davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WV)

I have a card with Synchrony PayPal World. My limit was {$1200.00}. I have never missed a payment, been late with a payment, or been over limit. I have paid the card off numerous times. In XXXX they lowered my credit line to {$890.00}, and also for some reason did a hard credit check which lowered my score. Last night, they lowered it again to {$580.00}, and did another hard credit check, which lowered my score again. Now I can not use the card for an upcoming vacation I had planned for my dad, nor if he goes back into the XXXX out of state I can't get a hotel room because they made sure to lower the credit line leaving me with an available {$19.00}. Which knocks my score down some more because of credit usage percentage. The reason? I own my home. I don't have any plans or mortgages on it. So they decreased my credit line.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2023, I was charged annual membership fee of {$95.00} for my XXXX of XXXX credit card. On XX/XX/2023, Chase closed my XXXX of XXXX credit card account due to its bank policies. I am requesting this annual fee be refunded as the account was closed by the bank.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past ten years.

Thank you.
Consumer complaint received 2021-10-12
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (WA)

This is a follow up to closed complaint : XXXX. 

I am a XXXX XXXX XXXX in Washington State trying to complete a short sale on an estate property. Novad did follow up and said they requested a rush appraisal with me as the point of contact. I have not received a call from an appraiser to schedule. 

To further this, I have sent emails to follow up. 

XX/XX/XXXX email requesting the appraisal due date XX/XX/XXXX call to the extension of the Loss Mitigation Supervisor. Extension rings with no voice mail. Emailed to follow up and to let them know that a son of the deceased is living in the home ( not paying rent ) has threatened to trash the house and cut down trees, even suggested cash for keys. I asked for their advice in order to protect the property. 

XX/XX/XXXX another call to the extension of the Loss Mitigation Supervisor. Again, extension rings for several minutes with no voicemail. I sent another follow-up email. This time the email is kicked back as the email address to the Loss Mitigation Supervisor and another staff member of Novad included on the email chain is not found and is unable to receive mail. 

I am highly concerned that Novad is impossible to work with. Why offer the option of a short sale if Novad is not willing to go through the steps to complete the process? There are buyers who have put an offer on the home who are hoping to start a new, exciting chapter in their life. The lack of response is bound to exceed the contract offer terms. It seems Novad prefers homes to go into foreclosure. Such a waste of time, resources, and money. HUD needs to investigate this and find another provider.
Consumer complaint received 2023-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

On sunday XX/XX/16 I ordered a list of items with XXXX but some of the items were not delivered, and right away it was confirmed with the restaurant that those items were not included in the delivery. The restaurant did not take the payment because it was through XXXX, but XXXX was unable to provide credit or partial refunds either. Then I disputed the charge for partial credit should be issued since the transaction did not happened as it should have been. The amount of the food proportionally would have been around XXXX dollars out of the XXXX dollar order, and capital one denied the request for refund claiming that I did not provide needed information, even though both receipt and signed letter/claim form were provided.
Consumer complaint received 2023-11-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am in the process of closing on an XXXX loan for my XXXX XXXX to payoff a XXXX XXXX XXXX XXXX loan. In the process of closing, the XXXX company discovered a XXXX XXXX lien placed by Fifth Third bank, my XXXX XXXX lender, on behalf of XXXX for XXXX. On XX/XX/XXXX, Payoff requested by XXXX company to XXXX. Notified XXXX company on XX/XX/XXXX that XXXX had no record of the account or lien. XX/XX/XXXX, I was notified by the XXXX XXXX company that they could not complete the loan until XXXX lien was paid off and they would need the payoff information to continue. Reached out to Fifth Third for this information and was transferred around to XXXX individuals, but no one was able to find this information. I submitted a complaint to the XXXX XXXX XXXX immediately after that call. XX/XX/XXXX, Received a call from office of the president at Fifth Third Bank and advised they are working on providing the information. I allowed XXXX days to pass with no update provided and then reached out on XX/XX/XXXX to the XXXX XXXX XXXX. Advised again still working on providing the information. Exchanged XXXX calls between XX/XX/XXXX and XX/XX/XXXX only to be referred back to XXXX even after I indicated they did not have this information and it had to come from Fifth Third Bank. XX/XX/XXXX submitted my own request to XXXX for information. XX/XX/XXXX XXXX on behalf of XXXX reaffirmed they did not have this information and I would need to contact Fifth Third Bank.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Reliant Capital Solutions, LLC (AZ)

RELIANT CAPITAL SOLUTIONS , LLC Date Assigned -XXXX XXXX XXXX Original Amount Owed- {$8800.00} I asked for a validation of debt letter with my signature showing I have a contract with the company, and they have not provided this, this is violation of the FCRA and my rights.
Consumer complaint received 2024-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (FL)

I took out a heloc loan in XX/XX/2022 for {$70000.00}. I knew this was a long term loan and wanted a fixed rate. It was supposed to be fixed as I had done a fixed loan on my own in the past under Suntrust. It was at the time of merger and the bank was in chaos. When I realized the rate was not fixed I began calling in XXXX. Check the logs... multiple calls with no action until XX/XX/2022 when someone tried to help. I was expecting a conversation about the rate and was looking for a rate around 4.11 % when I first started seeking resolution. Instead, someone changed the rate to XXXX? %, then they took my husband off the loan and never notified me of the " new loan ''. I never signed the paperwork, never got an amortization schedule and didn't know what was done until months later. I thought they were still working on it because Truist customer service is the worst I have experienced. After getting a " fixed '' loan that I never signed, I noticed all my payments in some months were going to 100 % interest and nothing to principle. I asked for a rate adjustment and to review my loan payments. This has been going on for XXXX years now and the last person I spoke with ( XXXX ) told me to go ahead and report to the CFPB. XXXX said my credit hasn't been damaged and I can't prove anything. The market XXXX XXXX, that was working on a resolution never called back. I went to the branch and was told he was fired but they knew he was working on it. XXXX in XXXX would never call back or answer emails. The new market XXXX wouldn't call me back. Is it legal to refi a loan without my signature, take my husband off the loan, apply my principle to interest? And never got the lock I was looking for for months. I have filed multiple complaints because no one will respond or call me back.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (SC)

My bank information was on a XXXX XXXX and my XXXX account was logged into by someone and they stole my money The security team told me that they can see that it did not happen on my device but they cant tell me who did the fraud.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

In XXXX of 2023, I misplaced my wallet and my entire family helped me search for it. This can be seen on our security cameras. However, I soon discovered that someone was attempting unauthorized transactions using my frozen cards. I immediately reported these transactions to the respective businesses and froze all my cards, including credit cards, child support, Navy Federal XXXX and XXXX cards, and XXXX. I also noticed unauthorized airline transactions and other suspicious activity with my Navy Federal account, so I filed a fraud claim and informed the banking institution. To address the ongoing transactions, I filed a police report and contacted the police when the perpetrator made XXXX fraudulent transactions at XXXX. I also reached out to the store and informed them about the fraudulent card being used. Unfortunately, they advised me to contact the police as they couldn't assist in this situation. The police provided me with documentation confirming that I was a victim of fraud, which I promptly provided to Navy Federal. However, despite providing all the necessary documentation, including screenshots and police paperwork, the financial institution has not returned my XXXX Bank funds amounting to {$2200.00}. This failure to return my funds is having a significant impact on my corporate business.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have asked multiple times through mailing correspondence as well as over the phone, for the consumer reporting agencies to update my personal information as they are reporting inaccurate information on my consumer report which is in a violation of FCRA.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX  Experian received a consumer complaint about XXXX XXXX  XXXX  debt being reported, Experian failed to investigate My consumer complaint. XXXX XXXX  has not sent any Information validating the alleged debt. Please see the failure to investigate the Experian credit report dated XX/XX/
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MI)

Inquirers on XX/XX/23 from JPMCB card services XX/XX/2XXXX XXXX XXXX XXXX Didnt inquire these myself. Someone else is doing it.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/ I transferred {$6000.00} to my Navy Federal Credit Union Savings account from XXXX XXXX XXXX XXXX 

On XX/XX/2023, I transferred the {$6000.00} back to my XXXX XXXXXXXX XXXX XXXX account from Navy Federal. 

On XX/XX/2023, Navy Federal Credit Union made an unauthorized withdrawl of {$6000.00} from my XXXX XXXX XXXX XXXX checking account.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Neon Newco Corporation (CA)

Currently, I am using Netspend as payroll debt card for the past couple months. I have been their customer for over one year. However, this is the second time that someone in the company has locked my account and online access due to unknown factors. Personally, I believe that someone has a problem with my job at Netspend in order for them to lock me out of my account. I have my payroll checks going into this card every week and it seems like they are getting mad at that fact. My friends told me that this card was very safe to use but now I am not sure. I just want to know if it is okay for me to use this card or are they going to lock me out of my account for no reason?
Consumer complaint received 2024-01-05
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. (MO)

Like they do everyday, like a criminal sneaking in the middle of the night experian closed another 2 complaints without having addressed the issues but once again giving childish explanations that have absolutely nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2024-04-14
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. (MD)

This account XXXX XXXX is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, this account is shown on my credit report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT from XXXX XXXX XXXX  XXXX. I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with DETAILED INVESTEGATION OF DOCUMENTATION proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

XXXX XXXX XXXX ( XXXX  ) submitted a 100 % fraudulent document trying to collect a debt I don't owe. I personally went to the bank and spoke to a certified banker and they verified the letter was not from them and is fraud
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MD)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immed ately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Self/LEAD BANK ACCOUNT # XXXX Reported as late on XX/XX/2021. 

I am demanding that this account be updated to Paid as Agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We closed on our home XXXX XXXX. The loan originated with XXXX XXXX XXXX  XXXX Original Loan Amt was {$440000.00}. The first payment due with XXXX XXXX was on XXXX XXXX, XXXX. I was told, by XXXX XXXX, if my loan is sold before XXXX XXXX that I would not owe a payment. The Loan was told to Penny Mac late XXXX XXXX. I was told by XXXX XXXX XXXX  no payment was due to them on XXXX XXXX, XXXX. I received an statement from Pennymac for payment due on XXXX XXXX XXXX. The payment was made to Pennymac. I just received a letter from XXXX XXXX XXXX  saying I owe them an XXXX XXXX, XXXX  payment. I have called Pennymac several times for them to explain why the mortgage loan shows, on their end, the full amt of {$440000.00} and not minus the amount XXXX XXXX says I owe them. I have asked to speak to management and still nothing. XXXX XXXX XXXX  says Pennymac purchased the Loan for {$440000.00} which should have included the XXXX XXXX payment.
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc. (TX)

To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : Keynote Consulting Keynote Consulting , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Cease and Desist. I DO NOT KNOW WHO YOU ARE AND I HAVE NEVER DONE BUSINESS WITH YOU ALL. REMOVE THIS FROM MY CREDIT FILE IMMEDIATELY. Not only is it illegal for a 3rd party collection agency to collect a debt that never originated with you all, I have no recollection of doing business with you. Not sure who you are or why this is here. The information you all are reporting is 100 % false! - inaccurate. I never gave ANYONE FROM YOUR COMPANY my written consent for any debt and I DONT NOT OWE YOU ANYTHING I am demanding that this account be updated to paid as agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

The goal with my credit profile should be maximum possible accuracy. What is actually fair and true. None of this is 100 % accurate. This has caused me to experience so many damages its unreal. The inability to get a loan, the inability to get a high limit credit card or even a mortgage. If I am offered anything Im met with the highest interest rates, high down payments and no grace periods. Everything on my credit report has been causing me a great deal of stress, XXXX. Thats not okay, fair or true. 


I demand to be compensated for each violation on my credit report in accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can NOT furnish an account I will await your reply. 

Kind Regards, XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

I just got collections on my account for {$4000.00} from XXXX XXXX XXXX. The debt collector is Consumer ADJ CO. My report says is was opened on XX/XX/XXXX. They tried to contact me once and said this was a collection from XXXX and I told them that I never got a loan and that, that information was false. I dont have any paperwork from them.
Consumer complaint received 2024-01-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (CA)

I just got collections on my account for {$4000.00} from Check n go. The debt collector is XXXX XXXX XXXX My report says is was opened on XX/XX/XXXXXXXX  They tried to contact me once and said this was a collection from XXXX and I told them that I never got a loan and that, that information was false. I dont have any paperwork from them.