davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

THIS IS NOT A DUPLICATE, THE PREVIOUS REPORT FILED WAS INCOMPLETE. 
PayPal Credit is reporting to the credit bureaus 6 months of late payments and each of these months the payment amount has been withdrawn from my checking accounts. Due to a medical emergency, I was placed on a hardship program lowering my monthly payment to {$36.00} a month. Each month I have received emails from PayPal claiming my payments have been rejected. I have spoken with several representatives who all say they can not explain why the payments had been returned or how I can fix this issue. 
I have paid my bill each month, successfully and accumulated {$290.00} in returned check fees and {$180.00} in late fees. I am including bank statements showing the payments deducted from my accounts, PayPal statements showing the hardship program and additional information relevant to this situation. In XXXX I spoke with a representative who confirmed the late payments are incorrect and was expediting my case to have a letter sent to the credit agencies. I have requested PayPal send me all transaction statements from XXXX, XXXX and XXXX, but they have not complied. As of one hour ago, I received an email from PayPal notifying me that a payment I made early this month was been returned. and I am being charged an additional {$27.00}.
Consumer complaint received 2021-03-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (CA)

We refinanced a loan in XXXX with XXXX XXXX. The Title company at the time was XXXX XXXX XXXX. We received a clear title and was able to close the loan. We are in the middle of refinancing and on the day we were going to sign the closing documents, the current Title company said their is an outstanding lien from XXXX. This was not reported to us in XXXX, otherwise we would not have been able to close that loan. I have been in contact with XXXX and they claim they have no duty to us to solve this issue. We are going to lose a loan that would be saving XXXX $ XXXX because of the mistake made by XXXX in XXXX.
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I recently requested from my loan servicer Mr. Cooper ( Nationstar ) to remove the PMI from my loan as the LTV has dropped below the 80 % threshold, I have had no late or missing payments in the 5 1/2 years I've had the loan, and the property value has increased substantially. I received a call today from a person in their Insurance department, and he told me that the removal of PMI was based solely on the original amortization of the loan, and I told him that the guidelines clearly state that it also states 'based on actual principal payments '. 
Mr Cooper is in violation of the XXXX Guide section 8203.2 ( a ) Borrower-requested cancelation of Borrower-paid mortgage insurance based on the original value. 
The original purchase price of the home was {$130000.00} in XX/XX/2016, and the loan was originated with a 5 % down payment, which brought the pricipal balance down to {$120000.00}, or 95 % LTV. With my most recent payment, the principal balance is now {$100000.00}, or 79.74 % LTV.
Consumer complaint received 2020-04-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Account/Product Type : Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXXCountry : United StatesEmail Address : XXXXPhone Number : XXXXInstitution Information : Complaint At 1st loan consultant XXXX XXXX NMLSR ID XXXX says all looks fine by 1st week of XXXX and said lets proceed with the applications, after he checks the DTI he runs my credit. since iam very sensitive about my credit, i always have the consultant make sure that number works and them allow to have my credit pulled. so beginning of XXXX before covid-19 hit newjersey, the application process was started. after multiple follow up, XXXX calls me end XXXX and says all the XXXX about market and says wellsfargo has stopped looking into the applications because of what going COVID-19 situation. which i think is totally unjustified when the applicant has good score/ good income / good rental income/ good equity in the collateral then Ms XXXX XXXX , NMLSR XXXX calls me another day and gives me XXXX about very less equity in the collateral without even doing an appraisal. then i get a call from executive office telling me that wells Fargo has guild lines that when some one owns more than x number of properties will not be considered, he even tells me that the consultant is not suppose to let the client know about the guild lines and do not discourage the client from applying this was the worst answer i ever got from any lender in my past 15 years of working with loans wells fargo again is misleading clients and this practice of not letting the client know about the guild-lines is not acceptable
Consumer complaint received 2020-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

The company Procollect has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine and get debt validation as I have not signed a contract with them or any company they affiliate with. This account is fraudulent and was made without my consent. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Procollect is a scam and does not care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION (VA)

UMB Bank recently took over my XXXX XXXX Account that had been set up by a previous employer over a decade ago. The account has been serviced by several different financial institutions over the years with no problems and I have only ever accessed funds for a medical procedure also over a decade ago. The XXXX was transferred to UMB by my previous employer ( I was not involved in selecting the bank ) and within a few months they sent me a notification that they were putting my account into inactive status due to a lack of transactions and the only way to change it back was to conduct a transaction. Having no desire and no need to access these funds, I am now being punished for being in relative good health and wanting to save all my funds for potential future health issues. 

I understand this is not technically a " fee '' being charged by UMB, but conducting a transaction entails either, putting money into the account, which I do not want to do, OR paying for something with the debit card, which is likely the preferred method by UMB who then gets the swipe fees for the transaction. In my opinion, this is a species of " junk fee '' that this institution is charging its customers. When I contacted UMB and requested they not move my account into " Inactive Status '' as I was " actively '' calling them to tell them I was a current customer and didn't wish to have my status changed, they simply told me it was in their terms and conditions and I had to engage in some transaction. In theory, this will continue to be an issue every 18 months I do not have a medical expense.
Consumer complaint received 2020-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

There were inquires that were made on my credit report that was not authorized by me. 

XXXX XXXX Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX Date : XX/XX/2020 XXXX XXXX XXXX Date XX/XX/2020
Consumer complaint received 2021-03-15
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: Resurgent Capital Services L.P. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-03-30
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: EQUIFAX, INC. (MI)

I have sent in documentation to both bureaus Equifax and XXXX regarding erroneously reported information. I have spoken to customer care as well as USPS certified notarized copies and the j formation is still on my report which has caused me financial issues due to the credit scores and charged off collections and inquiries. This has been dragged on for 6 months now Im have really been working extra hard to get this taken care of XXXX has taken off the information. All three reports should pretty much have the same info. I am facing more stress along with the Covid19. I am asking that the inquiries be removed and the collection accounts as well. My credit score updated. I was denied a loan. I have been paying my bills on time and keeping my credit clean.
Consumer complaint received 2020-03-30
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: CORELOGIC INC (MI)

I have sent in documentation to both bureaus XXXX and XXXX regarding erroneously reported information. I have spoken to customer care as well as USPS certified notarized copies and the j formation is still on my report which has caused me financial issues due to the credit scores and charged off collections and inquiries. This has been dragged on for 6 months now Im have really been working extra hard to get this taken care of transunion has taken off the information. All three reports should pretty much have the same info. I am facing more stress along with the Covid19. I am asking that the inquiries be removed and the collection accounts as well. My credit score updated. I was denied a loan. I have been paying my bills on time and keeping my credit clean.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (OK)

We furnished a house from Ashleys on the XXXX of XX/XX/2019, a living room, dining room, and 2 bedroom sets. When we started receiving the stuff everything that was delivered was defective and damaged, the drivers would note the damage and we would contact customer service to discuss the issue, when they redelivered the furnisher it was always damaged, they gave us damaged furniture up to 4 times. We tried contacting customer service a second time, they arranged a second delivery to replace the damaged items, they gave us more defective and damaged furniture for our living room and bedrooms. We tried to contact the managers to solve the problem, but its a corporate store with the same managers, for some reason they were not willing to work with us, we bought brand new furniture but they treated it like it was used by sending people over to fix it. Everything except the bedrooms was delivered damaged, we called the manager again 3 days after we received the stuff to return it, it states on the TOS that you can return items up to 7 days after the delivery, they ignored the request. After this we contacted the credit card company, which is affiliated with Ashleys and we attempted to dispute the charges. It took Synchrony Bank 60 days to respond, the dispute came back declined even after we told them theyre furniture is in the garage unused and ready to be picked up. 
synchrony bank P.O. Box XXXX Florida XXXX XXXX
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OK)

In XXXX I received an email stating I owed synchrony bank a payment for a credit card I didnt receive. I attempted to call synchrony regarding this issue. I can confirm they had a different address than my own so a card in my name went to someone elses house. 
In addition, I can confirm synch/amazon is on my credit report as a new report. 
Here are the issues. 
1. Without the correct address synchrony wont tell me the account number. 
2. They wont send statements to my address but to the fraudster using my card. 
3. Cant sign in online without the full card number. The card number the fraudster has not me. 
4. Synchrony was informed of these issues in XXXX. 
5. Now XXXX, I get another email saying I now owe $ 500+ even  though I explicitly asked the account be closed. 
6. I can not see any messages from Synchrony without the account number.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

This is a huge problem with LexisNexis, they can lie to insurance companies about anyone so the insurance co can charge you more money. This is fraud in the worst way because it's legal and nobody cares who it effects. My insurance premium has been adversely affected by LexisNexis with no reason code or description. This must happen to millions of people for homes, vehicles, boats, motorcycles and more. This co needs to be put out of business. How can they do this to our Veterans and the most financial secure people in this country. They have been getting away with this for years. I wish I could sue them for every extra $ XXXX had to pay over the lowest available premium. Lets see what all my years of Tax money can do for me and my family and countless others ... ..
Consumer complaint received 2020-04-10
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: ZWICKER & ASSOCIATES (KY)

This account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like XXXX XXXX accepted a payment after they closed the account already.
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: APEX Asset Management, LLC (PA)

The collection agency APEX Asset Management had over 14 different delinquent accounts on my credit report that are negatively affecting me which Ive disputed due to fraudulent charges and accounts I had no knowledge of. XXXX removed all these but XXXX  hasnt. Ive also never received anything from the collection agency and was never informed about being able to dispute these fraudulent activities
Consumer complaint received 2020-03-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$950.00}, {$230.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$950.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of starting a new company and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper XXXX is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2021 my husband went to put gas in our car and upon trying to pay with our debt card it was denied. He then proceeded to two more gas stations and the same happened. He called me to see if there was something wrong with the account and that is when I found out after checking online the bank had closed our account no warning no explanations. I called the bank Customer support only to be told to go to the branch to resolve the matter. We went to the XXXX XXXX, Florida branch and were told that the matter was confidential and they could not discuss it. We talked to the branch representative who checked with the home office. The bank representative told us that the matter was with me not my husband and it was labeled " confidential '' and she did not know what was all about. She apologized and said the same thing had happened to her some time back. She advised my husband to open another account and transfer the funds and that would take a few days until all pending items cleared. I have called the bank only to be told the same story, no explanations, no reasons, absolutely nothing. I am an elderly person, no criminal record, excellent credit score. I finally received a phone call from the bank asking me to contact a case worker but I would have to do that at the bank. Today XX/XX/2021 I am going back to the branch to try and find out what is going on!!! This has been very stressful and upsetting for both myself and my husband in our middle XXXX having to be subjected to this humiliation and no explanation. PLEASE HELP!
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (VA)

The collections agency is called Midwest recovery systems. I have never gotten any documentation from this collections agency, nor could they tell me what the debt was for or where it was from. I have no idea who they are, and they have. Even constantly flagging my account. I have never received an email from them, or any letters or phone calls.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

XX/XX/2022 the email states : This is a notification that you won't be able to use your online service until you confirm your information. We've taken this step to ensure the security of your account. 

Simply click " Confirm Now '' button and you'll be taken to a Bank Of America online validation page. 
PRIVACY STATEMENT | UPDATE YOUR EMAIL Confirm Now We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2022 Bank Of America is federally insured by XXXX. All rights reserved. 

XXXX I had a checking account for almost a year with Bank of America in XXXX XXXX. It was a regular checking account with direct deposit setup. I closed the account after resigning from employment at the time. I did close the account in person at the XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX United States That was XXXX months ago. Without employment I have no income. The monthly fee for a checking account was {$12.00} XXXX. I have applied for XXXX & XXXX last year. I am awaiting a determination discussion. I had to close the checking account to avoid going into debt from the monthly charge. I do not have any income to have a bank account. The account should not be a active account. I will contact the branch office in person when I am able to confirm the account was closed. To have my information safe I consider reporting this appropriate. I did have my identity possibly stolen this year. I received a notice from the IRS.gov requiring me to confirm my identity with XXXX because of possible other IRS tax fillings for my SSN. I have confirmed my identity with the SSA.gov & IRS.gov & id.me
Consumer complaint received 2021-10-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (MI)

I went thru a bankruptcy and these loans were discharged and they have never stopped billing and collecting from me. This has been a hardship financially for me for YEARS. Please talk to the PHEAA for me and have them honor the bankruptcy from 2007!!