davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CrossCheck, Inc. (IA)

I had a check that bounced and but when it was re-deposited it cleared. A company by the Name of Cross Check assessed a fee. They have put a tag on not only the account that the check was written on, but also my other checking account. I would be happy to pay the {$35.00} fee and be able to write checks, but when I try to contact them, they give you no option to talk with someone or how to pay the fee.
Consumer complaint received 2016-06-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (CA)

XXXX XXXX sent me to collections. I began paying the collection agency ( United recovery Systems in XXXX ) every month and when I did, I received a notification from XXXX XXXX via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to XXXX XXXX. When I call XXXX XXXX, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that XXXX XXXX gave me for XXXX XXXX, they answer the phone, saying, " XXXX XXXX '' and say they are not Nationwide Credit. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?
Consumer complaint received 2015-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LoanCare, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXXLoan # XXXXTo whom it may concern, Recently I enrolled for equity accelerator program, however, I change my mind and canceled it couple days later.I thought I have 90 days from the day after the enrollment. I do n't know that they count back in 2013. No boby explain for me before they reinstate my enrollment.I call to request enrollment fee to be waived because of the lack and unclear explanation. I though when I cancel the program the enrollment fee is not be charge That why I canceled the program. I am writing this email to request the {$290.00} enrollment fee is waive because I never use the services.the problems happened because of unclear explanation.
Consumer complaint received 2022-10-01
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 (CA)

On XX/XX/2022, XX/XX/2022, and XX/XX/2022 a merchant called XXXX XXXX XXXX XXXX charged my wells fargo checking account in three different occasions. Wells fargo is saying because I have a history of buying online crypto in the past from other crypto websites they won't investigate or protect my account from these three unauthorize transactions. In what world does me buying from another site, automatically " disqualifies '' my account from having protection?
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (WI)

This morning I received an e-mail from PayPal Credit regarding my " account ''. As I have NEVER opened an account with PayPal Credit, nor have I ever applied for a PayPal Credit account, I thought the e-mail was a fraud. I logged into my PayPal Account, which has been active for several years, and discovered I had a PayPal Credit account with charges and a credit line of {$2500.00}. I saw charges on the account that I had recently made, but I had no idea how they ended up in PayPal Credit. I called PayPal and was told that I had clicked on " PayPal Credit '' when I made my purchase. I told them that I had never applied for credit, and that these charges were to online businesses that I had used regularly over the years and that my PayPal account was set up through my debit card and linked to my checking account so that charges would come directly out of my credit account. The employees ( I spoke with XXXX of the customer no-service reps ) insisted that I had clicked on PayPal Credit at the time of my purchase. If that 's true -- and I maintain that it is not -- and since I 've never applied for credit with PayPal -- then how was I able to run a charge through a credit account??? This must be some kind of scam that PayPal is running to trick people into using PayPal credit. ( 1 ) No one should be able to click on credit and receive credit unless they have applied for credit with PayPal -- that 's a no brainer!!! ( 2 ) PayPal will not remove the account from the credit agencies -- they require me to fill out a form because they insist that I clicked on " pay with PayPal credit ''. I 'm working hard to clean up my credit to apply for a new loan, and this PayPal account is going to set me back 30 days until that balance clears off the credit report. This infuriates me!!! 
PayPal should not be permitted to sign its customers up automatically for PayPal Credit unless they have specifically asked for credit and filled out a credit application. In my entire adult life ( I will be XXXX this year ), I have never been given any kind of credit unless I asked for it and filled out a credit application. How can PayPal be allowed to get away with this scam? I 've been using PayPal for years. If they 've done something to their check out process to make PayPal Credit the default, then this should not be allowed. PayPal Credit should be a prompt and a confirmation that PayPal Credit was the choice the consumer wanted. I believe this who PayPal Credit is a big scam. 
I have closed my account with PayPal and will be changing my debit card number just to avoid any future scams from PayPal.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

Hello, I was given a mortgage trail period plan in the amount of {$2200.00} and also told that this amount may not change if a modification is offered and my APR is 7.35 %. I submitted my monthly income which is less than what the mortgage company is asking and I believe they are setting me up for failure with a unobtainable mortgage payment. I will be in the same position after paying the trail payment plan as I am now. I really am trying to keep my home. I have to accept the offer by XXXX XXXX, 2017 or I will be faced with a sheriff sale date of XXXX XXXX, 2017. I believe I am a victim of predatory lending. Attached please find a copy of the trail plan and my pay stub. Thank you in advance for your consideration.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

equifax is reporting XXXX student loan accounts with the State of NJ XXXX that are passed the statute of limitations and should be deleted from my credit report. They are already deleted from XXXX and XXXX but Equifax continues to verify the accounts when in fact the original creditor already agreed it should be deleted. The account numbers are XXXX ; XXXX ; and XXXX.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

In XXXX 2015, I terminated a lease early with XXXX at XXXX XXXX in XXXX XXXX, FL. The lease stipulated if the lease was terminated early that I had to pay 2 months rent at termination. I went to my bank and got a money order for the amount that was due less my Security Deposit. I withdrew {$1400.00} from my XXXX XXXX XXXX account and used {$220.00} in cash I had on me to get the money order. I gave it to the XXXX XXXX one of the property managers. She gave me a release that showed no further money was due. In XXXX 2015, I received a notice from XXXX saying I owed {$1600.00}. I immediately disputed this with XXXX and contacted XXXX at XXXX XXXX who denied receiving the funds and had no explanation as to why they never contacted me before turning me over to collections. I have disputed this with XXXX and both XXXX and Equifax to no avail. I have hired an attorney who sent demand letters which were met by legal threats against me. This has cost me a job and hurt my ability to obtain credit. I just want this incorrect information removed from my credit report.
Consumer complaint received 2015-08-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SCV Inc. (AL)

I TOOK OUT A SMALL LOAN AND PAID THEM OVER XXXX THEY WENT OUT OF BUSINESS ( XXXX ) I TRIED ON NUMEROUS TIMES TO CONTACT AND NOW THAT WE ARE TRYING TO BUY A HOME A SMALL LOAN IS NOW XXXX. XXXX WAS SHUT DOWN BY FEDS I READ SO NOW SOME GUY HAS BOUGHT THE ACCOUNT AND I AM TRYING TO SETTLE BUT THEY WILL NOT EVEN CALL ME BACK. I HAVE PROOF I PAID IT. IT TOOK ME AND XXXX XXXX TWO WEEKS TO EVEN FIND THEM THEY HAD SOLD IT SO MANY TIMES. THE INTEREST IS 97 %. THIS SHOULD BE ILLEGAL.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MO)

I have been unable to pull my Equifax file either from commercial sites or XXXX 
I have also been denied credit due to the inability to pull my Equifax file to my detriment. 
I can not dispute my file online with Equifax because they have incorrect information on me and I can not begin until they correct it which they have not. 
I have spent many hours on the phone with Equifax , and have mailed the requested identity verification documents to Equifax without success. 
Please check carefully there is NO SPLIT FILE, and my date of birth and address is correct.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TN)

All three credit bureaus : XXXX, Equifax and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve it.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I demand that Seterus return any money they have received toward the supposed servicing of my loan! It has never been my intention to pay anything to Seterus until they provide legal documentation on the proper, and legal, transfer and ownership of my loan ( as per legal record XXXX does not own the loan ) and then legal documentation/authorization from the owner that Seterus is servicing the loan. I 've asked for such documentation since Seterus first began their extreme harassment and I 'm still asking for it. I also spent years asking XXXX XXXX XXXX for this information and I have received XXXX of pages of documentation, even forged documentation, but still nothing regarding the ownership of the loan. I simply did not realize that Seterus was forwarded funds from XXXX and Seterus is simply holding and benefiting from holding funds by not at very least applying to funds toward the principle of the loan.
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GU)

A company called XXXX is showing up in my credit report I am not familiar with this company stating I owe XXXX. Showing fraudulent. I am disputing this. I need to get a hold of this company. I want to know why is there company showing up in my credit report. This is showing up in TransunionI have tried emailing and calling.
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

I have a Incorrect reporting in my Equifax, XXXX XXXX, and XXXX.Credit report. They are reporting incorrect information and refusing to remove it. I have sent them Dispute letters and asking them of validation including plaintiff, Plantiff 's attorney, Creditors, amount, claims, assets, exempt amount, The exact date of filing. Trustee, who did they speak with They just send letters stating that they verified it with the bankruptcy court! That 's a lie, I contacted the bankruptcy court and they informed me that they DO NOT provide information to the CRA. Also they are refusing to remove chapter XXXX after 7 years. I asked how can there be a Chapter XXXX without plaintiff 's creditors, assets, amounts? They just say it 's verified. 
Your help with this mater will be greatly appreciated.
Consumer complaint received 2017-04-28
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. (FL)

I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did  XXXX , Equifax, and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.
Consumer complaint received 2015-12-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED MORTGAGE CORP (FL)

I started working with United Mortgage Corp out of south florida. The first phone call was great, they really are good at pulling you in! I spoke with the manager for over an hour and then i was passed off to XXXX XXXX. He thought he would be able to get my a conventional loan and after put the the software stated i would need to go FHA. I was original told my rate would be no more than 4.5 % max. He told me the fed came out and rates went up ( this was XX/XX/XXXX ) ( rates haven risen yet, but most likely they will later today XX/XX/XXXX ). Anyways my rate was now 4.875 % for conventional but since i couldnt do that he locked me in at the same rate for FHA!! i was skeptical, i called another firm and he told me that he could get my FHA at 4.25 % about a {$50.00} a month in payment based on my principle. His lending fees were also over XXXX the new guy was XXXX. I feel that if i wasnt willing to take a risk to try the new lender ( i was already under contract ) i would have been stuck paying a much higher rate than i am now. I know it is illegal for mortgage lenders to make money off the spread but why was their rate over .5 % more? Someone padding pockets at UMC? Please use UMC in XXXX XXXX XXXX if you never want to be able to reach your loan originator, and want to pay a rate way to high! Oh yeah XXXX XXXX also lost another mortgage of a client that was working with the same real estate broker as mine and he has the nerve to ask my realtor why he is losing business. XXXX ITS BECAUSE PEOPLE ARE NOT IDIOTS AND ARENT GOING TO OVER PAY YOUR RIDICULOUS COMPANY
Consumer complaint received 2021-01-18
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

This is my husband 's XXXX school. I should be listed as a co-borrower and they have me as primary. But most importantly, they are reporting inaccurate information. We are current on this loan as we have monthly automatic payments taken out. They have fixed the error with my husband 's credit report but are refusing to correct mine. 

The company has refused to correct the issue and Equifax has closed any and all disputes stating the creditor has validated the account information. I have attached supporting documents, supporting my claims.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect. I just talked to XXXX on XXXX/XXXX/2017 at XXXX and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

on XX/XX/2014 XXXX Placed an inquiry on my credit report .it was an false inquiry. on XX/XX/2014 XXXX sent me a letter to send to the credit bereau's 
XXXX and XXXX removed the inquiry, but to this day equifax still will not remove it affecting my credit.also there are some other inquiry that should not be on the equifax report also.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

still charging me for my credit report unable to retrieve credit report on my own. have to call customer every time. they refuse to fix the errors have me calling to verify info have called but errors have not been fixed for over a year. ca n't dispute my credit report. always get error. charged me XXXX XXXX and XXXX refuse to give refund. sent numerous over XXXX escalation tickets up to technical but instead of fixing my credit report they cancel my service instead of fixing it. they do n't want to do anything back send you on your way. when you call they send your call to XXXX than about XXXX to XXXX people later you might get the us Equifax. why over a year they have not fix my profile. they should take a look at transunion they do n't have problems.
Consumer complaint received 2016-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I contacted the hospital and was making {$50.00} a month payments. They agreed to accept this amount. I have been making these payments and they turned it over to collections wrongfully. I strongly refute this and request immediate removal from my credit report. Besides, why is there a medical bill charged against me on my credit?
Consumer complaint received 2020-08-18
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. (TX)

I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019, a fraudulent withdrawal was made from my bank account through paypal. I immediately contacted Paypal and notified the company that this was fraud. I asked that they ( 1 ) return the fraudulently taken funds, ( 2 ) change my account from XXXX back to XXXX ( the hackers changed the language ), and ( 3 ) close my account. Paypal debited my bank account the {$1000.00} that was stolen. However, the company placed on my account a negative {$1000.00} charge. I repeatedly attempted to contact paypal and speak to a customer service representative, but could never speak to an actual person. I also attempted to send the company emails. No action was taken to help me. As far as I know, my account is still in XXXX and has not been cancelled. 

Now I am informed that Paypal has sent me to collections so that it can recover the {$1000.00} that appears negative on my account, although this was an action taken by Paypal in response to fraudulent charges that appeared on my account in XX/XX/2019. I have not been able to speak to a single person since this ordeal started months ago. And I should not be required to send money to Paypal that I do not owe. I also can not login to my account to contact the company that way. They have been imposible to communicate with and now they have sent me to collections because of the response they took to fraudulent activity on my account.
Consumer complaint received 2015-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

For past 3 years, have been jerked around first from XXXX to Seterus. We fell behind mortgage payments, had to move out of house for major repairs on first floor due to Hurricane XXXX. XXXX promised to do loan modification. It took forever to process, many documents. Wasted time. Papers were lost and resubmitted again and again by us. Loan mod was much too high for us. Now we are dealing with Seterus. No help there either, nothing. After XXXX loan mods we refused the third XXXX and the fourth and fifth XXXX. The past amounts were nothing we could afford. Even a blind man could see that there was no way we were getting an affordable loan mod even if we filed XXXX loan modifications. I had to stop working XX/XX/XXXX. Money became almost non-existent. Nobody can or will help us. Spoke to many agencies, lawyers. Nothing. Can we now do a short sale? And will we be held liable for the difference if the amount of the sale is lower than what is owed on the house? I ca n't get a straight answer. Is there any sign of intelligent life out there? House is for sale XX/XX/XXXX and current realtor has not been able to get a buyer. Nobody shows up for any open houses. The house is in excellent condition because we spent time and money on it. We will leave the house XX/XX/XXXX. We are done here and I understand these mortgage companies do n't care. But knowing we are XXXX they have proceeded to treat us like immigrants who lack intelligence. By withholding info we needed and the delays, everything fell down the tubes for us. Nobody at XXXX or Seterus cares about homeowners. That 's evident to me. They have a bad rap. That 's what I hear all over town!! Somebody needs to do something to make sure others do n't experience the same situation as we have and lose their home where they paid mortgage for 22 years.