davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
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 (TX)

Hi. 

I have been trying to get my account balance restored due to an error on PayPal end. I have done everything I can to proof that my account was flagged in error. I am now being told that I have to wait until 180 days is up from when my account was limited which is XX/XX/XXXX. That date is completely over 180 days as my account was limited on XX/XX/2021. So if PayPal is not going to release my funds now. The correct date of release should be XX/XX/XXXX. I would like PayPal to review all documents and release my account ASAP or correct the release date to XX/XX/2021 as XX/XX/2021 will be well last 180 days. 

PayPal has caused a financial burden on my end and I hope they act in good faith and release my funds earlier. This will be my 3rd attempt to show them that I should not have been flagged.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (UT)

CBE Group is reporting collection accounts that need to be removed. This debt is invalid as during this time I was covered with XXXX and XXXX. I had gone in for some blood work and the hospital tried billing me 3 different times for one exam that was supposed to be sent over to insurance. I had called them and they had admitted to this mistake but they billed me anyway! This is not my fault, this is an error from the hospital that needs to be fixed.
Consumer complaint received 2016-05-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (IL)

Barclaycard closed my credit card account with no warning and now claims that I have 'forfeited ' my cash back rewards balance of {$12.00}, even though I had no knowledge of their plan to close my account. Clearly, if I had known, I would have access that cash rewards as a credit to my account.
Consumer complaint received 2022-01-05
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. (SD)

I have never had an account with the XXXX XXXX XXXX. There have been numerous phone calls contacting them and they have confirmed that no such account ( s ) have ever existed with them. They sent me a letter indicated that it would be removed from my credit report yet ; it/they are still being reported. I would like the accounts they or someone created, removed from my credit report. Also, there was an account with XXXX XXXX that was paid in full and is now reflecting a zero balance but is being reported as a charge off and not as paid in full. I was told by XXXX XXXX, XXXX, and provided written verification that the account was paid but they are indicating that it is being reported as a charge off by the original creditor which is comenity bank even though it was paid. It's is just a lot of run around and I keep being told by the companies ' representatives to keep disputing these items with the credit bureau and the credit bureaus just don't remove them ( even with written proof ) or they remove them and put them right back on my credit report.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

TWO COMPANIES ARE REPORTING FALSE INFORMATION TO THE CREDIT BUREAU OF AN ACCOUNT THAT I NEVER HAD WITH THEM I NEVER OPENED A TELEPHONE ACCOUNT WITH THAT COMPANY, THEY ARE REPORTING ME CHARGES OF {$1500.00} AND THEY ARE DAMAGING MY CREDIT. ACCOUNT NUMBER # XXXX I.C SYSTEM INC {$1500.00} XXXX XXXX XXXX # XXXX {$650.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$970.00} XXXX XXXX XXXX  XXXX XXXX # XXXX
Consumer complaint received 2021-08-05
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. (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX FKA XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2016-01-28
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Colony Brands, Inc. (OH)

Received a voicemail from the collection bureau of XXXX attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..
Consumer complaint received 2021-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-04
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Apartment complex
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (PA)

Around XX/XX/20 I applied for forbearance with my mortgage company ( My Loan Care ) due to the impact of Covid 19. Under the " Cares Act, '' this was not supposed to impact my credit report negatively, which it has. My XXXX  score dropped over 70 points by them making there report.
Consumer complaint received 2022-08-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

My VA mortgage is currently held by BSI Financial Services. We made our payments in XXXX and XXXX but, there was a shortage due too escrow under payment. Instead of making payments and trying work with us, they held the payments, did not apply them in XXXX or XXXX, reported us as late to the credit bureaus and continued to charge late fees and are as of today, XXXX, they are still holding funds, unapplied, to XXXX. We caught up the escrow payment 5-6 days ago, that amount is still unapplied as well!! Need assistance as soon as possible!
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

My fiancee and I saw a small house for rent on XXXX XXXX, we took a tour in person and then went through the application process. We were approved, signed a lease, and I sent {$1900.00} total to my new landlord via XXXX for : application fees ( {$100.00} sent XX/XX/XXXX ), security deposit ( {$800.00} sent XX/XX/XXXX ), and first month 's rent ( {$1000.00} sent XX/XX/XXXX ). On XX/XX/XXXX, I discovered through public property tax records that my " landlord '' didn't own the home for rent and I was scammed. At this time the debit transactions were still pending, I called my bank PNC and asked them to reverse the charges. I was told that wasn't possible but they would investigate my dispute, and I'd receive a request for documentation in the mail. I received both the request for documentation and notice of rejection on XX/XX/XXXX. I was never given the chance to provide evidence for my dispute. I called PNC again to appeal my dispute, nothing changed. I went to my local PNC branch who said they would contact corporate about my case, and nothing changed. I've had a similar experience with XXXX. I've called many times and never could speak to anyone with authority or who could review my case. I could only contact the correct department through email. I was able to send them documentation but they've rejected my original dispute and my appeal.
Consumer complaint received 2021-08-04
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (MA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors reported as collection accounts. These companies are XXXX, XXXX XXXX XXXX, XXXX, and Citibank. I am asking for these companies to remove those accounts because they are incorrect.
Consumer complaint received 2017-03-27
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (NV)

On XX/XX/2013 I took out a payday loan for {$4800.00}. This company is reporting {$5300.00} on my credit report. This account is in a collection agency. 
How can the report an incorrect amount? Under the Fair debt reporting act they are in violation and should delete this information.
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NM)

Last year XXXX damaged a suitcase during shipment. XXXX never paid neither responded my claims. I opened a claim with my credit card company to get reimbursement from XXXX. XXXX never approved the claim of the credit card company. I gave up trying to collect payment from XXXX. Recently I started receiving debt collection notices with collection fee. A copy of the notice is attached for records.
Consumer complaint received 2021-08-04
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: Exeter Finance, LLC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX EXETER FIN XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-04
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID OUT OF MY PURSE AND OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

XXXX sent me a letter on XX/XX/2020, telling me that my forbearance had been accepted and that I would not be reported late. They still have reported me late. This can't be acceptable during this pandemic, please help me!
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Wallet pick pocked in 2013, promptly notify bank and filed a police report. 
New credit card issued, but Credit card company ( HSBC ) fails to remove fraulent charges from 2013 from old credit card number ( account ). 
Tell me everything is okay and that I am not responsible, but the amount owed keep going up. 
Keep sending emails that I need to pay due to outstanding balance. 
No resolution after numerous phone calls since 2013.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I filed a complaint against Equifax on XX/XX/XXXX, Report # XXXX. However, when my mortgage company pulled my credit on Tuesday, XX/XX/XXXX nothing was changed or properly updated by Equifax. Equifax report still shows the final reported MOP codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. This is time consuming and frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect MOP code that is still being reported on my Equifax credit profile. Previously, on XX/XX/XXXX our mortgage lender had to re-pulled what was supposed to be final credit for the purchase of my newly built home. When credit was pulled, they had informed me that they weren't able to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold and the third mortgage ( XXXX ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that what an account is closed the final MOP code reported should not be anything other than a 1. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX  and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (CA)

I applied for a mortgage refinance in late XXXX. I got rates from a few different lenders and went with Guaranteed Rate as they quoted me the best offer. After submitting all of my documents I was made aware of a mistake on my XXXX & XXXX tax returns regarding my rental income. I was then instructed that to fix the errors I had to file amendments. I verified with the loan specialist that this was necessary and would make a difference because if not I wanted to go with another lender. I was assured this would be the same anywhere I went and since rates were about to go up it was best for me to stay with them. So, I did exactly what they said which was amend my tax returns for XXXX and XXXX. They also said I must file them with the IRS in person, pay for any outstanding taxes, and get the amendments and proof of payment stamped. Once that was done I resubmitted my tax returns to them and then was told that they were denying my loan because they would n't accept the amended tax returns because they said I just made it all up just to get the loan. Interest rates are now much higher and my credit score has now taken a hit.
Consumer complaint received 2016-02-22
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: World Omni Financial Corp. (GA)

Starting XXXX XXXX, XXXX and continuing through today XXXX XXXX, XXXX Southeastern Toyota Finance calls my home line a minimum of 2 times a day regarding a payment arrangement I made on a voluntary repossession of a XXXX XXXX XXXX. The payment is due on the XXXX of every month ( {$150.00} ). I have not even been late. Today the reason for the calls " Is to see if anything has changed '', according to XXXX XXXX with XXXX ( XXXX XXXX XXXX XXXX ).
Consumer complaint received 2016-07-19
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 360 MORTGAGE GROUP LLC (CA)

We applied for a mortgage modication through our mortgage company. We sent in applications for XXXX type of modifications. XXXX application was through the HUD website and the XXXX was from the mortgage company. XXXX were rejected for additional information which was the whole modification package plus more information. It was very clear we were getting the " Run Around '' They told us the application was blank in certain areas and items were missing. The application was not blank and was scanned and emailed to the mortgage company as well as sent by priority mail via the post office. We completed alot of paperwork spending hours of our time. We bought printer ink, printer paper, stamps for priority mail and spent our precious time completed XXXX documents for this modification. We kept copies for our records. We do agree with a few minor math issues but it was clear to my wife and I that 360 Mortgage was running us ragged. Wasting our time and telling us we sent them blank applications. Of course we did not send in blank modification applications. We have decided not to send further paperwork until we speak to an attorney. It is clear they have their own motives for delaying us with requests for documents that were already sent. We are very unhappy with this treatment and wish to file a formal complaint into their business practices.
Consumer complaint received 2021-08-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I contacted Equifax XX/XX/2021. I spoke with XXXX. I informed him that I have made several request to obtain a description of the procedure used to verify information listed on my report. I informed him that the information provider contact information was not able to verify what Equifax verified. This prompt me to exercise my rights under FCRA 611 ( a ) ( 7 ), which I have a copy of the law attached for the company 's reference. It clearly states that they have to provide all information used to verify the account. Equifax is required to verify with the provider information and they have not done so, due to me getting different information from the provider of information listed on my report. I disputed XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, Bankruptcy Court-XXXX  and a open account XXXX XXXX XXXX. Equifax received several inquiries from requesting methods used to verify and they have yet to provide that information in which they had 15 days to do so upon my request, according to FCRA Laws which a copy of the law is included in this complaint. The agent said that the procedure of providing this to a consumer is not available. I told him I tried to verify the bankruptcy with the court listed o my report and I couldn't. I told him I told the court what was on my report and they said they did not provide that information to the credit bureau or anyone affiliated with them. He said there was nothing he can do even if it was reported wrong. He told me a third party provided the information and that information came from the court even though I kept telling him I have letter from the court that states that they did not provide the information, which I will attach and send again to the company. I inform him that my report is not complete and that they are illegally reporting unverifiable information, because they have not been in compliance by providing y request in the time allotted.
Consumer complaint received 2021-08-04
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. (IL)

my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2022-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Of America XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX The bank debit from my savings account the Amount of {$160.00} Without my consent and with any reason. 

Spent 5 days calling the bank customer service with no answers about this debit, actually they don't know why the bank is making this debit nor offering any solution about the stolen money. 

Keep calling them with no answers and no refund. The bank is steeling my money. I really need help on this. 

Thanks a lot advanced.