request. However, the CSR told me that the manager will say the same thing and can not anymore help me out to waive the late fee of {$40.00}. 
Wow, really, seriously, for {$40.00}? As a long time customer who is asking for your help to waive this fee has been strongly denied to be help out. I have been patiently paying my debt in ASHLEY FURNITURE XXXX / SYNCB even though the I find the minimum charge on this account is so high compared to other minimum monthly payment that other credit card company is asking and aside from that, synchrony bank has been changing their minimum monthly payment amount without a notice. I mean, there should be at least a written notice from ASHLEY FURNITURE XXXX / SYNCB that consumer will expect this kind of amount to be the minimum charge on the upcoming month and so forth. 
Is this one of your scheme not to inform your customer that your monthly minimum charge will go up so that you can just boom charge us with late fee? 
I mean I've seen it fluctuates. 
I will not pay that {$40.00} extra, because i know I made the payment on time, it's just that ASHLEY FURNITURE XXXX / SYNCB changed the min. monthly charge and make it higher than I used to pay. 
All I ask is this should be settled so I can be back in my normal life. This amount of {$40.00} late fee has to be waived. 
This issue has been stressing me out and should be waive for the sake of helping out your customer. ASHLEY FURNITURE XXXX / SYNCB should extend their hands to be more considerate and don't push their costumer to pay more and more.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Derogatory marks generally stay on your report for 7-10 years, but their effects can start to fade over time. 

Overview Reference Number XXXX Date FiledXX/XX/XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Since XX/XX/2019 Portfolio Recovery Associates has been violating my rights by reporting an inaccuracy for the past 27 months on three different credit reports. I have attached all for reference. These NUMEROUS violations include but are not limited to 15 USC 1692A ; 15USC 1692J ; 15 USC 1681 A4 ; 15 USC 1681a2 ; 15 USC 1681A ( 2 ) ( a ) ( i ) ; Title 31 USC 3123. Per Federal Law I would like my compensation for each violation and the damages that were caused by this reporting to my credit report. 


Not only was PRA reporting the incident but the Big Three XXXX XXXX  have been reporting the inaccuracy and claiming its been verified for multiple years now. Its time they are all brought to justice.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAVALRY INVESTMENTS, LLC (NC)

I have received a copy of my credit report and it shows company CAVALRY PORT ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$540.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. 

Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Installment Accounts : XXXX XXXX XXXX  XXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-08-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complete in XX/XX/XXXX I asked for trans union or XXXX  XXXX XXXX to review the obvious error being the Open date Of a loan starting 16 months before the bank ever started to show payments. Every account I had with them they manipulated by showing I paid them off before a year even though thats impossible as I have proof of what I paid monthly so by them doing that they are hurting my credit beyond bad because none of those perfect payment loans are showing to my report correctly. I see how I lose but not sure how they win by doing it but its clear as day in the closed accounts section. Look at open and closed dates.
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I sent a letter to Portfolio Recovery Associates , LLC alleged account number XXXX, dated XX/XX/2022 with certified mail number XXXX XXXX XXXX XXXX XXXX, in which they received on XX/XX/2022 XXXX XXXX, VA XXXX according to the XXXX website. 

This XXXX  account is causing extreme XXXX hardship and pain. It is making it extremely difficult for me to acquire credit.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I opened a account with pay-pal in XXXX. I have a money balance of {$34.00}. I'm trying to get this money sent out to me like I have over the years and NOW in XXXX Pay-Pal says they can't close my account and send me my money of {$34.00} unless I give them my Social Security Number or Bank Account number... ... .Just to GET MY MONEY!!!! When I asked why? The answer I get it to avoid fraud ... ... I've had my account for over 5 years with no issues of fraud and now I want to close my account and get my money of {$34.00} they want all this information. Pay-Pal said they will not give me my money unless I give my personal information. I refuse to give them my info since I HATE THIS COMPANY and want to close my account!!!! Please help me.
Consumer complaint received 2021-05-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion doesn't use consumer information or documentation in their dispute process. Transunion has a dated system to process disputes that takes weeks longer because they do not fax or accept emails. Transunion 's policies favor creditors at the expense of consumer 's credit reports. The same documentation was accepted by XXXX  and XXXX  but not accepted by Transunion. Transunion claims that the creditor confirms that the reported information is accurate but I have a new letter that states otherwise.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA will not allow me to cancel future automatic transactions. I see the button to cancel on the mobile app but I can not select it. The website does not show any automatic transactions. I called twice early to resolve but no one called me back. I called again and ask to speak to an executive resolution team member. All they did was apologize. 

Additionally, I can still see and edit my wife 's account information even though I was told this wasn't an option.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (WI)

I applied for a XXXX  XXXX ' XXXX XXXX XXXX in XXXX 2021, was approved. The card was sent to me. I used it a few times, spending approximately {$1800.00}, paying off each charge before the due date. It was a card that gave you grocery store rewards for every dollar spent. I have never received the rewards I was entitled to. In XXXX I tried to use my card at a XXXX XXXX XXXX XXXX grocery store, it was declined. I called US Bank, they informed me my account was closed, because they suspected fraud. The person I talked to told me they could not determine WHERE I was getting the money to pay my bill. They couldn't prove my checking account was actually mine. I have had the same checking account at the same bank for over 15 years. US Bank informed me I needed to send them my bank statements to prove it was my account. I called my bank, they informed me NOT to send them bank statements, that they could either have a three-way phone call with US Bank to verify my account, or they could write a letter and confirm my account. I had them write a letter. I took it to a US Bank branch, met with a banker, who faxed my account info. to the " verification dept. '' this was over a month ago. They sent me no further correspondence, no decision, no reply whatsoever. I am extremely unsatisfied with US Bank. The people I have spoken to have been extremely unprofessional, unhelpful and very uninterested in helping me resolve this situation. I have never been forced to send bank statements to a credit card company in my life! I asked the US Bank rep. to ask them why this happened. They think I am using someone else 's bank account to pay my bill!! This makes no sense! They informed me I could have them reopen my account if I sent them the information and they " did an investigation ''. Now if I go on the website where I used to pay my bill, ( the credit card 's website ) my account no longer is even listed, since I owe them no money.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

XXXX is reporting I owe on students loans that are 10 years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is 10 years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in XXXX.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC (OH)

I had a car loan financed by CNAC from XXXX 2015 to XXXX 2015. I traded my car in for a brand new car. When I traded my car in the new dealer called CNAC and got a 20 day pay off. Not even XXXX days later CNAC sent me emails telling me that I was in collections!! I reached out to them to advise them they will be receiving a check within XXXX days from the new car dealer. The representative was rude and continued to tell me that I was liable to pay. I then advised her that I will not make any more payments because they will be getting a check for the balance in full within XXXX days. I also advised her she was not to contact me at all. They failed to follow my request because they continued to call me when I a advised them not to.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Credit inquiries that I didnt apply from Bank of America XXXX This inquiry was did on XX/XX/2022. I havent applied for any new credit
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX is reporting I owe on students loans that are XXXX years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is XXXX years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 2006.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We are behind in our mortgage. Our loan servicer, SPS ( Select Portfolio Servicing , Inc. ) suggested that we APPLY FOR A LOAN MODIFICATION. As a result on XX/XX/2019, we sent them an email with 78 PAGES OF DOCUMENTATION THAT THEY REQUESTED. On the same day we received an emailed acknowledgment that the documents were received. We have not heard anything from SPS since then. I called them today, and was told that our email WAS RECEIVED BUT NEVER OPENED. Again, we were never notified that there were any problems with our application. So, now, another two and a half weeks have passed. SPS told us that our loan was going to their " legal department '' on XX/XX/XXXX. We were under the illusion all of this time that our modification request would forestall further foreclosure actions. Now we are feeling defenseless. The specific individual I have been working with at SPS is XXXX XXXX. She can be reached at XXXX x XXXX. PLEASE HELP.
Consumer complaint received 2023-06-18
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: EQUIFAX, INC. (NY)

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.

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 2022-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I NOTICED IN XXXX OF LAST YEAR THAT CITIZEN BANK WAS TAKING MY FUNDS FROM MY ACCOUNTS BY ACTIVATING CHECKING ACCOUNTS ON THEM. TWO WERE SAVING ACCOUNTS AND ANOTHER ONE WAS ON MY TERMINALLY ILL DAUGHTER SOCIAL SECURITY ACCOUNT WHICH I AM HER GUARDIAN, AND THE ACCOUNT IS IN MY NAME. SHE HAS NEVER BEEN ABLE TO DO ANY THING SUCH AS PAY BILL ALL HER LIFE.THE ALSO PUT {$410.00} ON A CREDIT CARD THAT I ONLY USED FOR XXXX. I TRIED TO SHOW THEM AT THE BANK BECAUSE I SAW IT AS SOON AS THEY DID IT BUT NOBODY WOULD DO A THING TO STOP IT. THEY JUST KEEP ADDING ON TO IT UNTIL IT WAS {$640.00} WHEN I GAVE THEM THE MONEY TO MAKE THEM STOP, BUT THAT DIDNT STOP THEM TWO DAYS LATER THEY SENT ME A BILL FOR {>= $1,000,000}. WHICH {$6600.00} WAS PAST ON THE CREDIT CARD THAT I HAD JUST PAID OFF, WHICH THEY HAD OVER CHARGED ME FOR. THEY LEAVE THREATING CALLS ON MY LAND LINE PHONE AND HAVE MESSED IT UP SO THAT YOU CAN NOT LEAVE A MESSAGE AND THE MESSAGES THEY LEAVE ERASE AFTER ONE PLAY, THEY MESSED UP MY TWO CELL PHONES SO THAT I COULD NOT USE THEM. THE ALSO HACKED MY COMPUTER AND PRINTED UP EVERYTHING IN MY MAIL BOX FOR ME TO UNSUBSCRIBE FROM THEM. I NEVER INVITED THE INTO MY COMPUTER. THEY CAUSE TROUBLE BY CAUSEING ME TO HAVE TO CHANG MY DEBIT CARD THREE TIMES AND CHANGE MY PIN NUMBER SIX TIMES IN LESS THAN TWO MONTHS THEY KEEP TRYING TO SIGN ME UP FOR LOANS OR REFINANCE THE MORGAGE. THEY WILL NOT CLOSE MY ACCOUNTS EVEN THOUGH THEY HAVE ASKED A LOT OF TIMES BY ME AND BY THEIR OWN BANK MANAGERS. I HAVE TOLD THEM I DONT WANT ANYTHING FROM THE, NO STATEMENTS, NO DEALS NO OFFERS JUST TO LEAVE ME ALONE THEY DO WHATEVER THEY WANT. TO DO. I WOULD NOT TRUST THEM FOR A LOAN ON A DOG HOUSE. THEY GET INTO EVERYTHING THEY CAN TO CAUSE TROUBLE.
Consumer complaint received 2019-08-07
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: Experian Information Solutions Inc. (FL)

The following companies ran unauthorized credit inquiry on my credit report. Kindly remove asap as these are suspicious : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX Mortgage Reporters