davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

Starting in XXXX FlagStar Mortgage added a {$30.00} Fax/Email fee to my mortgage with no explanation. They should not be able to add fees for no reason as I have always paid my mortgage in full on time and provided no explanation for the fee.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

Creditor : XXXX XXXX XXXX XXXX Collection Company : CREDIT COLLECTION SERVICES I purchased the insurance policy for XXXX. They asked me to provide the documentation for the active insurance for the past 5 years which I did. They gave a quote and approved it. I signed all documents and paid upfront fully for the insurance from XXXX. After two months, XXXX sent me a letter stating that the my premium has gone up as I had different insurance company before 5 year. I said, you asked me to provide documents for the last 5 years which I did and you approved it. And then how it matters who was my insurance provider before last 5 years. I had a call with their top management and they accepted their fault. Also, mentioned that this was a mistake by underwriter and now I will have to pay. I declined to pay additional premium and canceled the policy with them and got insurance from another company. They sent the additional premium as the collection to the above mentioned collection company where I disputed the payment and provided all necessary documentation. After that, XXXX reduced my balance ; however, I requested to provide additional documentation from XXXX to show on basis the outstanding balance is calculated. The collection company never considered my request and simply reported it to the Credit Bureao even though the case was open pending to data that I requested. The manager spoke very rudely without listening the full story and told me that he has taken steps as per guideline whereas they never provided the requested data.
Consumer complaint received 2023-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (VA)

Navient claims that I co-signed my son 's student loans for which I have no recollection. I asked them for proof and they sent me a copy of the contracts with my name typed on the co-borrower 's line with some numbers underneath it. I asked them how it was that my name appeared on the contracts. They told me that I signed electronically. I told them that I did not recall that so I needed some type of confirmation. They said that they don't have that information. As I continued explaining to them that I didn't believe I signed using an electronic signature, they then said I must have done it over the phone. With that response I requested confirmation since they record all calls but they said they don't have that either. In XXXX or XXXX when I first asked Sallie Mae ( the original holder of the loans ) how I became the co-signer, they told me that they used the first loan which I did co-sign and applied that information to the others. I told them at the time that I didn't think that was legal but their response to me was " Well, that's how they do it ''. In addition, some of these loans have no disbursement schedules to show that the school ever received the money, one has no borrower signature, and another has no co-borrower information at all. Plus, my son wasn't in school at the time they say he received one of these loans. We have tried reaching out to the school, XXXX XXXX XXXX, XXXX, to get more information but the school has been acquired by another institution. The acquiring school states that they are unable to furnish any information. Now, Navient wants to make some kind of deal with me to settle this debt, but before I agree to anything, I need to know that these loans are valid and that I actually co-signed for them. So far, they have given me three different explanations but no proof for any of them. I'm hoping that the CFPB can help me resolve this issue.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX account still showing under negative accounts This account was paid in full and closed and to be removed per the company Experian has been notified of this and still is reporting the account incorrectly The other two credit agencies have deleted the account but Experian has not and will not I have reached out numerous times and sent the sent of removal as well
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

Dear to whom it may concern, XXXX XXXX, Experian and XXXX XXXX is a foreign company that furnishes consumer credit information to consumer reporting agencies. 15 U.S.C. 1681s-2.Experian and XXXX XXXX failed to maintain and failed to follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, concerning the accounts in question, violating 15 U.S.C. 1681e ( b ). 
My name is " XXXX XXXX ". % % **. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b )  and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to XXXX, XXXX, and Experian and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My address now is XXXX XXXX XXXX XXXX XXXX, the other addresses are either old or incorrect so please delete them. 
**Credit cards** XXXXXX/XX/XXXX Reported : XX/XX/XXXX Where is the original contract, application or other proof which clearly shows my consent and signature? What is the name of the person you received this information from? What was your method of verification? Using an electronic response is not an acceptable proof and must be verified in itself. This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard inquiries** XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Miscellaneous Utilities UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Telephone Companies Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Central Portfolio Control Inc. (WV)

I have disputed this debt on my credit report 2 times before, first time credits t collection company said they would remove the debts then sold them to another agency, to which I disputed this debt with the help of the attorney generals office, the company failed to respond to my last letter in which untold them I contacted the agent to which they said I owed the debt to and the agency told me I did not owe that debt to which they are saying I owe, I then explained in the last response letter that I believed it was a mistake seeing how I became XXXX during that time and I had both medical insurance through my place of employment and also I had XXXX  so I do not owe that debt, they did not respond to my last objection letter then XXXX  weeks later the debts were removed from my report, I just checked my credit again yesterday and after 4 months they re entered the same debts again through a different agency, i want these debts removed and I'm getting tired of all these illegal coll action practices.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (GA)

NewRez failed to apply my payment to my account even though the check show as processed. 
XX/XX/2024 - check cleared / Newrez Processed on XX/XX/2024 Check Number XXXX XX/XX/2024 - Check cleared / NewRez Processed on XX/XX/2024 Check Number XXXX
Consumer complaint received 2020-06-25
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$980.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00}
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

I opened an account with Company. I used the card maybe once.
About a 2 weeks later they asked for verification. 
I told them im a XXXX XXXX what kind of verification. 
They started asking for other individuals in my home income. I said if info isnt provided they will close the account. 
I said you can close the account. 
Never missed never late and paid it off. 
They told me it will not be on my credit report.

Now it it up there for ten years and i need it off as it was not supposed to be up there.
Consumer complaint received 2024-03-01
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: Professional Credit Management, Inc (AR)

I surrendered the car and it was auctioned off. I was sent a check with what amount was left over after the remainder of my balance was paid off. It says Im behind on payments. For a repo. Balance was paid in full but my report says Im XXXX in debt. Its hindering me and causing damage from me not being able to get another auto loan. Or any other help. The report isnt accurate. Its caused damages to my credit because this situation wont get fixed
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

When I trying to book a flight with XXXX XXXX the website shown a promotion for XXXX reward points as sign up award. However when I receive the card and sign up online the promotion changed to XXXX. I raised this with XXXX XXXX number of times. Initially they said this was a mistake they will put a case through. Then second time they said they were sorry but they cant offer XXXX as promised by the website. XXXX is max they can offer
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

The company requested that I send in a copy of my ID and Social security number which I have sent, I also included a bill, but I still can not pull my credit report through Myfico or other companies. I know that the company has received the information they requested as I submitted disputes at the same time and those have been opened.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (KY)

I have a venmo account linked with my phone number but after logged in from the link sent to my phone... .it said it was sending a link to the email address on XXXX I just lost access to being reason that my XXXX phone was stolen. I contacted venmo support team and they they couldn't change the address that was on file ... even though I could no longer access the email account. To finish logging in. I have a balance of XXXX dollars on my venmo account and it's been there since XXXX? I can't use get to it at all and I'm unhappy with venmo.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

CONTACTED EACH OF THE CREDITORS AND REQUESTED PROOF OF THESE INQUIRIES, WHICH ARE ERRONEOUSLY SHOWING ON MY XXXX CREDIT REPORT. 

THEY DO NOT SHOW THESE REQUEST UNDER MY PERSONAL INFO PROVIDED TO THEM.
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I picked the Amex gift card because Amex marketing stated they can be used anywhere that accepts Amex. I have not been able to use these at any retailers- including, XXXX, XXXX, XXXX, school tuition, XXXX. the Amex website states I should be able to add to my apple wallet and i can not. I have 11 gift cards in the amount of {$500.00}.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Charges were charged on my credit card without my permission and the credit card Bank of America is making me responsible the charges. I disputed these charges more than six months ago and as of XX/XX/2020 they have put the charges back on my account ... My credit card is in good standing.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My XXXX credit score is impacted by an error causing my score to be XXXX to XXXX points lower than what it should be. 
A false remark stating that I dispute the information of one of my HSBC account keeps showing up on my report when there is no such dispute. I do not dispute anything. 
Still it is the 4th time the following happens : - I notice that my XXXX credit score has dropped suddenly from Excellent to Fair on just one day - I see on XXXX that the only change that occurred is that a remark stating that I dispute my HSBC credit card account information has been added- I call XXXX to remove this erroneous remark since I have not filed any such dispute. They say it is an error and it should be removed in 72hrs. 
- the remark is removed and my credit score immediately goes back up to Excellent ( gains about XXXX to XXXX points ) - a few weeks later, the cycle starts all over again. The remark resurfaces. My credit score drops, I spend hours on a call with XXXX support explaining the issue again, they remove the remark, credit score goes back up, remark comes back several weeks later this has been going on for over a year. Each time they say the remark wont come back. 
I also contacted hsbc and they say they are not responsible for triggering the dispute remark, cant do anything about my credit score and claim that only XXXX can solve this. 
I am in the process of home buying and for mortgage purposes, I cant afford to have my credit score being wrongly affected by those unfair drops when my credit is actually in excellent standing. I already was denied a lease on an apartment last year because I had not realized that my credit score had again dropped before submitting my rental application Here is the reference provided by the representative on my last phone call to XXXX : XXXX
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION (OK)

Simmons Bank is not willing to work with me on my matured real estate loan. I have asked if they can pause or extend the matured loan for 180 days like what the CAREs Act provides, but they have refused to do the extension. Here is the banks reponse for my request : On XXXX XXXX, 2020, at XXXX XXXX, XXXX XXXX XXXX wrote : XXXX , From my understanding of all of the lending managers that I was able to speak with today We are not allowed to do a 3 mth extension. Refinance is the only option. I am still waiting for a call back from the manager that oversees the portfolio lending, meaning a refinance that stays within our bank. I am trying to find out what the rate would be and what fees are involved. I sent to you last month what a secondary loan would look like as far as fees and the rate and that should be the same now. So, as far as our bank it appears there will 2 options we have to offer. Secondary or port refi. As I stated, I will find out what the fees and rate are on the port loan. 
When I have more information I will share it with you. I would like to help you if I can. 
Thank you XXXX This is what I asked for : I am requesting a 3 month change in terms/ extension due to the following reasons : corona virus/Oklahoma having several cases recently, I am not comfortable getting out in public at this time, XXXX/simmons not informing me that the loan was maturing till after the loan matured ( after I made several attempts to multiple employees to figure out what was wrong with the loan ), and finally I have never been late on any payment to XXXX or simmons bank. 

Let me know as soon as possible whether or not you can make file the 3 month extension. 

Please reach out and help me fix this with the bank.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (KY)

I had an account with XXXX that was plagued with billing issues. I was incorrectly billed many times, service was disconnected several times I was cussed at and hung up on by XXXX  's financial services reps. 


The account was paid. An complaint was filed with the attorney general of XXXX. XXXX responded stated the account was paid in full and issued an apology. 

They have now sent my account to collections with a third party collection agency which is now damaging my credit.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On last Monday ( XX/XX/2024 ) I came to the bank to deposit all the check I have, but all that check include my name and also my wife name! 
And I ask the bank teller " can I deposit it? Cause the name of my wife on that check is different with the name on record! On the check is the XXXX name of her, because all the check I got is a wedding gift from my guest Also my wife 's real name is XXXX XXXX On the check they put the XXXX XXXX AND XXXX XXXX Bank teller said that fine cause have my name And we didn't have joint account yet, and I have make appointments on next day ( XXXX, XX/XX/2024 ) Then on Monday night at XXXX Chase bank send me the mail with detail " Due to recent activity, or because we need more information from you, we have restricted your account ( XXXX ) and XXXX need to close it if we dont hear from you soon. " Waiting until morning Tuesday I make the phone call to the number they provide ( XXXX ) They said they not approve because name of the thirt party not match with the name on the system or all the record! 
Cause my wife she not change the name yet They said they have to confirm the name is her! when I provide phone numbers even her boss 's phone number but they always said " the number didn't match with system! I tried so many times to explain! They said I can call to the check 's owner to cancel that check, until money go back to the owner 's check But Chase bank withdrawal the money on those check already! How to cancel! 



So can you help me to do this problem please All my money on this and XXXX cant pay the bill or anything
Consumer complaint received 2024-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDICO. INC (SD)

I had a complaint before. I was told by the state attorney the debt collectors don't have to collect consecutively. Which I believe is unfair. That just gives them all the right to collect interest. I paid the debt after told this. But I paid double. Since they took XXXX  years to collect. Instead of just being happy taking it out of my check XXXX  years ago. I'm just ranting I work hard for my money. Yet we let companies XXXX over people, because their isn't a law to stop. Who makes laws that can stop this? 

XXXX XXXX