davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have three separate credit card accounts with Synchrony Bank. 

Amazon.com Store Card account ending in XXXX PayPal MasterCard account ending in XXXX Lowes Advantage Card account ending in XXXX On XX/XX/2020, Synchrony abruptly and for no reason at all, closed all three of my accounts. See attached letter that was sent to Synchrony Bank, and closure letters that were sent to me. This can also be shared with Synchrony Bank in this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I called XX/XX/2020 about an unauthorized transaction on XX/XX/2020. Merchant name is XXXX. Took {$250.00} out of my account and I do not have any involvement with this merchant nor have I ever had an account with them. My card has been used without my authorization.
Consumer complaint received 2020-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

We bought our home XX/XX/XXXX. The escrow account was set up to cover all taxes and insurance. In XX/XX/XXXX, the company reassessed our escrow and changed the terms. It lowered our obligation by several XXXX dollars and refunded {$1800.00}. While they were doing this and sending us mail about the change, the company transferred our loan to someone else. 

We thought the change in escrow was from the new company. We had argued that it shouldn't be changed and was told, our records show you don't need to pay this much. 
This XXXX we received a notice that we owe {$5000.00} to our escrow because we are short. They want to a ) have us pay it in full or b ) pay {$400.00} more a month on top of increasing our mortgage payment to the original amount. We can't afford either solution. 
We called the company and spoke with XXXX  ext. :XXXX. We requested an audit on the escrow. We are supposed to get an email by the end of the month. They asked where we want to go with this and we told them " We need to be compensated for their error in the audit and change of our original terms in our Escrow disclosure. This is and will put a tremendous strain on our finances. '' We've tried to reach out again. The company hasn't returned our calls.
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX, officer of the court representing JPMorgan Chase Bank, solicited a loss mitigation request and received mortgage assistance documents from XXXX XXXX on XX/XX/XXXX. XXXX XXXX, officer of the court for JPMorgan Chase Bank, never reviewed the mortgage assistance documents and made material misrepresentations to the Court regarding receiving and reviewing the mortgage assistance documents in response to a Emergency Motion to Stay a Sheriff Sale scheduled for XX/XX/XXXX. 
Emails are attached from XXXX XXXX, officer of the court for JPMorgan Chase Bank, NA. Indicating soliciting and receiving the mortgage assistance documents.
Consumer complaint received 2020-03-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (PA)

On XX/XX/XXXX, I spoke to XXXX XXXX ( SPOC - Single Point of Contact ) regarding my account. Mr XXXX advised that after I made a payment on XX/XX/XXXX, he would submit a Deferment for approval to bring my account current. On XX/XX/XXXX another payment came due and I had not heard from Shellpoint if the Deferment was approved or declined by mail, email, or phone call. If the Deferment was approved and processed after XX/XX/XXXX then the Deferment should bring the account current, due XX/XX/XXXX. On XX/XX/XXXX, I called Shellpoint to see if the Deferment was approved or declined. I was advised the Deferment was approved on XX/XX/XXXX. I advised that I never received a call or Deferment Agreement stating that I was approved and to acquire my signature. I advised that I was told that the Deferment would bring my account current. I did not receive a phone call back regarding the due date being adjusted to XX/XX/XXXX. On XX/XX/XXXX, I received the XXXX Mortgage Statement dated  XX/XX/XXXX showing the account 2 months past due. Again I called Shellpoint to discuss the fact that the Deferment was supposed to bring the account due for XXXX. On XX/XX/XXXX I called XXXX XXXX at Shellpoint and left a message about the Deferment bringing the account due for XXXX. That same day I received a XXXX XXXX XXXXackage from Shellpoint. The letter is dated XX/XX/XXXX. Congratulations! you are approved for the Deferment Program. So I received the letter on XX/XX/XXXX that the the Deferment was approved. XX/XX/XXXX is 39 days after the Deferment was approved and processed. On XXXX the account was due for XXXX and XXXX. When I called Shellpoint back again to ask why a letter is not mailed to the borrower advising me that the Deferment was approved and processed on XX/XX/XXXX, I was advised that it is not automated and it takes time. I know that loss mitigation lays out a timeframe in which a letter needs to sent to the borrower. Also does the Deferment Agreement have to be signed by the borrower in Pennsylvania? 

I made a payment in XXXX and XXXX. If the Deferment was processed to bring the account current I would be current. Instead I'm due for XX/XX/XXXX. This has caused another issue. When I go online to make a payment with no fee to process my payment, I am not able to because the account is past due. So I tried to process on the automated phone system {$5.00} fee but that is not allowed because the account is past due. So I have to make a payment through a Shellpoint representative ( {$15.00} fee ). On XX/XX/XXXX, I was charged a late fee of {$12.00}. When I paid on XX/XX/XXXX, I was forced to pay through representative, thus being charged in essence a second late fee of {$15.00} I am looking forward to hear from you if you are able to help me with the issues with my account.
Consumer complaint received 2022-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (SC)

receiving fake dept and fake PayPal account. we do not owe or own this account it is fraud according to PayPal and Synchrony bank here it is the email i get every day for weeks now ...... fishing From : Synchrony Bank <XXXX> Date : XX/XX/2022 at XXXX XXXX  XXXX To : XXXX Subject : XXXX, Take action on your PayPal Credit account Reply-To : Synchrony Bank <XXXX> Account Ending In XXXX | Log In You missed a payment. Lets get back on track. 


Hi XXXX, Your PayPal Credit account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 

Your minimum payment due includes the past due amount of {$110.00}. 
Current Balance Minimum Payment Due Due Date {$4300.00} {$270.00} XX/XX/2022 Make a payment today or schedule a future dated payment by opening your PayPal App We're here to help XXXX Call us WeekdaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021, I disputed this account and it came back as if the responsibility is " Individual ''. The student loan is on someone else 's name. It doesn't belong to me. Furthermore, I never CO-SIGNED any student loan. So unless they can provide a document where the student loan is on my name, and in the case of a co-sign has my SIGNATURE, I want this account to be removed from my credit report.
Consumer complaint received 2020-04-04
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery is a debt collector that bought XXXX/XXXX XXXX The first call started on XX/XX/2020 phone number is XXXX at XXXX XXXX the town is XXXX Pa XX/XX/XXXX XXXX at XXXX XXXX XXXX Pa XXXX at XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX Washington DC XX/XX/XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX Not Valid ( XXXX is an area code for Puerto Rico ) XX/XX/XXXX XXXX XXXX XXXX  Pa ( coming up as not yet ) XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX XXXX IA As you can see not one of these phone calls are the same. When they do call and I dont answer the call the dont leave any message on my answering machine. My number is on the do not call list.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make an action to update the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-04-04
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-04
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the XXXX  file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (NJ)

I deposited a cashiers check on XX/XX/XXXX of a total amount of {$10000.00} to my wellsfargo saving account. My receipt stated funds would be available on XXXX/XXXX/23 and they were not. I went to the bank directly and teller informed me a second hold was placed on the check and that I would have to resolve the issue with customer service. I called customer service regarding the issue and was informed a message was sent to me via the app messaging system regarding the hold. I never received an email regarding a new message on my wellsfargo app or an email regarding the hold on the cashiers check. I spoke with customer service and they informed me there was nothing they could do to expedite the process or release the funds. 

My wellsfargo mobile app shows the funds in green as processed and does not state any message regarding the funds pending for any reason which is leading to confusion. 

I then had the person who wrote the check contact their bank ( XXXX ) and on their end they stated there were no issues disclosed with the account the check originated from and that the funds were released to wellsfargo on XX/XX/XXXX/23.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX  XXXXXXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  XXXX  and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}