davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I had a medical emergency and fell behind on payments to my Capital One card. On XX/XX/XXXX I called Capital One and entered into a payment plan with them to get the account back on track. The agent told me that she would set up three automatic payments at a lower rate, then I would make payments as normal. The first two automatic payments were made XXXX, and XXXX. The third payment was made XXXX. This resulted in Capital One charging me a late payment fee of {$38.00}. I accepted the payment plan offered by Capital One. I expected one payment would be scheduled each billing cycle. I did not request a payment plan that would result in late payment fees. I called Capital One about this on XXXX when I discovered the fee. Capital One acknowledged that their customer service agent scheduled the late payment as part of my payment plan, but refused to refund the fee.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OR)

XX/XX/2021, at approximately XXXX Am I called Chase bank to discuss a charge reversal for an online purchase. The XXXX phone operator instructed me that I needed to speak with XXXX to pursue the dispute. I then googled the XXXX customer service number and called the number that come up in the search ( XXXX - XXXX - XXXX ). I was instructed by the person that represented themself as the XXXX customer service representative that for them to help me with my refund that I would need to follow instructions such as downloading and application onto my computer so they could help with my charge reversal. 

I followed instructions as I was under the impression that I was speaking with XXXX. They told me that my computer screen would need to be turned off remotely during the refund. I was then held up on the phone waiting for upwards to 1 and 1 1/2 hours as the XXXX '' impostor instructed me that this was a necessary part of the refund process, telling me that their server was being slow, etc. Making various excuses to make me wait longer. Eventually I became frustrated and asked the person to stop helping me and let me go from the phone call. I realized that I could turn my computer screen back on by brightening the screen and I witness unauthorized activity happening in my online bank account. I ended the call and saw that my Chase bank account was missing {$4900.00} worth of funds had been wired transferred from my account without my authorization or consent. I immediately called Chase to freeze my account and file a claim. I made an appointment the next day to close my account and open a new one. Chase then sent me a claim denial letter stating We are denying your claim because during our review we found that you did not take the appropriate steps to protect your account from theft or unauthorized use. We will not reimburse your account. I visited a Chase branch and requested that my claim be reopened and filed a Police report with the XXXX Police Bureau. Chase then denied my claim a second time without allowing me to submit my police report.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank (FL)

I was applying for a mortgage to purchase a property and found out that Synovus had improperly reported my payment history. My credit score went from XXXX to XXXX because of this. I am now unable to purchase property. In addition Synovus charged me {$1500.00} in late fees.

I called Synovus and requested that they correct the issues above. They determined ( letter attached ) that there was an error in reporting. ( Letter attached ) I have requested a letter to specifically state that there were no late payments and the request has been ignored. I also requested a refund of the late charges and that was ignored as well.

I have attached a copy of the credit report error as well as the mortgage statement showing the late charges.

Not only was I unable to purchase the property but interest rates have gone up and will cause significant increase in my monthly payments Synovus just ignores me hoping that the problem will go away if they ignore me long enough. I am hoping others will learn from this and stay away from Synovus at any cost.
Consumer complaint received 2022-01-14
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. (TN)

Navient continues to say that my XXXX loans are not federally related and are continuing to say that I am behind in payments, when indeed these loan types are in a non repayment, no interest accruing status, per the Presidential order related to COVID 19 pandemic. XXXX loans ARE FEDERAL LOANS ... ..Navient is reporting late payments and is claiming that I must begin payments again in XXXX, when according to the Cares Act, they are on pause until May. I have tried NUMEROUS times to work this out with NAvient, asked them to fix my credit report and to stop collection activity to which they refuse. 
They have just lost a court case for bad practice, so I feel that they are just not a legit servicer. 
Please hep to correct this issue.
Consumer complaint received 2022-01-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Mortgage company lied about me having home insurance, took escrow payments from me and made it seem like I had home insurance while I had none for months. Now I am being penalized for not having insurance for 30 days as I am trying to refinance. The new company that is doing the refinance informed me that I dont have insurance.
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX & XXXX credit, global lending Please if someone can assist me with this i've been trying for months with no response
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-14
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I've recently checked my consumer report and I notice that this company placed an unauthorize inquiry on my consumer report. I suspect that my identity may have been stolen and that a possible crime has been committed by your corporation. There are no open accounts tied to this account on my consumer report, nor did I allow this company to report my personal information to any reporting agencies. Additionally, I am a protected consumer, this company is sending me mail which is a form of communication when I never done business with them before, nor did I get proof of my ignition of the account. I am demanding this inquiry to be deleted from my consumer report.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( NAVIENT ***** Opened Date XX/XX/2000 XXXX {$0.00} ) This just proves your lack of proper record keeping. Now, this item is reporting to be 30 to 150 days past due, yet it is closed and the balance is zero. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed and no longer active and should have reflected a status of PAID. Provide documentation that
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

My wife is attempting to refinance a mortgage loan. The lender is attempting to contact Experian for a credit report, but they have ( without my permission ) frozen my information. I have attempted to unfreeze it, but their website doesn't fails when I fill out the form and I don't get an option to unfreeze it via phone. There doesn't seem to be a way to speak with a live person.
Consumer complaint received 2022-01-07
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. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 44 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-14
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: SYNCHRONY FINANCIAL (IN)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these accounts and inquires.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My mortgage was transferred to Select Portfolio on XX/XX/XXXX from XXXX XXXX XXXX. 

Before my loan was transferred, I was in an XXXX XXXX XXXX forbearance program with XXXX XXXX, that started in XX/XX/XXXX. I was in the middle of a rate modification with XXXX XXXX and had no negative credit reporting from them during the whole pandemic as I was protected through that forbearance. Select Portfolio did not honor that protection when they recieved my loan and on XX/XX/XXXX reported my account status as XXXX delinquent. Obviously it is an error on there part, but when I called in to get it resolved, I got conflicting answers from every person I spoke to and nothing made any sense. 

Select Portfolio have SEVERAL correspondences in their possession that XXXX XXXX sent to me in XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX showing that I was in an active forbearance and that I was protected from negative credit reporting yet they still reported my loan late during 180 days of that SAME period. When I ask each agent who's names were XXXX, XXXX and XXXX who I spoke to on XX/XX/XXXX and XXXX who I spoke to on XX/XX/XXXX and then again on XX/XX/XXXX, where the 180 days come from?, I got varying answers and varying excuses that didn't answer the question. XXXX who is a supervisor, aknowledge that Select Portfolio had those documents showing that I was in an active forbearance during the period Select Portfolio reported me as delinquent and said that she herself would esculate the issue but in all of Select Porfolio 's esculated responses to my complaint, they chose to ignore my issue and gave me a word salad of tangent facts. 

Please see corespondances to me from XXXX XXXX regarding my Covid ForbearanceXXXX dated XX/XX/XXXX telling me that the forbearance ( which I was already in ) would be extended for another month, though the end of XXXX. Please see another correspondance from XXXX XXXX on XX/XX/XXXX, telling me that my forbearance would be ending at the end of that month and that I need to call them to be place in loss mitigation which WOULD CONTINUE TO PROTECT ME FROM NEGATIVE CREDIT REPORTING, in addition to protections from a other negative outcomes. Lastly, please see a correspondance from XXXX XXXX dated XX/XX/XXXX, acknowledging that I contacted them on XX/XX/XXXX which resulted in my account being placed in a loss mitigation program and that no other documentation was needed. 

I am not sure why Select Portfolio just wont fix their error intead of giving me the run around when I call them and instead of replying to my complaint in writing with so much information THAT DON'T ADDRESS THE ISSUE OF THEM REPORTING ME 180 DAYS LATE WHILE I WAS IN A PROTECTED FORBEARANCE PROGRAM.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (OH)

Experian continues to report and make flags on credit report and today that caused a XXXX point drop. This account shows evidence of fraudulent activity and it has been disputed with experian. 
Experian continues to OVERLOOK the inconsistent information that proves the account does not belong to me ( XXXX XXXX ) It is against the FCRA to knowingly yet willingly report wrong information. Especially after being notified multiple of times. 
The company was asked to validate the account and the results is not accurate with the timing and location. The account numbers aren't the same. On the validation request letter the account reads, ( XXXX ) and Experian has been reporting a different account number ( XXXX ) Experian is bogus for this but will ignore that and continue to add negative marks on my credit report, intentionally. 
Experian reports date open as XX/XX/2021 I have absolutely never transacted business with either company at any time. Also, VERY important to note, the company in question, XXXX was no longer in business on open date of XX/XX/2021. These companies lie so much. 

Experians report uses address ID and the ID being reported is ( XXXX ) However the company validation states the account was created using the address of XXXX XXXX XXXX XXXX, Ohio. According too experians records the accurate address identification number for the verified address is ( XXXX ) During all the different dates listed I still lived at home where I was raised, XXXX XXXX XXXX XXXX Ohio and I was still attending high school. 

Experian along with these other credit reporting bureaus never want to admit their wrong and make it correct and accurate. It seems their actions are intentional. I should not take 50 rounds of disputes with evidence to show the reporting agency has made a mistake. This is a persons life you are intentionally trying too hinder. 

Looking at the documents i've included, anyone can clearly see the account isnt legit. When accounts are legit, ALL the information matches up and make sense. According too dates on the original creditors validation letter the account would have been open when I was still a minor at XXXX and with no valid identification, which is required too open any account. Make it make sense. This account should have been removed MONTHS ago. The company was also contacted with this information of trying to hold a minor responsible for an account that was created when only XXXX XXXX XXXX. It's against the law and shouldnt have ever been on my credit report.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2021, I was notified by SunTrust Bank that my checking account was overdrawn. Upon reviewing my account, I saw that a {$20.00} check that I made out to the Washington XXXX XXXX was changed to a {$4800.00} for XXXX XXXX. This check was obviously altered but was cashed by SunTrust anyway. 

On XX/XX/2021, I called my bank to let them know that I was a victim of identity theft at which time, we agreed that my bank account should be closed and that they would have the fraud investigated. They also indicated that the investigation would take 10 business days. 

At the end of the 10 days, I called again and was told that there were no notes on the investigation and my customer service rep said that she would escalate it. At that time, she said it might take 100 days. On XX/XX/XXXX, I called again and was told again that they had no information and again- they would escalate it. 

It seems as if there is nothing being done and no word from SunTrust ( now Truist ) on refunding not only the missing {$4800.00} but some additional monies from a deposit.
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to delete the following information in my file. The items I need to deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I am currently trying to enhance my living conditions for my newborn son, however the items listed in this report is hindering me drastically. I asked that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit.
Consumer complaint received 2022-01-07
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. (CA)

My identity was stolen and I can't get any help to fix this ... all my credit is jacked up I can't open anythng because so much was done. Plus the data breach on Equifax and my stuff is not good. It should be open and shut case. I was incarcerated from XXXX XXXX XXXX to XX/XX/XXXX XXXX any and. All accounts opened nduring that time were fraud and there was alot of that and inquires. How no one would notice and freeze my credit based on how the credit was being used. Anyway I come to this and I canf even open a account for XXXX. And if I try to open anything it goes bad to worse because all the Bs from the fraud me adding a inquiry just doesnt help. Anyway the police report on file is by la XXXX XXXX. XXXX XXXX case # XXXX. I've told the credit bureaus all this and nothing. They " investigate and come to the conclusion that I did open. The accounts ....!!! Shaking my head. How??. Please help. It's hard as it is XXXX XXXX XXXX XXXX XX/XX/1986. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX. XXXX XXXX XXXX. XXXX ) XXXX. Current info. Please update please indemnification is needed in store and so I can live. Thank you.
Consumer complaint received 2022-01-07
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)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

We were sent a text from Chase bank on XX/XX/22 that there was a XXXX payment of {$5000.00} and did we authorize it. We text No and then received an immediate follow-up call from Chase. It had the Chase number on the back of our card as the caller id. They said we needed to dispute the charge and walked us through how to do it. It was already queued up on our computer that a {$5000.00} charge was initiated. When we questioned the procedure he said to call the caller id number, which we did and it was chase bank. They locked our account right away. We told him this and he reopened it without our assistance. He then walked us through it again. They had access to our account and were able to manipulate the bank screen when they wanted to. They had to have inside access to Chase. We contacted Chase on the XX/XX/22 when we realized what had happened. We went into the branch and discussed it and filed a claim with the fraud department. By XX/XX/XXXX, Chase sent us a letter, which we have attached, claiming they weren't responsible. They let someone access they institution and take our money. We really need some help! They were able to take {$10000.00} out of our account. We were told that under regulation E they should be responsible.