davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (MN)

SYNCB/PPC appeared on my credit report when checking online credit report via XXXX XXXX website. Upon further research this is paypal. While it is true that I have an paypal account I never signed up for the credit card portion of the site. 

It is listed as being opened on this date but ive never seen it appear until just today XX/XX/XXXX when checking my report. I check it monthly usually. 
XX/XX/XXXX ( 3 yrs, 10 mos )
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (OK)

One word describes this bank best : INCOMPETENCE. Let the facts below -- describing Synchrony 's misconduct in-detail -- establish the case : I have stellar credit. Earlier this year, I allowed Synchrony to open two retail credit card accounts, which they did instantly with no issues. I make regular purchases and pay those bills every month. They know who I am and the fact that I pay my bills timely. 
Around the XXXX of XXXX, I received a pre-approval for another Synchrony-managed card. I accepted the offer and Synchrony sat with the entire thing in a " pending '' state and did not update or communicate with me whatsoever. Annoyed by the lack of any action whatsoever by Synchrony, I called and went through their menu funhouse and waited on hold forever. 

When I finally reached an agent, she looked over everything and said they had a problem verifying my identity and asked some questions. I asked why they had identity issues when I am a current customer and have the same exact information on-file? She sent a verification text to the same phone number on my other Synchrony accounts and I read it back to her. 

She then stated I would hear back from them, which, to this day, has NEVER occurred. 
Thus, it appears that the incompetent people within your company either 1 ) are scared to deal with me, even though I am a CURRENT CUSTOMER with regular charge/pay activity ; or 2 ) your people are incompetent and can not perform the duties to which they are tasked. 

I've suffered damages and have been subjected to the run-around and other abusive and unwarranted conduct by your Company, not to mention irreparable harm to my credit report as a result of your negligence and misconduct. You are advised of these facts and have been messaged further detail privately.
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

We were sent a letter dated XX/XX/XXXX from our previous mortgage loan servicer, XXXX XXXX XXXX. The letter indicated that service was being changed to XXXX XXXX XXXX on XX/XX/XXXX. The only information we have received on XXXX XXXX is a mailing address and phone number. This is our second new servicer in less than 18 months since refinancing our mortgage. 

It has been customary that previous servicers provide temporary payment coupons plus a new account number for the loan. There has also generally been a welcome package sent by the new servicer during the transfer period. None of this has been done by XXXX XXXX. 

According to XXXX XXXX XXXX automated system, it takes 5 days to upload our information from the previous servicer to theirs. When I called today, I was told it takes 7-10 BUSINESS days with no explanation as to why it takes so long. XXXX XXXX indicated that the upload is electronic and would not explain the delay. 

During this transfer process, we had been refinancing our HELOC. As part of the process, we agreed to use the HELOC to pay off the balance of our mortgage. Now that the HELOC has closed, our bank is unable to get a payoff amount either from XXXX or from XXXX XXXX. As a result, we are being forced to pay daily interest for no reason. It is as though our mortgage does not even exist at this time! 

Both servicers say there is nothing they can do. This is unacceptable. For any interim period, the consumer should have the right and ability to obtain a payoff amount on a mortgage and make the payment accordingly. Otherwise, the loan servicer has no incentive to upload information in a timely manner. The mortgage details must be available SOMEWHERE during the transition. 

Finally, one of the servicers should be held responsible for forcing us to pay daily interest when it is not necessary. This interest should be WAIVED during any interim or transfer period. 

It is clear to us that servicers do not want our loan since we have been paying down the balance and now wish to pay it off in full. There should be restrictions on how often a loan can be sold and serviced by a different company. Otherwise, abuse like this is allowed to occur on a potentially wide scale.
Consumer complaint received 2018-08-07
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch? -dismissed Ref XXXX ( XXXX , XXXX ), Bankruptcy ch XXXX- dismRef XXXX ( XXXX, Equifax ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, Equifax ) , Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, Equifax, , XXXX ) , XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XXXX, Equifax, , XXXX   ) , XXXX XXXX Acct XXXX ( equifax, , XXXX, XXXX   ) , XXXXXXXX XXXX ( XXXX, Equifax, , XXXX ), XXXX XXXX XXXX ( XXXX. Eq, XXXX ), XXXX. XXXX XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

this company did not respond to me in a timely matter I wrote them requesting an investigation into items that I believed were INNACCURATE I havw not received a reply from them or any acknowledgment that an investigation has begun. In my previous request
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Capital one keeps sending me false advertisements of pre approval. They pulled a soft inquiry on my credit report to gather the info. Then send me multiple advertisements saying ive done been approved for a loan between XXXX and XXXX dollars. Then when ya wan na see what the amount is. They tell you that you havent been and there is no amount ir pre approval. The flyer doesnt say i could be approved, it specifically states ive already been approved. But thats a lie. Also ive told them several times to not contact me. I went through the opt out procedure and sent a cease and desist letter. Theyve ignored it. I am not a customer nor do i have dealings with them or their affiliates. This advertising is a lie and completely false. The only parameter i matched was living within XXXX miles of the dealership which they said was all they required. There was no preapproval or even an attempt to see. Nothing on this flyer leads to the thought that i am not approved. It actually tells me verbatim " you got the green light to purchase the vehicle you want with preapproved auto financing ranging from {$4000.00} to {$55000.00} through capital one '' and i receive this offer weekly for various dealerships. This is a lie and blatantly false. This type of advertising has negative consequences as most actually are not going to be approved at all and then the dealerships going to run multiple inquiries on the report causing a drop in credit score all because the consumer was told and led to believe they are approved. Its dirty and false and needs to be stopped.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (PA)

I did not authorize XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2033 XXXXXXXX XXXX XXXX inquiry Date XX/XX/XXXX  to run my credit, this information is incorrect.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I signed up for free credit reporting on XX/XX/2019 on the Transunion.ca website. I accidentally made two accounts because there website shows that my account was unsuccessfully made. In both accounts, I added my credit card information. A day after the creation of the account, I received two bills that are pending on my credit card, which are both {$19.00}. I tried calling them to cancel my account but I could not get a hold of them. Additionally, at the creation of my accounts, they are supposed to send me an email confirming the creation but they never did.
Consumer complaint received 2022-04-06
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. (TX)

I wrote the company XX/XX/2022 stating the XXXX XXXX account is incorrect I was never late on that account. I asked them if they cant verify the late payment remove them.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Numerous times i have contacted trans union to dispute the mortgage companies on my report. XXXX  mortgage company and XXXX mortgage. They failed to provide me with any verification on these accounts. So at this point, they are going against the fair credit reporting act. I do not have a mortgage with these companies. I want this incorrect information deleted immediately. Because it is effecting what i need to do in the future. Please remove this.
Consumer complaint received 2021-09-17
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: Early Warning Services, LLC (VA)

Someone opened up an account using my SSN to get bank accounts over the years and it has affected my banking situation and reporting. The following banks I have never opened an account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Now XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Now XXXX )
Consumer complaint received 2020-11-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harley Davidson Financial Services Inc (FL)

On XXXX XX/XX/2016, i had a loan and my balance Amount was {$11000.00} thru Harley Davidson Co. I voluntary surrender my vehicle due to financial hardship as XXXX veteran. The company sent my account to 3 credit bureaus as bad debt, charge off the comments was Profit and loss write off. It's unfair for me, of not getting approved to get an apartment because the credit bureaus refuse to delete my account because is verified and accurate.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 +  Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (UT)

I applied for a Home Equity Loan with Key Bank starting in the middle or end of XX/XX/2019. I have had many frustrating moments throughout this experience but I will only highlight the primary complaints because they are the mistakes that led to my withdrawal of the application and have negatively impacted my financial options 1. I was misquoted on the rate multiple times ... both over the phone and via email. 
Ultimately Key Bank decided to honor the rate that I was quoted, but honestly it feels like they have intentionally tried to make the process difficult so that I would withdraw my application. 

2. Call after call after call ... .asking for the same items that had already been submitted. Tax and insurance info, employment verification, prior appraisal information ... .just to name a few. I do not mind providing any of these items but to keep asking for them is very frustration ... .there is very poor inter-department communication with Key Bank . 

3. I was misquoted on LTV ... .several times, over a period of several weeks. I was told by more than one individual that " because of your good credit and income we can offer you 90 % LTV. This was a critical piece of information because my appraisal came in lower that expected ... the higher LTV was going to make my request make sense for me financially. I would understand if it was a one time occurence that somebody got it wrong but it was multiple conversations. Fortunately Key Bank records all of their phone calls ... so this should be easy to verify. Again ... .this is a misquote on on their underwriting criteria ... not my mistake. I moved forward on the application because of what they were offering. Ultimately, I was misled by Key Bank employees, my initial application was submitted understanding that their guidelines were 85 % LTV ... however they told me that they could do 90 % ... I did not ask for that. I think they should stand behind their offer.
Consumer complaint received 2018-07-16
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. (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services (CA)

In XXXX of 2019, a drainage issue caused water damage to the apartment I'm renting. 

By May, my landlord 's insurance provider, XXXX  XXXX XXXX ( XXXX ), resolved the issue and claimed my wife is liable and therefore responsible to pay for the full cost of the damage. 

By XXXX, I had requested both an itemized list of charges and a copy of the insurance policy from XXXX and ultimately disputed the liability claim and subsequent debt collection attempt by XXXX that amounted to about {$15000.00} dollars. 

Months later, in XXXX, I received a call from a debt collector named XXXX XXXX representing Sequoia Financial Services ( SFS ) ( presumably representing XXXX  ). 

By XXXX, I repeated my request for a copy of the insurance policy, this time to my landlord directly. She said she would speak to her broker and I never heard back from either of them. My landlady also informed me at that time that XXXX had tripled her premium causing her to search for new providers. 

In response to multiple calls and letters from SFS, and in good faith, I responded to SFS by sending a written letter via certified mail asking for the following : 1. an explanation as to why we owe the debt a. this included a request for documents including but not limited to the XXXX policy that covers my landlord 's property 2. how much they intend to collect and how they came up with the amount to collect a. this included a request for an explanation of how the debt was created as well as an explanation of how any interest, fees, or any other charges are permitted by law. 

Months later, rather than making an effort to explain the burden of debt in a written response, they decided to call me in what I can only imagine is an effort to further intimidate me and convince me to pay them in full, with interest and without question. 

XXXX couldn't get what they wanted, so they asked XXXX to bully me  and when the front line case worker ( XXXX XXXX ) couldn't handle my request for information, it was escalated to a manager named XXXX who called me and gave rise to this complaint. 

I have responded with a voicemail message reiterating my request for information.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a transfer by XXXX of XXXX dollars on XX/XX/2023, XXXX days later they deducted it from my account, alleging the bank that it had been reported as fraud and that I account was being closed, that I could not be a customer of XXXX XXXX neither now, nor in the future, that they made an alleged investigation, Something that does not coincide since I as a client were never protected, all the data I provided and told them that I had proof and with everything and that they decided to protect the other gentleman
Consumer complaint received 2020-10-13
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: EQUIFAX, INC. (FL)

I have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX County where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I was a victim of the XXXX breech so as a prudent measure I decided to freeze my credit and my wife 's credit with the three reporting agencies. The only one I've had a problem with is Experian. I was somehow enrolled in the program XXXX XXXX XXXX for {$24.00}. They make it extremely difficult to cancel and force the customer to call the agency and remain on hold for long periods of time. They would not refund my money, forcing me to dispute it with XXXX. There is a much simpler way to Freeze rather than lock a credit account that is a different web address than the membership. Having spent 10+ years as an XXXX XXXX, I believe this is deceptive.
Consumer complaint received 2021-07-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (CA)

The second Mortgage did and illegal foreclosure sale on XX/XX/2021 2 bidder bided and not one at this date own my property but me and I am in limbo about this mortgage company State Bridge it only had my note for 0ne year, just because it change servicer hands from XXXX XXXX up to now I do not know at this time what action to take I have being residing, in my home for 20 years + their has been many complaint about this company State bridge wrongfully foreclosing illegally on the second mortgages of other their should be and open investigation asap.. 


Sincerely Yours Concerned Client
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.