davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED BANKSHARES, INC. (WV)

I have a HELOC with United Bank that was originated approximately three years ago. I am now trying to refinance this loan with a greatly reduced interest rate ( less than half the interest rate on the HELOC ) On XX/XX/XXXX, at XXXXXXXX XXXX, I called United Bank to request a copy of the Note and Settlement Statement from my HELOC as this information has been requested for underwriting the new loan that I have applied for. I explained to the customer service representative ( I believe her name was XXXX XXXX the reason for my call and she promptly placed me on hold. After being on hold for about twenty minutes she returned to line, informed me that the person I needed to speak to was out to lunch, and that she would have this person return my call. 

After not hearing from United Bank, I again called on XX/XX/XXXX at XXXX XXXX  and explained that I had already called once, that this was an urgent matter and that I needed the copies of the requested documents. I was again put on hold for some time when the customer service representative returned to line and said that she would have the original customer service rep that I spoke with call me back. I still have yet to receive a return call from any United Bank employee. 

The Note and Settlement statement from United are the only items needed to finish underwriting my new loan. It is extremely frustrating that United has failed to respond to my request for these documents. This is extremely poor customer service and most unfair. Each day that I am delayed from closing my new loan is costing me an excessive amount of money. 

I would be grateful if you would contact United Bank for me and provide assistance in resolving this issue.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I am filing this complaint in response to the complaint my daughter filed on my behalf, complaint # XXXX. I would like to have a response on what the alternatives are available please. The last letter I received from Wells Fargo stated that the house was in active foreclosure state. Prior to that I received a letter stating that they were still reviewing documents. 
Please any updates. Looking forward to working with Wells Fargo to resolve this matter. Thank you
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

The record on my credit report by SYNCB/BELK shows as " Paid, Closed/Never late. ( XXXX ) XXXXPublic Record '' I have already sent a written certified mail letter along with my valid Government issued IDs, utilitybills, my W2, cvto XXXX. But the items still is in my report. The Belk and XXXX  did not correct it. Following detail is aboutSYNCB/BELK reporting inaccuratelyand XXXX  maintaininginaccurate information in my credit file. 

My creditis hurting with inaccurate information as a result. This must immediatelybe corrected Details : 1. I have not and never opened a credit card account with this company at all. The item in my credit report shows a Paid / Closed Never late public record. And the account is closed. It is inaccurate information that is hurting my credit. 

2. The company also reported my address incorrect - a post office address XXXX XXXX XXXX XXXX, GA XXXX. 

I do not and have never lived at the post office address. XXXX  did not correct this information as well. Also Belk did not correct this information as well. This inaccurate information is hurting my credit. 

3. My name is also reported incorrectly - XXXX XXXX XXXX Name ID # XXXX Report Number XXXX XXXX XXXX Name ID # XXXX Report Number XXXX
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have this Paypal Mastercard since XX/XX/XXXX, the mailed agreement says there is NO FOREIGN TRANSACTION FEE. 
In XX/XX/XXXX I have booked flight tickets and hotel abroad and the FEES were charged as 3 % over my purchases. I have called Paypal Mastercard on XX/XX/XXXX, they said they changed the agreement rules and I should be aware the foreign fee were 3 % now. 
I have NEVER received the new agreement, so I want the fees waived from my statement, here is breakdown ; FOREIGN TRANSACTION FEE {$58.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$49.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$36.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$29.00} XX/XX/XXXX Total Charged over Foreign Transaction Fees : XXXX USD
Consumer complaint received 2021-02-06
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. (DE)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : The Credit Bureau did not remove anything please remove accounts
Consumer complaint received 2021-02-06
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: CITIBANK, N.A. (NY)

Citi Bank made a hard inquiry on my XXXX  credit report on XX/XX/2020 without my authorization. When I called, they said they did not make such a pull but XXXX has since confirmed it was them. Its their name and address. I have researched and found others online complaining of the same behavior by Citi Bank.
Consumer complaint received 2018-02-13
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: Navient Solutions, LLC. (CA)

Fraud scams using radio station show using XXXX and XXXX   Fraud scams using XXXX XXXX Fraud scams using XXXX XXXX XXXX XXXX workers using XXXX and cooking class XXXX XXXX XXXX. Federal not authorized and federal not authorized. They frauded my grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Frauding scams using colleges lectures in XXXX frauding my grandma Fraud scams using my documents in XXXX XXXX XXXX XXXX Illinois frauding scams using XXXX XXXX scams using XXXX XXXX XXXX XXXX XXXX in XXXX Illinois Federal not interested in the state of Illinois and federally refused to marry into Illinois State family Illinoise states also pulled XXXX business permits scams Frauding scams using XXXX XXXX Frauding scams using using XXXX advertising using my documents in XXXX Illinois frauding scams scams using using media scripts and media groups federal not authorized Fraud scams using XXXX University students frauding my documents and text books and text books credit Frauding scams using American XXXX colleges students Frauding scams using XXXX XXXX and XXXX and XXXX scams Fraud scams using XXXX XXXX in Florida Frauding scams using professor XXXX using XXXX pages frauding scams frauding my documents Frauding scams using colleges leacture using my documents, federal not interested
Consumer complaint received 2021-02-06
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. (TN)

Hi, my name is XXXX XXXX and all three bureaus are reporting my address as New York I have never lived in New York ever. Please delete this address off of my report. I have been a victim of identity theft in the past. My address is XXXX XXXX XXXX XXXX, XXXX TN XXXX, Thank you.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IA)

Venmo locked my account on Tuesday, XX/XX/XXXX, on suspected fraud ; the account remains locked at 7 attempts to rectify the situation through online support, submitting documents ( driver 's license, etc. ) I am unable to transfer the {$390.00} in my account to pay bills. I counted on this money to pay off charges due. 

The automated system would send a code to unlock my account, however, it was delayed at times by more than 5 hours - the code had expired by the time it arrived via email. 

This highlights the larger problem : the company does not have a phone number for live technical support, review fraud, and activate accounts. The company is unresponsive via live chat. 
My Venmo account is : XXXX XXXX
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX while at work I received a notification from chase that {$2500.00} had been moved from the savings account to the checking account and withdrawn via check. Within a few minutes I called chase to open a claim and make an appointment to meet a representative and change my security credentials. I was told my debit card was used as the only proof for the withdrawal this debit card was a replacement sent by mail that I never received. A few days later I went to chase to change my pin and close my savings account and have a new one. My first claim was denied due to lack of documents, s I reopened it and provided a police report as well as a sworn notarized affidavit. I thought after this my money would be refunded but it was denied on the grounds that the chase where the withdrawal happened was in my geological location, which did not make sense since this chase was a small booth in a supermarket 2 hours upstate. I later visited this chase to try to get access to their security footage but was not able to. I have tried to appeal the claim multiple times but after faxing the documents to chase I am told they did not receive them time and time and I feel they simply do not want to help.
Consumer complaint received 2021-02-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

It has been 4.5 months since the request for investigation of verification and accuracy of data stated in my report on XXXX XXXX filed with Equifax. The investigation has been opened on XX/XX/2020. Yet, there is no result on reporting, documentation, or any verification of the ownership or debt. Instead, Equifax keeps giving runarounds and damages credit score. My other credit reporting bureaus managed to correct the problem. Not Equifax. 

However, Equifax continues keeping inaccurate information that hurts my FICO score. It prevents for renting or buying a property. 

According to the 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( C ), the 30-dayperiod described in subparagraph ( A ) may be extended for not more than 15 additional day sif the consumer reporting agency receives information from the consumer during that 30-dayperiod that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

There has been no account with XXXX or its relation. In this case I demand interference of CFPB to enforce the rules on Equifax to delete an unverifiable account. The compliance is overdue in accordance with Federal Trade Commission ( FTC ) rules on the FairCredit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

In early XXXX I tried to lift my security freeze with Equifax to pay the power bill at a new house. The online system locked me out for no apparent reason ( despite the fact that I entered the 10 digit pin Equifax gave me when I initiated the freeze. ) I called, but the company declared that they could not be sure I was me. I needed to mail or fax my proof of identification. In late XXXX I mailed them a letter attesting that I was who I said I was and asked them to lift the freeze. In mid XXXX I received a form letter which did not address the issues raised in my letter and demanding that I mail them a my name and social security card. Despite calling multiple times to protest that this was insecure, they insisted. So in XXXX I mailed them another letter with a photocopy of my drivers license and social security card, in black and white, front and back as they requested. I called after two weeks and again after four weeks. Equifax assured me that such letters were processed within 5-10 business days, but they had no record of receiving my identification. Now I am to fax them a copy another letter, another copy of my drivers license and social security card. They tell me it will take up to 10 days to process even a fax. After four months I still can not log into the online system or get my credit freeze lifted. I have been unable to pay the power bill at my home or refinance my mortgage because Equifax won't deal with me to lift the security freeze. After 3 letters and more than a dozen extremely frustrating phone calls, I can not do business. 

Equifax is not a company with which I have chosen to do business. It is not a government office which would have some accountability. It is a private company with unreasonable power and leaves Americans with zero recourse to, " I'm sorry ma'am. We can not help you at this time. ''
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My home was illegally foreclosed on by NationStar Mortgage. Prior to the foreclosure NationStar made numerous errors. These errors were brought to light by the memorandum of understanding dated XX/XX/XXXX by the DOJ and the United States Trustee. Our loan was transferred to NationStar in XXXX by XXXX XXXX XXXX. Prior to the transfer to NationStar my Wife and I applied for save your home California.The monies we disbursed to save our home and they collected the funds and still foreclosed on our home. 

There is definitely fraud going on here! 

Please Help Us! 






Loan # XXXX
Consumer complaint received 2021-11-04
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. (MI)

The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX response to CFPB ( page 13 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 10 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) WF was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; XXXX. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 19 - 20 ) Thus, XXXX improperly billed and reported inaccurate payment history to the XXXX and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX. 

The situation that transpired is one in which XXXX 's failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules led to the following harm : 1. Invalid derogatory CO status for XXXX, because invalid processing of forbearance and subsequent deferment resulted in billing and accounting irregularities from XXXX XX/XX/XXXX thru present from, progressing from initial thirty ( 30 ), to ninety ( 90 ), to one-hundred twenty ( 100 ) etc., until the account was charged off without me ever receiving a single bill for periods of deferment, and without receiving revised bills when the disaster forbearance was retroactively applied on or around XXXX XX/XX/XXXX 2020
Consumer complaint received 2021-02-05
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. (TX)

I sent a request to Equifax Information Services, LLC and XXXX  XXXX XXXX XXXX  XXXX to have various discrepancies on my credit reports properly investigated and to have my information updated on XX/XX/2021 and never received any notice of such investigation from either company. I went online to their websites on XX/XX/2021 and attempted to dispute the information that way and they both are claiming to still be investigating. My credit reports are still very inaccurate and it is preventing me from getting decent credit offers and opportunities as I am currently in the process of refinancing my mortgage.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX XXXX/XXXXN in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX STORE CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Consumer complaint received 2022-08-22
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)

In accordance with the Fair Credit Reporting Act TXXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section XXXX it also states a consumer reporting agency can not furnish an account with out my written instructions. XXXX XXXX XXXX XXXXi has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX Funding, all XXXX are showing on my report with the same Account Number XXXX
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (IL)

I purchased a US Bank XXXX prepaid card at a local grocery store on XX/XX/XXXX. Days later, when I tried to use the card, my transactions were getting declined. I went online to check the card status and its balance to make sure it was activated correctly and saw there were several unauthorized charges on the card already ( without my knowledge ). I immediately called US Bank customer service number on the back of the card ( XXXX ) to file and report and dispute the charges. I was asked to faxed in the following information : front & back of the card, my first and last name, my address, and my phone number. I included those info plus the purchase receipt as well as my photo ID and faxed them to ( XXXX ) XXXX as requested. The card was immediately locked and no further use was allowed. Afterward, I did not hear back from US Bank on when would I receive a resolution to the issue nor when I would receive a replacement card as promised by the phone representative. Several months later, on XX/XX/XXXX, I called US Bank customer service number again to inquire about the case. The customer representative at this time told me that they did not get a response from me so they closed the case. For the record, I was not contacted by US Bank either by phone or by mail even once after my faxing of the requested documents above. Then I was instructed to fax my info again to a different fax number ( XXXX ) XXXX, the Lost and Replacement Department I believe. I promptly did so on the same day. However, about a week later, I received a voice mail coming from US Bank saying that I'm not eligible for a replacement with no clear reason given. To date, more than 4 months after my purchase of the product, I still can't use it and I'm out of the original purchase price.