davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
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. (TX)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2018-02-17
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: PENTAGON FEDERAL CREDIT UNION (NC)

XX/XX/XXXX at XXXX ; XXXX XXXX called Pentagon Federal Credit Union to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, XXXX, and XXXX. I was notified by the representative that this account can not be paid to PenFed because they no longer own the account. I asked when was the account sold and was told back in XX/XX/XXXX. My next question was should this account then be reporting a XXXX balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, PenFed is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XX/XX/XXXX after it was charged off. After concluding the called XXXX and spoke to XXXX to initiate a dispute regarding this PenFed account. I stated that PenFed should be reporting a XXXX balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX XXXX. Lastly, I initiated a dispute with XXXX at XXXX XXXX with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the Pentagon Federal Bankcard was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a XXXX balance and sold or transferred to another lender it was. At XXXX XXXX I contacted Pentagon Federal Credit Union again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that PenFed can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that PenFederal Credit Union provided an inaccurate verification of the debt to the three major credit reporting agencies.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

I originally had a Sears card that I used to purchase a refrigerator in XX/XX/XXXX. In the summer of XX/XX/XXXX, I received a notice that my Sears account had been converted to a Shop Your Way card. I called Shop Your Way ( affiliated with CitiBank ) because I did not want the account and had not asked for it. I requested it be closed. I was sent to their retention department. The retention representative informed me I should not close the account because my purchase ( even though it was not on this card ) was covered by an extended warranty for 2 years from date of purchase. I agreed to retain the account. This month I began having trouble with the refrigerator. I called 5 different toll free numbers and was transferred each time to someone who could help me find out about my supposed " extended warranty ''. After an hour, I insisted the next representative answer my question. The representative informed me that I had no extended warranty. I asked for a supervisor. The supervisor was apologetic about the incident. I indicated that this appeared to be a deliberate act to deceive me so I would keep the card. She indicated that the representative was 'likely counseled '. I indicated that deceiving clients into keeping these cards with promises of benefits that are not there is an unacceptable practice. She agreed but gave no indication that any action was being taken.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have sale date XXXX / XXXX / XXXX Attorneys for SLS told SLS to not to assist me SLS has not stoped the sale date Refuse to assist me Customer care was horrible I have 3 witness that how uneducated un willing she was What ever we asked her she said I dont know and this person works at SLS customer care department The amount of complaint law suites are All on internet I have a XXXX  husband with serious health issues stress is death for him Also a military SLS is coursing his death You think I will seat quiet and allow you to take my home??????? 

Cfpb every body knowns that SLS is not a good servicer They are known for fraudulent foreclosure Miss handling payments Charging harsh fees Rude terrible mean uneducated customer service All of theirs attempts is to take peoples home When loan get transfer to SLS Customer automatically Missing payment Late Hearty late fees good luck to reverse the fees Then delinquent Lastly foreclosure This is their formality They have no intention to assist customer in any way There is no way any one could be qualify SLS had a law suites in XXXX for not approve and toy around the customer And put home owners in deep stress And attorney Cost I never asked for this loan Thus loan was gotten to me by fraud XXXX XXXX broker Owned by XXXX XXXX who should be in jail He was expelled and revoked his license mortgage company was closed do to fraud loans he was getting for people His wife was working XXXX XXXX XXXX and both were ripping off the bank and getting frauds mortgages The owner my fraud mortgage shouldnt buy these garbage mortgages from XXXX XXXX That was the reason XXXX went out of business and we had to deal with XXXX fraud mortgages and real state fall out My loan is exactly this Then XXXX XXXX bought all of these bad loan then sold it to SLS And that was when all of my problem started SLS was nothing but a XXXX for me and my family I was middle of getting loans with another reputable bank when SLS foreclousre Stoped my loan process Now my son who is in XXXX XXXX coming back home this XXXX when he finish his service I havent told him thats our home in in foreclosures yet I paid SLS over {$70000.00} Keep your home California was making payment Hefty fees Lien fee Attorney fees SLS is not a bank nor connected to any financial institution They are just a entity to accept payment they took these loans because of amount of money they made not care an inch about how their money making is XXXX home owners They dont comply with state government They dont want to assist home owners in time of covid hardship loosing job being sick cause they dont want to deal with all that Thats the reason for foreclosure they want to get the money fast thats all it comes down to Now you see I didnt get this loan or asked for it And as much as I want to get away from SLS But do to how things happened and fall on me I am stock to SLS like a glue
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (GA)

**update** I am aware I have already written one complaint, but felt compelled to follow up. I am in DESPERATE need of the {$3900.00} that I have requested refund for. Times are hard.. Inflation is the highest it has been in decades.. I just graduated college and started a job.. I am seeking a place to live.. All the while, I have {$3900.00} that I have applied for and been accepted to receive as a refund. I worked hard to pay this money in XXXX, XXXX ( I have receipts ) but my life has changed.. My finances have changed.. But the money is still in limbo.. I was told on XX/XX/2022 that my refund would arrive in 60-90 days, but any time I call, I get a vague answer and my account balance is NOT updated to reflect my refund.. I desperately need the money and I am pleading for someone to please help expediate the process.. Times are hard.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

The nature of the wrong doing is that today, XXXX, is the THIRD time I walk up to a PNC ATM, make a deposit of {$280.00} or {$300.00} ; and the balance that I previously had is missing. PNC is STILL alleging it was removed for " bank fee ; '' But that is a complete LIE! Someone is STEALING my {$1.00} etc. Today it was XXXX dollars STOLEN, and they want to say " MONTHLY FEE. '' I opened my account XXXX of XXXX off of XXXX XXXX XXXX, XXXX XXXX, FL. I was informed there are NO Monthly fees if you deposit at least {$500.00}. If you deposit LESS than that amount, there is a {$5.00} monthly fees. Look at my attachments, do you see {$5.00}? NO! You see made up figures. From XXXX of XXXX through XXXX of XXXX, I never got a fee. Then out of a sudden, I was still making the correct amount of deposits, and PNC was billing me {$5.00}. I filed a complaint. Now I get billed bogus figures. All I know is that PNC NEEDS TO close ALL the other accounts with my name and STOP stealing from me! It's either {$5.00} or nothing. Please let me know why my {$2.00}, from today, was removed from my account between XXXX XXXX and XXXX XXXX   EST, vs first thing this morning when transaction fees were deducted from all the other PNC Customers? Fees do not get deducted in the middle of the day. I called myself today around XXXX XXXX, I had a {$2.00} balance ; Made a deposit of {$280.00} and the {$2.00} were missing ; Called it in, and they chose to label it, MONTHLY FEES. NONSENSE! It's a lie. Look at the ledger and have PNC pay me back for all the FALSE monthly fees. Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Management Inc. (OK)

This was a surprise Bill and I had insurance. I am XXXX unemployed and was not given opportunity to provide financial assistance to you before it is sent to collections as required by Texas law. I have no idea what these services were but I dont believe they submitted the claim to insurance and if they did I believe they are balance billing in violation of Texas law and their contract with my insurer. I have never received a bill or been offered financial assistance. I am XXXX on food stamps and living in a residential facility. They should have notified me about this a long time ago and given me information about what I was being charged for what was covered by insurance and why I wasnt eligible for financial assistance
Consumer complaint received 2021-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently spoke to a member at Capital One XXXXemployee id XXXX, who was great to me honesty, he said he would happily remove the listed inquiries from my report and they will be off my report within 24 hours, ,1st inquiry -date XX/XX/ Apllication number-XXXX,, Inquiry number 2- date XXXXapplication number-XXXX for unauthorized and incorrect inquires that NEED TO BE REMOVED INSTABwere not approved by me or made by me .Agent told me he would remove thinquiries with no problem and it would refelct by the calender day, but this, is now month two AND THE NEGATIVE ACCOINTS REMAINS ON MY REPORT EVEVEN AFTER THE CONFIRMATION THAT I PREVIOUSLY REACHED OUT TO CREDITOR.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I can not access my Experian account. One day when attempting to log in I was prompted that my username and/or password was incorrect.

I selected the forgot username option and was Sent my username to the email address that I used to create the account. I then attempted to reset my password with the username sent from experian and it is saying that the username is not attached to any account, yet it is the username I only know and that they emailed me.

I sent an email no response, I called and only automated answers that can not help My situation.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

I paid a monthly XXXX bill before moving to XXXX, and upon relocating got a bill reminder. Reached out but no success. Got a notice from debt collector, submitted proof of payment, they dropped the debt collection. Now, 1 year+ later, another debt collector, IC Systems inc sent a notice. I called, transfered around, would not give me a fax # or email, so then i went on their website to submit dispute, Did not here anything until now in their letter said i told them not to contact them, not true, then I got XX/XX/2022 a negative report on my credit 3 bureaus, scores down more than 60 points. I called ic system, and again no cooperation. They even told me they saw my payment, but insist i still owe, when their breakdown shows XXXX as part of the detail of what i owe. 
Actually XXXX owes me. I am submitting all documents of detail and proof of payment. 
I want this removed from my credit reports, and case closed now, 1 1/2 years later.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (OH)

The CRA 'Experian ' has failed to follow the FCRA guidelines in regards to reporting. The following account below is the account in question : XXXX  - 8 potentially negative months Closed Account info Account name Account number Original creditor Company sold Account type Date opened Account status Payment status Status updated XXXX XXXX - - Credit Card XX/XX/XXXX Closed Legally paid in full for less than the full balance Under section 609, you have the right to request : 1. All of the information in your consumer credit files.

2. The source of that information.

3. Each person that has accessed your credit report within the past two years ( unless it was to complete an investigation ). 
4. Businesses that have made soft inquiries within the past year.

Violation 1 : None of the following was provided to me upon multiple request to Experian.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

Violation 2 : regarding the payment history being reported. Take a look ar year XXXX where XXXX - XXXX was reported as 30, 60, 90, 120, 120, 120, 120 with XXXX, XXXX, and half of XXXX having no reporting at all. How is this accurate? How can an account go from 120 days past due, no reporting for two years and all of a sudden reports as charge off? This is completely inaccurate. 

Please review the following complaint accurately.
Consumer complaint received 2021-09-08
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 (FL)

On XXXX i filed a complaint with Banana Republics CC regarding being charged for a few orders that were not delivered and state and state on their website that the orders were not delivered and retuned back to sender. This has been going on for months and to date they have credited one of the orders, but still owe me a credit for {$98.00}. 

The order shipped via XXXX on clearly state on the website that it was returned to the Sender.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (UT)

I leased the vehicle from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. By XXXX I had not received anything in the mail about the lease so I called Honda finance. They said they had no record of me leasing a vehicle & referred me to the dealership. I went in & the dealership apologized stating it can take at least 30 days for them to process the paperwork. They redid my lease to waive part of the fee on a care package for my I convince & had me make my 2nd payment there that day to assure me it wouldnt be late. Now I finally get a letter from Honda finance & they are stating I am past due & have charged me a fee for late payment. I called Honda on XX/XX/XXXX & they said they never received the payment from the dealership & there is nothing they can do & referred me back to the dealership. I am now back at the dealership today on XXXX which is the first chance I could take off from work. It is still unresolved.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (ME)

Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011.

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported.

We are now past the 7 year period and XXXX XXXX XXXX continues to report the negative item on our credit reports.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011.

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported.

We are now past the 7 year period and XXXX XXXX XXXX   continues to report the negative item on our credit reports.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (MI)

I have multiple inquiries that are fraudulent and I never applied with these companies I want them removed from all public consumer reports. 
I have tried multiple times and this credit reporting agency will not remove them.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (MN)

In 2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a XXXX and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.