davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
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 (CA)

Bait & Switch On XX/XX/20 I applied for credit with Synchrony Bank ( XXXX ). 

During my application process, I was never informed, nor did I consent to creating a video as part of my application process. 

This is a serious.violation of my privacy. 

In addition, I now suffer from a hard inquiry on my credit report which adversely affects my credit rating. 

Had I known that Synchrony Bank would invade my privacy by requiring a video of myself as part of the application process, I never would have applied. 

I hold them responsible for the hard inquiry that is now placed on my credit report.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper, aka Nationstar Mortgage XXXX, charged an additional amount to escrow on my latest mortgage payment. I contacted them to inquire what the charge was for. The person said that I was being charged for an insurance policy that they opened by force on my behalf because my current insurance company, XXXX, had ignored their requests for a copy of my policy twice. 

I did not choose Mr. Cooper as my lender. My loan was sold to them without my involvement, as is often the frustrating case. They contacted me when they took possession of my loan and then reassured me that I needed to provide nothing. They had everything up to date. 

The person on the phone first said that they had no record of insurance, later said that XXXX never responded, and made the final statement that XXXX said I didn't have a policy. None of this made any sense to me. 

I recently received letters asking if I wanted to buy a policy from Mr. Cooper 's insurance partner. I ignored the letters because they looked like advertisements. Earlier this month I received another letter saying that they had purchased a policy on my behalf- for three times the amount of the policy I currently have. They now say that I have to pay for the premium since XXXX because they didn't have the documentation from my insurance company, XXXX. 

I am at a loss as to how to recover the costs and why they were not required to contact me in any other fashion than a letter that looked like an insurance advertisement. I feel like I was tricked into ignoring it and charged a massive uncharge through their own insurance partner.
Consumer complaint received 2020-09-17
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. (VA)

I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/21 I purchased 2 handbags from an online site in the amount of {$320.00}. I was not aware that the site was a scam. The handbags were received and were counterfeit. 
On XX/XX/21 ( after disputing with XXXX ) I contacted my credit card company, Chase. The Customer service representative informed me that if I could prove that the bags were indeed counterfeit I would be able to get my money back. 
On XX/XX/21 I faxed 20 documents to the dispute department at Chase. These documents included authentication from the handbag designer that the bags were indeed counterfeit as well as all of the email exchanges between myself and the retailer attempting to return them because they were counterfeit, copies of my receipts and photographs of the fraud site. 
On XX/XX/21 I contacted chase to follow up and was told the case was still under review On XX/XX/21 I contacted chase again and was told my original documents had not been received. During the same phone call the documents suddenly appeared but are still under review. 
On XX/XX/21 I contacted chase again at which time they told me I was missing documents. It was clear to me at this time that no one was in fact reviewing my case because all of the information was included in the original 20 pages I faxed on XX/XX/21. I was told to write a letter outlining all of my attempts to get this resolved and resend the 20 pages of documents along with it. 
On XX/XX/21 I contacted chase again and spoke to a supervisor named XXXX. I was told that I waited too long to prove the bags were counterfeit. And I was outside of the 30 day window. At which time I explained that I had sent those documents to chase on multiple occasions, the first being well inside the window. The supervisor said he was sorry but theres nothing more that they could do. 


My documents were sent in the allotted amount of time and my case was mishandled. Now I am suffering the financial consequences due to repetitive errors and cover ups by Chase.
Consumer complaint received 2017-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

I recently pulled my Credit Report from all three of the credit reporting agencies ( XXXX XXXX XXXX XXXX ) a have noticed a collection from ERC that was placed on my report on X/XX/2017. It states that they are collecting for a XXXX account in the amount of {$1200.00}. I have never had an account with XXXX and I also have never had anything with ERC either. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt and false debt that ERC placed on my report. I filed a compliant with the Better Business Bureau and ERC sent an email to email address that was on the compliant asking me to enter personal information to see the message. I did not. They also sent in the mail what looks to be an old phone bill with my personal information on it. They have yet to provide me with a signed contract with my signature. They are asking me to fill out a fraud form with XXXX. I will not do anything with this company because they have yet to provide me the documents that say i owe this debt. This account has been disputed and ERC refuses to remove from my credit reports. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must delete.
Consumer complaint received 2020-09-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CORELOGIC INC (GA)

CoreLogic Tax Services, LLC sent a letter with Case Number XXXX. It claims that they inadvertently reported our property address to the mortgage lender they service resulting in the payment of our property taxes. Further stating that these funds were considered a duplicate payment and refunded to our lender/servicer. Therefore that we received a refund and that they are requesting reimbursement in the amount of {$6700.00}. 
They asked that a check or money order be sent to their XXXX  XXXX  at XXXX XXXX XXXX, XXXX, TX XXXX or paid at https : //bill pay.corelogic.com The transaction showed their date of payment as XXXX2020 and cashed by the recipient on XX/XX/20 per the Check Image Provided. Whereas we received the refund in question on XXXX2020 thereby making their story invalid.
Consumer complaint received 2017-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

Experian is listing an account as XXXX XXXX. The number they gave me to verify is not even to XXXX XXXX. The information that they are reporting is incorrect yet they refuse to remove it. XXXX re-investigated my dispute and it is listed as an account in good standing, paid as agreed with XXXX terms. I am attaching proof that Experian is not validating or verifying the account with the correct vendor. They are liars and have continued to keep XXXX XXXX as a negative account even when the other two agencies a have either deleted it or updated it as paid as agreed and no late pays because it was never late. Now that I have the proof that I need if Experian does not delete the account I will be suing them and asking for the courts for a XXXX fine per the FCRA
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have disputed three times with XXXX and equifax that XXXX has a secondary account reporting to my equifax credit report. I also recently sent out a 609 letter via certified mail. I only have one account with XXXX. This account has a high utilization and is bring my credit score down. The amount on the account is {$250.00}. This in incorrect. The incorrect account was last reported on XXXX XXXX, 2017. The account contains 5 missed payments as well. I would like this account removed. My target account that I own has a reporting balance of {$0.00}.
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (WA)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information. I have included my previous disputes since they have been sent 3 times with no responses.
Consumer complaint received 2020-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

Dear SOURCE RECEIVABLES MANAGEMENT, I am a victim of identity theft, and I did not make open the account in reference. I request that SOURCE RECEIVABLES MANAGEMENT remove the account and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AE)

I moved overseas in XX/XX/XXXX, and sent to Navient a reqeust for deferment, which was processed until XX/XX/XXXX. In XXXX I sent in new paperwork, along with updated address. I indicated that I did not have a US phone to be contact at. Rather than respond to my email attempts seeking assistance and confirmation of the paperwork being mailed, the company has been outright harassing my parents, until to 15 calls daily. How this happened is beyond me ; I do not reside with my parents ( for over 15 years ), and they did not sign for my loans. The law says that Navient is only allowed to contact them one time, unless agreed to more contact by my parents. Navient has now sent me an email stating that my loans are 8 months in default even though I was in defferment until XX/XX/XXXX. They are uncooperative and in general behave with harassing attitudes.
Consumer complaint received 2023-01-28
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. (GA)

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

I have included the identity theft reports.
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (FL)

I decided to refinance my vehicle with Westlake Financial. I received payoff check from XXXX XXXX overnighted to Westlake Financial. Westlake received on XX/XX/XXXX I called to verify. Representative told me that check had been received and to call back after XXXX of XXXX weekend to verify it had been processed which I did. The 2nd Representative told me she couldn't verify it was received after a week of going back and forth with Westlake I  stopped payment on the XXXX and mailed the payment off again. This time I kept the tracking information because after confirming the original check was received I discarded the tracking number. During this time I have been charged XXXX a day of interest and been giving misinformation from Westlake. Account number was written on original check because I wrote it and mailed it off. Check was not received XX/XX/XXXX it was received XX/XX/XXXX per tracking number.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 XXXX 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 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (DE)

My lender is asking for documents that dont exist, such as property insurance bill which is handled by them ( lender ) and I do not have, as well as the fact that they asked for documents on XX/XX/XXXX and set a deadline for XX/XX/XXXX not nearly enough time for me to send all documents requested.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WA)

Hi, This issue is with regards to Wells Fargo savings account. 

I was charged a fee of {$15.00} for going using my savings account to make 7 withdrawals. Apparently, I am only allowed to make 6 withdrawals ( even though its my own money Im accessing ). I was not informed of this when I was basically pressured into opening a savings account ( Im sure you are aware of Wells Fargos deceptive account policies ). 

I would like my money back for a rule I was not informed about nor warned about ( and frankly this rule shouldnt exist at all! ). 

Thank you XXXX XXXX
Consumer complaint received 2020-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

I bank with SunTrust, while I am aware of excessive transfer fees from savings to checking the current situation in the economy sort of has things uncertain. Due to that I had to make several unplanned and ultimately unexpected withdrawals. It egregious for big banks to be taking up fees on consumers in the mixt of a global health concern with many states being in a state of emergency. I'm sure banks will receive kickbacks, funding and other breaks in the stimulus bill so for banks to continue to charge excessive fee withdrawals when the entire country is in a pandemic is bad business.
Consumer complaint received 2018-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In recent days, a collection agency named Portfolio Recovery has reported a collection account on my credit report. The Fair Debt Collection Practices Act states that a collection agency is required to provide me with a 30 day notice prior to reporting a debt on my credit file. The collection agency did not follow this protocol, and just reported the debt without contacting me, nor giving me an opportunity to answer for it.
Consumer complaint received 2018-04-02
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. (CA)

Equifax is reporting a specialized collection with XXXX XXXX  XXXX. I disputed this with all three credit bureaus, but Equifax is the only one still reporting it. This account is not mine, and I have been trying to get it removed.
Consumer complaint received 2018-07-12
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. (GA)

XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXXXXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXXXXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies