davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cooling & Winter LLC (FL)

Between  XXXX   XXXX  and now my daughter { name hidden } has tried contacting  Cooling and Winter  at  XXXX  to settled a judgement debt that I owe. She has been calling and calling to no avail. She spoke with a woman name  XXXX  who told her there were only  XXXX  agents that accepts call and they are in the garnished department. She and others has transferred NOT ONLY me ( but my daughter  )  to  XXXX   XXXX  out of the  XXXX  reps ) and we have left Voicemails after voicemails with specific instructions on when and how to call my daughter { name hidden }. On  XXXX   XXXX ,  2017 , my daughter received a call from someone name  XXXX   XXXX  who told her that before he can speak with her, he would need a letter of authorization from me. He advised her, once he received the letter, he will call her back. He gave her his email address to email the letter to  XXXX  XXXX  XXXX . The letter was written and signed by ME to allow  Cooling & Winter  to speak with my daughter regarding this judgement.  XXXX   XXXX  did NOT call neither myself or my daughter back. My daughter called the same day, the next day and the next day to no avail. She even left a message and we quote, " Why is it so hard to get in contact with someone to take care of this judgement? '' We have never called a collection agency just to be told there are only  XXXX  people that can help us with are debt and when we are trying to get a hold of someone to pay our debt in  FULL  it 's like pulling pins and needles. This makes no sense that we as the debtor is trying to pay and have something that is affecting my credit taken care of and have a very difficult time trying to get a hold of someone. I feel like this company is doing this to collect more money or something. This has taken too much time and energy for something that we are trying to pay and satisfy. This is a joke and a life within itself. It is  XXXX   XXXX ,    2017  over a month and no one has called us. She left a message on Thursday and Friday and again NO ONE, I repeat NO ONE has called back! At this point, I do n't know what to do but file a complaint against the company to them, news cast and anyone else who would like to listen to point out how when a debtor is trying to pay and satisfy their debt in full, a collection or judgement company is refusing payment and/or not returning their calls. Very sad and the  XXXX  is affecting me from purchasing a home. I would like this judgement remove for their incompetent, unsatisfied, in responsive actions.
Consumer complaint received 2017-06-03
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: Experian Information Solutions Inc. (LA)

I contacted Experian with a dispute towards XXXX XXXX and XXXX XXXX XXXX. They sent me back correspondence saying it was verified two days later but never sent me how it was verified. I 've asked for documentation supporting these companies saying the accounts are verified and they have n't. I 've disputed these items multiple times and I keep getting the same results. <P/>XXXX says my balance is {$670.00} XXXX XXXX XXXX XXXX says I have three accounts for {$500.00}, {$320.00}, and {$350.00}
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I purchased a {$100.00}   XXXX   XXXX    XXXX  gift card on  XXXX   XXXX ,   XXXX   and  XXXX  {$100.00}  XXXX     digital  gift cards on  XXXX   XXXX ,   XXXX   fro m PayPal Digital G ifts on  XXXX . When I tried to use these gift cards in  XXXX    XXXX  , I found that the  XXXX  digital gift cards had no value in them anymore. Numerous people have reported similar issues wit h PayPal Digital Gifts. I  contacted  PayPal Digital Gifts re garding the issue in  XXXX    XXXX   and then received a call telling me they would look into it. However, I 've never heard back from them since. I tried to conta ct PayPal Digital  Gifts again but received no response. Therefore, I 'm seeking aid from CFPB and your help in this matter would be greatly appreciated.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: URS Holding, LLC (CA)

I have been a long time Customer with XXXX. I have their store credit card XXXX account # XXXX XXXX. Last year I suddenly received a debit collection call and got called at my job in a XX/XX/2017. The call caught me off guard and honestly I was very embarrassed to get the call at my job. The person on the phone was extremely rude and aggressive with the call the purpose. They harassed me over the phone to make a payment option so i did. I told them I had NO idea I was late on my XXXX payment so to know I am in collections is a shock. The person couldnt careless they went on with their written script and put me on a payment plan. Since then Ive tried to call XXXX ( XXXX ) and have been told my account is no longer with them. The repsentative referred me to XXXX creditor telling me that XXXX was the creditor for XXXX. I called the number provided by the rep ( XXXX ) and it routes me back to the debit agency.
Consumer complaint received 2017-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

In XXXX XXXX, I had a hospital stay at XXXX Hospital in XXXX. A couple of years later I received a collection notice from Pro Collect. I called them because I had no idea what it was for - just an amount & please pay. I told the rep this was the first I had heard of any past due amount & why am I just learning of this now, two years after the fact. I am covered by two insurance companies - I had received no notice of any amount not paid. I was told they had taken over for the previous collector because " they had dropped the ball ''. I told them I would need verification of the amounts and had no plans to pay because they said so. I never received any verification, just continued phone calls & the promise that verification would come.
<P/>
I should note I worked as a XXXX XXXX for the XXXX XXXX during that time & many many people came in to mail certified letters to this company disputing their claims - all from XXXX XXXX as the provider. Same story as mine.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Cadence Bank (MS)

My mortgage loan with Bancorpsouth in MS may have been subject to discriminatory financing. Although our mortgage was approved, the final loan had a higher interest rate and PMI than originally estimated. The interest rate and PMI used in the good faith etimate was 1 % lower than our " lock '' rate and the Final PMI was {$110.00} more. Even their our LTV was only about 82 % we are paying extremely high mortgage interest. I am asking for an immediate refinance to explore other loan products.
Consumer complaint received 2017-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

Hi my name is XXXX XXXX I been have trouble with Wells Fargo home mortgage every year I send them a copy of my receipt and then they said old it went to someone else 's account it will be fix so now they send my money back foe the month ofXXXX of XXXX so I just been put the mney on the side and I apply for a modification and I send the mortgage a copy of everything they ask me for a copy of my award letter from my XXXX XXXX and a copy of a award letter for my sister she stay with I and so they call on XX/XX/XXXX and told my sister that they could not get an copy of my XXXX XXXX from thr IRS and I told them I do not file tax my sister do n't file taxs allso the man name XXXX XXXX XXXX IS IT ALL RIGHT THAT U GAVE ME A VERB STATEMENT THAT U OR YOUR SISTER DONT FILE TAXS SO THAT was find XXXX XXXX call on XX/XX/XXXX and Said the modification was not approved and I ask why XXXX said something was wrong with the document and I ask what and he told I he could not said so I call the XXXX XXXX and ask them can they send the mortgage company the verification letter of how much I received and they told me they can only send it to me so I send it to them again and my sister is Waite for her verification letter from her social security I received {$1200.00} and my sister received {$1500.00} a month and after they take of she received $ XXXXand my month mortgage payment is only XXXX and I no THAT more then enough I did some reach search on wellsfargo and they are very prejudice they gave XXXX XXXX a hard time and they like to take XXXX XXXX HOME I all so ask can I pay the regular note and a half note and XXXX XXXX said they can not do that and went u look on the web about what kind of hardship they have they one of them so can u all PLEASE HELP ME TO SAVE MY HOME MY BALANCE IS ONLY {$41000.00} thank u very much XXXX XXXX every thing they ask me for I gave it to them
Consumer complaint received 2017-06-04
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: EQUIFAX, INC. (NJ)

On Saturday   XXXX   XXXX   XXXX   I looked at an updated credit report and notice for negative accounts were re-inserted into my credit report. These four accounts were previously deleted and blocked due to ID Fraud. Equifax is re-inserting accounts that were previously deleted by the creditor as fraud and I have attached my supporting documentation.   XXXX   XXXX   XXXX   XXXX   was deleted back in  XX/XX/XXXX  and deletion form from them is attached.    XXXX   XXXX   XXXX   and   XXXX   XXXX   ar e fraudulent account and they were removed in  XX/XX/XXXX  and the deletion report from Equifax is attached along with the FTC Affidavit. Instead of adding my positive accounts that they have removed they are re-inserting negative fraudulent accounts that has been previously removed. There is something seriously wrong here. There is something seriously wrong with Equifax and their reporting incorrect and correct information. As I have stated in previous complaints about Equifax they are single handedly ruining my credit. They have no clue at what they are doing. Remove the accounts now!! I am going to lose the home that I am trying to purchase because of their negligence
Consumer complaint received 2017-06-04
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. (AL)

I have submitted numerous disputes about inaccurate accounts on my Equifax report. There are three accounts that have been removed and replaced on my credit report without my knowledge or consent. The two accounts are   XXXX   XXXX  ,  XXXX  &   XXXX   XXXX  . I have proof showing that these accounts have been removed but upon checking my report, shows that both accounts have been added again.
Consumer complaint received 2017-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Garcadia Financial LLC (GA)

I recently purchased a car here in  XXXX  at a  XXXX  dealership who chose  Foursight Captial  as the financial institution. On the paper work I made sure it stated that I get paid on the  XXXX  day of each month. I did not want to be late making pymts. The payment is due on the  XXXX  of the month. The dealership said it should n't be a problem because there will be a  XXXX  day grace period. I agreed to mail the check on the  XXXX  of the month.  <P/> On  XXXX   XXXX  I received my   XXXX   call about paymt not being there on the  XXXX . I explained to the young man about my  XXXX  of the month pay. I asked if i would be called every month on the  XXXX  since they now know my situation, he said no. Told me that he would make a note of it in my file. I got a call on the  XXXX   XXXX , and on  XXXX   XXXX . This is harrassment. I have owed out more money than this and have been financed through banks. I have never gotten harrassed in this fashion. I guess because they were legitmate and professional financial instiutions.  <P/> Something has to be done about the way that  Foursight Capital  does business with its customers. After all if it were not for us they would not exist. From what I understand they can change the due date only after you have paid them   XXXX   times. They do this because they know you ca n't pay them until you get paid so they can still money from the customers in late fees. Did they not read the information that was given to them at initiation of the loan? It clearly stated that I get paid on the  XXXX  of the month. These people are not professional they need to be investigated for illegally taking money from their customers in the form of late fees that they deliberately set up to benefit themselves. I want them to STOP calling me!
Consumer complaint received 2017-06-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I disputed XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX with experian and they did not validate or provide any contract. i submitted a second dispute on XXXX 2017 and they sent me a letter basically stating that it was not relevant and they would not re dispute.
Consumer complaint received 2017-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

XX/XX/XXXX approved for {$800.00} loan. I did not know about the  659.6368 APR unti l the money was posted to my bank account. My loan payment schedule is stretched out to XX/XX/XXXX paying over {$200.00} twice a month. THIS SHOULD BE ILLEGAL. This is the first action I 've taken so far. Please help!!!! Thank you.
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (MD)

I believe my identity was stolen ... I received a call from father some law office XXXX XXXX XXXX XXXX XXXX stating about some charges ... then I was contacted today by them stating if I did n't respond ... they did n't hear back from me they would contact the county clerk office ... I called them the gave me Ge Money bank ..and said I made some payments on a luxury vehicle using a master card ... I do n't own a master card and nor have I owned a luxury vehicle ... I believe my identity may have been stolen
Consumer complaint received 2017-06-03
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: EQUIFAX, INC. (TX)

I had several deferred loan modifications with XXXX XXXX XXXX. Between the years of XXXX and XXXX. During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In XXXX I was one of the consumers who really could not afford a mortgage but was given a loan any way from XXXX loan and some time shortly my loan was transferred to XXXX XXXX. I knew there was a law suite with XXXX XXXX but I did not under stand why. Can someone please tell me where do I stand on this issue.
Consumer complaint received 2017-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

XXXX XXXX Ditech Loan # XXXX On XXXX XXXX, I cancelled my automatic direct debit of {$700.00} with Ditech, as I finally had a refinance with another company that was about to fund. My direct debit was scheduled for the XXXX. On the XXXX, the same day I funded, Ditech still pulled the money out of my account. I called customer service and they said I had to notify them 8 days before the XXXX in order to avoid the withdrawal? My refinance wasnt even approved 8 days prior to the XXXX. I called again on XXXX XXXX and spoke to a supervisor who said my money was on the way. I then received an escrow shortage check in the amount of {$30.00}. How is this possible if I dont even escrow with Ditech? It is now XXXX XXXX, and I still dont have my money. My new mortgage payment was due on the XXXX. Im not made of money. I spoke to customer service yesterday and they now say I have to wait 30 days. So to get this straight. Their process is to refund monies that are no longer theirs, 30 days after theyve taken the money? Why? Why does it take a mortgage lender 30 days to refund money that is no longer theirs? Most financial entities are 7-10 days-pretty standard. Ditechs abusive policies jeopardize the livelihood of those that are trying to do the right things for themselves. Now, Im tarnished with my new lender. I want this complaint with Ditech addressed and a detailed response to my situation, vs. a canned approach from them.
Consumer complaint received 2023-02-10
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said th at one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. Th e attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CT)

I received an email on XX/XX/XXXX that my card was closed due to a review of my account. I was told that my card was being closed due to delinquent activity ( from XX/XX/XXXX which was a card I never opened in the first place ) and a high credit utilization for my overall credit. I opened this card in XX/XX/XXXX after the " delinquent activity '' took place. I also had a higher credit utilization when I applied for the card then what I have now. I do not understand why it was ok for me to be approved, but now I receive a review ( which I did not ask for in any capacity ) in a better situation then when I applied and I all of a sudden lose my account. This is extremely unfair and frustrating. Now, my overall credit utilization will be a higher percentage and will lower my credit score. I also have never missed a payment and by the end of every month I have a XXXX  balance on the card. I tried to call to reopen my card and was told that it was closed and there is nothing that can be done, however, I can apply for a new card. How they can even recommend that is absurd to me as they just closed my account for " credit reasons ''. Miserable and unfair treatment.
Consumer complaint received 2017-06-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I have been dealing with   XXXX   XXXX   XXXX   (   XXXX   XXXX   ) for over two years now but my ability to continue full time work is now questionable. My daughter obtained   XXXX   student loans in the total amount of {$42000.00} dollars, in which I was the co-signer, to attend the   XXXX   XXXX   XXXX   XXXX  . When her loans became due, the monthly payment was {$600.00} dollars. An amount that she was unable to afford! I as the co-signer, assumed the responsibility to repay the loans and have managed to pay half of the total amount.
In dealing with my  XXXX , I contacted the loan company " Navient '' to try and refinance the loans for the newer amount as to lower the monthly payment so my daughter could afford to make the payments. Navient was uncooperative and made excuses that the loans were in an amount that could not be lowered and were not adjustable even in regards to my medical condition!
They have also created false statements in regards to my bank not allowing payments online thus making my monthly payments late to collect late fee 's!!!!!!!
Navient is by far the worst company I have dealt with!!!!!!!!!!