davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (AL)

I am an XXXX American woman who has had a mortgage with Caliber Home Loans for a little over four years with no late payments nor missed payments -- an excellent paying customer. Presently, I have a credit score of XXXX with only a car payment and my mortgage and a few credit cards that will be paid in full with the proceeds from the sale of my house. I uploaded a copy of my XXXX statement stating that my IBR student loans has a XXXX ( XXXX ) payment and is in forbearance due to re-enrollment in school after medical leave. I was pre-approved back in XX/XX/XXXX and was told I could go up to {$210000.00} for a property I had planned to place a bid. That never materialized, and I found another one at {$230000.00} and called to see if that would work under the preapproval even though it was already set. When I called back and spoke with the loan consultant, he stated that my auto loan being paid in full was configured into the preapproval. That was never conveyed to me in XX/XX/XXXX - new information. 

So I emailed the branch manager about this, and he emailed me that because my student loans were in forbearance, they would have to use the 1 % rule. That is not correct. All my student loans are IBR and are in forbearance due to the Cares Act and the fact that I re-enrolled in school to complete my XXXX  dissertation and receive my diploma. Importantly, IBR student loans do not fall under the 1 % DTI rule. Thus, my home loan application is not being fairly evaluated even though I am an excellent paying customer for four years with Caliber Home Loans and my income has increased since I last applied back in XXXX for the present home loan I am carrying with XXXX, and my credit score has increased from XXXX to XXXX. The first time I spoke with the Caliber Home Loan consultant back in XXXX, he assumed I had bad credit and told me to call back at a later time.
Consumer complaint received 2020-12-04
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. (MN)

Spoke with representative at XXXX County XXXX XXXX in XX/XX/2020. Was told that when my back XXXX XXXXt ( including arrears ) is paid in full it will be removed from all three bureaus ( in approximately 30 days ). 

I've completed what was requested of me and I am completely up to date yet the account is STILL reporting negatively on my account after I WAS TOLD that it would be removed within approximately 30 days. 

The current reports are completely incorrect and must be corrected.
Consumer complaint received 2020-12-04
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. (IA)

Several accounts on my credit report that dont belong to me I have replaced my ID, and also disputed these transactions with the companies. If it is not resolved I will be filing a police report. The accounts are not mine and need to be removed are listed below with balances. XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX balance : XXXX, XXXX XXXXXX/XX/XXXX balance : XXXX.
Consumer complaint received 2020-12-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Byrider Franchising, LLC (SC)

Today between the hours of XXXX and XXXX XXXX the General Manager at JD Byrider on XXXX are XXXX XXXXXX/XX/XXXX and I were having a conversation about another agent, XXXX, and the illegal repossession of a XXXX XXXX XXXX XXXX I have contacted legal counsel and asked XXXX for contract, tracking number for a right to cure letter they stated was sent certified and payment history. XXXX and I were going back and forth. He then stated, I was trying to be nice to you but now you aint going to XXXX get XXXX! And hung up the phone. He called me from this number. XXXX
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (FL)

I recieve threathening phone for a debt that is not mind. The company who claims I owe a debt is Southern Management Systems. The original company that claims that I owe debr is XX/XX/XXXX in the amount of {$5500.00}XX/XX/XXXXXXXX XXXX, XX/XX/XXXX I have disputed charged on XX/XX/2020 and XX/XX/2020 and was told debt was verfied. This is causing a hardship on my ability to move forward with my credit.
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (GA)

On XXXX I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I noticed XXXX transactions on my checking account that I didn't make : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$29.00} XXXX immediately informed Chase Bank, canceled my debit card, and requested a new one. I also requested a refund from these fraudulent transactions that were not made by me. 
After an investigation by Chase, they informed me that they believe the charges to XXXX XXXXXXXX XXXX XXXXXXXX XXXX were made by me, but the XXXX to XXXX XXXX was not. They refunded the {$29.00} from XXXX XXXX. 
I requested to see what they described on the phone as " irrefutable evidence '' that I was responsible for the transactions to XXXX XXXX and XXXX XXXX. I requested to see the evidence and responded on XX/XX/XXXX. I sent them a letter refuting their evidence and requested an appeal, which they denied. I pointed out a number of discrepencies, which they refused to consider. These include : An email addresses which were not mine. 
A device ID that is not mine. 
The XXXX XXXX money transfer was sent to someone using my late mother 's name, with the name XXXX added. 
A payout location in XXXX, where I know no one. 
Purchases made on a XXXX computer, I use exclusively XXXX. 

All of this is documented in the letter I sent to Chase, which I have attached.
Consumer complaint received 2020-12-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

I am applying for a VA cash out refinance loan. I have been given disclosure documents, and the loan has always been based on a 100 % loan to value basis. The lender knew this is what I required and said they could make this loan. 

Now at the very last minute, the lender says the VA guidelines have changed And they can only do a 90 % loan to value refinance. Oh I can not locate any VA guidelines supporting this claim by the lender.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am in the process of applying for a mortgage. The XXXX, Transunion and XXXX reportedmy mortgage inquiries assepartae inquiries. I submitted the mortgagerequeststo obtain the best rate all within a 45 day period. The credit bureaus arereoprtingthem as separate inquiries. I am allowed to shop for the best rate within a 45 day perod to reflect as 1 hard inquiry. The credit bureaurs arereporting the mortgage inquires as seprate requests which have resulted in my credit score being lowered by almost XXXX points. I want the credit bureaus to accurately reflect that my mortgage application inquiries should be reflected as one inquiry in my credit score.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

See attachment : In the three attached credit files ( EquiFax, XXXX, XXXX ), you will find alleged inquiries both 'hard ' and 'soft, ' and alleged accounts that are vehemently unlawful pursuant to Title 15 U.S. Code , Chapter 41 1681 ( b ) 1681 ( i ) and in violation of The Truth in Lending Act ( TILA ), Title 15 U.S. Code 1601 et seq. and specifically 1635 ( a ).

These alleged inquiries, both 'hard ' and 'soft, ' and alleged accounts also are non-conformant with the Metro 2 Format outlined in your own Credit Reporting Resource Guide ( CRRG ), 2020 et seq.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive been sending letters to the bureaus about incorrect reporting and nothing has changed they state they cant fix it however inaccurate information is being reported ( transunion XXXX and XXXX report different on multiple accounts Highlighted in the yellow are Transunion highlighted in the orange are XXXX highlighted in the pink is XXXX. 
Accounts are different, date opened are different. Balances are different, credit limits are different past due amounts are different, comments are different, date last active are different, date of last payments are different, there are charge offs with balance amounts, balance amounts are different, my name is different even after sending documents nothing has been updated or corrected Under the law 609 FCRA it states everything must be validated and reported correctly this hasnt happened. Please review exhibits A-V all inaccurate reporting each bureau reports something different.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WINN LAW GROUP, APC (CA)

After I have been trying to settle this debt for over 1 year and the company never responded to my many attempts, I contacted CFPB and all of a sudden Winn Law Group was able to respond, but still did not provide a written settlement. I had to file another complaint first. 
With all this time past and Winn Law Group falsely filing a lawsuit against me, I had many unexpected costs caused by Winn Law Group and their lawyer Mr. XXXX : I had to send over 10 priority mail letters, I had to drive to XXXX Court 3 times, wasting money for gas etc. 
The original amount I had offered Winn as a pay-off quote {$850.00}, is not available anymore. 
I have been without work since XXXX. No work, no money. 
I am a single parent with a minor home schooling child and with this pandemic hardship and all the costs caused by Mr. XXXX, I am only able to pay a one time settlement of {$200.00}. 
Furthermore the settlement agreement that Winn Law Group sent me for the {$850.00} was not signed - IT NEEDS TO BE SIGNED BY THEM. 
PLEASE HAVE THEM SIGN THE NEXT SETTLEMENT OFFER THEY MAIL TO ME, otherwise it would not be valid, the one I received is not legitimate. 
Also, Mr. XXXX and his firm have caused me immense distress by suing me, when I had been trying to pay the debt. The distress has caused me illness, XXXX for months. 
They should offer a compensation for mistreating people, harassing others and making them sick. 
I should receive money for compensation from them. 
Furthermore, I received a phone call again today from the company " XXXX XXXX '' claiming that THEY own this XXXX Card CC Debt ... They claimed they had sent me a settlement offer a while ago and I should pay THEM .... 
Please explain and investigate! 
They called from phone number : ( XXXX ) XXXX
Consumer complaint received 2020-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ZARVAD III S.A. (IL)

I just received a call from the XXXX county because a attorney purchased a debt. From MyPayDay Loan, what I was told a thrift party purchased my debit an I didnt respond now a attorney filed charges through court, for XXXX these people are the case number is XXXX, XXXX XXXX.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (MD)

This is now my second complaint with the CFPB against bbt. My account has been closed since XX/XX/2020. I have requested a check be issued several times. Yet the money still sits in these 2 accounts. Im at my end here. Theyve left me penniless. My family had no thanksgiving and If this continues no XXXX.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

XX/XX/20 : I received a set of checks under my name and address from a " bank '' I never heard before. Initially I thought it was a mistake due to a previous request of set of checks from my financial institution. The checks are made by a third party which I contacted to let them know about that " mistake ''. 

XX/XX/20 : After 5 weeks I returned home and I found in my mail a statement from the same " bank '' I received the set of checks before. 
The statement has my name as the owner of that account. There were two deposits from XXXX for about {$5000.00}. 
I called that " bank '' Fraud line and spoke with somebody who told me the account was flagged for suspicious activity. Apparently the two deposits for {$5000.00} were for unemployment from a state I never lived there. This person gave me a long list of phone numbers to call. He also said was going to cancel the account and return the checks. 

XX/XX/20 XXXX : I call again the " bank '' Fraud line and spoke to a different person who advised me to go in person to the nearest " bank '' branch. 
A few minutes later, I called that branch and after providing my SS number, the person who helped me mentioned the DOB used to open an account under my name was wrong. 
He said that somebody from a security company that works with the " bank '' was going to contact me by phone or email. UNTIL TODAY IT NEVER HAPPENED
Consumer complaint received 2020-11-30
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. (GA)

I have disputed items on my credit report with XXXX, XXXX XXXX and Experian on the following dates. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The only bureau to respond has been XXXX. XXXX has deleted all of the erroneous accounts. 

XXXX XXXX and Experian have not investigated or responded
Consumer complaint received 2019-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX,
Consumer complaint received 2019-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans XXXX XXXX XXXX, XXXX XXXX XXXX , XXXXXXXX/DEPTOFED XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation (PA)

For the past few years that I've had this car there has been a precedent set by Bridgecrest for notifying of delinquencies. The few times I unfortunately got to the repossession stage I would receive an email telling me exactly what date I'd be up for repossession and there would be a banner on the web page when I logged in notifying of that same date. 
In XXXX I received such a notification and my car went up for repossession. My wife spoke with the reposession agent and told him that we were in the process of filing bankruptcy. He said he would take that information back to Bridgecrest. Two days later he was knocking on our door bright and early telling us that Bridgecrest advised him to pick up the car whether we were in bankruptcy or not. 
My wife called and spoke to an agent about the matter and gave the agent the last {$650.00} we had to our name. It meant we were going hungry but we needed the vehicle. The agent told my wife this would stop reposession and give us time to work something out. This was on XX/XX/XXXX. 
We started trying to gather money to get caught up and to pay for our bankruptcy filing. On XX/XX/XXXX, in the middle of the night, the day before XXXX, with ZERO warning, our car was reposessed. The agent pulled it so hard there are still marks on our driveway ( that we would like fixed ). There was no email with a reposession date, no banner on the website. None of the notifications that had been established over the life of the loan. Its as if because they knew we were filing bankruptcy they decided to just snatch it, and worry about it later. 
At this point we don't want the car back. We'll only be giving it back in bankruptcy anyway. What we do want is for Bridgecrest to keep the vehicle, remove it from my credit report, and not come after us for any deficiency. Bridgecrest was told numerous times about our bankruptcy filing and we will have no problem reporting them to the trustee for violation of the automatic stay that is in place. In lieu of reporting that and causing them legal and financial trouble, we simple want our business with Bridgecrest to be complete. We would like to go get our personal belongings from the vehicle and then would like something in writing from bridgecrest stating that the entire account will be removed from my credit report and the deficiency balance waived. We are prepared to take this to our trustee and as far as we can because what Bridgecrest did was wrong and they know it.
Consumer complaint received 2020-12-04
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. (GA)

On XX/XX/2020 I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a customer of Capital one, it is only a {$2500.00} credit on my account. Never missed a payment ever. My bank returned payment during XXXX. 

Capital One DID NOT call me at all to tell me or try to collect. I paid this overdue payment from XXXX and on the day or the day after this payment became 30 days late they have reported me to the credit bureaus as 30 days late. 

I have tried to get them to remove this but they won't. Literally every single other credit account calls me to tell me and also to try and collect over the phone and they DID NOT. 

It is very unnecessary of them to report this. I am a single XXXX and trying to move to a new place and this will lower my score 100 points.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

After reviewing my credit report and seeing Portfolio Recovery I had contacted him to provide an original contract between me and them. They never verify the debt. I called PORTFOLIO RECOVERY looking to settle this unverified debt. I told them due to covid I am not working but still tried to settle the account for {$200.00} and they told me no. 


So I decided to call XXXX XXXX XXXX  XXXX XXXX  who they claim are the original owners and they indicated to me that the account has already been paid off and is closed. 

Please forgive the negative remark made on my credit report.