davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (DE)

I XXXX XXXX entered a consumer credit transaction with Synchrony bank on XX/XX/XXXX and XXXX, XXXX XXXX. I never gave Synchrony bank permission to send me a bill, for several month they have sent bills to my home. In this bill were FDCPA and truth and lending violation in. Pursue to federal law 15 USC 1692b ( 2 ) not state that such consumer owes a debt. Pursue to 15 USC 1605 the finance charge is the sum of all charges and does not include charges if a type payable in a comparable in cash transaction, which Synchrony bank has billed and accepted cash in a consumer credit transaction. Pursue to 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails, when which Synchrony logo was on the bill that was sent to my home. These violation have happened under two accounts under the Synchrony Bank.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (CA)

I keep trying to pay my bill online but PayPal refused to help me fix my account issue I try to pay using my checking account that I have always used for the last 10 years but since COVID started Im not able to make any payments unless I call which is incredibly frustrating and is illegal. I will make my accounts current if they allow me to pay online not call it in wasting loads of my time. I have waited 2 hours just to make a payment because they cant fix the issue and keep passing the bucket this making it hard for me to make my payments on time I have a XXXX XXXXXXXX and this is causing lot of stress. Please see that this is fixed Im truly having a hard time its been going on for a year now please help
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Me and wife are joint account holders on Discover credit since XXXX with my wife XXXX XXXX being primary card holder. We had signed up for automatic full payment from our bank account. We were supposed to get new credit card in XXXX/XX/XX/XXXX which we never received. In XXXX we received huge number of fraudulent charges from out of state amount to more than XXXX. We called customer service, reported we never received card and reported the fraud charges. Please note we typically do not charge more than $ XXXX {$2000.00} on this card per month. To our amazement, discover still pulled about XXXX from our bank account on XX/XX/XXXX. When I called again, I found out they had not flagged all the transactions that I reported earlier as fraudulent. I requested the statements to be mailed so that can again pin point what transactions are still fraudulent. Upon receving the statement I called again and very specifically pointed what were fraud and what are legitimate. After about a month I called again to request refund of the overpayment that was showing as negative balance ( little over XXXX ). I was told request has been made and since amount is more than XXXX it will require couple of weeks for approvals. More than 2 weeks passed so I called customer service again today on XX/XX/XXXX. Customer service forwarded to fraud prevention who then forwarded me to investigation department. I spoke to lady named XXXX who said since matter is still under investigation, they can't issue refund. I told her I had reported those as unauthorised charges before the statement was generated and that they should have never pulled from my bank account to begin with because accordign to our card holder agreement we do not have to pay disputed charges till investigation is complete. They already violated the agreement by pulling the money and now they are delaying the refund. When I said that XXXX said I am not the primary card holder and that she will need to speak to my wife. So I called my wife at work and conferenced her in. Then she said she can't trust because she did not initiate the call. I then told her then to call her directly. She agreed however according to my wife she never called her again. This is not only poor customer service but violation of card holder agreement and unauthorized debit from my bank account. I thought of calling again and speaking to a supervisor. Upon explaining the whole situation, supervisor still said the same thing that they can ; t refund till investigation is complete. Clearly she did not understand the issue here. DISCOVER should have never pulled payment from my account when fraud was reported, now I have been out of money for nearly 4-5 months on fraudulent charges that credit card issuer is supposed to protect us. This matter needs to be investigated because it clearly does not seem to be right.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

PNC Bank on more than one occasion has charged me overdraft fees when my account has NOT gone into negative. On XX/XX/19 there was a check that cleared through my account that left an ending balance of {$26.00}. No overdraft occurred but they charged me a {$36.00} overdraft fee anyway dated XX/XX/19 but didn't show the fee on the account until XX/XX/19. I promptly called their customer service and was told by the representative XXXX that I spoke to that the fee could not be reversed. 
Something REALLY needs to be done about this as I am sick and tired of them XXXX people over unfairly and charging fees for overdrafts that haven't happened!
Consumer complaint received 2019-03-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I am beyond disappointed and frustrated that somewhere/somehow Sallie Mae ( now Navient ) managed to move my federal direct loans to the, " private side '' of their operation. I worked with Sallie Mae in XX/XX/XXXX/XX/XX/XXXX to set up a payment plan for my XXXX and XXXX student loans ( all Federal Direct and Stafford Loans ). As a new graduate entering the job market, I was counseled to consolidate my payment and take a " level '' repayment plan. I distinctly recall that the person I spoke with on the phone telling me that the " consolidation '' was just to allow me to make one payment. I was also locked in at 6 % for the life of the loan - and was told that Sallie Mae would not sell or transfer the loan. 
Fast forward to the present, I have been working for a qualified non-profit organization for the past 15 years, and qualify for the Federal Student Loan Forgiveness Program ; however, Navient has decided that my loans are now private. It was never made clear that any loan offered by Sallie Mae or Navient was not on behalf of the US Department of Education. I would never have " consolidated '' my loan payment had I been made aware of forfeiting the benefits that could be offered down the road from the federal government. I applied for the FSLFP about 2 years ago, and was denied because Navient is claiming the loans are ineligible. This is predatory lending. I find it appalling that while I borrowed $ XXXX - after 14 years of paying $ XXXX/month, I still owe $ XXXX. By the time I have finished payments - I will have paid $ XXXX. Navient will have made {$41000.00} plus dollars to process my monthly payments. 
Will there be any additional changes to the FSLFP that may help people like me?
Consumer complaint received 2022-08-13
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. (SC)

Ive disputed with all three credit bureaus on my XXXX XXXX credit card ( XXXX four digits of account number ) countless times as this account had fraudulent charges and the creditor agreed to delete the late payment remark as I had no idea any balance was due on the account as its never been used. Creditor completed their investigation and corrected my account on their end, removing the late payment fees and reversing the charges made by the fraud. The creditor stated they would comply with the Bureaus once I submit my disputes however, after several ( 5 or more with each bureau ) its apparent that theyre not accurately nor fairly investigating my legal rights. Creditor is happy to correct payment rating and remove the late payment remark once theyre contacted by XXXX XXXX Equifax XXXX XXXX XXXX
Consumer complaint received 2015-06-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

XXXX had started a life insurance policy. The account XXXX short. the bank decided to charge overdraft charges and then hit the account with maintenance fee and another overdraft fee. I was told by XXXX, because she receive XXXX the bank should never have charged her the second fee. XXXX never asked for overdraft because she just had problems with XXXX XXXX XXXX. I know that the bank took it upon themselves to do this and why dint they take the money out of saving account.
Consumer complaint received 2019-03-18
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. (AZ)

The following accounts are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX XXXX, {$360.00} and XXXX XXXX. The following accounts are lost/stolen and have fraudulent charges listed on the accounts : XXXX XXXX XXXX XXXX Visa credit card account : XXXX, XXXX XXXX  Visa credit card account : XXXX.
Consumer complaint received 2021-04-06
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: U.S. BANCORP (MD)

They didnt address the issues of my previous complaint. You cant raise an APR and blame it on the credit bureau. My credit score is over XXXX!! Also, Elan should remove the link to check credit or make it active. I dont need a copy of my report, I need them to stop scamming consumers. This has to be addressed. My next stop is the news. Elan Fiancial is a fraud!!
Consumer complaint received 2021-12-08
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. (DE)

XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Consumer complaint received 2022-09-22
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. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX is reporting as of XX/XX/2022 that I have a delinquent account. I spoke with XXXX XXXX, VP of their bank and we agreed on a settlement amount of {$4000.00}. I paid this settlement amount with a cashiers check dated XX/XX/2022. I asked them to update my credit file once in XX/XX/2022 because they incorrectly reported it causing my credit score to plummet. Now, they have again inaccurately reported that I am delinquent and owe {$2600.00}. My credit score again has plummeted with this derogatory information. I am requesting that they remove this immediately and a note on my credit file saying that this debt is settled in XX/XX/2022. Thank you for your prompt response.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (IL)

Called numerous times credit report agencies and the Barclay credit card company account ending XXXX, make disputes. 
On XX/XX/XXXX XXXX  answer to my dispute that MISSED PAYMENTS WERE REMOVED FROM YOUR BARCLAY ACCOUNT. 
After a while this Barclay is reporting my account being XXXX used and i delinquency. 
Made again a dispute today with Equifax and their fraud department told me to make a complaint with CFPB. 
Also, I called credit card Barclay today XX/XX/XXXX told them they PROMISE ME MY NEGATIVE INFORMATION WILL BE DELETED ( CALLED ESCALATION DEPARTMENT ON XX/XX/XXXX IN XXXX after I waited more than XXXX hours to speak with a supervisor ) but, have to give them few days because my account was transferred to a third party company and is in PENDING STATUS AND SHE CAN'T DO ANYTHING WHILE IS PENDING.. 
THEY TOLD ME TO SEND THEM A LETTER ALSO because they have their own dispute department. 


The third party company name is XXXX XXXX. 
XXXX XXXX didn't reported any negative information to my credit report. 

ACTUALLY BARCLAY CREDIT CARD FRAUDULENTLY TRANSMITTED EVERY MONTH THIS NEGATIVE INFORMATION AFTER PROMISING ME THEY WILL DELETED more than year ago .... 

Sincerely XXXX XXXX
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AZ)

Hi, LexisNexis is showing on my XXXX report the following Items that I have previously contacted them about in XX/XX/XXXX. Today on XX/XX/XXXX I ran a quote with XXXX XXXX XXXX and they are using this information against me to increase my insurance quote. These Items don't belong to me and I returned a highlighted copy of my report with my social security card and all related information. I got a confirmation from LexisNexis but this information is still being reported. This is impacting me financially on a daily basis as I have to pay higher out of pocket costs to be insured. 

Accident on XX/XX/XXXX Listed on XXXX XXXX XXXX  over {$1000.00} on XX/XX/XXXX Listed on XXXX XXXX XXXX   {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX   XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX
Consumer complaint received 2019-03-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/XXXX Discharged XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX Discharge How can dismissals be verified
Consumer complaint received 2022-09-22
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. (OH)

just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2019-03-14
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. (MD)

In XX/XX/XXXX, I closed XXXX account XXXX  when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX  kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. XXXX, XXXX, and Equifax refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with XXXX, XXXX, and Equifax are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XX/XX/XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XX/XX/XXXX. Also attached is the current XXXX statement showing that XXXX   waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX   refunded my account in XX/XX/XXXX and then charged back in XX/XX/XXXX showing how dangerous leaving this account open is to consumers. XXXX, XXXX, and Equifax dispute results are additionally attached.
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HJ Ventures, LLC (AZ)

In my youth I made some poor decisions and found myself XXXX in the Arizona XXXX XXXX I am embarrassed of this and it is difficult for me to actually need to use that XXXX as proof I did not obtain the debt I am accused of owing. The debt was obtained at XXXX XXXX I don't know if it was a loan or credit card. In XXXX, a judgment was made against me. I was never served any documents and had no idea I was being pursued for this debt and to this day, it has not appeared on my credit report which tells me they didn't have my correct SS number. In XXXX, the judgement was renewed. My wages were garnished out of my final paycheck with my previous employer. At that time, I contacted an attorney. I paid him to present the facts and proof I could not have obtained the debt while I was incarcerated. It is my belief my brother and sister-in-law used my info and obtained this debt. They have {$80000.00} in judgements and collections against them. I have no negative credit and pay all my debts on time. XXXX XXXX was my attorney and filed with the court a motion to dismiss due to the fact I was never served. The judge denied the motion and accepted the service statement that they served my father with whom I was not living with. I was never served, my father signed an affidavit swearing under oath he was never served either. The attorney said he couldn't file anything else which I could not understand. XXXX XXXX spoke to the attorney at XXXX XXXX XXXX and provided the proof I could not obtain the debt and was told, " Too bad, we have a judgement, he has to pay it ''. I filed a request with the court to allow me to show the proof and dismiss this judgement and was denied. I was not going to pay a debt that has been so over inflated as well and was not my debt. Originally it was for {$2000.00}, and now they are garnishing my wages for {$10000.00}. I am employed with XXXX XXXX  XXXX and as of XX/XX/XXXX, they are garnishing over {$600.00} a month from my check and charging 24 % interest on a debt I never obtained. I have asked XXXX XXXX XXXX for all the original loan documentation, application and signatures and was told it has been destroyed by the original creditor and they don't have any of it. They refuse to give it to me. How do they obtain judgments without proof of the initial debt. I don't know where to turn from here. I have done everything in my power since I was released in XXXX to live on the straight and narrow. I have distanced myself from family and friends who were negative figures in my life. I haven't had so much as a speeding ticket. Please help me.