davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CO)

I have made many attempts to make payments to my mortgage company. However, there is such a long hold time during business hours that I can not stay on hold while at work. I risk losing my job. When I am finally able to get ahold of the company to take my payment, they REFUSE to take it. They tell me I have to pay with certified funds the full amount to be current. I have the full amount, but can not pay them in certified funds via XXXX XXXX as they demand because Guild Mortgage only allows for payments up to XXXX via XXXX XXXX. I'm also unable to access cash. I offered to do an ACH, wire transfer, or even electronic check. They refused all funds except cash, which is impossible. Since when can a mortgage company refuse payment? I've never had a payment returned. They won't allow you to make payments online after hours if you're even one day late. They remove your ability to do so. This lender knows that the value of my house surpasses the mortgage by 200 % so I believe they're trying to force me into foreclosure. These predatory practices after covid are far more prevalent than people think they are. Guild Mortgage refuses to take payments in full from borrowers.
Consumer complaint received 2021-06-15
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 (GA)

So it all started when my PPP loan for my XXXX  was sent to my Paypal account to pay my vendors and catch up on all my bills that were due to sustain the life of my business well out of nowhere PayPal decides to lock my account for suspicious activity when there was no suspicious activity in the first place because the bank account that was linked to my Paypal account I had authorization to use and send them written consent and signed and dated the way that they wanted it to be to use the account on my PayPal account well I make one transfer and then I go to make the other one to pay my vendors because the PPP funds are supposed to be spent and dispersed in order to receive your second draw well they locked {$9500.00} down on my PayPal account due to suspicious activity or fraudulent activity when there was no fraudulent activity in the first place I made a transfer to my significant others banking account in order to draw the money off because PayPal has been giving me such a hard time about getting my money well now they have locked my account down with my first draw PPP funds in the account so therefore I can't disperse all my funds that were sent to me which has subsequently cause my business to knock on the closing door I'm currently looking at having to file chapter XXXX because PayPal will not disperse this money that is owed to me because of their policy they're pretty much strong arming me into whatever they want me to do so they can collect interest off my money for 6 months when I'm in a crisis with the life of my business and life of my home and everything pretty much so I don't know what to do I've messaged called I've even threatened to take legal action I have contacted the XXXX  I mean is there any way that y'all could possibly help me with this matter with PayPal they're doing this to a lot of people and getting away with it while collecting interest on people 's money that's needed to sustain the livelihood that they have had before the pre-pandemic times.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

XXXXXXXX XXXX closed on my construction to permanent loan on XX/XX/XXXX with an interest rate of 3.3750 %. XXXX sold my loan to Shellpoint Mortgage Servicing with my payments to begin on XX/XX/XXXX. On XX/XX/XXXX, I discovered that Shellpoint had increased my 30 year fixed mortgage rate to 3.6250 %. I informed both XXXX and Shellpoint about the change in rate on XX/XX/XXXX. XXXX told me that Shellpoint had evidently made a mistake. After many phone calls to Shellpoint customer service, Shellpoint has not responded to me directly to correct the problem and customer service continues to tell me the rate is correct. How can a company change a fixed 30 year rate without some consequences?
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 I XXXX XXXX sold my company car to XXXX for XXXX issued by bank draft. I took the check to Bank of America in XXXX and was told that the check will clear the following business day and was guaranteed that information. At that moment I asked her again and she verified that it will clear tomorrow morning because if it wont I could just take the check to XXXX XXXX XXXX and deposit it. But she specifically said no Bank of America will clear it. The next business day I get notified by Bank of America that a hold was placed on the check and was told that the check issuer will have a high chance of returning the check. I called XXXX and XXXX XXXX and was told that information is incorrect. Once again I call Bank of America to be told lie after lie even when I explained that I was directed under false pretenses as a customer to deposit the check. This is bad banking practices and legally not right to direct customers under false pretenses.
Consumer complaint received 2021-06-15
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. (CA)

There are multiple inquiries on my credit report that I do not recognize they have not been signed or authorized by me I have been disputing these since XX/XX/XXXX and nothing is being done!!!! 

Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : CONTEMPORARY INFORMATI Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : NOWCOM/WESTLAKE FINANC Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : CERTIFIED CREDIT XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX CARD Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I called to get m y Citi Aadvantage card changed to another Citi card. It was very hard to get a human being on the phone so I asked for the cancellation line.  Representative was very unhelpful and rude so I hung up with the intention to call back and speak to someone else. She then closed my account without confirming with me that is what I wanted or reading any disclosures to me. I asked to have account reopened and was told no.
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I've written Debt Validation ( XXXX Letters ) dated XX/XX/2022 addressed to the bureaus for the negative items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also mailed a letter for the Method of Verification. It's been more than 30 days and I haven't received any response. Under the FCRA, unverifiable accounts must be removed.
Consumer complaint received 2022-03-22
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. (TX)

I sent in a formal request for an investigation on XX/XX/, 2022, in which they received the letters on the following dates : XXXX XX/XX/2022 Experian XXXX XXXX, 2022 XXXX XX/XX/ 2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : XXXX XX/XX/ 2022 Experian XX/XX/ 2022 XXXX XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.
Consumer complaint received 2021-06-15
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)

There are three accounts on my credit report that do not belong to me I have tried dealing with the bureaus as well as the furnishers but they will not help me out. I have not signed or authorized or own any cards like these I need them off my credit report ASAP!!! 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was told to contact this company to request a proof. I have contacted them & they have provided no information. FDCPA 809b requires this to be deleted until validate. I have requested validation and they have not produced it.
Consumer complaint received 2017-06-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I have had a contract on my property since XXXX XXXX 2017 and the bank has yet to consider the offer. They began by telling me that I have to go through the waterfall process and I understood that, I sent them over an opt out letter stating that I do not want to be considered for a loan modification, as I am XXXX XXXX and I do not know where I will be sent to next. Now they continue to harass me for bank statements that I have already provided and I am about to loose my buyer. Please help me to be able to get the short sale on my property done, as I do not know what is going to happen from day to day.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (DE)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-06-15
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. (CA)

I have found an account named XXXX XXXX on my credit reports that is a cause of IDentity Theft, I have supplied an Affidavit with exhibits explaining how this account violates my federal rights. You will also find an FTC report for the account. XXXX  Transunion and XXXX  are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( B ).

15 USC 1681b ( a ) ( 2 ) 15 USC 1681c-2 ( c ) ( 1 ) 15 USC 1681o ( a )
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION continues to furnish an account on my credit profile that was previously deleted. Its not mine. And according to the FCRA a consumer has a right to privacy and nothing shall be furnished without my written consent. Also 18 USC 8 says all debts are the obligation of the United STATES. I did not consent to, authorize, nor benefit from this account. 

1. XXXX  XXXX XXXX
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was taken advantage of due to malpractic while severals laws were being broken under the FCRA by your company. This has caused me financial injury, it has caused me defamation of character. I can't get a job, I can't apply for credit. You have hurt my ability to obtain credit and I need this problem resolved.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

I owe nothing to XXXX XXXX XXXX. 
The apartment was provided and returned in squalid conditions and the apartment manager did not show up for nor respond to any communications for the move out. 

Additionally, they did not show up for the lawsuit which detailed their negligence of the property which includes certified reports of Asbestos, which they worsened by illegally drilling into my bathroom walls and leaving substances exposed. 

Same for Black mold, Oil Spills which went without clean up for weeks, and the list goes on. 

This is an illegal debt collection attempt on behalf of both XXXX and Hunter Warfield.
Consumer complaint received 2022-12-03
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. (MI)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (CT)

On  XXXX   XXXX ,    2017 I received a letter ( c opy enclosed ) advising me that m y Sears  Credit Card account had been closed effective  XXXX   XXXX ,    2017. According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned the m who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me  in 3 to 5  business days.     I FEAR THAT TH IS MAY  BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX
Consumer complaint received 2022-07-07
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: ENOVA INTERNATIONAL, INC. (LA)

At the beginning of XX/XX/2022 an account with Net Credit was reported to the credit bureaus, this account was established in XXXX of 2022. I have knowledge of this account. I contacted Net Credit Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on Net Credit website www.netcredit.com but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into Net Credit isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (PA)

I was taken advantage of due to malpractic while severals laws were being broken under the FCRA by your company. This has caused me financial injury, it has caused me defamation of character. I can't get a job, I can't apply for credit. You have hurt my ability to obtain credit and I need this problem resolved.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (IL)

I requested that XXXX  prove to me how they " verified '' that the account with XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. This does not happen. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation (TN)

I currently went through a major financial life change A divorce Ive tried working with the company I informed them Im using a debt consolidation company I currently work from home I have multiple zoom and teams meetings per day Ive asked them not to call back to back They state they have a right because its my cell My office sent all employees home to work due to covid 2 years ago so this serves as my office phone as well XXXX particularly is extremely unreasonable.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MO)

I incurred 6 overdraft charges in one week With regions bank I went overdrawn twice but the bank each time stacked pending transactions in the most advantageous way to take the most charges possible they do the same thing every time so its not coincidental I told them I feel its fair for me to pay two charges I talked to them and they are not interested I feel this is a predatory behavior and needs to be checked Thank you XXXX XXXX
Consumer complaint received 2022-12-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Click n' Close, Inc. (TX)

We paid our mortgage every month on time through bill pay. They changed companies and we never got a letter so they didnt get that payment until the bank re funded it to us and we sent it in immediately. Then they charged us a late fee because they payments change in the middle of the year but never informed us on the bill. We have since paid all of the late fees when they finally decided to call us to let us know we were {$20.00} short on a bill and so they charged a ridiculous late fee. And here we are with a bad credit now because they put it on our credit score.