davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (OH)

I opened an account with Amazon prime for a credit card issued by Synchrony Bank. They added a fee for card security without my permission at a cost of {$2.00} per month. They were counting on my not catching this. When I called the telephone number for customer service I was connected with an off shore call center staffed by English speaking foreign nationals. The rep said he would cancel. 
This is an example of a predatory and dishonest credit card company.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NE)

Here is the story all over again, as I recall it, XX/XX/2014, there were quite a few advertisements regarding business opportunities on t.v. XXXX in particular was of a mother who worked really hard and could not make ends meet with XXXX XXXX assistant she began to make thousands from home. I sent an email as the company provided their email address in the ad. I never received a response from the company that was doing the advertising. A short time period after that I received a call from a guy that claimed to be currently running the facility. He began to interview me stated that he had to verify that I met the criteria to be a part of such a lucrative business opportunity. He advised he had XXXX difference platforms ranging from XXXX to XXXX XXXX dollars. He stated if I purchased the XXXX XXXX dollar package, everything would be done and customized for me, and I was guaranteed to make money, without lifting a finger. Here I am weeks later, and to my knowledge I still do n't have an active account. They mentioned that my account is active, but I never even put anything on it or seen it. They swindled me out of {$3200.00} dollars and several monthly fees of {$110.00} stating that it was essential for the operation of my website. WHAT WEBSITE, I DO N'T HAVE ONE! Which has brought me to this point. My credit card company states they will not refund my money because the merchant responded. In their responses they provided a contract which I admitted to signing and a record log of me attempting to contact them excessively, which only proofs that I was n't receiving the assistance I needed. Regarding XXXX, XXXX and case number XXXX. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. My wife and I have already been through enough calls, emails, irate conversations with the merchant. They should not be signing with the merchant, this is a form of XXXX abuse. I called previously and try to stop these monthly fees and my credit card company failed to assist me. PLEASE HELP US!
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (KY)

Multiple disputes on several incorrect items on my bureaus. Submitted clear and concise documentation proving their errors. After 3 rounds of " updating '' with no changes I am filing a formal complaint against Equifax and XXXX for not complying with the FCRA laws and the legal requests I have asked for stating how they came about their decisions of " non removal '' and " verified as correct '' which is apparently not the case when proof is provided on numerous occasion.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MD)

I just received a recent credit report and it states that the my account is pays account as agreed, paid or paying as agreed, or current account/was delinquent 60 days past due date. My account is current with XXXX and that should make my credit report back to being positive in not negative. Everyone is remarking with the above statements but not showing the same thing on the report. This is not giving me an accurate credit score.
Consumer complaint received 2015-05-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (FL)

My bank statement reflects that on the XX/XX/XXXX a charge was made to my account bringing the total from {$14.00} down to {$2.00} cents. On the XX/XX/XXXX I checked my account to show that that very charge had XXXX overdraft fees. I spoke with customer service in person and they told me they would call after trying to get the transactions refunded. When they called they told me there was nothing they could do, and that the remaining overdraft waiver I had for the year had been added to the charge. After that I spoke with customer service again on the phone and they told me the same thing. I had money in my account and the transaction had gone through and yet they charged me an overdraft fee on it, using my money to instead pay a fee that was posted an entire XXXX hours later on XXXX. I know that this is n't ethical and if it is legal this is unconstitutional. I am adamant about getting this money back and will not hesitate to take legal action. I will talk to whomever it takes for as long as it takes in order for PNC to return the money they charged me.
Consumer complaint received 2016-10-10
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (GA)

I am in the process of purchasing a home, and during the loan approval process have reached out to my prior mortgage company, Seterus Inc., to gather necessary documentation. Specifically I need a payment history for the past 12 months, along with a coy of modification paperwork for the modification done XX/XX/2015. I have spoken with them on 3 separate occasions, and have yet to receive the requested information. My earnest money of {$1000.00} is now at risk and I am also at risk of losing the homebuying opportunity. They refuse to let me speak with a manager after multiple requests s well. Also, every time I call they give various reasons as to why the former request was not processed, stating the prior rep did not process correctly. I now have only 10 days left and am seeking escalated assistance in getting this resolved so that I do n't lose my home buying opportunity and all of the funds invested to date. I am requesting your kind assistance. Thank you!
Consumer complaint received 2015-06-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (MO)

I am being charged almost {$10.00} a month for life insurance credit protection through Best Buy/Citibank credit card. I never signed up for this service. The company will not remove any charges even though I have asked them for proof that I consented. In addition, I 've never been given any sort of paperwork or any details on exactly what this product is. The monthly fee is XXXX of my payment every month. Because of this fee I 've barely paid down my balance, it 's just a continuing cycle.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I opened a Sears account a few years ago to reestablish my credit. I received a letter from them dated XXXX/XXXX/15 informing me that they were not renewing my account after the due date. In the letter it states twice in the letter information from my credit report. It states their decision was based on a credit system that assigned a numerical value to various item on your account and credit report. After providing the details with the credit bureau contact info it states, Please note, other than providing information, the reporting agency played no part in or decision, that is not true. I spoke with XXXX today who informed me that the did a soft inquiry on my account to review my credit. During the month of XXXX 2015 I had a XXXX balance. Sears and Citibank bank were not truthful in providing the reason as to why they were not renewing my card. If the credit bureau info was not a factor why was it on the letter twice? My credit history should not have been a determining factor with my Sears account. My history with Sears ONLY should have only been reviewed.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Cash advance fee — 
Company: U.S. BANCORP (GA)

Bank continues to charged interest on cash advances that have been paid off. 
Internet Payment Thank You {$290.00} Minimum due {$37.00} pd XXXX on CA XXXX now paid back XXXX/XXXX/XXXX Internet Payment Thank You {$280.00} Minimum due {$30.00} pd XXXX on CA. 

XXXX/XXXX/XXXX Internet Payment Thank You {$150.00} Minimum due {$36.00} pd back XXXX CA XXXX on CC balance These 3 payments were to cover my cash advance. All were well above my minimum payment due and extra should have been applied. The first CA was XXXX and paid back within 3 weeks.
Consumer complaint received 2017-05-31
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PNC Bank N.A. (MI)

I stopped making payments on my private student loans because no one could give me the original contracts for the loans that showed the interest rates being charged. Various debt collectors sent letters over the years seeking varying amounts. One week before the six-year statute of limitations expired in my state,  XXXX  brought a lawsuit in state circuit court. The contract attached to the complaint said that a different state 's law governed the enforcement of the contract. That state has a four-year statute of limitations. The issue of whether  XXXX  filed a lawsuit after the expiration of the statute of limitations is currently pending before my state 's Supreme Court on interlocutory appeal. Another part of the interlocutory appeal is whether the mistakes on the summons result in a lack of personal jurisdiction.    XXXX  did not sue in its legal name, which is " The  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  '' It admitted that it did not own the loans that it sued upon. It also later admitted that it did not have the original contracts that it sued upon, which are necessary under the " best evidence rule '' at trial.  XXXX  claims to be a loan servicer and that    XXXX    other corporations own the loans. My credit report showed that a completely different corporation owned at least   XXXX   of the loans sued upon.  XXXX  did not include all   XXXX   loan account numbers in the complaint and refused to add the true owners of the loans as " necessary parties '' to the case.   In my state, a loan servicer that collects loans it does not own is operating as a " collection agency. '' A collection agency must be licensed in my state, and  XXXX  was not at the time of the lawsuit. In my state, a collection agency is not allowed to bring a lawsuit on behalf of a creditor or any other entity. I have alerted my state attorney general and the department of licensing. I am writing this to help anyone who has been sued by this corporation. State and federal consumer protection laws  may  help you file a counterclaim.
Consumer complaint received 2015-06-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (OR)

I am filing a complaint against my student loan creditor ( XXXX XXXX ) and my student loan servicer ( ACS ) because they : 1 ) increased the interest rate of my loan by an amount greater than permitted by the loan terms ; 2 ) sent me XXXX student loan repayment schedules that contain incorrect information ; and, 3 ) increased the interest rate on my student loans prematurely in violation of the loan terms.
Consumer complaint received 2020-06-21
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: SYNCHRONY FINANCIAL (DC)

I have filed a dispute in regards to the erroneously reported items/incorrect items that should not be on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2016-05-05
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Quality Lenders Inc (SD)

I sent this company a request for debt validation in XXXX 2015. No information was ever received so I then submitted a complaint with you Case number : XXXX in XXXX 2015. The company responded and claimed they never received my request in XX/XX/XXXX and said they would send me a copy of the judgment but do n't have my address. I did not ask for a copy of the judgment, also never did receive one. I asked for them to prove the debt was mine. I then disputed their response with you and then never heard anything back, nor received any information what so ever since XX/XX/2015
Consumer complaint received 2016-08-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Core Recoveries, LLC (CA)

I have been contacted by Core Recoveries, LLC, which claims that I owe {$70000.00}. They will not state what this debt is for, and I have routinely indicated that I do not owe any student loans. Without debt verification or validation, I can not get them to correct their records. The date of the letter is XXXX XXXX, 2016. Since utilizing the CFPB complaint process, I have had a non-existent loan transferred to XXXX different collection agencies, none of which want to produce actual documents. This process is not working at all and has damaged my credit in an unimaginable way ; now I have credit entries from XXXX collection agencies, and my " student loan '' entries have ballooned to more than XXXX. My credit report is XXXX pages long. The more I work to correct these erroneous and fraudulent listings, the more the situation expands exponentially. I do not owe on, nor did I ever take out any student loans. I do n't know how much more simple this can be, but for some reason, the more I state it and write in about it, the more collection agencies become a part of my life. Their letter threatens 15 % wage garnishment, " without having to bring action in Federal Court. '' No matter how many times it is stated that this is illegal, these debt collection agencies do not cease these practices. I live in the state of California, so I know that they are also violating the XXXX Fair Debt Collection Practices Act. Nevertheless, nothing is being done to stop these agencies.
Consumer complaint received 2020-08-19
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: EQUIFAX, INC. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (AL)

XXXX I was opened the new account named XXXX XXXX  until linked into the account they quickly closed my previous account for no reason. I was extremely innocent and have no idea whats going on, I didnt have done fraudulent. I decided to open new account from online, unable to the new account : Wells Fargo and XXXX. yesterday XX/XX/XXXX I went to enter the branch Wells Fargo, I decided to open the new account until banker told me " unfortunately, I am unable to open the account itself system inform him ''. I was leaving the branch and contact them through customer service. they felt like I am the bad business with them. I was very innocence and don't do anything wrong I feel like they accused me of something with account like they suspected about frauldent activity I am not doing that. they kept accused me of something. I have right against them, they must to paid me {$900.00} XXXX.
Consumer complaint received 2022-12-15
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed account get corrected. 
XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXX XXXX  Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MS)

I had a collection account that has been constantly reported by multiple agencies and removed each time I have submitted a dispute, as it is incorrect. The information was recently reinserted under XXXX , XXXX . When I noticed, I disputed the issue, but Equifax has left it on my credit report. 

Most recently it was reported by XXXX XXXX XXXX out of XXXX, MS , and was very quickly removed when I disputed it on the report. Now, like I said, it is showing up under XXXX, from whom I did not receive notification nor had an opportunity to ask for verification. However, the previous companies could not verify the information when I requested it, so I am simply looking to have this erroneous information removed.
Consumer complaint received 2021-05-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (VA)

Today, XX/XX/2021, I chatted online with a customer service rep with AES ( Department of American Education Services ) about my private student loan from XXXX. I did not graduate because of coronavirus and I want to go back to school and finish my degree. I can not afford the payments for repayment. I only make about an average of {$500.00} a week and the payment for the loans is about $ XXXX and I already have $ XXXX/month in rent and I also have other loans. The only options I were given were where I can temporarily decrease the payment by about {$100.00} and then in about 12 months I'd have higher payments, or I can increase the interest and do something else. I can not afford the payments at all. I can not afford to live or accrue a life savings. My only options for loan forgiveness are to be diagnosed with a XXXX, which I might actually have but would rather not live with the stigma ; or I can die.
Consumer complaint received 2017-01-13
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc. (CO)

The medical debt Global Receivables Solutions, Inc. is trying to collect from me is from XX/XX/XXXX and XX/XX/XXXX. At that time I was married and the grantor was my ex-husband. I was under the impression that this debt was paid in full. Global Receivables Solutions, Inc, first contacted me via letter XX/XX/XXXX. I requested proof of debt and received proof XX/XX/XXXX. 

I agreed to pay {$30.00} monthly XX/XX/XXXX to put a stop to the harassing phone calls. The first payment was made on XX/XX/XXXX. 

According to our filed divorce agreement, my ex-husband is responsible for all debt accumulated during our marriage. 

Since the divorce has been filed with the courts and the courts acknowledge that my ex-husband is responsible for this debt, Global Receivables Solutions, Inc. needs to cease the harassing and inaccurate demand letters. 

Global Receivables Solutions, Inc. 's collections practices are illegal. They do not have the right to make up false agreements or reports and then report false agreements and negative reports with credit agencies just because they purchased the debt from XXXX XXXX Hospital. 

Global Receivables Solutions, Inc. has been sending letters stating that a payment was setup in the amount of {$500.00} due by XX/XX/XXXX. This is false. A payment plan in the amount of {$30.00} monthly was established. I have contacted them and they stated that they would correct the issue. Today I received a notice stating I owed them {$1600.00} due to the fact that they did not receive agreed payment. Another false letter. 

I have been treated badly by several representatives from this agency, ranging in severity from rude to downright hateful. Both their poor treatment of people who try to cooperate with them and their unethical collections practices led me to filing this report.