davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Williams & Fudge, Inc (SC)

My sister received a call from a company called Williams and Fudge. From a rep named XXXX or XXXX. She proceeded to tell my sisters sensitive information about my student loan account which I was already aware of. I told her at that point I did not want to work with their company because I was handling the matter through my university. She became very disrespectful saying that I was constenting for my loans to be dilinquent. Which I never verbally consented to do. The phone call escalated with me hanging up. I called back to complain and that female caller was rude as well. I asked her multiple times to send my call to a manager and she would not. Eventually she sent my call to a supervisor name XXXX who was just as disrespectful. I said i will pay the loan but I didn't want to work their company. They said it was either them or the highway. I hung the call up because yet AGAIN we were getting nowhere. These people will try to intimidate you and threaten you. Beware!
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a mortgage at Chase bank to purchase a property in XXXX XXXX. XXXX XXXX was my loan officer. The loan eventually went through after a nightmare of a process. XXXX XXXX was completely incompetent and unprofessional in every way. We had a very short 21 day escrow without loan contingencies. XXXX recommended we do that because he promised he would have no problem closing the loan in 14-17 days as he had had my paperwork for months because he was working on another loan for me. Not only did he start out by switching two numbers in my annual income ( {$150000.00} became {$190000.00} in the loan application! ) he then went on to failing to disclose to the underwriter that I have a $ XXXXmonth child support payment that he's known about since day one. He also did not submit my divorce agreement to the underwriter. He was either trying deliberately to hide it from them, or actually just forgot about it - either is equally bad. The result was that my loan got flagged all the way through the system, we went to national exemptions desk and eventually closed over 2 weeks too late with huge financial and personal costs for me and my family. We had to pay contractors waiting fees for weeks and cancel work and family vacations because of XXXX 's incompetence. It turned out my debt to income ratio was too high, which XXXX had known all along since he had all the numbers for months. But he still pretended to me he could close in 14-17 days when he knew very well that would be impossible. He basically dragged me and my family along on an incredibly risky journey, that he had no idea if he could even finish, or when. And all along he kept telling me everything was fine, we would close tomorrow. Then the day after, then the day after. Just completely unprofessional and unacceptable. He had no idea if he could even close this loan, because he knew the numbers were off, and he still took it on. 

My experience working with XXXX was terrible. He never told me the truth about what was going on. He was never on top of the situation, and was constantly surprised by things that should be super obvious - Like the fact that he can't hide a $ XXXXmonth child support payment from the underwriter, or that my debt to income ration has to be at a certain level. He also was never right about timing. He ended up closing 2 weeks too late. Which had grave consequences for me and my family. All in all my experience with XXXX was a nightmare, and I hope nobody ever has to be exposed to what he put me and my family went through again.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

My checking account was closed by my bank, because of another person withdrawing money from my account. The bank told me this was a case of fraud, and they give me a 30 day notice that they were closing my account. I had my Social security check being deposited to this account, plus other electronic withdrawals set up to pay my auto and home insurance. Due to their closing my account, I had to call Social Security to get my check sent to my home address temporarliy, and I had to call my insurance company, and get paper statements sent to my home address. Plus, they would not pay out funds on one of my checks, and they also closed my debit card. Since I am now 70 years, all of this has caused me some serious mental issues, wondering how many more problems I will have because of the bank has done to me.
Consumer complaint received 2018-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (TX)

Eastern Acct. Systems has sent me a letter ( unsigned and undated ) which they said " enclosed, showed their verification of my debt '', that they had in collections for XXXX XXXX XXXX. 
1 ) It shows an address for me at which I have never received mail. A good indication that their customer merely constructed a debt leveled against me and never notified me of same. 
2 ) It has multiple charges for the same item # s. 
3 ) It, in no way, shows any documentation signed by me or indicating I agreed to pay, nor that I had any knowledge of the charges. 
What I have been given as support to their claims only validates my rejection of them. Incorrect addressing, dating that shows three dates of service and only 30 days or less, prior to being turned over for collection. Where is the evidence that they ever sent a notice or invoice notifying me of the claim and opportunity to deny same? 
Nothing Eastern has sent in their XX/XX/XXXX post marked letter substantiates any part of their claims.
Consumer complaint received 2018-07-12
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I mailed an investigation request to XXXX, Experian, and XXXX XXXX. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.
Consumer complaint received 2024-11-19
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

on Thursday XX/XX/2018 I received a text message on my cell phone from PayPal advising a transaction had occurred that was marked as suspicious as a transaction for family and friends in the amount of {$980.00}. I immediately replied NO, indicating I did not authorize this transaction. I then spent 50 minutes on hold with paypal 's call center that night and I never got to speak to a representative. I got into my paypal account, changed my password, unlinked my debit card that the money was taken from, and updated my security questions, as this was clearly fraud. I then see the total transaction was for {$1000.00} because paypal also charged me 2 {$28.00} fees. The next day, I was able to speak with someone. this was the most unprofessional, inarticulate, uneducated call center I have ever spoken with. please listen to these calls ive had with their call center. they assured me this would be taken care of and the funds would be returned to me. today XX/XX/2018, after several days missing over {$1000.00}, I get an email stating my refund request was denied. This is unacceptable. Paypal claims to be the safest way to transfer money and they have not only allowed my information to be compromised, they refuse to refund me the money. I request a full check send to me directly to cover the full amount STOLEN, and a full resolution to this issue. I also would like to know how my information was stolen, why it was denied, and why it has taken so long to get any type of answer. this is ridiculous and Paypal should face fines for their Unfair, Deceptive, abusive practices. They are a UDAP nightmare.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, I made a deposit on XX/XX/2020. The check is made out to my husband and I. Both of us endorsed the check and the deposit was rejected. I spoke to a supervisor who indicated that the reason the check was rejected was due to a regulation. I have never heard of this regulation and have been banking with Capital One for over 10 years. The supervisor could not provide which regulation and was unable to explain the companys policy. The supervisor asked me to go and physically deposit the check and when I mentioned that we are in pandemic, he indicated that this incident had nothing to do with this. However, this bank has no physical locations in XXXX.
Consumer complaint received 2018-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OH)

I asked Sallie Mae to send me all payment information on all previously made payments on a loan Im co-signed on. For a month they have been telling me they would send me the information and they havent. They said I would receive it by email and I havent. They said they mailed it two weeks ago and I havent received it.
Consumer complaint received 2024-11-18
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. (NC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$150000.00} XXXXXXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-12
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: Credence Resource Management, LLC (TX)

I have owed XXXX XXXX XXXX for over 4 years a bill that was just recently bought by a different collection agency, Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. They are now reporting this as a brand new debt and not reporting the age of the debt. They did the same thing last month with a XXXX XXXX  collection account that we ended up paying XXXX XXXX. This is a completely unethical practice. They should be reporting the debt from when it occurred, not as brand new debt. 

The effect this has had on my credit has been huge. For the second time in two months our house closing has been denied just because of this company. This company has brought down my credit score over 50 points each month when the mortgage loan company goes to check to begin closing processes. We have now lost the house. 

When we called regarding the XXXX XXXX  bill, they at no time indicated they had another account for XXXX XXXX XXXX. They are rude, can't speak in a manner that you can understand, and are not helpful at all. They still haven't reported that XXXX XXXX has been paid in full even though they confirmed payment with XXXX XXXX while I was on the phone. 

Reading the reviews and on-line information, they should be forced to correct their reprehensible collection and reporting practices. We want this company to be truthful and report correctly. They are negatively affecting peoples lives.
Consumer complaint received 2018-07-10
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: JPMORGAN CHASE & CO. (FL)

I Received an alert that someone tried to use my identity to apply for a Chase Bank card. I contacted Chase Bank immediately after and disputed the inquiry. I spoke with Chase Bank SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from Chase stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands and my credit reports. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is up to date. We have been making the required payment of {$25.00} a month per their request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-07-11
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)

Requested basic information from XXXX XXXX XXXX Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. XXXX XXXX ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. XXXX  XXXX parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of Transunion. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. XXXX.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I am writing to formally dispute several inaccuracies in the information your company has reported to the credit bureaus regarding my credit account. The account in question is listed under the name XXXX XXXX with XXXX XXXX XXXX the account number XXXX. 

The following details are inaccurate : 1. Date Account Was Opened : 2. High Credit Balance : 3. Date Last Reported : 4. Date of Last Activity : 5. Date of Last Payment : The date of last payment reported is [ Reported Date ]. According to my records, the accurate date of last payment is [ Correct Date ].

6. Payment History : The payment history across all three major credit bureaus is incorrect.

7. Charge-Off Reporting : The charge-off status reported on this account does not align with my records. Under 15 USC 1681c ( a ) ( 4 ), charge-offs must be reported accurately and should not appear on my credit report beyond seven years from the date of the charge-off. Moreover, listing multiple charge-offs on my credit report can improperly extend the statute of limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by your company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracy and reliability of the data furnished. According to FCRA guidelines, the information provided by a data furnisher must be accurate and consistent across all credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft.

I request that you conduct a thorough review of the disputed information and delete these inaccuracies. Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly.

Please respond within 30 days as required under the FCRA. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-07-12
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: World Acceptance Corporation (AL)

My name isXXXX XXXX and i call world finance several times trying to resolve my loan problem and they keeping telling me they have nothing to do with the loan anymore and that they sold it so they cant do nothing about anything on that loan but they still reporting negative on my credit
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Today, XX/XX/2018, I tried to enable an external application called XXXX. When I tried it did not allow me and a message said that Capital One was " blocking youfrom enabling external applications '' and to " file a complaint with the CFPB '' to alert Capital One of the issue.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.