davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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. (MO)

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2021 I contacted XXXX  on XX/XX/2021 and attempted to a purchase a product call credit monitoring service. I spoke to the representative and explained to him that I wanted to purchase the product for {$19.00}. The representative requested my banking information. I provided my JP Morgan Banking information. He stated it did not go through. He then placed me on hold. He returned and attempted to charged my card again. He stated again that it did not go through. The call disconnected. I call back and spoke with a different representative. He also attempted to charge my card for {$19.00}. it did not go through. I then checked my account and saw that XXXX  had placed 22 pending holds on my card for one failed purchase for {$19.00}. My problem is Chase Bank never attempted to warn me that the merchant was placing multiple hold charges on my account in such a short period of time. On XX/XX/2021 I am requesting that JP Morgan Chase Bank Immediately upon receipt of this complaint release back into my available balance the 22 pending unauthorized holds totaling {$430.00}. I have bills that, that money was budgeted to pay. I have tried several times to reason with the banking representatives at Chase bank. I had no idea that the Merchant was placing 22 pending holds on my account for one authorized charge or purchase for {$19.00}. Chase bank never alerted or warned me of the additional multiple pending charges. I am requesting that Chase Bank Temporarily release all 22 pending holds back into my account while they investigate this claim, so i can get on with my life. This is financially hurting my life and my needs for providing my family.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (LA)

I called synchrony bank Walmart credit card before my payment was due to advise them I would be late they told me they will waive the late fee and that nothing would change as far as my minimum payment due well not only did they charge me a late fee they also upped my minimum payment and they keep doing it every month I refuse to pay since they gave me the information that nothing would change
Consumer complaint received 2017-05-22
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. (DC)

Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores . One of th ose factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in  2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect my credit score.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Bankruptcy — 
Company: SYNCHRONY FINANCIAL (CA)

I filed for bankruptcy ( Ch. XXXX ) on XXXX XXXX, 2015. I listed Synchrony Bank Master Card as a debtor. The bank did not appear at any Trustee meetings. The bankruptcy was discharged in XXXX, 2015. Despite my filing for bankruptcy, I have continued to receive statements, the account has continued to accrue interest and other fees for nonpayment. I have informed Synchrony Bank on XXXX separate occasions that I should not be receiving statements or interest and fees charges, but they continue to send their invoices. Today, I called again, and although the debt has been discharged in bankruptcy court, the bank refuses to acknowledge the discharge, and I have no doubt I will continue to receive bills from them.
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

paid all the arrearage amounts on my loans and little to nothing was removed from the principal balance. it appears that they have been automatically recapitalizing late payments to the principal balance. whenever I make payments nothing ever comes off the principal balance of my loans. I recently paid almost {$4000.00} of payments and less than {$100.00} came off the principal amount. The loans were being amortized down faster before I consolidated them with myfedloan.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NC)

After acquirring XXXX XXXX XXXX XXXX on XXXX of this year Synchrony Finacial has called and harrassing as many as 6 times a day. Even after we have given them the information that XXXX XXXX XXXX told us to tell them they continue to call multiple times a day.
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

My Complaint is with Walmart credit card services. On XXXX XXXX, 2016 I was notified that my previous payment on or around the date of XXXX XXXX, 2016 was not processed and did not go through. On XXXX XXXX, 2016 I made another payment and was then assessed a late fee because of the last payment not going through. 

My payment on the XXXX of XXXX was made online while I was in training due to my job in the XXXX XXXX. I did not have sufficient service to ensure it went through. My complaint does not lie here as this was my fault regardless of the situation. 

My account was then frozen some time after the XXXX of XXXX and my account marked delinquent due to one missed payment. I have missed a payment before with banks such as XXXX and I simply paid my bill and penalties and all was good to go. Walmart credit card services froze my account and then raised my minimum payment from {$25.00} to {$84.00}. The {$84.00} payment was due on the XXXX of XXXX, 2016. I paid at XXXX XXXX Central Time on the XXXX of XXXX. Despite this and my payment stating it was processed online on the XXXX of XXXX. My account was tacked on with another late fee of {$35.00} dollars. I was told by a manger named XXXX in the Customer Service dept that despite when you make a payment, Walmart Automatically initiates a pre late fee, which is taken off the account once the next billing cycle is over. 

This type of banking practices has led to my account being taken hold for over {$160.00} dollars until the next billing cycle goes over. I was also told numerous times that the credit card dept. could not take the hold off my account and it was done easily today once transfered to the US serivce dept. 

I 'm also aware of my SCRA benefits as a service member and have had no issues with other banks when enacting my rights. With XXXX, I simply told them I was in the XXXX and that day my rights were enacted, my money refunded, and my interests rates lowered. With XXXX XXXX, I simply had to wait a week. With Walmart, they want a copy of my XXXX XXXX orders in the mail which I feel is not a proper way to send XXXX documentation. Still, I will send my XXXX but I do n't understand why XXXX companies did not require them and the one that decides to give me 6 hours of headache is the one that requires them. 

Payment Confirmation on XXXX/XXXX/16 of XXXX # XXXX
Consumer complaint received 2016-11-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

XXXX colleges committed fraud and I should not have to pay back these loans because even though I received a degree I have not been able to get a job even though the college promised they would help me get a job and they lied about people getting hired!!!!! I 'm sick of making payments to these fraudsters please HELP ME!!!!!!!!!!!
Consumer complaint received 2015-08-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NV)

I had a student loan with XXXX XXXX that was purchased by Navient. I was late with a payment. I spoke with a representative to pay of the loan, and in the interim another representative started calling friends asking how to get a hold of me to make a payment. This was embarrassing and frustrating, especially when I had paid the loan in full. This is unacceptable business practices.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I attended a college named XXXX XXXX XXXX in XXXX, but that school got closed. There 's no information and no transcripts. It 's like I never attended. However, they worked with XXXX XXXX, which later became Navient. The school took the money, but then disappeared. XXXX XXXX XXXX became XXXX. Apparently that school also closed. It is now XXXX College. It seems that the school keeps disappearing after taking money from a private loan. I 'm now told by Navient that I owe them thousands, but I feel the school should be the one paying Navient since they closed and disappeared. Yet I feel that Navient and that school worked together to take away from the people. They expect me to pay, which I do n't feel I should do because I feel that Navient and the school worked together to scam.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (NY)

GAP employees were giving false credit check information in order to convince customers to open store credit cards. My credit score is affected negatively and I have no way of reversing the credit inquiry. 

I had a Banana Republic credit card I opened years ago while in college. Recently when I was making a purchase at Gap on XXXX/XXXX/15, a sales rep ( cashier # XXXX, store # XXXX ) looked up my account using my social security number. She informed me I could use that old account WITHOUT having a credit check. I doubled checked with her XXXX times to make sure there would not be a credit check. Nine days later on XXXX/XXXX/15, I received a brand new Gap card in the mail that stated I have been a customer since only 2015. I called the Gap credit card number and found out to my surprise that my credit did get pulled for a brand new Gap card! In fact, I would never have agreed to have my credit pulled for a new credit card under any circumstance as we are in the process of buying a new home. I tried speaking with a customer service supervisor and was told the wait would be hours to get one on the phone. I said I would wait and was told by the representative XXXX that her supervisors " came over XXXX '' to inform her I have to call back in the morning to ask to speak with a supervisor. She said the best she could do was close my account, without promise of any reversal in my credit pull and the negative effect on my credit rating.
Consumer complaint received 2016-03-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD (VA)

I had opened a jewlery accout with XXXX in XXXX XXXX XXXX for the purchase price of XXXX, my wife was making the payments and the balance in XXXX XXXX reflected XXXX i called XXXX in XXXX virginia and they sent me a account history that had a begining balance of XXXX and my contract is clear. XXXX, we have over paid on the account and they wo n't talk to us or make restitution to the over payment and are still charging us interest. with a balance of over XXXX this is inaccurate and there are no stores left to speak to any live person and the office in XXXX wo n't talk or return calls/ emails. I have the original contract to prove my claims.
Consumer complaint received 2017-03-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (UT)

I have requested the verification of the stated accounts from all XXXX ot the credit report reporting agencies. I have indicated the reason for removal is that the account being reported is not mine and I did not authorize or participate in the account being created or receive any benefit from the account in question. 

The credit reporting agencies have requested verification of the debt and the creditor continues to report the debt as mine.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

-On XX/XX/XXXX I phoned in my {$97.00} monthly payment for account XXXX. 
-I had previously submitted a request for ACH automatic payments from my bank account. 
-Representative informed me on XX/XX/XXXX that she sees it processing in the system and it should be operation and take care of my next payment. 
-As advised by bank representative in XXXX, I expected XXXX 's payment to be drafted automatically from my bank account. 
-The XX/XX/XXXX payment was n't mayde and I recieved no notifications or collections phone calls from lender about payment being late or my ACH request having been rejected the bery next day after I called ( XX/XX/XXXX ) and lender does not invest in text messaging, or online access to allow me to see the status of my account. 
-On XX/XX/XXXX I received notification from XXXX smartphone app that I have been reported as being 30 days by Synchrony Bank XXXX 
-Synchrony Bank manager says that I have to live with it because I did not send a voided check along with my ACH request and that they sent a letter regarding it, but there was no call or letters, especially since I am not always at home because of military service and again Synchrony Bank does not invest on texting or a website. 
-I request that this negative entry be removed by lender because I followed what the bank representative adviced as to my next payment ( XX/XX/XXXX ) being made automatically as a result of my pending ACH auto payment request being fully processed by then, despite of disclosures about several billing cycles being necessary ; because the representative represents the lender, I followed her advice and I had no communication whatsoever from lender about my payment being late or ACH request not being accepted.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (OH)

I have been discriminated against and treated unfairly by Barclaycard Delaware. Recently, I was notified that my credit limit was reduced by {$600.00} because I was " nearing my limit ''. I was at least {$900.00} away from my credit limit at the time it was reduced. When my card was declined today while making a purchase, I called customer service to find out what was happening. I was told a letter had been sent in the mail the day prior ( yesterday ) explaining why my credit line was reduced, which as stated, was because I was nearing my limit. Why am I given a limit if I ca n't get near it other than to potentially charge a fee or harm the consumer? The customer service manager also told me that it depends on my " overall credit health. '' However, my credit health, according to their XXXX reporting system is XXXX -- which happens to be over XXXX points higher than my husband 's who was just given a credit limit increase. This is not the first time I have seen my husband 's credit limit increase while mine has stayed the same or, like this time, been reduced. Our credit reports are virtually the same -- he has a higher debt to income ratio because of our mortgage, which is why I believe his score is typically lower than mine, yet he has consistently received credit limit increases ( without request ). This has been a consistent issue with Barclaycard Delaware since opening our accounts, which occurred within a few months of each other. I can find no other reason for this other than discrimination in their portfolio management. I have never been late, I have never gone over my credit limit, and my account has remained active and in good standing through my entire history with the company. Now, because my limit was reduce, a purchase of mine will put me over my newly reduced credit limit, which I believe will harm my credit score and overall portfolio history with the company, should I decide to keep my account open.
Consumer complaint received 2016-03-01
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: RSH & Associates, LLC (KS)

I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are XXXX like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KY)

My private loan through sallie mae now navient went into default in XX/XX/XXXX. I was charged 16 percent interest initially in XX/XX/XXXX when my credit was at a very positive status. I had to get a loan to cover the existing balance that my federal loans did not cover. 
I was told in XX/XX/XXXX by an 3rd party agent that if I didnt make a large sum payment that there would be legal action taken immediately at that point made a XXXX dollar payment. I was continually making payments to my loan the best I can til I lost my job. They offered me a 0 percent repayment option and I was unable to come up with a large sum of money that the agency requested. Then recently through another agency they offered me 0 percent repayment without a down payment. why wasnt this offered to me in XX/XX/XXXX? 
Navient will not give me any concessions and I asked repeatedly for documentation since my loan originated. It took months to years and no one would get that info til recently. Ive paid thousands and thousands in this loan and still accruing interest. I was told by many attorneys that this loan is a scam. When I request info they tell me to refer to the agency because theres not anything they ( navient ) can do. When I talk to the agent, they tell me to refer to Navient. Its old! 
Can you please help me? I want to come to a positive solution on this. And also would like to consider a civil lawsuit if possible. And understand that Navient has many legal action lawsuits against them currently.