davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

capitalone bank cards are in collusion with XXXX XXXX 3 accounts are lock in to my credit files and wont come out. force XXXX to unloack and get lettr of deletion from them
Consumer complaint received 2018-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently done a dispute with the 3 major CRA and at the end there were so teams proven to be inaccurate reporting and was removed from my XXXX report. Im having problems with XXXX and Transunion getting the items removed I would like for the items to be deleted from the two CRA ASAP as the information is not correct. Ive also asked for documentation with my signature and nothing has been given to me please see documentation attached.
Consumer complaint received 2023-05-10
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: JPMORGAN CHASE & CO. (CA)

This dispute is for in accurate information held against me from Chase in their database I ask that by the fair credit reporting act law they delete those in accurate files because they claim not to have access to their furniture, but they themselves are furniture, and they hold a in accurate result, but not the actual files themselves. Making it very illegal and unfair for me. Therefore, I am asking compensation. I also request for Chase after deleting those files to reconsider me and approve me for the credit card that I recently applied for.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

There was a dispute that was resolved in XX/XX/ for a purchase made in XX/XX/ and {$6600.00} which was the amount for the dispute was credited to my account twice. {$3600.00} and {$3000.00} was then debited for the excess credit in XXXX XXXX I recently lost my card in XXXX XXXX  and requested a new one. An unexplained balance transfer of {$6600.00} was made to the new card. This was taken from the automated payment from my checking account for XXXX statement payment. 
I have talk to countless staffs wasting countless hours to resolve this issue but no one seems to understand whats is going on and no one can provide an answer. They are difficult to reach and you talk to different person every time and start the process all over again. 

Synchrony is so disorganized with very poor service.
Consumer complaint received 2024-01-19
Product: Credit reporting 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. (PA)

I signed up with Experian to get a credit report 1 time. I just realized they have been charging my credit card over {$1000.00} for membership services. I called the # to cancel. Can not get a live agent on the phone. The # keeps directing me to the website. Unable to cancel the membership online. I had a XXXX and would like these unwanted charges refunded to me. Thank you for your assistance.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

On XXXX at about XXXX hours, I contacted the Synchrony Banks Customer Service Department. I explained my situation to the representative who transferred me to the Application Department. I spoke to a representative by the name of XXXX. Who transferred me to a specialist XXXX and then to another representative named XXXX. 

XXXX explained to me that they use XXXX as XXXX of their qualifying factor for credit approvals and suggested I seek out my credit report and file a dispute for Mervyns entry. I could not remember if our conversation included the letter that I have mentioned to several Synchrony representatives with a brief or verbatim statement written to me from Synchrony stating the reason for the denial. 

With this information, I later obtained my credit reports from XXXX, XXXX, and XXXX. The XXXX report on page XXXX indicates no derogatory remarks. In the XXXX report, there were no entries for Mervyn 's card. This report indicates numerous Synchrony credit cards with the entry stating exceptional payment history. The XXXX report has no report of Mervyn 's account documented within. This entire ordeal took approximately XXXX hours to contact the above companies to seek out the reason for my denial. ( Credit reports for the above-mentioned companies can be uploaded upon request if needed. )
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Back ERC Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$540.00} Balance updated XX/XX/XXXX Original balance {$540.00} Account info Account number XXXX Date opened XXXX XXXX XXXX  Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX1 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (CA)

What happened? 

On XX/XX/2023 I mailed my Income Tax Extension with a check for {$14000.00} as my tax payment. On XX/XX/2023 my bank statement shows that check # XXXX for {$14000.00} was payed out of my account, no other information in connection with this payment. XXXX I filed my income taxes, after they reviewed my return they sent me a notice dated XX/XX/2023 of unpaid taxes in the amount of {$14000.00}. I was sure they messed up as I had paid more than that in XXXX. I found my copy of the check I made before I mailed the payment then went to the bank to see the copy of the cashed check. It had been altered with a different payee and cashed by the Navy Federal Credit Union atXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA dated XX/XX/2023. I asked my local Bank Manager what I should do, he helped me file a request of XXXX XXXX of " Declaration of Unauthorized Endorsement or Altered Item ''. XXXX XXXX declined my request. My local Branch Manager called a supervisor asking why it was declined as it is inside the time frame of the statue of limitations. Supervisor said resubmit it, I did they denied me again. The XXXX Police took a report told me that the crime took place in XXXX so I tried to file a police report in XXXX, they would not do so telling me that I already filed a report. They have done nothing. XXXX Police tried to serve a subpoena for records at the Navy Federal Credit Union about this person who deposited my stolen check, they did not respond. Without further information the XXXX Police closed the case. I engaged a Lawyer for guidance who wrote a letter to both banks quoting the legal statutes that they are ignoring pressing for a response or legal action will be taken. No response from either bank.
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

Good Evening, My identity is at risk. I 'm a veteran that 's going through a tough time and needed my credit repaired. A guy offered his services to me and seemed like an actual business ( business websites, XXXX videos and other social media 's outlets ). I paid for the service of {$750.00} ( XX/XX/XXXX ) and followed his instructions to place a " freeze '' on my credit ( XXXX XXXX, XXXX, XXXX and etc ) and never heard from him again with no results. So I called my bank ( Navy Federal Credit Union ) on XX/XX/XXXX and asked if the bank would look into situation and they said they could not help. Then, I called the companies mentioned to have the " freeze '' removed and ask about how to submit a fraud alert to credit bureaus and later that same day the guy texts me saying I should see results soon. I 'm thinking since he 'd my information and probably could see if I removed the freeze at anytime, that would signaled him to start his next phase of fraudulence to contact me to keep me calm. 

I have all the texts and information I sent him, his name, email, phone number, business name and bank information ( but I would not be surprised if he changed all of this ).
Consumer complaint received 2016-01-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AE)

Carrington Mortgage LLC was not the original loan holder for my house. Over the course of 3 years they acquired the mortgage. In XXXX 2015, South Carolina had massive amounts of flooding and many homes were damaged. Carrington Mortgage LLC took it upon themselves to send an inspector out to the home to inspect for damage and then subsequently charge XXXX dollars for the inspection. 
The problem I have is : 1. Not one point in this process did Carrington Mortgage reach out to me via email, mail or phone call to notify me of the inspection. 
2. Carrington did not provide me a report detailing what the inspection covered. Reviewing my XXXX 2015 billing statement, the inspection fee was listed and that 's how I found out 3. Carrington was unable to provide where in my mortgage documents stating that the fee they charged, I had to pay. They mailed me a copy of the documents circled a paragraph. In the paragraph it states nothing about an inspection after a disaster, nothing about an inspection that the mortgage company wants to do or anything. The paragraph clearly states that I must pay for all taxes, assessments, fines etc for the property. 
4. I am not even sure the company performed the inspection, as I was n't there or notified 5. Calling them is useless as they cant do anything over the phone. Everything has to be mailed or faxed. I have called three times to speak to them, each time a request must be sent to the Research Department for them to review and get back to me, approx. 30 days. When requested to be transferred by phone to the research department, they say they are unable to take phone calls. 

During a time of disasters companies find ways to profit from it. I think Carrington is one of those companies. Although {$15.00} is not a lot of money from one person, it could add up from XXXX or XXXX of people in SC that got charged this fee from Carrington. The home inspection, if they performed it, was to benefit the company not the consumer. This was them protecting themselves as such, they should be the ones to pay the fee.
Consumer complaint received 2018-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

OnXX/XX/XXXX my student loan service was transferred to AES. Previously my loan servicer was XXXX. My XXXX bill was paid electronically to XXXX ( {$300.00} amount ) and cleared thru my bank on XX/XX/XXXX. My loan was transferred to AES as stated much earlier, XX/XX/XXXX. My account was then handled by AES and I also paid them {$300.00} for XXXX.bill, not realizing at the time that XXXX cashed my payment, 2 weeks later. I have called XXXX  many times and they told me they would be forwarding the {$300.00} to AES which apparently has n't happened. AES has denied seeing any additional payment. Both companies will not tell me what happened to my additional payment of {$300.00}. I have called both companies and both tell me to call the other. XXXX has been adamant in saying they they transferred funds but it has n't happened. And they have been somewhat hostile with my questions. Any info would be helpful. 

Thank you, XXXX
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AR)

Good afternoon. 

My name is XXXX XXXX. MOHELA services my student loan. I have been in repayment for a bit now, but their communication is basically non-existent. I have messaged them multiple times regarding a couple of different issues and they will not get back to me. I understand they are likely overwhelmed, however my wife and I have had loan servicing ( before moving to MOHELA ) through XXXX  and it was such a pleasant experience there before being moved. If this is how they handle customer service, I believe something should be done about it. 

Thank you.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

I got a letter in the mail from " XXXX XXXX XXXX '' company that they are trying to collect debt for " LVNV Funding LLC ''. This company bought what they claimed to be " my debt '' from " XXXX XXXX XXXX ''. In XX/XX/2018 I filled an ID theft report because the latter bank and " XXXX/XXXX  '' issued credits within one week on my behalf and the cards were maxed out. I discovered that there are two accounts under my name accidentally as I noticed my credit score was dropping. Both accounts were opened in XXXX, while at that time I didn't even live in NY. Unfortunately, I don't check my credit report often so missed these fraudulent accounts for months. I issued ID theft report, put a fraud alert on my account, and contacted XXXX  and XXXX. After few months these fraudulent debts were dropped from my report. Few months ago I noticed that there is a debt collector who bought the debt from " XXXX  XXXX XXXX  '', trying to collect ( {$800.00} ) and again it showed on my report. 
I don't know how these banks opened these accounts on my behalf without verifying my identity. I'm sure that the purchases can be traced to show that this was an ID theft crime and these banks are contributing to the fraud by being reckless.
Consumer complaint received 2023-05-10
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. (FL)

On XX/XX/XXXX I submitted a personal loan request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished loan threshold at XXXX XXXX XXXX XXXX and was later denied credit. Had I known or had any transparency from XXXX I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all XXXX credit bureaus.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

My original repayment plan was {$190.00}. I have calculated my plan under XXXX program and spoke with agent at aidadvantage. The agent told me to leave everything as is because if I changed it the monthly payment will increase. And then all of sudden I got billed {$590.00} each month. And I kept calling agents to revert this back to XXXX XXXX  monthly payment but I was told I would be in forbearance and they will correct it. Now they are charging me {$590.00} and said they can not revert the monthly payment back to {$190.00}. And that it would be higher. Each agents tells me something different and some straight hangs up the phone when I call. And doesnt call me back. This is a common tactic this company is doing now. Ive check to see others if they are going through the same and there are many Americans dealing with this unfair billing practices. Even the own agent told me file complaints. At the end of the day, my monthly payment bill has increased so much that I dont know how I will be able to afford my family anymore. Its so frustrating.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I'm really upset that they are appearing on my credit report and ask that you please erase this account since it is not mine. I would want the business to take this off my credit report so that I may begin a new chapter in my life, but I am unable to do so due to this unidentified account.
Consumer complaint received 2024-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: PNC Bank N.A. (OH)

I, m not sure I am in the right place I have a XXXX  loan with a Home Equity and questioning the Interest Rate, I am paying close to 8.99 % almost 9 % is this right when I signed up it was XXXX percent and I know Inflation has had some effect but when I asked for the average of XXXX  rates get a lot of XXXX quotes we have Good Credit Scores, not sure I really have a complaint or not. Thanks! XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (FL)

I have a chime credit builder credit card and about 3 months ago i checked my credit report and it was reporting i have a late payment with chime of the amount of {$40.00} thats impossible cause i havent used the card in 3-6 months prior and you have to deposit money from your checking account to the credit building so you use your own money so you can never owe. So i called chime 2 months ago and i was told by customer service that the account was closed and i owe nothing and it was mistake and it will be fixed the next credit reporting cycle i waited a month after to see if it was fixed and nothings was fixed so i called again and i was told that in their system the account is closed and and current nothing owed and they do not believe so email a screen shot of the account off XXXX XXXX i did and they put me on hold for 3 hours once they knew i wasnt going to hang up they hung up on me.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

Chime failed to properly look into the complaint. I had solid evidence proving the dispute should have been accepted. I am unsure if the person working on the complaint did not view all of the documents or whatever the case may be. I refuse to contact the chime number because any complaint does not help. They brush it over or just send you to an automated voice. The replied after I requested the information, and I did not receive an email with the documents that used. They just said, " We sent you an email with attachments of what we used ''. I will attach the reply I got back from them. Chime is known to deny almost every chargeback request that has been given. Anytime you look up dispute with chime, its denied and they recommend filing a dispute. My next stop is to switch bank accounts and file a lawsuit if chime does not fix this issue. I bought a chair and the company failed to honor their warranty ; therefore, I contacted XXXX XXXX XXXX told me to file a chargeback because it was past the 30 days. I contacted the XXXX  and Chime still failed to assist. They wont even provide the documents used to make the decision. They said they sent a email, but the attachments were never received.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (PA)

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.

Account Name : XXXX XXXX # XXXX, has violated my rights. 
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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2018-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MI)

In XXXX of 2017 after pulling my credit reports I saw 3 accounts listed with XXXX XXXX XXXX. I immediately sent 3 debt validation letters ( one for each account ) to XXXX. For one of the accounts they already started the court process to sue me and in attempt to save myself and the company further time in court I settled with a consent judgement. The other 2 accounts they sent letters ( 2 times for each account now ) in response to my debt validation that did not validate my debt and in fact asked me for further documentation about the accounts. I do not feel as those accounts should be on my credit report or I should be contacted to pay debts since they failed to send me verification of these debts. I would request the debt collection process to be ceased on these accounts and these accounts deleted from my credit reports.