davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (GA)

I had a forbearance agreement with Caliber mortgage and have met the terms and condition as required in the forebearance agreement. The first payment due on XX/XX/20 was made to Caliber. The next day, caliber sold the mortgage on XXXX to XXXX XXXX. The forbearance agreement was also transferred and accepted by the new lender XXXX XXXX. I made payments on XXXX and XXXX to the new lender and was removed from forbearance. I applied for a construction loan with XXXX XXXX XXXX ( XXXX ). XXXX discovered that the XXXX payment had been reported as late to the credit bureaus for both me and my wife. To address this error I was told to contact Caliber and request a letter stating that I had made the XXXX payment on time. I spoke 3 times with caliber customer service representatives. Each time the rep stated that Caliber would not provide the letter. I spoke with the manager on the 3rd call and she was very confused about the agreement as she insisted that I was not in forbearance at the time of the payment. I referred her to the agreement and asked to speak to her boss and that person was on another call and was told that I would be contacted once they got off the call. I never received that call. The Payment date Is in Calibers system as being paid on the XXXX. The payment was also reported to the new lender XXXX XXXX as being paid on the XXXX. The rep insists that the payment made was for XXXX which is when the the foreberance period began. Isnt that amazing? That is what the agreement required. The agreement stated that the first payment needed to be made by the XXXX starting on XXXX which was done. The next two payments were made to XXXX XXXX the new lender. This is in violation of the terms of the agreement. The XXXX payment should not have been reported. No other month within the forbearance period was reported as late. XXXX was the only one which lends credence to my claim that I was in forbearance and the reporting was in violation of the agreement. I can be contacted at XXXX. This violation has caused me harm and I may have to litigate through the legal system if you are unsuccessful. If you would like a copy of the agreement I can email it to you.
Consumer complaint received 2023-01-20
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX  XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2020-10-25
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. (NY)

Account Number:XXXX On XX/XX/2020 I was advised by XXXX customer service specialist to pay off the settlement in full for this charged-off XXXX  auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to XXXX, Equifax, and XXXX  requesting to have this Account Number:XXXX XXXX account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Account Number:XXXX On XX/XX/2020 I was advised by XXXX customer service specialist to pay off the settlement in full for this charged-off XXXX  auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to TransUnion, XXXX, and XXXX  requesting to have this Account Number:XXXX XXXX  account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.
Consumer complaint received 2020-10-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Convergent Resources, Inc. (MI)

I have been harassed by this company for a while concerning a debt that I am not liable for. I have not signed a contract or given them the permission to obtain my place of residence or my contact information in which they continue to frequently harass me. They called repeatedly at inconvenient times in which I have told them numerous times to stop.To my understating as a consumer they have broken the consumer laws found in 15 USC 1692.
Consumer complaint received 2023-01-20
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)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2023-01-20
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 (TX)

On several occasions I tried to make a purchase with Wells Fargo and they told me I couldnt although I had the funds in my account. I also believe I was overcharged for atm fees and overdraft fees. I also had a credit card in my name but the account was closed along with my checking account without my consent.I note how a credit card balance on my credit due to a decision I didnt make.
Consumer complaint received 2023-01-20
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XX/XX/2021
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd ()

WISE emailed me on XX/XX/2022 that my account has been deactivated and received my appeal to reopen my account. 

After many many emails to their support team, they finally replied to me saying they will give me a refund and have sent my money to my bank details I provided to them. 
The refund stated it will take 3-5 business working days ( this was from the support team sent to me on the XX/XX/2022. 

" XXXX : XXXX XXXX, your money has been refunded. " Find attached the email. 

To my surprise, the refund never arrived. I continued to email and call WISE for assitance and nobody would help me! 

Until XX/XX/XXXX when I received a message saying they will not give me a refund and will not reopen my account!! 
They said they will not give me a reason why and that the money never got refunded on XXXX XXXX. 


I feel scammed and abused and I have very confused also what has happened to my money, the money is around XXXX USD that they have of mine. 

Please help me get Wise to refund me and respond to my complaint.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (WA)

So I keep getting denied by my bank after after notifying them on my credit and the agencies not fixing my credit so my bank monitors my credit it says I have XXXX credit available I sent them my ucc1 statement with security agreement as I am a entitlement holder they said reapply I did denied.you have assisted with the reporting agency this is proof they ignore your complaint haven't fixed late payments which I don't have things on my police report they haven't blocked these reporting agencies are the reason I can't get approved now my bank that denied me again I think this is the 8th application. And get told to reach out to credit reporting agency .I 'm confused don't see any protection. So let me know if you don't help protect So I can get direction cam you ask all credit reporting agency why they show on my credit history I have XXXX percent credit available. But my bank says their descion was based of credit transaction these agency have been delaying on for almost a year. .last time reaching out.you are not helping at all makes me question.
Consumer complaint received 2020-10-26
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/20 Mr. Cooper, my mortgage company spoofed my works phone number to get me to answer the phone. My employer is XXXXXXXX XXXX XXXX XXXXXXXX which is a governmental agency. I am a state employee. From what I have read this is illegal. I let the person who called me know they just spoofed my employer. I also let them know I was told not to make this months payment because it is an FHA streamline and you bring the current months payment to the closing. All XXXX and XXXX numbers belong to the XXXX  XXXX XXXX. They called me from XXXX. 

I am in the middle of a refinance with Mr. Cooper which closed on XX/XX/20. I told them to stop calling me. They called all weekend with spam calls that I didnt answer. Mr. Cooper called again this morning on XX/XX/20 5 days after the closing of the refinance of my mortgage. They asked when I would make a payment. I asked them to check the notes on my account at which point the person said oh yeah, I see a refinance code on your account. I dont see why they have is call refinance accounts. I let her know the spoofing that happened on the previous call and that her call came up as Spam risk and her company is spoofing numbers She said they used to call from their number, but people dont answer.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a summons to mediate for the collection amount of XXXX for XX/XX/2020. My attorney has attempted to contact the law firm several times ( leaving messages and attempting to resolve this issue ) that is listed on the documents with no response. Because they are not responding, it's making it very difficult to resolve this legal matter. It has been about a month since I received this notice and have not spoken to anyone regarding this. What I don't understand is how can you sue someone using a law firm but don't respond to consumers or even law firms to resolve legal issues.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Any time I have money in my account, takes everything out the next day, and then it lets me know I do not have enough money to pay for items, so its hard to overdraft me each day that I dont have the money in my account. But I was informed that I would not overdraft me because I turned overdraft off.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (WA)

I had an auto loan in XXXX I had a baby and my insurance lapsed. Wells Fargo put their own insurance on the vehicle that I had to pay. Making my payments over {$300.00} per month for a {$9000.00} vehicle. When I was late on a payment, they would call and give my loan information to family members amd neighbors, not connected to my loan. I couldn't afford to get my own insurance because they refused to remove the insurance they were making me pay, despite many attempts to explain this to them. After I paid off the loan in full, I continued to get bills for additional amounts even though I had receipts showing I paid it in full.
Consumer complaint received 2023-01-20
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)

In the past 6 months money has been taken out of my account several times by an unknown merchant the first time the bank credited me then took it back and it kept happening they kept not reimbursing me and said they believed it was me or a friend who used my card but I dont have friends like that where I live because its too expensive for most people to live here and I rarely leave my house I do my shopping ect, online it feels like my card was cloned or my information of my phone or computer.. either way it felt like no matter how many times I hit s new card the charges kept happening every other month it seemed then I changed my pin after like the third time and so far it hasnt happened again my feeling is that several people I know and websites stated that Wells Fargo had experienced a data leak.. I feel like I was a victim from their poor security.. every time I reported it ( the merchants name was pai iso and if you XXXX what that is and why am I being charged for it theres hundreds of not thousands of others who dont recognize the merchant and feel scammed ) my bank never believed me or had my back with financial reimbursement I just feel like they owe me ..especially with everything thats happened with Wells Fargo in the last few years so if yall can help I would greatly appreciate that Thanks XXXX
Consumer complaint received 2023-01-20
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. (PA)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX XXXXnquired on XX/XX/XXXX.
Consumer complaint received 2023-01-20
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-01-20
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. (TN)

This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate address and inquiries that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX XXXX GA XX/XX/XXXX XXXX XXXX GA XX/XX/XXXX
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (CA)

The debt collector named NCB Management Services Inc. or XXXX is XXXX XXXX XXXX and calling her about my debt that is fraud. They called her XXXX times and were rude to her too, demanding she tell them where I am and that I am there, but she is lying to protect me. My mother lives in XXXX XXXX  and I live in XXXX, so there is no reason to call her several times about my situation. She is a XXXX XXXX  and causing her XXXX and XXXX!