davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

My care care account was closed XX/XX/XXXX for what the company called possible fraudulent use. I called synchrony XX/XX/XXXX because I had a notice saying I had a hold. They said it was because I changed my address, which was true. I verified my address and she told me the hold was lifted and I have no restrictions. I tried to use it today ( XX/XX/XXXX ) and was told it was closed. I called and was told there was suspected fraud and the entier account with a XXXX limit was closed. My account had not had any activity since XX/XX/2020 when I had made a payment of XXXX bringing it to a XXXX balance. No one attempted to use it and the company can not supply me with what the suspected activity was.. they told me " we can not discuss it any further with you '' This has adversely affected my credit score, causing me to lose several points due to the account closure. The company did not try to contact me and simply closed the account. There was no activity since XX/XX/2020. The only activity was when I changed the mailing address, which I did by calling in. I also have 2 other accounts with synchrony and they have not been closed to my knowledge. I changed the address on those as well.. all to the same mailing address.
Consumer complaint received 2019-11-07
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. (FL)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2017-07-08
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. (GA)

On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (FL)

The " said '' credit card ppl claim " I '' opened this CC. Which, I never I did. 
You can check my credit and my credit has been compromised, and I don't know why someone would do this to me anyway. 
I spoke to all 3 reporting agencies, and they directed me to speak Midland who have this acct. I asked for them to close this acct, bc I'm not responsible, but they keep nagging me that it is. 
They claim it was opened in XX/XX/2019, and I moved from XXXX to XXXX  on XX/XX/2019. 
Plz, help me. I don't know where else to go! 
They said I need some kind of affadavit? 
Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (WA)

I started a conversation with Mr. XXXX XXXX of NewRez, my current mortgage servicing company about refinancing my existing balance to take advantage of the current low rates for conventional  mortgages. This occurred back on XX/XX/XXXX of 2020. I subsequently received a decline letter dated XXXX XXXX, 2020 saying " Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for the disclosure of the nature of this information. '' On XX/XX/XXXX I sent NewRez a letter requesting this information. NewRez did not reply so I again requested by letter on XX/XX/2020 that they disclose the nature of this information. Again they have not replied.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (RI)

On XX/XX/21 I converted a bit over $ XXXX of Ethereum to XXXX and it only gave me $ XXXX worth. Then the price went from {$0.00} XXXX {$0.00} and I converted it back to Ethereum and then my portfolio had $ XXXX. I should have made XXXX % profit on the trade minus the 1.5 % conversions. I ended up losing > {$200.00} when I should have made ~ {$1000.00} and now it looks like I made money from the conversion since $ XXXX disappeared upfront for tax reasons. Help? 

$ XXXX ETH -> $ XXXX DNT conversion DNT went {$0.00} to {$0.00} in XXXX minutes. DNT total still only showing $ XXXX $ XXXX DNT -> $ XXXX ETH It should have been ~ {$3900.00} DNT * XXXX = {$5200.00} DNT -> {$5100.00} ETH
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (NY)

Credit karma consistently srates i was preapproved and was always denied. Each time causing my credit score to be checked and causing a decrease in score. Ontop of then receiving non stop offers for loans, credir cards, lower insurance and etc that just are not true.
Consumer complaint received 2024-01-26
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION (TN)

On the XXXX of XX/XX/2022, I transferred the sum of {$1000.00} to my brother using regions bank XXXX service. The money was withdrawn from my account but was never delivered to the intended recipient. I have made several calls to regions online, been to the branch ( Regions bank XXXX TN ) in person several times, exchanged several emails with a representative XXXX XXXX XXXX XXXX ) from the bank for almost 6 months and they havent refunded nor given me any useful explanation as to the whereabouts of my {$1000.00}. The last thing they did was to refer me to XXXX which is another institution that processes some of their transactions. I called the number and XXXX said they have nothing to do with Regions XXXX transfers.
Consumer complaint received 2021-11-17
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. (MI)

I am told today speaking to XXXX XXXX of XXXX XXXX XXXX at XXXX XXXX and that he received my fax of the XXXX XXXX deed and XXXX  deed that I told him each appeared to be XXXX XXXX XXXX and he agreed. Then I told him this is my loan and that I were conned by XXXX XXXX to move out around XX/XX/2008 and that one of his visits that he claim that he purchased the house for XXXX from XXXX XXXX he called the XXXX Police whom have since investigated and were produced an XXXX contract. 

I told him that XXXX is my XXXX loan and he said this is XXXX XXXX, I SAID I KNOW BUT XXXX XXXX SAYS HE BOUGHT THIS HOUSE FROM XXXX XXXX A LIE. 

XXXX XXXX was aware and I told him the one thing I have asked them for a XXXX times are the transaction and the title in which no one can produce including their attorney XXXX XXXX sent me by email that all the Judges prior decisions are the clear title. XXXX XXXX said that YES, XXXX XXXX has the clear title and we can't proceed on any transaction without clear title. I said well I been begging your clients to see the clear title and transaction and they all say that the XXXX deed is the clear title. You said the you don't agree with that and that you will mail me this evidence clear title and proof of the transaction before XX/XX/2008. I ask you could you also send copies of this to my complaints to the XXXX # XXXX and XXXX # XXXX AND YOU SAID THAT YOU WOULD.
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

They took my refund due to my student loans but I applyed for IDBR and it was approved on XX/XX/2018 so I thought that my loans were out of default and I am applying for a hardship because me and my XXXX children are being evicted, I have a shut off on my water and my d.p.l is about to be shut off. And I am no longer employed
Consumer complaint received 2019-11-07
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)

The fair credit reporting act states A CHARGE OFF should occur 180 days from the date of the first delinquancy.XXXX continually reported a charge off on my credit since XXXX, way past the legal limit .even though the balance was paid in full. 
Now they are reporting the account was closed in XXXX, more incorrect information ... ... Experian is taking their lead, AND WILL NOT AMEND, AND OR DELETE THE ACCOUNT FROM MY REPORT .The loan originated in XXXX, and ended in XXXX ... ..Once again it is paid in full ... ..XXXX IS ILLEGALLY RE AGING THIS DEBT! 
Now in XXXX the incorrect information remains on my credit and i want it removed, 11 years after the original date of inception.
Consumer complaint received 2023-01-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

PennyMac, my mortgage company, did not pay my hazard insurance policy. After making several calls to inform them that the policy was not being paid, they issued a payment on XX/XX/2022. The payment did not reach the Insurance company on time and my policy was cancelled. I am now responsible for getting a new policy. I would like to file a complaint to recover any and all penalties and fees I must pay to resolve this issue.
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC (TX)

I have been under contract to purchase since XX/XX/21. The Lender, Sprout Mortgage, has delayed the transaction multiple times. After receiving the contract, the loan was never disclosed. I have never received a Loan Estimate. It took weeks for the initial appraisal to be ordered. Now I have been charged for 4 different appraisals, none of which have been completed. I still have not received an actual appraisal report. Now they want to charge for a 5th appraisal, having only refunded 2 of the previous 4 charges. I have asked repeatedly for management to reach out to me and have not received a single follow up. I have emailed their info desk, asked my LO, as well as the account executive for managerial follow up and nothing. I have lost out on my earnest money, {$1000.00}, and am still waiting for the 2nd ( {$1200.00} ) and 3rd ( {$760.00} ) appraisal fees to be refunded. Sometimes the LO, XXXX XXXX, and processor, XXXX XXXX, will go days without replying to me. This really has been the worst mortgage experience ever. I hope no one ever has to be played with and defrauded like I have been.
Consumer complaint received 2021-07-01
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. (FL)

I am requesting to delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

When monitoring my credit I noticed that a Collections account from Ad Astra Recovery showed up on my 3 reports in the amount of {$6200.00} with the original creditor showing up as XXXX XXXX or XXXX XXXX XXXX. I have no information about this account or this amount of money that I supposedly owe. In XXXX, XXXX and XXXX of XXXX  my mail box was broken into 5 times even after changing the locks in the complex that I live. I had Credit Cards opened in my name that I took care of immediately and a Jewelry line of credit opened in my name that I took care of immediately. All which were identify fraud. I have never heard of this company and I did not take out this money. This is Identify Fraud and I would like this account removed from the 3 credit agencies. I have been disputing this account with them credit agencies for 6 months but it has yet to be removed.
Consumer complaint received 2021-03-26
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. (SC)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX/XXXX/2020, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

Creditor Credence RM reported a derogatory remark on my credit report randomly without proper notification of the debt. I had absolutely no idea the debt even existed when the company reported it. The derogatory remark hurt my credit score in a major way. I was not properly notified about the debt. Its such a small amount, I would have paid it if I were made aware. I contacted the company about not being properly notified and if they could remove it from my credit report and they said No. I was willing to pay the debt off, but I would like it removed from my report and the company refused. They could not prove to me their attempts notify me, but still refused to remove it from my report. The creditor is Credence RM and it was placed on my report on XX/XX/2020.
Consumer complaint received 2017-11-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

I took out an {$800.00} loan through Big Picture Loans. I spoke with a customer service representative on the phone before taking out the loan, and was informed that my total pay off of the loan would be a reasonable sum just over {$1000.00}. Once the loan was approved and the funds deposited to my account, the loan documents became available showing that they are charging me an interest rate of 697.0935 % interest and the finance charge is {$2000.00}, which I never would have agreed to had it been disclosed to me by the representative. Instead of the monthly amount of {$210.00} that I was made to believe would come out of my account, they are charging me {$210.00} every 14 days where nearly {$200.00} of that is going directly to interest. To date I have made two payments and have paid {$380.00} in interest and {$46.00} to the principal. This is an outrageous amount of interest and is illegal. For an {$800.00} loan, I will end up paying nearly {$3000.00}. I am fine to pay the remainder of the original loan with a legal interest rate. However, I will not continue to pay an illegal amount of money to a company that is scamming people. I have been researching this company and have found that there are numerous complaints about this illegal activity.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

I am disturbed that you continue to report the dismissed bankruptcy as confirmed within my credi fiile. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for 10 years, the Fair Credit Reporting Act says nothing in srction 1681c relating to bankruptcy about dismissed or filings. The law clearly states from date of adjudication or date of order of relief. 

Any case civil or otherwise, which is dismissed no longer exists, in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681a5 of the FCRA you must delete this information from my credit report and send me a new copy right away.
Consumer complaint received 2024-05-28
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: BARCLAYS BANK DELAWARE (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear BARCLAYS BANK DELAWARE, I am writing to address a serious concern regarding the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), North Carolina XXXX XXXX Protection Act, specifically Chapter XXXX of the North Carolina XXXX XXXX. It has come to my attention that BARCLAYS BANK DELAWARE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a necessary requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Furthermore, North Carolina XXXX XXXX, particularly Chapter XXXX of the North Carolina XXXX Statutes, reinforces the requirement for consumer consent for credit reporting. This legislation aims to protect individuals from identity theft and unauthorized use of personal information. I assert with certainty that I have not provided consent for BARCLAYS BANK DELAWARE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in clear defiance of federal and state laws. I demand that BARCLAYS BANK DELAWARE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Chapter XXXX of the North Carolina XXXX Statutes. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including North Carolina XXXX XXXX protection laws. Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. I expect immediate attention to this matter and urge BARCLAYS BANK DELAWARE to rectify these violations promptly, respecting my rights under federal and state laws.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (FL)

never went to hospital someone used my name i filed with ftc i called and told them this they dont stop i dont owe this not my debt they call me harrass me telling me there putting me in jail cal me at XXXX
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Dear Sir or Madame, I filed a complaint/action with Coinbase approximately XXXX for potentially fraudulent activity on my account. Coinbase locked my account. I eventually was able to access the account, but it had a {$0.00} balance as of XXXX. On XXXX, I had a balance of approximately $ XXXX. Coinbase allowed the money to be removed three ( 3 ) after I reported fraudulent activity resulting in a {$0.00} balance. The issue has not been resolved and frustration continues. They have not made any attempts to replace the funds. 



Thank You in advance. 



XXXX XXXX