davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (CA)

21st Mortgage called me and since last month I was struggling but I was able to make the payment but I let them know this month I need help, I asked for help and I spoke to two representative which started to harass me. I answered the questions and after I told them how much I was bringing in I was told then I could make the payment just like that and I told the person I have other expensive and If they could just send me the application and instead I was sent to XXXX ( Ext XXXX ) supervisor who continue to tell me the same thing and argue with me. It was very shocking to hear how I was getting harass other the phone and think to myself that they base the decision on the conversation or they trying to not help and force the customer to pay there bill. And then I called back and XXXX answered and I told her I would like to speak to someone else and she passed the phone to XXXX ( Ext XXXX ) because I just want them to send me the application and instead I got harassed by another customer service rep and this time I answered his question and then I got lectured that I am not going to be able to offered this mortgage, started to tell me that this is a 23 years loan and etc and I was just listening shocked, and I asked him how did he come up with this conclusion and how is this going to help me being lectured with my mortgage payment. And Mr. XXXX said because you just told me you were going on XXXX because of health reasons. I told him how does being XXXX  making you XXXX  for the rest of your life or even saying I am going on XXXX because of health reasons make you disable for the rest of your life. Mr. XXXX said you didn't mention that you were XXXX and if you want us to work with you, you need to tell us everything. I felt harassed and didn't understand how this was helping me resolve my issue and Mr. XXXX assumed and he didn't ask more question because I good customer rep would of asked so how long does your XXXX going to last instead I was yelled at that why I didn't mention I was XXXX  and I was just shock on how the customer reps took an answered and just assumed without asking more details. In the end I was told by Mr. XXXX that I could pay my mortgage because I bring some income in. That was it, it was based on my answer that I bring some income in. I told Mr. XXXX that I have other things I need to pay or buy for instance food and gas to go to work and pay other bills. Horrible why of helping customers at this time of need ( coronavirus ). If I would of know that I was going to get harassed over asking for help at a time of need I wouldn't of called. Its not right the way I was treated
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

Several years ago I opened an account with Wells Fargo because it gave me access to my paycheck 2 days earlier. 
During that time my ex who was cheating on me was also using my card for everything under the sun except for any purchases that required a PIN number. I brought this up with the bank as soon as I learned of the fraud years after my account had been closed out. I let them know within the 60 days like required by law, and they've quoted me a time frame which they've already gone over. But they figure since they've given me some of my money back in provisional credit that I should be okay with it. I'm tired of getting condescending people on the phone when all I'm trying to do is properly recover the money that was used without my consent. Out of the XXXX and change they've given me {$4000.00} and change. I want the rest of my money right now!
Consumer complaint received 2021-08-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

okay this company bought an old account from XXXX XXXX XXXX XXXX on a car that I had 3 years ago. the car was picked up by XXXX because the was no longer running but I continued to make payments on it until XXXX of XXXX? the name of the company that's calling is Jefferson capital .I have not received any document from XXXX telling me what the car was sold for nor was I ever given a notice to bid on the car at an auction.to this date I have no documents or paper work from XXXX XXXX and the balance that Jefferson is asking for is over {$5.00} not even close because this car did not run.. it sat in front of my place for almost a year so please ask them to stop calling me..
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (CA)

i have disputed several transactions with XXXX since XXXX of this year and have been unsuccessful to get back any of my money. 
XXXX has repeatedly switched the amounts and fails to clarify the denial of my claims. XXXX has also been closed and unable to reach on multiple occasions to try and protect my funds and was unable to due to there not being a representative to speak with. 
XXXX has not asked for a statement at all regarding the transactions in question and has denied my claims stating that there was no error even after i had insisted i have receipt and cancellation evidence for some and also i had been issued two cards without my request and later was blamed for the transactions i disputed since i was still accessing my account with my other card. XXXX  would deactivate my card and then block it and prevent me from accessing my funds. i would reactivate it and later again it would be declined. i have requested only to receive written response from XXXX  but they havenot sent me any documentation via usps. they continue to send me over twenty messages via their inbox online which i can not understand since htey have changed the amounts and gone back and denied then sent me a message saying they are investigating my claim and have received documentation i sent. which is not true i didnt send anything except usps via priority mail where i requested only written communications.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (NY)

I received a collection notice from XXXX XXXX XXXX XXXX XXXX on XX/XX/21, claiming debt owed on an old USBank checking account of mine in the amount of {$3900.00} and for a settlement amount of {$790.00}. Upon looking into this further by speaking with USBank, I was informed that there was a lump sum transferred to this account that I have no knowledge of. I next made action to obtain the proper debt validation from XXXX XXXX by sending a Credit Validation letter by Registered Mail on XX/XX/21. I have signed receipt of mail on XX/XX/21, however, XXXX failed to return the validation information to me within the allotted 30 days. It should also be mentioned that upon looking into other consumer 's experience with XXXX, there are anecdotal reports of other consumers receiving fraudulent debt claims from XXXX. 

Please let me know if I may provide any additional information. 

Thank you! 
XXXX XXXX
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I disputed an erroneous collection item for XXXX XXXX XXXX on my Experian report. I received a notification the same day that the item had been deleted from my report. I next received an alert within a few minutes that my Experian Credit Score had decreased by XXXX points. I called Experian at XXXX ( XXXX ) XXXX and spoke with representative XXXX at XXXX to ask why my score had decreased. She proceeded to tell me that a score could drop for various factors. I advised her that I was aware of that but why did my score drop if they had no new information reported to result in a XXXX pt decrease. He toldme they did not have any new information that was reported today. She then told me if I wanted further information I would have to consult with a financial advisor. I feel as though I was penalized for disputing the erroneous collection item on my report and being that Experian is the company that decreased my score they should be able to explain why. I should not have to pay a financial advisor to tell me why a company that has all control over my credit score can just drop it at will for no valid reason.
Consumer complaint received 2020-05-14
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. (PA)

I am writing to exercise my right to question the validity of the debt your agency claims I owe, according to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer required to remove inaccurate derogatory information from a consumers file that can not be verified. I would like to see a complete list of all documents and correspondence in regards to the below accounts. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX  XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. Thank you for your prompt attention to this matter.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I used to have a bank account with XXXX XXXX XXXX. That account was closed YEARS ago, like in XX/XX/XXXX. Recently, XX/XX/XXXX they decided to put some unknown balance on my credit and said the account was just closed, which is a lie. After doing some research I see that the bank is now called XXXX XXXX XXXX XXXX, so they are trying to fraudulently collect on year old accounts that was closed a long time ago under another credit union. They do not have proof of a written signature between me and this company. I have contacted each credit agency and they have failed to provide written signature proof me owning this account, at XXXX XXXX XXXX XXXX, and have refused to remove this clearly this false item from my credit report.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I recently purchased an engagement ring for my fianc but once Covid-19 surfaced I was unable to make payments and immediately informed XXXX XXXX about my situation. I was able to have my payments deferred until XXXX but I still willingly make payments when I can. In XXXX, XXXX XXXX attempted to take money out of my account but there was no money because I was not working. I incurred a returned check fee from my bank because of this. I called my bank ( XXXX XXXX ) and explained my situation also stating that I explained my situation to XXXX XXXX as well and they understood. Therefore, my bank removed the fee because XXXX XXXX deferred my payments until XXXX and understood my situation. 

I discovered that XXXX XXXX tried to take a payment because I was still set up with autopay. So, I immediately called XXXX XXXX to have myself taken off of autopay. When I was able to gather money, I paid my bill for the month on XX/XX/2020 although no payment was required. A week later, I received a notice saying that funds ( which were available ) were returned to my account. I figured there must have been an error somewhere, so I once again paid my monthly bill on XX/XX/XXXX. This payment was successful. 

XX/XX/XXXX, I was notified that my XXXX credit card was put on hold and I was charged a returned check fee. I called my bank and asked why the payment was not successful the first time when I definitely had funds in my account and they said they put a stop payment on my account due to the crises. I asked to have the stop payment removed and I immediately called XXXX XXXX to let them know what happened because I had now incurred a returned check fee from them due to this unforeseen situation. I explained the situation to the young lady representing XXXX XXXX and she assured me that the fee would be removed since there was a misunderstanding and the hold would be lifted on the card. 

Earlier this week, XX/XX/XXXX, I saw that my statement for XXXX still had the returned check fee on it after I just spoke with someone about the issue. I called XXXX XXXX again and was severely mistreated by a representative named XXXX. He continued to belittle me by making it seem as if I did not know what I was talking about. I then asked for a supervisor and had an emotional breakdown mid conversation because I am trying to support my family during this pandemic and continue to be a great customer yet the XXXX XXXX employees continued to say that it was my fault that I incurred the charge and they refused to remove it. I brought up the fact that I was lied to about having the fee removed and the blame continued to be placed on me. 

Therefore, I want to report this issue to prevent it from happening to anyone else, especially during the tragic times that we are facing. I also would like to have this fee removed from my account. I would greatly appreciate having this issue investigated. Thank you.
Consumer complaint received 2020-05-14
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. (OR)

XXXX XXXX  is reporting that my account is in forebearance which has a negative effect on my credit standing. This is contrary to H.R. 6321 Sec 112 ( b ) ( 1 ) which amends the Fair Credit Reporting Act to say : ( b ) Moratorium On Furnishing Adverse Information During COVID19 Emergency Period.No person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during the COVID19 emergency period
Consumer complaint received 2020-05-13
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: EQUIFAX, INC. (MS)

Every time Equifax or the other two credit reporting agencies send me emails. " Improve your credit score with a new credit card with lower interest rate ''. When I do get a no interest card to consolidate, They always lower my score by many points because they only take the adding of a new Card and a new balance of the new card. They never give you a better credit score by ending the balance on the old cards. Why do they get to make money off of you getting the new card they say you should get, when it lowers my score and takes me months to get my score back where it was before they said it would help improve my score? Please try to send this to someone if your org. can't stop this false money grab they are doing. I am sure I am not the only one this happens to. 
Thank, you, be safe XXXX XXXX
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

Date : During the month of XXXX, I contacted SPS Select Portfolio Services twice to modify/Refi my existing Loan, I am already approved for Forbearance. 
I already received a payment plan Letter which says XX/XX/XXXX, I need to pay XXXX for all the months I missed. 
SPS responded that I am under forbearance and could not modify/Refi. 

I asked that my loan could be refi. to a lower Interest rate and they said I have to wait till this period would be over. I am currently paying 4.75 % and current int. rate is about 3.75 % or lower. 

This does not make sense. I should be able to refi./modify to lower my payment. 

When I apply for forbearance, I was told I have a few options in order to come out of forbearance. like modify/Refi. 



.
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently checked my Experian credit report. In doing so I noticed a delinquent bill claim from the company ( XXXX ) I called that company to inform them that I have never had a contract with them. When I gave the rep my name and number ( nothing came up ) after going through my info, finally I was patched over to a supervisor and he asked for my number. When he put my number in a account came up belonging to a female. I informed him that I have never had a account with them. I placed a dispute and the investigation determined that I have a account. Asked for the contract and I was refused access. He then told me that it stem from a purchase from XXXX. I informed him that I was a store XXXX for XXXX for 18 years and that I would contact them and 3way affirm on the call. XXXX refused to join in on the call. I contacted my old employer and received my purchase history and it reflect that I havent purchased anything on XXXX since 2017. I emailed that information to affirm and they still insist that I made the purchase. XXXX my old employer will provide any information needed but XXXX refuse to contact them. I am a victim of breach of information. XXXX refuse to provide me with the contract number so that I can have XXXX provide the number to the person whom have the account. I gave the same information to Experian and both companies refuse to resolve this issue.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phillips & Cohen Associates, Ltd. (NY)

I have a company called philips and cohen whos address is XXXX XXXX XXXX, XXXX, deleware XXXX with the phone number XXXX. This company call me daily and on my cell phone. I have asked them repeatedly not to call me at work. They call me once or twice a day at work. They have called old work numbers and badgered my co workers.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2020, I spoke to loan officer XXXX XXXX at XXXX XXXX XXXX regarding the Maryland Smart Buy program. The phone conversation was informal, and I was brainstorming my options of purchasing a home and see if I qualify for the Maryland program. The loan officer took that informal conversation and pulled a hard credit inquiry without my authorization. Nowhere in the phone conversation was I notified that my credit will be pulled and a hard inquiry will be performed. Now that inquiry is being reflected on my credit report and affecting my credit score.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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