davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Consumer Adjustment Company Incorporated (GA)

I submitted a previous complaint against this company on XX/XX/25. Received the response back via your website stating that they would delete and notify all three bureaus to also delete the negative information. Yet today I have receive a notification from XXXX  stating the the company added more negative information to the bureau about these two accounts not deleted as they stated in the complaint or in the letter I received from them.
Consumer complaint received 2020-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc. (CA)

An unknown debt to an unknown company popped up on my credit report on XX/XX/2020. I called the number at about XXXX PST and a live person answered mumbled a company name that did not sound like the company reported on my credit report and immediately put me on hold before I could respond. I rechecked the number on my credit report and called ( same number ) again. A live person answered again but more clearly stated the company and quickly state they had another person ahead of me and put me on hold before I could respond. The person got on the phone asks for an account number, I search the collection flag on my XXXX  credit report and find none, they then ask for my name, which I provided hesitantly because again, the transaction is unknown to me and something feels off about the company. They put me on hold to look me up and returns asking for my date of birth, again I am super uncomfortable but provide it. 

They note some details of a transaction still unknown to me. I say as such and repeat it more than once stating I need written correspondence. The phone agent asks " are you trying to evade my questions. '' This makes me even more nervous about this call. They note they have obviously legitimate since they have reported to credit agencies. I note that I just sat through and looked through 6 months of mail and I have NOTHING from this company. I thought I might have missed something because we have had to XXXX  related health emergencies on top of everything else and I have not been good about physical mail. The calling agent becomes agitated accuses me of interrupting them, not allowing them to speak and evading their questions, and puts me on hold. 

Returns and continues the conversation and when I restate I need physical correspondence because I am afraid this may be fraudulent. The agent asks for my mailing address and I freeze, I ask them to pull this from my credit report because I don't feel comfortable giving an unknown company my physical address. They again become vocally agitated and asks for me to provide. I tell them no. They accuse me of not allowing them to speak and said something inaudible before saying they will be transferring me. 

The interaction was very strange. Felt a bit like entrapment or gaslighting and I got off the phone and my hands were shaking. It was a very dehumanizing experience. As a XXXX woman who has worked in corporate finance her entire professional career I was taken aback and deeply concerned. I still don't know that this interaction was not fraud.
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

I have sent {$1000.00} in XX/XX/2020 trough PayPal to this friend in XXXX that helps poor people in XXXX and in XX/XX/2020 I sent another {$1000.00} but he can't receive the money and for some reason He can't accept the refund to have the money returned to me. 
This is a second time that PayPal in XXXX will not give the money to the person that I have send to and will nor return the money back to me, Last year I have sent more than {$6000.00} to a church in XXXX and PayPal didn't give them the money, neither have they sent the money back to me. 
I think that PayPal is keeping the money for themselves and needs to be investigated for fraud, miss leading and lying, They are making their own rules how much they charge per transaction and the rate of exchange. 
PayPal needs to be investigated for taking more than XXXX XXXX from me and not delivering it to the church I have send it I hope that this situation can be resolved Thank you
Consumer complaint received 2020-08-07
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DEISHCARGED XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$3300.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-07
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: National Credit Adjusters, LLC (CA)

I agreed to pay off the debt from the debt collection company and did so. I have a paid in full letter showing that I did. I was told it would come off of my report after doing so and it is still there. I would like this deleted, it is currently a problem with receiving aid during this pandemic. I have attached the paid in full letter showing I held my end of the deal.
Consumer complaint received 2020-08-07
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: EQUIFAX, INC. (CA)

i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports
Consumer complaint received 2020-08-07
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. (OH)

I have retrieved copies of my most recent credit report, showing all 3 bureaus reporting. Have have made multiple attempts to have accounts on my report investigated, with no response to date. I have sent letters with specific disputes of those specific accounts dated XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020 ; to all 3 bureaus. I have made them aware of my decision to file a complaint for non-response, and still have not heard, or seen, any difference in those accounts that were challenged. I now look to you to assist the bureaus in meeting deadlines in a timely fashion, so that I may have some resolution to my credit issues. Thanks.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX JPMCB Home Lending reported that I was over 30 days late on a loan that was closed in XX/XX/XXXX. Each credit bureau shows different payments. This account has consistently had wrong reported information. I have reached out in the past and also disputed the information but nothing was done. This continues to happen. My credit has suffered enough I dont need false information reported. If they cant get the information correct take the account off my report. My next visit will be an attorney.
Consumer complaint received 2020-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Granite Edvance Corporation (OR)

A couple of months ago XXXX informed me of a new debt. I saw there were two debts from a company called : XXXX XXXX XXXX for a total of {$4700.00}. I immediately filed a dispute since they debts are not mine. Unfortunately, the dispute came back from XXXX as accurate information. This urges me to begin considering that this is criminal activity. I do not have these debts. I tried calling the company, but there is only a message that says, " Goodbye ''. The number listed on XXXX XXXX contact form is XXXX. 

I'm convinced this is criminal activity. It's some strange deferred payment loan which I've never had.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BAY VALLEY MORTGAGE GROUP (CA)

Bay Valley Mortgage Group Inc. dba Pacific Bay Lending NMLS id XXXX was the lender our company submitted a conventional loan too. On XX/XX/XXXX we submitted a refinance in the amount of XXXX with a loan to value of 78 %. The borrower resides full time in XXXX XXXX Arizona. The borrower provided us numerous documents to support this home as there primary residence. On XX/XX/XXXX our company requested an update as to when the LE would be sent out to the borrower. The lender provided us a screen shot of there turn times, along with the date of XXXX they LE would be sent out. Per the disclosure department they claim disclosures turn times are 48-72 hours. This would mean they disclosures should have been emailed out on no later than XX/XX/XXXX. The first area of issue was during this time. The lender tells us the borrower must wet sign them and mail them back to them. BUT our AE, and disclosure team tell us they had to " back date '' the disclosures to insure they were in compliance. This is the first area of business concern we have. Next, was the loan underwriting disposition. On XX/XX/XXXX the lender partially underwrites the file and immediately suspends it over occupancy concerns. Immediately our company asks questions. The lender and there staff refuse to respond and address the concerns. For example, we asked about XXXX XXXX  guidelines, DU approval and the findings and so on. We submitted over 13 different documents to support the loan as a primary residence and this lender demanded XXXX tax returns. We informed the lender the borrower is on a extension and the response was if you can not provide XXXX returns the loan is declined for credit. We attempted to work through this but the lender refused. Finally, after 19 emails, and calls to many higher up people we got a response. The lender countered the loan to 2nd home occupant and the loan rate and pricing would remain the same. Well, then we asked what the ETA was for this correction the the AE and account manager refused to answer. Again we escalated. At this point the lender inserted there legal counsel. Mr. XXXX. He was less than helpful and threatening too. He claim that the senior manager XXXX XXXX just did not want to do the loan unless we provided the returns. We asked to speak to Mr. XXXX and was told he doesn't talk to anyone and will not talk to you. At this point we felt the lender was discriminating against us as a originating party and penalizing the borrower. Also we feel mortgage redlining is involved in this loan too. Our borrower is a highly qualified borrower and ultimately the lender said your terminated we will NOT deal with this loan or your company.
Consumer complaint received 2020-08-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Today XXXX XXXX me and my fianc visited Bank of America Branch in XXXX XXXX nc To cash our insurance check. We went through the drive through and was told due to the amount we have to come inside and their is an XXXX $ fee. So my husband goes inside and a XXXX woman refuses to cash the check for us because according to her was over their withdrawal limit. We left then tried to call to speak to branch manager got hung up on and then called back over 10x and no answer. So we drive back to that Bank of America I was greeted very hostile by a security guard like they were waiting for us and I was asked Y was I there. I asked for a branch manager was told there wasnt any manager there I advised them a bank or credit union can require identification before it cashes a check. However, if you are at a bank or credit union where the check is from and you show the identification they require, the bank or credit union must cash the check if there is enough money in the account on which the check is written. I told them my insurance uses them for a bank. I was still told they would not cash the check and to go to my bank. Then I meet another customer there to do the same thing and was also XXXX  told me he didnt have an account and no problem cashing his XXXX dollar check. I was racially profiled and denied the cashing of a check from someone who has an account with them. Im looking to file this complaint and after take legal action for discrimination which has been proven in the past that this bank does and thats the reason we didnt want to open an account with them
Consumer complaint received 2016-03-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: McCarthy, Burgess & Wolff, Inc. (PA)

Received cell phone call from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX on Wed, XXXX XXXX 2016. 

Call went as follows : Me : Hello? 
Caller : Hi, is XXXX there? 
Me : Who is calling? 
Caller : XXXX or XXXX? from ( inaudible ) - said while covering his mouth Me : From where? 
Caller : XXXX XXXX and XXXX Call was terminated at this point. 

The caller had very obviously covered his mouth with his hand to purposely obscure the name of the business so that the source of the call could n't be identified. 

That bears repeating. To ensure that I could n't hear who was calling, the caller covered his mouth when asked to identify from where he was calling. Nor did he mention that he was a debt collector. I had to come about that information by searching the name of the organization on the internet.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (TN)

A XXXX XXXX XXXX card was fraudulently opened without my knowing on XX/XX/2022. This credit card account has negatively affected my credit score.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX, XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Trans Union several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

Yes they closed my account due too activity. I'm.on XXXX going thru hardship. They also hurt my credit score. Not fair what they did. I would like them too give the credit back too me. Help my score. I was not able too see XXXX due too corona viruses. That's why was not active.
Consumer complaint received 2020-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was late on payments in the winter due to Covid 19. Capital One never sent a bill or called me to try and work with me on my missed payments! I called them a couple of times and was on hold for at least a half hour.. I was really late catching up because I work in the XXXX field and was hit hard with my job. I got all caught up and asked them multiple times if they could take my 30 day installments off of my report now that I'm all caught up.This was all due to the pandemic!
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (GA)

First Progress credit card has shared information with XXXX, XXXX, and XXXX of XXXX late payment dated XX/XX/2021. This one late payment has been reported incorrectly and has been a hinder in my life.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (AZ)

Specialist id # XXXX Covid19 XXXXXXXXXXXX  XXXX XXXX I don't think I have ever received worse service and customer service from a company in my entire XXXX  years of life. 

After being approved for forbearance from XXXX/DovenMuehle Mortgage/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-07
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: CITIBANK, N.A. (MD)

I have been monitoring my credit closely this past year because I am in the home buying process and I received a notification from my XXXX XXXX saying a had a delinquency on an account I paid off in full, I opened the MACY 'S app to see and I was hit with a negative mark for a interest carry over fee of {$1.00} - I called them immediately last XXXX and explained to them and was assured that it was removed and taken care of and would not hit my credit report. I applied for a house today and the lender came back saying I had 90 day late from MACY 'S so I contacted them immediately again today and explained what happened and how I made the call and was told it was rectified. 
The associate on the phone was rude and not helpful and I asked to speak to a manager- He was much more helpful and polite but still stated there was not any evidence I had ever called. I explained to them I most certainly did call because I was in the home buying process and it was priority to me. The dates are XXXX and XXXX of XXXX. My credit reports now shows a 60 day delinquency over a {$1.00} charge that I did not even know existed and was told by a agent that it had been removed and it would take 30-45 days to update on my credit report. Now this is hurting my score and the the buying process. I believe when I made my initial call the employee did not take proper notes and did not to what I was told was done and now I am in a bad position. I would like this to be investigated further and am still requesting MACY 'S to remove this my credit report. I have paid them in full and do not owe them any money.
Consumer complaint received 2020-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

The Options provided when making an overpayment are " No, advance my due date by the number of payments I cover '' or " Yes, Bill me for my future monthly payment ''. I wanted to make sure that my overpayment was applied to the principal of the loans I specified, but neither option made it clear how the overpayment would be handled. 

The first option about advancing the due date has an added line that " continuing to make payments will reduce your total cost of borrowing '' which in my opinion has been added to direct more people to click the first option. 

I called Navient XX/XX/2020 and spoke with a representative who did not seem aware of the options and implied that selecting the first option to advance the payments would also apply overpayments to the principal. She escalated the call to a supervisor who explained that the second option " Yes, bill me for my full monthly payment '' meant to apply the overpayment to the principal. I explained that this seemed intentionally misleading and that I would be filing a complaint. I was then transferred again to a special escalation team who said they would document and share my concerns.
Consumer complaint received 2020-08-07
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (VA)

Due to the fact I file for bankruptcy. Even though the bankruptcy was discharged 7 years ago. By the way, the mortgage was not part of the bankruptcy. They want the bankruptcy removed. Therefore, due to the fact I am on time with my mortgage. I want you to report my mortgage to the credit bureau