davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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: Commercial Trade, Inc. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : COMMERCIAL TRADE INC # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/XXXX I was unsure if I was possibly being scammed using XXXX through XXXX XXXX so I contacted my bank, explained what was going on, after I was done explaining, it was the customer service rep that sent the money {$220.00} to the person who I later found out, WAS INDEED scamming me. I assumed the bank ( or XXXX ) would know their policy, whether what I was told, was a scam or not, so when they continued with the transaction, I figured I was safe. I don't feel like this was your typical " account holder authorization '' error who was scammed, but the customer service rep who was careless and clearly did not know about their own policies, ( scam or legitimate ). Later finding out from the Internet it was a recent scam going around, I filed a claim ( dispute ) with my bank to reverse the charges, but was denied. 
I think they should be held liable.
Consumer complaint received 2021-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my Transunion report and 10 on my XXXX. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

regarding account XXXX which you claim paid, was a charge off such as I owe {$68.00} or my account was charged off {$68.00}. 
ACCOUNT XXXX : This account is unknown to me. I have reached out to the furnisher and they are unable to validate this debt as mine
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I have a mortgage with My XXXX XXXX/LoanCare. I called in XX/XX/XXXX and asked that my homeowners insurance be removed from my escrow account. I got new homeowners through XXXX XXXX and am paying it myself because, in XXXX, XXXX paid my homeowners insurance late and my homeowners insurance was cancelled without my knowledge. I did not know until the check from LoanCare was returned to me. I logged on to LoanCare website in XX/XX/XXXX and seen that LoanCare had my prior homeowner insurance listed. I called again informed them of mistake and the customer rep that I spoke to asked me to have a declaration page faxed over from XXXX XXXX, which I did the same day. I asked her several times for a confirmation number that I had called and asked for LoanCare not to pay my homeowners insurance she said she could not give me one. On XX/XX/XXXX I received a notification that LoanCare had paid the XXXX XXXX, which put my escrow in the negative. I called and spoke to three different customer reps. I was reassured that a stop payment was put on the check. I called again in a week and I asked if the stop payment was done and this time was told that they don't do stop payments and she said don't worry they will return the check to you. I said I don't want it handled that way. Loancare will then do an Escrow analysis and increase my house payment due to the negative in the account. I have emailed and called 4 times asking about the Escrow Analysis - trying to confirm with LoanCare that they are not to include the insurance, and I never get a return call or email. LoanCare makes you email first then they will call you, I never get a call back. If you call them you can not get an answer they tell you to email. I feel like I am being treated unfairly and that they have no concern for sending out my money to whoever they want and whenever. I am being ripped off.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (NY)

The name of the mortgage company is Movement Mortgage located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX. The loan officers are a married couple by the name of XXXX and XXXX XXXX. XXXX  # XXXX and XXXX # XXXX. I have a XXXX credit score and gave in all of the documents they asked. After 2 weeks of deliberation and as soon as they knew I was an XXXX XXXX, they asked me for a co-signer. I asked why exactly? They said my income had dropped from XXXX to XXXX and the underwriter will ask for a co-signer. I replied of course it did. Due to Coronavirus year, many peoples income dropped from shorter hours or from their businesses suffering loss.

I said that was not enough reason to ask for a co-signer. I still have more than enough income to pay for a mortgage. I asked for a 2nd opinion from other lenders & I was told that was not true. There is no reason for them not to give me a pre-qualification. It seems that they do not want to give you a pre-qualification because you are XXXX. I ended up getting a pre-qualification from another lender after just 3 dsys. I am reporting these loan officers and this company to CFPB because this is discrimination/racism.
Consumer complaint received 2021-11-19
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. (GA)

I called XXXX XXXX XXXX who is XXXX Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them XXXX equifax ans XXXX to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.
Consumer complaint received 2021-03-26
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. (WA)

On XX/XX/XXXX I checked my Equifax score it was XXXX I checked it again 4 days later ( I have paid off bills and I am waiting for them to hit my credit report which at this point they had not ) NO significant change happened in those 4 days yet my score dropped XXXX points. And I can find no way to contact them directly to ask them why.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (UT)

I was notified by a third party service that my account was closed. I havent used the card recently and when I called to find out whats going on I was told to call XXXX. They would obviously have no idea why the account was closed. When I spoke to a XXXX she said it had to do with my outstanding balances on other cards and my mortgage hasnt reduced this year. My family and I were affected by XXXX and our mortgage is in forbearance. My credit card debt did go up a bit around XXXX but Im making my payments and I just made really large payments that havent been reflected on my credit report yet. I personally dont think this is fair and Im really angry I wasnt notified by synchronyBank. Im not XXXX the card, Im not making an excessive amount of disputes or really anything to be considered a bad customer. Im terrified that my other accounts with SynchronyBank are going to get closed and no one at the customer care centers can help. Ive spent so much time trying to talk to someone and no one has any idea what to tell me. My payment history with the company is great and I rarely carry balance on these cards but closing the account hurts my credit unfairly.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

I applied for a refinance in early XXXX. I submitted all relevant docs, signed disclosures, and locked in a rate. The company was bought out in XXXX. I was told that I had to start the process over and has to resubmit docs. I was also told my rate would not change. Since then there had been little communication. A few weeks ago I was told my loan was going to underwriting and it would take a few days. I email daily for updates with minimal response. I still have no close date. I was also told that my loan was being handed over to another department for next steps. The loan officer could not tell me the name of the person who was taking over my loan. I dont know whos in charge of my loan or where I am in the process. I am unable to spend my money in my back account and this has been holding up various projects as well as a car lease that I need to pay off. I have lost all confidence in my mortgage team. I am also increasingly concerned that after all time someone has lost my loan.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nadler & Associates, P.C. (GA)

The judgement took place in XXXX, they are unable to provide any proof of the debt and the debt has been sold to at least 4 other collections companies. I want to dispute but Im not sure how. The company that started the lawsuit is listed as Nadler and associates XXXX. The debt maybe in as many as 3 different offices, with no proof of debt. I know I do not owe over XXXX for a card I had in XXXX
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (NY)

I have already made a complaint against this company. The name is Receivables Performance Management. I made a complaint in regard to FDCPA violation on XX/XX/2021 ( complaint ID : XXXX ). On that day i also requested that the DO NOT call XXXX. They continually try to get me to disclose personal information to them but refuse to tell me who they are calling on behalf of. I will not disclose ANYTHING about myself until they disclose the creditor in which they care calling on behalf of, which they must do because i do not have any business with any companies by the name of Receivables Performance Management. They have continued to call my phone number multiple times after XX/XX/2021 when i requested them to stop. They called the following dates and times from different numbers : XX/XX/2021 - XXXX - time : XXXX XX/XX/2021 - XXXX - time : XXXX XX/XX/2021 - XXXX - time : XXXX Today i called the XXXX number and requested for a second time to stop calling my phone number and again the woman who answer tried to get me to disclose who i was but would not tell me who they were calling on behalf of. As per FDCPA i am entitled to know who the debt collectors are calling on behalf of before i disclose ANY information including identifying myself.
Consumer complaint received 2021-11-19
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: Army and Air Force Exchange Service (TX)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (MD)

I have one negative account on my credit report from Experian and with evidence showing XXXX and XXXX have removed the negative account, Experian still hasn't removed it and by federal law, everything has to be accurate from all 3 Bureaus.
Consumer complaint received 2021-03-26
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: WELLS FARGO & COMPANY (WA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX Inquiry : XX/XX/2019. 
XXXX XXXX XXXX, Inquiry : XX/XX/2019. 
WELLS FARGO DEALER S, Inquiry : XX/XX/2019.
Consumer complaint received 2021-03-26
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. (NY)

I have sent numerous dispute requests on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX to XXXX, XXXX and TransUnion regarding the reporting of fraudulent and incorrect information on my consumer credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion, XXXX, XXXX is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

TransUnion, XXXX, XXXX failure to positively verify these accounts { see page 2 }, have hurt my ability to obtain consumer credit. Under the FCRA, unverifiable accounts must be removed. 

I demand that the below accounts be removed immediately : The following account are not mine. Please remove from my TransUnion, XXXX, XXXX Consumer Credit Report. 


1. XXXX Account # XXXX Balance {$16000.00} Date Open : XX/XX/XXXX 2. XXXX XXXX Account # XXXX Balance {$12000.00} Date Open : XX/XX/XXXX 3. XXXX XXXX XXXX Account # XXXX Balance {$43000.00} Date Open : XX/XX/XXXX 4. XXXX XXXX XXXX Account # XXXX Balance {$24000.00} Date Open : XX/XX/XXXX 5. XXXX XXXX XXXX # XXXX Balance {$1800.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$11000.00} Date Open : XX/XX/XXXX 7. XXXX Account # XXXX Balance {$1600.00} Date Open : XX/XX/XXXX 8. XXXX Account # XXXX Balance {$8700.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$1900.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$0.00} Credit Limit {$1500.00} Date Open : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit manaagment has no signed contract binding me to a XXXX and XXXX balance. XX/XX/2020 I do not enter into No agreement with midland credit management. They bought debt from XXXX for XXXX and XXXX from XXXX XXXX XXXX and have no co tract between myself and them. They are fraudulent placing collection and dates I never signed any binding contract with this company I want both account removed off my credit file if they do not have a contract that I have signed with them. They are in violation of my rights and due to Covid they are placing incorrect collections accounts to ruin my credit further. If they can not provide a contract signed between my self and their company I want both accounts removed from all 3 bureaus ASAP.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (SC)

JP Morgan Chase Bank XXXX XXXX Visa refused to work with my startup business to handle our credit card debt. We experienced hardship due to slowed sales just prior to the pandemic, and virtually no sales during the past twelve months. We attempted to negotiate while the account was still active but they refused. Once they closed the account, they set up a monthly automatic bank withdrawal payment we told them we could not afford. As we struggled over the next several months to make funds available to prevent overdraft charges on our business bank account, the pandemic hit and our income immediately stopped. Due to the seasonal nature of our main product, our marketing plan for 2020 revenues was completely nullified by the pandemic. Because we could not make our recurring payments, our bank closed our XXXX XXXX Account. We have been harassed daily by calls from Chase, and are now being called multiple times a day, both at home and on our business phone, by a collection agency we could not identify until we received the letter uploaded below. We now owe roughly the same amount we did when the account was closed - effectively making the several thousand dollars Chase debited our checking account in XXXX and XXXX useless in satisfying the debt.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

XX/XX/XXXX - Mailed certified letter asking for validation of debt on 4 accounts. 

XX/XX/XXXX - Certified mail delivered No validation has been received to date ( XX/XX/XXXX ) XX/XX/XXXX - called in regards to debt validation - spoke with XXXX XXXX and another woman, supposedly a supervisor, who refused to provide her name - Supervisor was trying to collect even though it is still within the validation hold time - I decided to humor her and that if they would settle for a certain amount I'd pay. She started laughing and said they wouldn't even take that money 10 years from now. I asked for a manager and was told no one was available and they would have to call me back, but I had also adv they must cease and desist any phone communication and that I would hold. She stated that I can't hold and started laughing again. Then I hung up the call. 

XX/XX/XXXX - I will be sending another certified letter after work this afternoon advising that since they failed to validate the debt as per my initial letter the debts must be removed from my credit reporting.
Consumer complaint received 2021-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (RI)

I applied for temporary expanded public service loan forgiveness as I am a XX/XX/XXXX in the VA XXXX XXXX XXXX government employee ). I uploaded my employment forms on the fedloan servicing site. I contacted fedloan and spoke to different customer service agents regarding my paid ahead status. All of the payments I have been making through covid and prior are not counting towards my loan forgiveness. My account has been in a paid ahead for quite sometime. As a consumer making additional payments and doing the correct thing by paying them although the balance has been {$0.00} for quite a while, this is not right. The agents told me there is nothing I can do as far as those extra payments. I was told to change my payment plan to an income driven and reapply after being in that particular plan for 10 years ... what! My loans will be paid in full before then so why would I change to a higher monthly payment with an income driven repayment and for a longer span of time and still not be able to apply for this? Something needs to be addressed with this issue. I have uploaded statements that show my paid ahead status as well as the documentation about changing my repayment plan.
Consumer complaint received 2021-03-26
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: Meade & Associates, Inc. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, MEADE & ASSOC # XXXX.