davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (GA)

PenFed denied me for a credit card. I have a XXXX credit score, they said because i have applied too many times, their site was kicking back my login several times, and I thought it was not taking my application, so I continued trying to apply due to this technology hicup, i only was trying to apply one time. I dispute their decision based on me applying to many times.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

After many many attempts via email, online chat, website tickets, and phone support, I have gotten nowhere with this company. I would never have chosen this lender myself. My mortgage was sold to this company and I have had a horrible experience ever since. They Did not pay the correct amount of my property taxes last year and then were too late to make the repayment. It went to collections. I have been getting notices and threats from the city about delinquent taxes and lawyers representing the city have contacted me about delinquent taxes. All I know is my escrow account has sufficient funds but the lender is not doing their job of resolving it. Now the city shows additional fees and interest charges associated with the late payment. I am a XXXX XXXX XXXX  who can not afford to allow this to affect my credit especially during this current crisis. I have already missed out on PPP relief loans to pay my employees and other expenses. Now my credit score is suffering due to this delinquent tax issue.Every ticket I open to request answers is quickly closed as " SOLVED '' with no explanation. And nothing gets solved!
Consumer complaint received 2020-04-28
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 (FL)

We were charged a {$38.00} late fee by Capital One Credit and called to get it removed and they refused to. Weve been heavily impacted from Covid-19. Our family has lost our jobs and have had numerous family and friends pass away. We were told when we initially called back in XXXX that we would not be charged interest and they would remove the late fees knowing that we are in a terrible situation. We need help here and shouldnt be punished for going through what we are going through. They said that the account will remain in past due status and will get reported to the credit bureaus. Weve never made a late payment prior to this and shouldnt be punished now.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

My family is in desperate need of your help! We were impacted financially immediately and contacted Chase regarding our XXXX mortgage Payment and had to take a substantial pay cut ( 4K ) as a result of COVId19. Couldnt reach them via telephone so sent them a message through the app ( per their instructions ) after waiting on hold for 3.5 hours three times! Was assured no negative credit report and no late fees would be imposed and not to worry that we would work something out after a 90 day support period. I contacted them multiple times to confirm we were safe and was always assured they would protect us. Fast forward to XX/XX/XXXX when I received notice that our credit score had plummeted because Chase reported us. Again I contacted Chase through the app and was told they were unaware and asked me to send the notice. Upon reviewing notice, they assured me they would correct it. XX/XX/XXXX I received a letter via USPS ( not certified/ no signature required ) informing me XXXX XXXX   XXXX would be my new note holder effective XX/XX/XXXX and I would have to contact them from that point forward. I immediately messaged Chase and again did not hear back right away. They responded to my inquiry on XX/XX/XXXX well after the required 15 day notice of transfer. 

I have since researched XXXX  and they are an unaccredited predator that stands to profit off of this global pandemic! Our note would not have been transferred had they not reported our credit or imposed late fees like their promised! Please help, we have called Chase all day today to stop this transfer as it isnt fair and could potentially end in my family losing our home! We have paid our mortgage ON TIME for 14 years! XXXX would like nothing more than to profit off of my XXXX in equity. This equity is my familys nest egg. My husband is a XXXX XXXX XXXX and I am a XXXX currently studying to become a XXXX. We are about to break, and really need help. I understand loans are transferred all of the time, but transfers should not be initiated right now, and although they should uphold the terms of my original loan, my non payment puts me in violation of contract and doesnt protect my family. Chase told us we had nothing to worry about for 90 days. We pay taxes on time, and have never been late with any of our credit
Consumer complaint received 2020-04-28
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: INTERCONTINENTAL CAPITAL GROUP (AZ)

On XX/XX/2020 Intercontinental Capital Group called me about a refinancing per information that we filled out under XXXX XXXX. I explained to him that I was already working with XXXX XXXX. I spoke with XXXX XXXX and he told me he could do much better for us and to give him an opportunity. I explained to him that XXXX had already done a hard pull on our credit and I did not want to see our credit score pulled down by multiple pulls. He explained to me that he would be doing a soft pull which does not affect my credit score. So I ONLY gave my permission for a soft pull. He sent me paperwork which I questioned several times because I had only asked for a good faith estimate and amortization schedule and he included loan application papers saying ( In Process ). So again I made it clear to him that I was not ready. After that conversation on XX/XX/XXXX. he had performed without my permission a hard pull on my credit by XXXX XXXX XXXX which I discovered the next day by checking my credit score on XXXX. I then called him the next day and asked him if he had done this and he said yes. I then asked him to call the credit company and undo this to a soft pull which he did not do. We are now in the process of refinancing our mortgage and it is crucial that we have an exceptional high credit score that we had so that we can get the lowest and best rate for the life of this loan. This is our one chance with rates so low that it will enable us to actually pay our house off before we retire. It is crucial that we get this off of our credit record and I want recourse for the action that this man who represents Intercontinental Capital Group did without my permission.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out to address fraudulent personal information linked to my identity. Accounts and transactions have been wrongly assigned to me without my consent, causing me significant distress. As a victim of identity theft, I have reported this incident and urgently need your help in removing all fraudulent information from my credit report. A thorough investigation is essential, as this situation has harmed my financial standing and personal reputation. I am ready to provide any evidence needed and may pursue legal action to safeguard my rights and seek compensation. Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

This is a complaint about Synchrony Financial 's payment rules. I have an account with them for with no interest for a year. I 've been paying my bill 2-3 weeks early. Specifically, my bill is due on the XXXX of every month and I send the payments on the XXXX. However, I noticed that my balance was always more than what I expected. I called and was told that my payments were recognized as a general payment but not as my monthly payment because I was essentially paying too early. For example, I have a bill due on XX/XX/XXXX. I sent a payment onXX/XX/XXXX They 've accepted the payment. However, I still owe a balance for the XX/XX/XXXX. They returned 3 of the late fees but not all of them. In addition, the supervisor was rude.
Consumer complaint received 2020-04-28
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: EQUIFAX, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XXXX XXXX XXXX opened XX/XX/2020 I did not applied for this company and did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is not a duplicate. 

My complaint is that Capital One lied. 

They said that they had resolved my problem but they did not. They claim that I was able to log in, but I was not - I keep getting the message " Let 's get this worked out. You may not be able to see all your account features right now, but we're working on it. Try again in a bit, or give us a call at ( XXXX  ) XXXX. '' There is nothing to click on, no way to move beyond this page to access my account. 

I do not have online access to my credit card information. I need online access ASAP.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (TX)

Several phone calls to my place of employment from a  XXXX   XXXX  who will never leave a message or call back number or say what he 's calling about from phone numbe r (   XXXX  )  XXXX .
Consumer complaint received 2017-05-30
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. (TX)

A consumer in  California had a n issue with a local   XXXX   XXXX   and sued them. I own a   XXXX   XXXX    in Texas with a similar name - but I have no relation to the  XXXX  in California. Due to the similar name, somehow my  XXXX  was named as the defendant in the California consumer 's case.     I did not receive notice of any legal actions in California. A judgment was entered against me in the California case and reported to Experian, which in turn has caused a credit freeze for my business line of credit.     My attorney has contacted the plaintiff in the California case, and the Plaintiff has agreed that I am not the proper defendant. The plaintiff and I have both filed motions with the California court to set aside the judgment because of this error.     I have reported this error to Experian many weeks ago, and my credit line is still frozen and I can not conduct business.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (HI)

On XX/XX/XXXX spoke with XXXX, XXXX XXXX, and XXXX  about disputing charges. 
XXXX said I couldn't dispute more than one charge at a time. 

I have several to dispute, which are listed below : 1. XX/XX/XXXX XXXX {$100.00} 2. XX/XX/XXXX XXXX  {$150.00} 3. XX/XX/XXXX XXXX {$31.00} 4. XXXX Return Payment {$35.00} 5. XX/XX/XXXX Return Check {$99.00}
Consumer complaint received 2020-04-28
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. (CA)

On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to Experian on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked Experian numerous times to send me the certified information to me so I can review it and the representative named XXXX at Experian, stated that I would have to subpoena that information if i wanted it. Experian has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. Experian is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and Experian. I need help from another agency now.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (NJ)

I am getting a notice that I have missed mortgage payments although they have been made - they are sent directly from the bank. I have emailed them and sent a letter with a copy of the payments made from my bank and a copy of their statements that show the payments received. All I have gotten back is an email saying they need the actual checks, which do not exist as the payments are made from the bank.
Consumer complaint received 2017-05-30
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. ()

I am  a US citizen but no longer live in the US and have not  for nearly 8 years. I do n't have an active banking account in the states as I do not want to pay f or one and  have no benefit in doing so, given I am on the other side of t he Atlantic Ocean. B ecause of a federal regulation change in  XXXX   2017 I ca n not make a paymen t on Navients web site nor calling them. They oblige me to pay via  a US banki ng account. This is absurd. I have not been given any solution after several attempts at vein given a solution. The only explanation is that they do not want to pay foreign exchange, or have not set up such system yet. I have not been given or suggested a viable solution except to pay from a US account. Really ? In 2017? Th e global world we live in has solutions. I want to pay, I have the money. Help me to help you.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

CFPB is helping me, the company in error against me takes 2 weeks to respond then CFPB allows 60 days ; in this economic crisis with an unjust judgment other members of my family are feeling the stress muchless this false account against me. Time to end this is my request.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (WV)

I received a Visa cash card in the mail on XXXX. I never requested this card. I do not use square or the cash app. The envelope it came in is addressed to me but the address is not correct. Top right corner of the card has $ XXXX which is unfamiliar to me and has my name on the back of the card. No contact info came with the card to call for customer assistance. XXXX company, unable to reach anyone via phone. Instructed to access app for assistance but I do not have an account nor wish to open one. Of course I am not activating this card but want to make sure my credit and identity is not compromised with this card.
Consumer complaint received 2019-12-27
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. (MN)

I mailed in a police report regarding me being a victim of identity theft and fraudulent and unauthorized accounts listed on my Trans Union, XXXX  and XXXX  credit report. The following accounts are fraudulent, unauthorized and not my accounts : XXXX Credit Card/XXXX Card Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts are not my accounts. They are all fraudulent accounts.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (IN)

Unknown to me A company named Americollect asumed an account from XXXX Hospital which I was disputing with them without much success. Americollect never sent me any information that they had taken over the account in XX/XX/2019. I became aware of this in XXXX when it showed up on my credit bureaus. I called them telling them I believed the charges were fraudulent. They sent me a form to fill out and they said they would investigate and also send me a detailed list of charges. I received a letter XX/XX/XXXX in which they just said that they had confirmed that I was the owner of the account. No list of charges, no explanation. I communicated with them today, and was basically told to pay up. I will pay what I feel is legitimate, but they will not work with me about these fraudulent charges. I will give an example, there are numerous charges called XXXX. There was never any XXXX at all
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

After 2 years of trying to get this fraudulent account removed I still haven't received any results or verification of this fraudulent account from Bank of America. this account is not mine and I have tried to get it removed and bank of America refuses to delete.
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I have been trying to get this fraudulent account removed form my credit reports as it doesn't belong to me XXXX XXXX XXXX XXXX, Nissan motor acceptance has refused to comply with my request.