davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

I have kept calling numerous times to replace my credit card because it never arrived since opening an account with you, for mattress firm. I have dealt with nothing but incompetent staff and rude customer service every single f** time and today I finally lost it when your rep yelled, interrupted, and berated me for repeating to her MY ENTIRE ADDRESS once more, stating I saaaaaaaid the unit numberrrrrrr, not the whole address!!! whaaaaaaaaat is your uniiiiiiiiiit numberrrrrrr. Prior to this, she had confirmed it to me incorrectly and didnt even get the correct street number, let alone, the unit number so I KINDLY let her know that I would just be giving her my entire address ONCE MORE and she decides to XXXX   interrupt me and act like shes Gods  greatest gift and is doing ME a favor. I have had it with your customer support. I wish I could fix all these issues myself, online, but unfortunately my card never even arrived for me to even activate or view my online account and billing statements. Because of this, I have been missing paper statements as well and this is all getting reported to the credit bureaus through NO fault of my own. I have called at least four times, since opening this account to update my address since I did move ( & made you all aware ). I even called once last month and the rep stated that she would be moving my billing cycle/deadline to the following month and sending me out a replacement card, to an address that I confirmed THREE times. I asked her if I could make an early payment, in that case ( for the following billing cycle ) just to be on the safe and she took a {$100.00} payment. My card never arrived and I called two weeks ago, again, only to be told that it is still on the way ( rep didnt verify address or provide me with my billing statement information or anything ). To make matters worse, I am now finding out that this bill was due about a week ago, which I thought was what the {$100.00} were for. I now have no way to pay this besides dealing with these rude ppl and I now have late payments reflecting on my credit report. To make matters worse, my personal information is out there being compromised to random people. During this last call the rep literally said ohh that not what we have at all. 

This isnt charity work. I am giving you my hard earned money in interest and entrusting you, as a financial institution, with my personal information, only for it to be dealt with by XXXX. Please fix this. Please fix your staff.
Consumer complaint received 2022-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (NJ)

Sallie Mae calls the XXXX cosigner more than 10x per day. The calls begin at XXXX XXXX  and continue every 30 minutes- 1 hour. They are harassing the cosigner. 

STOP CONTACTING COSIGNER!!!
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I have a debt collection reporting on my credit for a credit card that I already previously disputed. The account was originally removed due to inaccuracies on y credit reports. This item was a result of an identity theft and now this account has reappeared on my credit as bad debt. This account does not belong to me.
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (VA)

Several attempts were made by Discover Card to reach my roommate by telephone -- which I feel is beyond unethical and unacceptable. I am trying to catch-up on bills and feel that they should not reach out to random people -- like your roommate. 

The Executive Office acknowledged on XX/XX/2020 that the company did indeed make these calls. Can you please make sure other parties aren't enduring the same unethical behavior and make contact with the company? 

Thank you for your time and all you do!
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MA)

attempted to make a payment through the app and was locked out due to ridiculous security measures. Attempted to pay online and was also locked out of account. Had to call several times to be able to make my payment and now they have reported a late payment on my account. I have had the account in good standing for over five years with never missing a payment and when contacting company, was told they could not help me. I have never received a credit increase offer from this institution and their lack of understanding in the middle of this covid crisis is abysmal. I am irate with the business and ask that they remove the only missed payment from my credit report over over 300 on time payments. I have since payed off my balance on this account and am strongly encouraged by these actions to close the account and never use this institution again.
Consumer complaint received 2020-11-18
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. (TX)

The Name of the company causing me stress is Equifax. I notice on my credit report " date account opened '' " date of last activity '' and " payment status '' were all conflicting, misleading, and wrong. I requested the consumer credit application with my signature and they failed to provide it. I disputed the accuracy of those accounts and they continued to report its inaccuracies which are causing me financial injury.
Consumer complaint received 2023-02-16
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-07
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: RC Willey (FL)

The creditors XXXX XXXX XXXX XXXX XXXX and RC WILLEY FURNISHINGS keep reporting accounts to my credit report that I have already paid off and are all XXXX  out. Please delete these accounts off my credit report and cease all reporting activities
Consumer complaint received 2020-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ME)

I have two consolidated loans with Navient. In XX/XX/2020, my payments will increase. In anticipation of this, I have made multiple requests, both online and over the phone, to allocate my payments so that I can pay down the smaller of my two loans. I got a bonus in XXXX and made a {$2600.00} payment on the smaller loans. And yet, Navient 's system keeps distributing my loans contrary to my wishes, no matter how many times I request or what hoops I jump through, I keep getting the runaround. I find this practice unfair, deceptive, and potentially abusive.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc. (CA)

My account had {$4600.00} when the account was closed without notice. I was notified by email that I would receive a check after 10 days. After 90 days I still have not received the funds. The account was actively used, had enough funds, never reported fraud, or suspicious behavior.
Consumer complaint received 2020-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (MA)

I called XXXX XXXX XXXX XXXX. In XXXX ma.We were doing a ac upgrade and some electrical upgrades. The Financial institution that this company uses is greensky.The loan amount was in the range of XXXX, some were in that ball park. The loan was going to be in my name and my husband as well. My credit score is in the fair category, XXXX, XXXX, somewhere in that range. My husbands is XXXX. We were going to put down XXXX which is half of the loan amount and finance the rest With this we got denied. I understand that my credit report has issues, but my husband does not, they advertise that a credit score of as was told to me XXXX, the website says XXXX, I may have not qualified but I dont understand what the problem was with my husband. No reason was given.
Consumer complaint received 2020-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (KS)

I called on XX/XX/XXXX, prior to my loan payment and discussed that I have been affected by a recent COVID outbreak in our area which has reduced my income. They agreed to reduce my payments to XXXX for 4 payments. On XX/XX/XXXX, my acct was debited for XXXX. I then called again and spoke with the company on XX/XX/XXXX and was then told they did not know why the agreement was cancelled by the original person I spoke with. They agreed to an arrangement of XXXX for four consecutive payments and informed that they would not try to re-process the previous payment. On XX/XX/XXXX, they presented a withdrawal from my my bank for XXXX and XXXX. Which created an over draft on my account costing me an additional XXXX in fees. I have again reached out to them and my call gets placed on hold for greater than 35 minutes and then the call is disconnected. This is the worst experience I have ever had. I have never been late on a payment to them. I called ahead of my payment being due both times and was assured over the phone that they would start the financial hardship payments, which the blatantly lied after a verbal agreement was reached. I want they " recorded '' conversations to be reviewed.
Consumer complaint received 2021-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (CA)

CFPB has a lawsuit against XXXX XXXX XXXX XXXX XXXX. I believe I am a victim of fraud from this company. The supposed student loan is being serviced by XXXX XXXX XXXX. To date I have paid $ XXXX on this loan where the original amount was {$13000.00}. I contest the loan and finally stopped making payments. 

I have asked numerous times who is the owner of this supposed debt and get the runaround from the company. They claimed it came from XXXX XXXX and when I called XXXX XXXX they claimed there was no account under my name. I believe this is a fraudulent loan. I reported that to the company and they did nothing. I stopped making payments and now they are reporting negative things to the credit bureau. I asked them to settle this debt for {$1000.00} and they have ignored my requests. I have sent them demand letters and they have ignored those requests. I am almost certain I am one of the countless victims of fraud that stemmed from CFPB putting a lawsuit against XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

XXXX/Loancare. They bought our loan. We paid timely. For a year we had no problems, then we get a bill saying our loan was behind two payments. It is not true. I sent proof of payment from my bank XX/XX/XXXX. Got email saying I paid to the wrong loan no. Why was it not a problem before? Now they can not seem to handle transfering the payments to the proper account, even though theyve been doing this for over a year!. Lost 120 points on credit score! Called at least 6 times plus about 6 emails. They are so incompetent they can not even give us a provisional credit! This is affecting our health. They continually make deadlines and then break them.
Consumer complaint received 2020-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (FL)

I have to pay $ XXXX  monthly for my car to westlake portfolio management. I have never missed a payment. I pay every XXXX of each month. I have received today XX/XX/XXXX westlake portfolio management phone call trying to collect current month money. I was exposing to the operator about the current situation because to my hours has been reduced and I would need more time to process payment. I did ask for 2 months. Operator XXXX XXXX told me they can't do that. I did ask for help about the situation and the operator said " they can't help '' " you have to figure out '' and immediately he started to questioning me about " have you received the stimulus package? ". Which I said " yes '' " I did buy food and paid XXXX monthly bill ''. 
This company does not have any intention to help due to the current pandemic circunstances.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Information regarding a XXXX XXXX credit card was placed on my report. I was no notified and the information just appeared on my report causing my credit to be affected in a negative way. This information is not mines and is misleading others to deny me of credit.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I received Chase Debit Card in the mail. But I do not have a current Chase Bank account. This account was established fraudulently. I did not consent nor authorized this account to be established.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3300.00}, {$240.00}, {$890.00}, {$510.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 

4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

5. XX/XX/XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.
Consumer complaint received 2020-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Strada Education Network, Inc. (MD)

I received an email from Student Connections that once again has what I believe is false and misleading information on XX/XX/2020 despite previously asking them to correct this information and to be removed from their contact list in a prior CFPB complaint in relation to another email with the same incorrect information. My previous CFPB complaint, which remains unanswered by Student Connections is complaint number XXXX. The issue is that the correspondence address provided in both the new email as well as the older email referenced in complaint XXXX is for XXXX XXXX XXXX XXXX XXXX, instead of XXXX. As my actual loan servicer is XXXX XXXX, Student Connections should be providing contact information for either XXXX or XXXX XXXX and not XXXX XXXX XXXX XXXX XXXX. This incorrect information, if being provided to others, could jeopardize other Americans ' payment status to XXXX XXXX due to an inability for them to receive correspondence. Private companies like Student Connections should not be able to obtain my loan history and send me inaccurate information via email.
Consumer complaint received 2020-09-01
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. (KY)

I noticed a hard credit enquiry from XXXX XXXX. This enquiry occurred on XX/XX/2020. I called XXXX XXXX to find out who made the enquiry ; they have no record of the hard inquiry.
Consumer complaint received 2020-09-01
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. (AZ)

XXXX continues to somehow reappear on my credit report showing that I owe them money after these accounts have been closed. These private student loans were opened 12 to 20 years ago, yet somehow XXXX manages to continue to hit my credit report. Just today when I checked my credit, they say I owe them over {$200000.00} in private student loans that are 12 to 20 years old. This dropped my score by over 40 points. I continue to dispute this with the credit bureaus and it gets removed, then months to even a year later, XXXX reappears again.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX  XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.