davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

I purchased the property ( XXXX XXXX XXXX XXXX, PA ) in XX/XX/XXXX from XXXX XXXX XXXX.Made my monthly payments regularly until XX/XX/XXXX when i was behind by two payments due to loss of full time employment in XXXX. 
During this period I requested a loan modification so as to catch up on the delinquency.I 've been denied loan modification for the past 5 years ( see attached documents detailing mortgage payments and letters of denial of loan modification )
Consumer complaint received 2018-05-31
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)

In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, Equifax, XXXX, and XXXX to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

I have been a cardholder with Synchrony Bank and its predecessors since  XXXX . I have been making multiple credit card payments each month to pay off my balance - these payments were made online and the funds were from two verified checking accounts that I have - one account I have had for about 17 years and the other account for about 8 years. In my 35 years of banking, I have never had a credit card payment returned. Before  XXXX , as soon as I made an online payment, the funds were immediately available for use. However, since  XXXX , Synchrony Bank does not make the funds from my payment available - they now hold the payment for 7 days even though nothing has changed with regard to how I make payments. I made a payment on  XX/XX/XXXX  and had to call the Bank in order to get the payment released - the Supervisor I spoke with told me that I could call at any time to get my payment posted to available funds because of the length of time with Synchrony Bank and never having a payment returned. I made another payment today and was told by badge #  XX/XX/XXXX  that the payment would not be available for 7 days. Please help because Synchrony Bank is holding my monies when that is not how it has been for 20 years.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (AZ)

XX/XX/XXXX - XXXX reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with XXXX XXXX XXXX XXXX. <P/>XX/XX/XXXX XXXX reports FICO score dropped XXXX points same day as XXXX 30 day late report hit the bureau. <P/>XX/XX/XXXX XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX Discover XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have. <P/>Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof. <P/>Please help me. I do n't have money to go and hire a credit lawyer or anything like that. <P/>I have statements from XXXX showing that my account is in good standing and that it is paid off but they will not update my report. <P/>How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp (NY)

I called to settle the account out, the collector offered me a settlement around 2700.  He put his manager on the phone who then offered a higher settlement because I was n't willing to pay within the next 3 weeks. I was offering the settlement byXX/XX/XXXX He told me that I was going to be a noted as a refuse to pay. I tried to explain to him that I was willing to pay the XXXX that was offered by XX/XX/XXXX. I then requested a settlement offer in the mail, he then told me no and that the company already sent me mail regarding this. He then told me if I was n't willing to pay inXX/XX/XXXXI 'm a refuse to pay. I told him I 'm willing to settle in XX/XX/XXXXand I would call back.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

EXPERIAN it 's providing incorrect information on my credit report in which does Not belong to me from this, Company   XXXX   XXXX   XXXX   XXXX   claiming two differenced Balances one of {$29.00} and other Balance of {$38.00}.
<P/>
Address :   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , FL  XXXX
Consumer complaint received 2017-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Coastal Credit, LLC (CO)

NEW DOCUMENTS SUBMITTED FROM ATTORNEY FILE.  Coastal Credit,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , CO  XXXX , issued a loan to me for a     XXXX   XXXX   XXXX  . I purchased the   XXXX   XXXX   from   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX , CO  XXXX  ( Exhibit A ). I returned the vehicle prior to  3 business as  the dealership violated the Law of t he State of Colora do. I contacte d Coastal Credit regardi ng the returned vehicle and instructed them to withdrawal thei r EFT payment to     XXXX   XXXX  . The company refused. I hired the law firm of  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  , to defend me regarding the actions of   XXXX   XXXX    employees ( Exhib it B1 and B2 ). In  addition, I contacted State of Colorado  Criminal Investigator,    XXXX   XXXX  , to file a criminal complaint against   XXXX   XXXX  .  Attorneys fo r   XXXX   XXXX   agreed to settle out of court and refund  Coastal Credit  for the cost of the loan. I continued to pay  Coastal Credit ti mely payments until the lawsuit terms indicated I no longer had to a s Coastal Credit wa s made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However,  Coastal Credit refused to honor Colorado law an d victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and  Mago Auto wa s to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to  Coastal Credit, retu rned the vehicle to  Coastal Credit as I was d irected by the court to do and I was not required to make any further payments to  Coastal Credit. Coastal Credit fail ed to file theft charges against   XXXX   XXXX   or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with  XXXX ,  XXXX , and  XXXX  by  Coastal Credit is a fra udulent entry must be removed.
Consumer complaint received 2017-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: First Data Corporation (MA)

I started a lease on   XXXX   XXXX     with  FirstData fo r  XXXX  credit card processing machines. Their agent did not mention to me that the machines were leased for 48 months and the lease was absolutely not cancelable. I tried to cancel the lease with  FirstData after  only a few weeks after signing the lease. The representative told me he will get it done but never was able to do it. The total cost of the lease was about {$4000.00}, for a business that never started. It was very unfair that the representative knew that i only got  XXXX  of their products because it was a new business and i wanted to try them out and i clearly mentioned that i might cancel them if i do n't need them. It seemed the reparative knew my intentions to possibly cancel them within a shorter time period but had not said anything to me. I called many times to  FirstData to resolve this, but the only reply was that it was in the contract. I asked for the contract m any times but never ever have seen the copy that i requested. Please read the fine print, seems like these days salespeople have no ethical obligation. I also contacted the branch  manager  at  XXXX  a number of times since first data was in his branch. It was all talk but nothing got resolved.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (OH)

not authorized on XXXX-2017 ally finani made a un authorized inquire need to be removed i tryed to contacted them on this issue and the will not cooperate with me there no proof this is mine and it needs to be removedif you can not show the documents for this must report to XXXX XXXX and XXXX that it needs to be removed from my files
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (MD)

Mariner finance in  XXXX ,  XXXX  sent me a check for {$1200.00} in  XXXX     2017 even I did not applied for any loan. Any how I used the money. I got sick and admitted to the hospital for two months, and lost my job. My friends told me to consolidate bills as I am not in a situation to pay off my bills.I informed all the institutions about my intention.Every body stopped calling me except Mariner finance, and now they are threatening me to file a law suit against me. I even sent the letter to the branch manager and to the regional manager that I am in contact of debt consolidation but they neglected my letters and shared  my personal information and details of my loan to all of my family members.It hurts me a lit and give me a mental tension.I request to the agency to shut down their office as they are violating the consumer protection act. I have all the witnesses and letters with me I sent them. I also request you to stop them by harassing me through phone calls.
Consumer complaint received 2017-06-08
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. (NY)

Equifax had removed an account   XXXX    XXXX   XXXX  off my credit report. However I just viewed my report on   XXXX   XXXX   and it shows this account again.  XXXX   XXXX   XXXX  had confirmed that this information will be deleted from all  XXXX  credit reporting agencys. It was deleted and as of today it looks as though it has been re-inserted again. I spoke to corporate office at   XXXX   XXXX    XXXX  a few months ago and it was confirmed they would contact all  XXXX  credit reporting agency 's and have this information deleted. Having this put back on my report is affecting my credit score in a negative way. I am submitting this complaint about equifax because they should have never re-inserted this informaiton once they were notified it was to be deleted off my report.
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On  XXXX   XXXX ,    2017, an  online transfer in the amount of {$2900.00} was made from my CHASE checking business account to an account under the email of  XXXX  XXXX  XXXX  and name  XXXX   XXXX , DO NOT RECOGNIZE neither. I learned about this issue on  XXXX   XXXX ,    2017,   when I proceeded to pay my rent and found out about this particular online transfer I never authorized nor knew about.  <P/> I immediately called  CHASE CLAIMS  DEPARTMENT, claim #  XXXX . In addition, I filed a Police Report at the City Of  XXXX  Police Department, Incident #  XXXX . The Bank credited my account for {$2900.00}. On  XXXX   XXXX ,    2017 the y reversed the credit for the {$2900.00} from my account, stating they were not able to corroborate any fraudulent activity. Since then, I have repeatedly been trying to reopen the claim, only resulting in a negative response on behalf of the institution.
Consumer complaint received 2017-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MA)

Navient, for our student loan, calls our home every 30 -45 min utes, beginning at  XXXX  and ending at  XXXX - XXXX  we are behind on our loan. we have called them to set up a payment plan. Even when a payment is made, we still get the calls because we have not caught up.  <P/> I believe the federal trade commission says that numerous calls a day is considered harassment. I have tried to get navient to stop the calls and they refused, denying that they even call that often.  <P/> It is very upsetting to get calls every 30 minutes, every day. and then they deny they are doing that, and refuse to help resolve the issue.
Consumer complaint received 2017-06-08
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. (GA)

I sent a letter to XXXX XXXX disputing that I have never been 30, 60, 90, 120, 150 or 180 days late. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts. If it was to a different address that was not accurate reporting because the address on my credit report should have been the address that they sent their letter to as well, therefore, this account should be deleted off of my credit file.
Consumer complaint received 2017-06-08
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. (LA)

i opened account on  XXXX  and never missed a payment until  XXXX  in  XXXX   XXXX  and since than i never missed a payment but they are not reporting my account positive since  XXXX   XXXX  it is still in the negative status
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have not furnished.
Consumer complaint received 2022-06-09
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

One XX/XX/XXXX, I received a letter from XXXX, XXXXstating that I had an escrow refund check issued in XXXX and it was canceled. I followed the instructions on the letter to fax a form stating to reissue the check. On the letter, it stated requests would be completed within 7-10 business days The form was faxed on XX/XX/XXXX. After sending several emails and leaving voicemails with the contact on the letter to follow up on the request, I did not receive any response. I then resorted to send a secured message through their website which got me the same result, no response. I finally was able to get in touch with someone through their customer service center, " we know it stated 7-10 days but we have received over 60, 000 requests '' and I should be getting a check now in mid XX/XX/XXXX. However they never would verify that the fax was even received. So I am not confident that mid XXXX will even be reached. 

If they knew the amount of requests was XXXX they should have known they would not have been able to meet the turnaround time-frame stated. Also, I am having a hard time believing that many customers did not receive or cash a refund check and am led to believe they never sent those checks thus trying to cover their tracks. This process feels deceptive on several levels.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax has created reports that I never instructed nor consented to being made. They also have not exercised their grave responsibility and were unfair, partial and did not respect my right to privacy.