davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

This debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

There were 3 check deposit into my sons minor acct ( 1 of {$200.00}, 1 of {$160.00}, and 1 of {$40.00} ) which equals to an amount of XXXX.. the check have blank names on the area where it says pay to the order of.. transaction was done in XXXX and we live in XXXX.. right after the deposit was made there was a XXXX transfer of {$400.00} which is the same amount if the checks they had deposited ... the bank says they have investigated and that everything points it was an authorized user.. but this is obviously fraud and it was their mistake
Consumer complaint received 2019-06-16
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: AMERIS BANCORP (GA)

On XX/XX/XXXX I made a payment to my credit card ( XXXX Mastercard ) for {$51.00} through my banks bill pay ( Amerisbank ). It was cancelled on XX/XX/XXXX. I made another payment on XX/XX/XXXX for {$100.00}. It was cancelled on XX/XX/XXXX. I have contacted both the bank and credit card company. Both deny any responsibility. My credit score dropped from XXXX to XXXX. I did nothing to have this occur. I have worked hard all my life to keep my credit score high and don't like that it was lowered due to no fault of mine. All I am seeking is my original score before this happened.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior
Consumer complaint received 2020-05-28
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO EXPERIAN AND TO XXXX CARDS XXXX  TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO EXPERIAN AND TO XXXX CARDS TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO XXXX AND TO EXPERIAN TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO ME.
Consumer complaint received 2020-05-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: The B & F Corporation d/b/a OK Loan Service (OK)

On XX/XX/2020, I submitted a online loan application to XXXX XXXX XXXX for the minimum per website advertisement amount of {$160.00}. 
When I got the approval call, I was told a starter/credit build amount of {$50.00} was approved. 
I called back todayXX/XX/2020, after reapplying online for the remaining {$110.00} to ask if their system reflected that I'm a previous customer in good status and if my approval could now be increased to {$110.00} more which would've matched their lending minimal guidelines per their website and owe {$160.00} instead of {$50.00} that I'm paying onXX/XX/2020 and was told " NO ''.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-03-24
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. (FL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.Discover charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

IThis debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Consumer complaint received 2023-03-09
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: ONLINE Information Services, Inc. (MS)

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late on purpose.
Consumer complaint received 2020-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

First I took out loans in the early 90s through XXXX of XXXX XXXX. At that time as a student we received no loan education or financial counseling. The school allowed us to take out loans, drop, receive the money back and register again and do the same thing. I can not even tell you for how long this happened. 
Then I graduated in XXXX from the University of XXXX XXXX in XXXX XXXX. I was put in forbearance right away. I have asked repeatedly about the public service repayment program but was told over and over that as a nurse I did not qualify when in fact I have qualified since XXXX when I first became a nurse. My interest has been accruing since the early 90s and I do not believe that this is right nor do I think its right that I continue to be charged when all my loans would be almost if not already payed off. Navient should have told me many years ago that I qualified for this program. This has totally affected my life and credit.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I attempted to purchase sporting event tickets online through my financial institutions ( XXXX  ) Zelle link however after I sent the money the person never sent the tickets. I contacted my financial institution and Zelle within an hour of the transfer to cancel the transaction however they said that there was nothing that they can do other than open an investigation and the chances of recovering my funds were extremely slim. I believe that since I contacted them within an hour of the transaction they should have been able to do a chargeback however they claim that was not possible.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

I've noticed that Synchrony has closed my Rooms to Go account without giving me the chance to dispute it. I received emails on a regular basis and went to go make a purchase this weekend and learned that my account is closed. I have also received notices from Synchrony to inform that they rechecked my credit and have decided to reduce my credit limit without notifying me first to see what the problem is or to see if its something that can easily be fixed. I admit that I may have missed a payment due date a time or two but is that grounds for reducing my credit limit and ruining my credit? I have had a devasting reduction in my credit score and unable to hardly get any credit now. Like I said, I knew that I had missed a payment or two here and there but couldn't figure out how my credit score took such a big hit but now I know why. I feel that Synchrony has taken advantage of me and I don't like this. Unfortunately, they do the financing for 7 or the vendors that I am currently doing business with. I owe balances on each of those cards except Rooms to Go. I am in need of a good mattress but could not get reapproved this past weekend. I have paid off the previous balance a few years ago. I could see me being approved as an issue if I was in default with them. Why does Synchrony get to treat hardworking consumers in this manner?
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Over 3 hours in phone call time on multiple occasions were made regarding force placed insurance on a new loan transferred to Flagstar bank. Resolution has been promised for several weeks regarding updating an escrow analysis on my account. To date, the payment still reflects monies owed in escrow despite all insurance documents being provided and approved from their insurance department. There is a fundamental lack of communication within Flagstar 's departments which causes confusion and prolonged resolution time.
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

My closing was delayed due to Chases mortgage team not seeking the correct insurance information until the day of the scheduled closing. I immediately provided the information, but Chase was unable to process the information fast enough and had to delay my closing. I was told that the department responsible for processing the information was too busy to process the information in time. Nevertheless, Chase refused payment under its Chase Closing Guarantee. They tried to blame my realtor, who had no involvement in the issue. Their claimed guarantee is misleading.
Consumer complaint received 2020-02-17
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: LEXISNEXIS (NV)

I have been trying to resolve this unverified bankruptcy entry with XXXX, starting with my correspondence starting from XX/XX/XXXX till XX/XX/XXXX to no available remedy from XXXX. 
XXXX  has made claims several claims that this information has been verified by its 3rd party vendor LexisNexis, with no other details provided to me. With that response from XXXX, I contacted LexisNexis and asked them to verify this information, by obtaining the records this vendor had. LexisNexis could not show or prove that XXXX  had contacted them or verified this bankruptcy as XXXX  has claimed. Bankruptcy information was never found in my consumer disclosure report that LexisNexis maintains. 

LexisNexis conducted their OWN independent 30-day investigation, sent the information of their finds as a dispute on my behalf to ALL 3 credit reporting agencies. XXXX, did not respond, but removed the information, XXXX, responded with documentation to LexisNexis stating a removal of the bankruptcy, XXXX  did not respond to me nor LexisNexis. 

Despite this information FROM LexisNexis and additional information provided to XXXX  by their third-party vendor, the unverifiable information remained. 

XXXX, did not properly take the correct steps to verify and correct the information, which they are reporting pursuant to it obligations under the FCRA. Under the FCRA, the investigation. a credit reporting agency undertakes must be a reasonable one. 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), XXXX   was required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

According to XXXX  " verified '' means that the company, ( in this case vendor ) that reports the information to XXXX  has certified it reported accurately. However, this is not the case, LexisNexis DID not verify to XXXX that this information was verified. 

A letter was sent to XXXX  on XXXX XXXX requested their Method of Verification, which by law I am obligated to ask for and shouldve received, since XXXX  verified with LexisNexis . That information as not provided to me, I was told to look in the Public Records section of my credit report and find that information. This DOES NOT constitute as proper Method of Verification according to the FCRA. Also XXXX sent another letter in the same envelope that they couldnt verify my identity to provide me the information that I was requesting, so why did XXXX  instruct me to look at my Personal Records section of my credit report and state they would not reinvestigate this information, which was NEVER investigated to begin with?
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX at approximately XXXX pm, I contacted American Express by telephone regarding the current APR they are charging on my XXXX XXXX XXXX XXXX XXXX and spoke to their representative XXXX badge number XXXX in the Texas office. My issue with American Express is that since XX/XX/XXXX, they have been charging me 29.24 % which is just under their Penalty APR of 29.99 %. I have had this account with American Express for well over 10 years during which time I have consistently paid on time and paid above the minimum amount due each month. With my account history in mind, I was therefore asking for some consideration in having my base rate ( prior to adding the prime rate ) reduced to a more reasonable rate. During our conversation, the representative informed me that the low-end rate American Express is currently charging customers is 17 % but that mine was set at 21 %. The representative then told me she did not have the authority to adjust my rate at which point I requested to speak to a supervisor or manager. The representative refused to let me speak to a supervisor or manager and insisted that no one at American Express was going to adjust my rate. 

I do not feel my request was unreasonable, but I do feel that charging me 21 % plus prime is not only unreasonable but extremely unfair in view of my payment history with American Express over the past 10 plus years. I have 2 other credit cards with other companies whose APRs are 17.99 % and 19.49 % respectively which is the type of APR rate reduction I was requesting American Express to consider. 

I felt that the representative was unprofessional and unwilling to try and assist me in this matter.
Consumer complaint received 2020-02-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

I refinance my VA loan with SunTrust Bank in XX/XX/2018 due to hardship with payments, as a widow, I didn't have my husband 's income anymore so I decided to refinance the loan to get a lower monthly payment. 
The financing went through and was somewhat satisfied with the results, the payments were lowered from XXXX to XXXX. 
15 months later I was informed that my mortgage had gone up due to not have enough funds in the escrow account and my choice would be to pay the escrow or the monthly payments would go up to XXXX. 
I find myself back to square one with the payments. 
I do not have the escrow amount which is a substantial amount of money for me. 
I have lost 15 years in this mortgage by refinancing for nothing. 
I have tried to contact the loan officer who I dealt with with the loan and haven't got any responses. 
I did contact the Bank and spoke with a customer service representative and got no explanation other than to pay the escrow account and that there is nothing I can do about it. 
I am not sure at this time how I will manage but would like to have some feedback if possible. 
Thank you. 
.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (TN)

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2020-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (LA)

I got into a loan agreement with Spotloan on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$800.00}. I was charged an interest rate of 460 % with 10 payments of {$260.00}. So far I have paid {$790.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$2600.00} on a {$800.00} loan.