davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-02-04
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP (AZ)

On XX/XX/2020 I received a phone call from US Bank Mortgage. The auto phone call stated that an amount of {$1700.00} was due, then the representative told me the amount due was {$1800.00} was due. I told them that I paid the bill via XXXX e-pay, which I always do. The mortgage was due on XX/XX/XXXX, a Saturday. I sent the payment XX/XX/XXXX and it has been delivered to US Bank today and is funded. This should be posted as soon as its received, which is a violation of Section 6 of RESPA, and Section 36 of TILA. This is the 3rd time this has happened with US Bank. This is harassment and I should not have to be subject to this type of predatory collection. US Bank should be ashamed of themselves.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

This complaint is in regards to a XXXX thank you point offer that has not been paid out as promised and confirmed by CitiBank for opening a new checking account and satisfying all requirements. I received an email with the terms. I opened the account, met the requirements ( per a XX/XX/XXXX chat to confirm ) and was explicitly told to " expect for the ThankYou points no later than XX/XX/XXXX. '' Fast forward to XX/XX/XXXX and no points posted as promised. I again go to live chat and am told " it should have posted last XX/XX/XXXX. '' I'm given the following reference number ( reference number XXXX XXXX XXXX XXXX XXXX XXXX ) as they had to create a case to ensure I received the points. Told I would receive an email within 2 business days. Again, nothing happens. No communication, no bonus. 


On XX/XX/XXXX I was told that on XXXX I received an email about the bonus. I never did, neither in my inbox nor spam. I was told I would receive my bonus " on the next cycle. '' I push for a specific date by which I will have the bonus points. I'm told XX/XX/XXXX even though my next statement would cut on XX/XX/XXXX. The rep states they submitted notes on this. Also told within 2 business days Id be notified. Of course, nothing happens on either front. 


So fast forward to XXXX and now, after the next statement cycle came and went, Im told via chat messenger ( that I had to initiate ) that on XX/XX/XXXX I was credited the XXXX points! At this point Im just dumbfounded. 

Wanting further information I opted to wait until a weekday and on XX/XX/XXXX I contacted chat once more, and again this time I was credited with XXXX ThankYou points on XX/XX/XXXX for meeting the required terms and conditions of Promotion XXXX. Not only is this patently false, it goes against what other representatives have stated. 


Ive exhausted all reasonable expectations for remedying this issue and would greatly appreciate if you could step in and help facilitate this matter. I'll refrain from attaching any emailed promotional material because they aren't disputing that I met the requirements. The dispute is whether or not the points were issued.
Consumer complaint received 2020-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Through a clerical error which led an insurance agent to believe that Caliber Home Loans was an escrow agent for said loan, renewal documentation and invoice for a home insurance renewal policy was sent to Caliber instead of borrower.

Caliber was aware that they were in possession of the renewal invoice, but withheld that information from the borrower. Caliber failed to notify borrower that Caliber had received the renewal invoice, and Caliber failed to notify the insurance agent that they were not an escrow agent for the account. 

As a result, the insurance expired on XX/XX/XXXX. 

The borrower received no notices from Caliber until XX/XX/XXXX. 

Caliber failed to provide the legally required notices under 12 CFR 1024.37 The borrower immediately arranged for new insurance but due to a lapse in coverage greater than 30 days, borrower was unable to continue uninterrupted coverage and a new policy was initiated on XX/XX/XXXX. 

Caliber was sent proof of insurance no less than 5 separate times, but in each case, Caliber failed to cancel the FPI policy within 15 days as required by 12 CFR 1024.37. Further, Caliber continued to make a false statement of fact that no proof of insurance had been received, despite the fact that it had been provided multiple times, including by certified mail return receipt. 

Additionally, Caliber claims that because they purchased the FPI policy, it automatically triggered the creation of an escrow account, which now can not be removed because the mortgage is securing an FHA loan.

Caliber claims that all legal notices were mailed, but can provide no proof of mailing, such as a postal receipt, certified receipt, or return receipt. Therefore, the forced-place insurance policy was purchased illegally, and the corresponding escrow account is invalid and should be removed from the loan.

Borrower continued to make timely Principal and Interest payments on the loan. On XX/XX/XXXX borrower received a Notice of Default from Caliber, sent by certified return receipt for non-payment of the disputed escrow charges.

It is the borrowers belief that Caliber willfully and intentionally withheld information from borrower which would have allowed the existing insurance to be renewed without any lapse of coverage. Further, it is the borrowers belief that Caliber did this so that they could purchase a higher-cost forced-placed policy in order to force the borrower to escrow insurance for the remaining duration of the loan, require additional payments each month, to be kept in an interest bearing account for which Caliber retains said interest.

Borrower has had numerous discussions with Caliber over the past six months, but has received no satisfaction, and will be initiating legal action if the matter is not resolved immediately.
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

Good evening I have a issue so I paid a debt through the debt collection which is Overton Russell Doerr and Donovan agency back on XX/XX/2019 and its still showing on my collection agency I was under expression that they had 90 days to report a paid balance to a collection agency and here it is XX/XX/XXXX and I go to the bank to get a loan possibly for a home mortgage and they said they are still on their which is way past 90 days now so i have my statements from when i paid i also called and her exact words we received payment but never reported it so we will now and it will take about 60-90 days i find it very upsetting that i have to wait another 90 days. Which puts a hold on me purchasing a home which  also a inconvenience due to my wife is set to have a child in XXXX and we are living with her mother.
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (TN)

I have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (AR)

My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I called the company in XXXX. I was not able to get a live person on the phone.

I requested a chat session on their website, with no response.

I emailed, but they did not contact me.

I sent a letter requesting an " unfreeze '' but they did not respond.

I attempted to unfreeze it online, requested a new pin and requested a one time unfreeze for a creditor, Each time I submitted the requests an error message that they could not process my request showed up.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C. (MN)

A company called Gurstel Law Firm is trying to sue me for a credit card debt that does not exist. I have contacted Gurstel Law Firm on many occasions, filed a Cease and Desist Letter on XX/XX/XXXX and yet they are still trying to sue me for a non-existent debt. XXXX can not find ANY record of this card tied to my social security number. I spoke multiple times with XXXX and confirmed this. On XX/XX/XXXX the XXXX Security Operations officer confirmed once again, there is no debt tied to my social security number. She suggested I contact XXXX, the Consumer Financial Protection Bureau and the State Attorney General as this company is violating the Fair Debt Collections Practice Act. This 3rd party debt collector has harassed me for a year and a half and keeps trying to get more personal information from me over a debt that does not exist, and I am very concerned about Identity Theft. There is NOTHING on any of my 3 credit reports pertaining to this card. I was informed by XXXX Fraud department that Gurstel Law Firm is in violation of the Fair Debt Collections Practices Act. I want this lawsuit and harassment to stop ASAP.
Consumer complaint received 2023-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: DISCOVER BANK (NC)

I emailed the company on XX/XX/XXXX with a question about an erroneous miscellaneous fee on my loan statement. 

I noticed a {$500.00} client misc fee on each statement for my equity loan with Discover Home Loans. I called to inquire about this, and the customer service rep I spoke with was unable to explain this fee. She advised me to send an email to XXXX requesting an explanation. She looked up the original loans docs and indicated that I did not owe a loan fee, and that I have never missed a single payment, so could not figure out what this fee would be related to, and advised Id need to reach out to the research department for help. This loan funded over 4 years ago and there was no loan fee or application fee, so I dont understand what this could be referencing. I do not owe any such fee. 

I emailed the address above on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not even ackowledged my emails and have never responded at all. I also emailed via discover home loans website message center on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, asking for clarification for this fee, and a copy of my most recent amortization schedule. No one has responded to any of these emails either. I want an explanation for this fee, and I want it to be removed from my monthly loan statements.
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (MD)

I was a customer with XXXX  and I first order just a impression kit on XX/XX/2019. That was just to see if I would be a candidate for the XXXX XXXX for my XXXX. I didnt sign any documents at that time. I just entered my basic information and made the payment of {$49.00} for the impression kit. After going through the process, I had to go to a location to have my XXXX XXXX. At that time I was asked to sign if I wanted to fast track the production of my XXXX. That was what I approved. The production of the XXXX. When the XXXX  arrived and I began the process, I realized that I didnt get a finance agreement. I paid the initial {$250.00} deposit online myself. I never received a finance agreement with the terms, percentage rate or length of the loan payments. I went online and was directed to a website for the company financing the XXXX. XXXX XXXX. There I discovered that a finance agreement had my electronic signature on it. I never signed a finance agreement with XXXX XXXX XXXX, up until now I never knew who the finance company was. I never knew about the terms, interest rate or length of the loan payments. And it was dated XX/XX/2019. I wasnt with XXXX at that time and never e signed anything with either party. I called the finance company and was told that the contract was sent to them already signed from XXXX. I then called XXXX and no one there knew why it was signed. I thought it to be fraud and I told them so. Several request were made for a manager from XXXX to contact me, that was last year XX/XX/2019. I was never contacted by anyone from XXXX or XXXX XXXX XXXX. 
Instead of XXXX XXXX trying to resolve this issue in good faith, they sweep it under the rug and sent my account to a debt collection agency. The debit collection agency is AmeriAssist. I contacted them to explain the situation to several members of their team only to be basically told, Tough luck, we understand what your saying but you still have to pay. AmerAssist then sent the account to XXXX  and my credit score dropped by 15 points. Now my credit has been impacted for no fault of my own because of unscrupulous people. Amerassist continues to ignore my complaint and insist on calling me daily. I dont have any finance agreement with XXXX XXXX XXXX. So I dont owe them anything. They had months to clear this up. They are fraudulent.
Consumer complaint received 2020-02-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc. (PA)

I was due for a payment on XX/XX/XXXX. I have been back and forth the XXXX with my son he has very XXXX  XXXX. I was unable to make payment because I had the cash on me and was in XXXX. XX/XX/XXXX was also notified on XX/XX/XXXX that I was in XXXX and would pay when I got back. They said ok. On XX/XX/XXXX they contacted my mom saying Mid Atlantic finance company kept calling them about my payment. My mom told them I was still in XXXX and they said ok. On XX/XX/XXXX they contacted my mom and said they were sick of this because finance company keeps calling. My mom then called the finance company explained my situation and told them I would pay before the end of the month they were very understanding. My mom told XX/XX/XXXX she called and straightened it out. They told my mom they did not care they were coming for my van to repo it. My mom told them they can not do that because the Mid Atlantic finance company agreed to let me pay by XX/XX/XXXX. they said no they had a separate agreement with finance company. I was never told about any separate agreement. My mom ended up making the payment on XX/XX/XXXX and verified with the finance company that everything was ok. They excepted payment and said yes everything was ok. The an hour later they left me a message that payment was accepted but due to XX/XX/XXXX calling and repurchasing the vehicle back the payment was voided and sent back. The XX/XX/XXXX came and took my van. I was only 15 days late how can this happen??? please help with this.I am stuck with no vehicle and my son is very ill. I was under the assumption that I would have to be at least 30 days late for a repo ... 
Thank you
Consumer complaint received 2020-02-04
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: JPMORGAN CHASE & CO. (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

DEBT COLLECTION AGENCY. INACCURATE INFORMATION XXXX/XXXX  # XXXX ; ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ; ( XXXX ) XXXX ) Loan type : charge account Closed XX/XX/XXXX Purchased by another lender unpaid balance charge off Estimated Month and Year that this item will be removed : XX/XX/XXXX +++++++++++++++++++++++++++++++++++++++ JEFFERSON CAPITAL SYSTEM # XXXX, ( XXXX XXXX XXXX , XXXX. XXXX, MN XXXX ( XXXX ) XXXX ) Purchased for COLLECTION XX/XX/XXXX Loan type : Debt Buyer Lists Original Creditor as XXXX XXXX XXXX  ( not XXXX/XXXX  ) Estimated Month and Year that this item will be removed : XX/XX/XXXX +++++++++++++++++++++++++++++++++++++++++++++++ REMOVE INACCURATE/INVALID/ERRONEOUS INFORMATION REPORTING Jefferson Capital System lists Original Creditor as XXXX XXXX XXXX  Original creditor actually was XXXX/XXXX  and says account was purchased by another LENDER not by a COLLECTION AGENCY +++++++++++++++++++++++++++++++++++++++ how can Jefferson Capital list removal date as XX/XX/XXXX when XXXX/XXXX  lists removal date as XX/XX/XXXX ( original creditor ) how can Jefferson Capital list original creditor as XXXX XXXX XXXX  when original creditor appears to be XXXX/XXXX  theoretically they could be separate/differing companies both of these concerns are based on technical fact based inaccuracies ;
Consumer complaint received 2020-02-04
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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

CURRENT BILLING CYCLE : XX/XX/2019 TO XX/XX/2019 was due in the amount of {$260.00} was due on XX/XX/2019 a payment in the amount of {$260.00} was made on XX/XX/2019 which resulted in a remaining balance of XXXX due. On XX/XX/2019, I received a letter from USAA advising me that my account was at that point in time 30 days past due for an amount of XXXX cents. What I couldn't understand is if I made a payment on XX/XX/2019 and the letter was sent on XX/XX/2019 how the account became passed due 30 days for the XXXX cent difference. The letter stated that payment needed to be made prior to XX/XX/2019. On XX/XX/2019, I called and spoke with an agent to confirm if payment needed to be made or if I could pay it with the rest on XX/XX/2019, payment. I advised the agent that I wanted to confirm that it would not effect my credit and I was advised that it would not. On XX/XX/2019, a payment of {$260.00}, which was prior to the deadline of XX/XX/2019, which was reflecting on their letter. USAA and their agents have provided incorrect information causing my credit report to be hit for a 30 day past due payment for a mistake that they have committed on there end.
Consumer complaint received 2020-02-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK (CA)

Here are the facts Received {$17000.00} on XXXX XXXX, 2020 to Discover Bank Should have received XXXX USD Wire Info sent from XXXX XXXX XXXX 2020 XXXX XXXX Close XX/XX/2020 : XXXX CAD = XXXX USD Discover Bank disclosed NO FEES for an international wire transfer. As a consumer I called Discover Bank on XXXX XXXX so I could make an informed decision. I already had XXXX XXXX I could have sent the wire that confirmed with my family member NO FEES, NO SPREAD, NOTHING. My family member received the same wire transfer to XXXX XXXX with NO FEES whatsoever. 

XXXX XXXX Discover Bank Rep. very clearly told me Discover Bank charged no fees for receiving an international wire transfer. This same rep also informed me very clearly that the XXXX XXXX XXXX XXXX XXXX charged no fees ( being the 3rd party ). XXXX XXXX XXXX XXXX XXXX  XXXX would be doing the exchange to USD. The Discover Bank Rep very clearly told me there would be no spread and no fees. The Discover Bank Rep very clearly told me I would get the exchange rate at close of business the day the wire is sent. 

Discover Bank has participated in unfair and deceptive business practices by not disclosing the fees associated with an international wire transfer so myself ( the consumer ) could make an informed decision.
Consumer complaint received 2020-02-04
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. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$0.00}