davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
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 ordered a bed from Ashley Furniture and it was left damaged at our house. I tried contacting them to tell them what happened. 
Om XX/XX/XXXX i was promised a call back in 48 hours- it still has not happened. I called back on XX/XX/XXXX and spoke with XXXX she said she would send replacement parts for the rails. 
The bed is unusable due to missing pieces. They sent screws that don't fit the bed, but nothing else. 
They will not removed the charge either. 
We can not attach the rails to the foot board or the head board.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

FOR SEVERAL SEVERAL MONTHS NOW I HAVE BEEN TRYING TO GET THIS ISSUED RESOLVED BUT HAVE BEEN GETTING THE RUNAROUND EVERYWHERE I GO. THIS NEEDS TO BE RESOLVED IMMEDIATELY AND THIS IS MY LAST ATTEMPT BEFORE PURSUING LEGAL ACTION. I HAVE NEVER BEEN LATE ON ANY OF MY FEDERAL STUDEN LOANS. I CONSOLIDATED ALL OF MY LOANS ON XX/XX/2018 ( ATTACHED IS PROOF FROM MY CURRENT SERVICER ; XXXX XXXX XXXX. THE FEDERAL STUDENT LOANS THAT I CONSOLIDATED ACCRUED SEVERAL LATE PAYMENTS AND DEROGATORY REMARKS. HOW CAN THIS BE IF THEY WERE CONSOLIDATED AND THE BALANCES WERE REDUCED TO ZERO? I HAVE CALLED THE US DEPT OF ED, XXXX OR XX/XX/XXXXXXXX, PERKINS LOANS, AND THEY HAVE NOT FIXED THE ISSUE. IT IS THE CREDIT BUREAUS OBLIGATION TO REPORT ACCURATE INFORMATION. THIS IS NOT ACCURATE.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am very disappointed that despite my persistent efforts to dispute and rectify these issues, it appears that the inaccuracies persist, particularly the account named XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX ), being removed and re-added multiple times, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I don't know what else you need from me to prove that this account has been charged under my name without credible proof of validation. I didn't even sign any contract agreement with this collection department. I have had no physical contact with them and was not aware of their presence until their names appeared on my credit report. 

I want to bring your attention to the following derogatory items : XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid off, yet discrepancies exist in the reported dates of the Last Active and Last Payment. Inconsistencies like these raise questions about the accuracy of your reports. Life circumstances, such as a family member 's critical condition, can impact payments, and I urge you to consider the human aspect in these situations. Despite previous removals, the account keeps resurfacing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account and have never entered into any contractual agreements with the collection department. Its multiple removals suggest a lack of validation and verification, yet it persists on my credit report. 

XXXX. XXXX - Account # : XXXX This account displays discrepancies in reported dates and amounts, similar to other accounts. 

XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # : XXXX The " last active date '' is inaccurately reported, further highlighting the inconsistency in the information provided. 

XXXX. XXXX - Account # : XXXX This has shown faulty reporting due to some mistakes in a two-payment history. They have reported it Charged off in XXXX and fully paid in XXXX, and still they continuously furnish such accounts despite its obvious error in their reports. 

The following collection accounts has failed to provide the following documents I need : 1. An Official Contract Agreement : I have not seen even one signature on the billing statement that they have provided. No sworn agreements and contracts were included ; they only provided me with a plain billing statement. How can that be considered valid proof if there is no signature on it? 

2. Proof of Licensing : Where are their furnished documents that demonstrate their status as a licensed debt collector with the legal rights to collect debts, both within and outside my state area? THERE's NONE! 

3. Transaction History and Payment Records : How can they substantiate that this billing statement is mine if the address written on it is incorrect?
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/2020 i received a notification from XXXX that several of my accounts had been closed. Apparently every Synchrony backed credit card that i had was closed by this company. I contacted them and they stated that I had too many accounts with them and that is why they closed all of them. There was a total of 12 accounts of which some had balances and some did not, none of them was ever paid late or default, as a matter of fact all my credit cards, loans, mortgages etc are all paid on time 100 %. I understand that per the terms and conditions of the agreement with this company that they can close any account at anytime for any reason. However given that a person has never been late or abused the credit available to simply close all of someones accounts negatively effects their credit score by messing with the utilization rate across the spectrum of their credit file. If the company was concerned about the ongoing pandemic issues and job loss and their risk, then this company could have simply just put a freeze on the accounts not allowing anymore to be charged. This process would not have effected the credit score and the ability for the consumer to maintain an active living with good credit. This is simply poor and selfish business on the part of Synchrony..
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (OH)

Trying to activate card. The information is not correct somewhere and the card is " locked '' now so I can't activate it. When you call the number you just have to wait to go to customer service ( which I XXXX  this hack to get to customer service ). Asked her to help me and she tried to put me to automated service. When I said pleasd don't transfer me she hung up. Next lady didn't even let me say card was locked before she transferred me. This was after waiting 15 minutes each time to just talk to someone. They talk over you and are not interested at all in helping.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX XXXX is trying to collect an old debit that I had settled with the original company. They have used phone calls repeatedly to try and get the money that I do n't owe to them. Please help me solve this problem. Thanks!
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

The statements for XX/XX/XXXX have not yet been posted online for customers to view. When I called the company today, they stated the statements have not yet been created. A letter from their compliance department last month stated all statements are to be posted on the XX/XX/XXXX of the month.
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX account that appears on my credit report.. This account is inaccurate, old/time expired. 


I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX account that appears on my credit report.. This account is inaccurate, old/time expired. 

I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX  account that appears on my credit report.. This account is inaccurate, old/time expired.
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (IN)

Santander. via Chrysler Capitol. I bought a XXXX for XXXX. I put a cash down payment of XXXX. I was told by XXXX who found me the loan, that the minimum loan amount was XXXX. The XXXX dollar loan cost XXXX plus an additional early pay off fee.Santander charged me 14.73 % without me having employment. Chrysler Capitol would not disclose the extra fee I incurred by paying the loan off early. Chrylsler Capitol customer service told me to go re read all payments and add it up. That I had to pay the full amount of interest no matter how quick I paid back my loan. I was not informed of these terms.I did not get any compensation from the Santander lawsuit for sub prime lending practices or preditory lending.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have credit card account at Kohls.
I made online purchase of XXXX  on XX/XX/XXXX and never received any bill or payment reminder for this balance.top of that, I am struggling to schedule auto pay for this account from last couple of years. every time when I call for auto pay assistance, they say it 's under payment option when you go online. I ca n't find any auto pay option. find attached file for all payment option.
In addition, they charged {$15.00} late fee in XX/XX/XXXX and reported my account to credit bureau. They should have at least inform me before reporting to credit bureau. Moreover, they charge {$37.00} again in XX/XX/XXXX as late fee.
so basically my balance is as of now around {$81.00} with all fees where my original purchase amount is only {$26.00}. Associate was very rude while talking and when I ask about the reminder they said you are responsible for the balance and we did contacted you in other form. I do not have any other contact channel.
Consumer complaint received 2020-05-06
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. (AL)

In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, Equifax and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

Apparently, someone opened an account with XXXX in my name. I did not, and neither XXXX nor the collection agency will show me any verification of the debt. When XXXX sent a bill, I disputed it, noting I have never ordered anything from XXXX in my life, and I have never sought credit. Further, I do not have nor have I ever owned a vacuum of the type allegedly owned. XXXX stated that it noted the fraud report, and never followed up. It then turned the account over to a collection group, to whom I again reported the fraud. I asked for documentation of the order and debt, and they refuse to provide it, placing the onus on me to disprove a debt by providing personally identifying information, even though they can provide no proof I opened the account. Their repeated contacts with no effort to investigate the debt, constitutes harassment. They expect me to file a police report, but fail to provide the date of order or other information that would result in the police report. 

The actions of Resurgent Capital Services are improper, and they fail to take basic steps to verify that I owe the money they claim. The first call was on XX/XX/XXXX, and they have yet to provide me any factual information about the claim, other than the debt.
Consumer complaint received 2020-06-02
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: GOLDMAN SACHS BANK USA (AZ)

In XX/XX/2020 I was flying alone ( I'm a single mom ) with my XXXX children. During a layover in an airport, I realized I had inadvertently checked my wallet in my luggage. I had no access to money because all of my credit cards and cash were in my wallet ( checked in my luggage ). 

My children hadn't eaten and wouldn't be able to eat for many hours until we got to our final destination and I retrieved my checked luggage. As a last resort, I applied for an apple card administered through Goldman Sachs so I could use Apple Pay at a restaurant to feed my children. 

The application took no longer than 5 minutes. I never consented to online paperless statement delivery and they never verified my email address. I promptly forgot that I even opened this card and since it was not a part of my financial picture, I never thought to go looking for a statement. 

They arbitrarily ( without my consent or approval ) sent the statement to the email address associated with my XXXX XXXX. I never check this email because the only use is for XXXX XXXX login functionality. They ONLY sent statements and past due notices to this email address. They never mailed me a statement. By the time they contacted me by phone, the account was already 36 days past due at which time I paid it immediately on XX/XX/XXXX ( 6 days past the 30 day mark ). At this time, I explained that I never got any statements and asked the clerk to whom I gave payment to please not report negatively to my credit. She stated that she didn't think it would negatively impact my credit since it was only 6 days. 

Yet Goldman Sachs reported a {$14.00} past due payment to XXXX, severely compromising my otherwise perfect credit score. 

I opened a dispute with XXXX  - at the completion of which Goldman Sachs informed me that the past due was reported correctly.

I was not disputing that it was reported incorrectly but that it was reported UNFAIRLY. And that under the circumstances of me not receiving the statements or having any say in how they were delivered, they should consider the whole picture and remove the negative reporting. 

I then wrote a letter to Goldman Sachs and explained the situation again, in writing and asked them to remove the reporting. They wrote back saying that the report was issued correctly. 

I then had an attorney write a letter. To which they responded that the report was issued correctly. 

This is the first negative I've had on my credit in more than a decade. I am now having difficulty getting a mortgage because of a 6 day past 30 days late payment of {$14.00} and I have been able to get Goldman Sachs to pay attention to the circumstances. 

This is the epitome of UNFAIR credit reporting.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Company Bank of America froze my checking account Saturday XX/XX/XXXX without my permission. They are holding my unemployment deposits and have Frozen my account with no further information available. I have no access to my funds no access to my account and no access to any of my available information via the Internet. 
I need help getting my account unfrozen an getting my funds back ..they have no legal authorization to hold state unemployment funds rightfully belong to a citizen .i called unemployment an thy are aware of the problem. Please be advised ive had no resolution an no response from Bank of America. They have my unemployment funds frozen an can not legally hold state an government funds of a united States citizen. 
Need resolution ASAP
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Credit Service, Inc. (CT)

My ex-husband texted me because a company called his wife regarding me. They stated I committed check fraud and her name was associated with my account and gave her date of birth and stated if they knew information about me to have her attorney contact them. I have a copy of the message. I called the company and they stated I committed fraud because I set up a payment arrangement within the last 60-90 days with a company called XXXX for a debt and it did not go through my bank account. I asked what the debt was and they told me once I made my first payment they would send the information. If I did not call them back by XXXX EST they would proceed with legal action. I have never received any information of a debt and the company XXXX is unknown. They never told me any more information. I asked them to stop contacting people and contact me directly and I want information on this debt. I had to end the conversation and they state if I do not contact them by XXXX today they will seek legal action.
Consumer complaint received 2017-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I paid Navient ( remaining total balance of over {$32000.00} ) to close out my account of a {$160000.00} mix of mainly private loans all from XXXX XXXX/ Navient ( 2005. ) I called with articulated problem ( closing account via payment in full, also requesting a transcript of the conversation - having money mis allocated before ... I just want verification that I 'm done. I look at my account - it says I owe over {$270.00} still, yet loans all read XXXX. It also does not give me the option to even pay the false amount I owe.
I only seek freedom from this oppressive bullying, I have never been able to accomplish IBR or foreberence ( paid for, not fully awarded to me.. ) Which is in previous complaint after great amounts of overlap and false bullying and threats to credit and collection from my grandmother - co signer.
Please help me close this thing and have record that I 'm free? Thank you for all of your time. - XXXX XXXX
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

PNC bank is back to their old antics of purposely ordering transactions to post in a manner that consumers have to pay multiple overdraft fees a month. I was paid a prior settlement from them for the exact same practice in XX/XX/2014.  They advertise their online banking as easy to use. but do not post transactions in a manner that makes their customers have any idea what their balance is. I have enough money to cover any deduction as I have 2 accounts but I will not be forced to enroll in overdraft protection as that means a hacker can empty all of my accounts. I had this happen to the same account last year.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Due to the security breach that Equifax had, and the THREE MONTHS before they notified the world ( during which time Equifax executives took the opportunity to sell their stock ) I and two family members are unable to : -Unable to contact Equifax by phone or website -Unable to request a free annual credit report to check my status -Unable to take a request to freeze my credit report.
I think their behavior has been criminal and they have exposed me and my family to worry, stress and their resources are too limited to let me do my part to address their negligence. 

XXXX XXXX XXXX
Consumer complaint received 2020-05-06
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. (AL)

In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau TransUnion, XXXX and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (OH)

This company is calling me every day for my sister-in-laws debt. They have been told we do not speak, and my cell phone they are calling is for XXXX emergencies as I am a XXXX. I do not know how they got this number, and it is effecting my practice. 

Most recent phone calls were : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, voicemails on XXXX at XXXX XXXX etc.