davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

On XX/XX/XXXX we closed on a streamlined refinance. It was supposed to find on XX/XX/XXXX. 

I received a call from their collections department that my payment was not received. They never funded the refinance. They never notified me of the loan not funding or any issues. To date I have not been provided any explanation other than the loan processor messed something up. 

To date they have not funded or re-closed on my loan. They are threatening to report to credit bureau despite the fact that I have a legal contract/closing document that says my next ( 1st ) payment is due XX/XX/XXXX. 

Please help.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XX/XX/XXXX- the vehicle was repossessed in JXX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with XXXX XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.
Consumer complaint received 2023-04-21
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)

Although I appreciate your efforts to update and correct some of the information on my credit report, there are still some problems. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3 credit bureaus are required to verify these items. I'm hopeful that these contentious issues will be resolved as quickly as feasible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I opened a Bank of America credit card from an offer I got on XXXX XXXX. I didn't use the card for months, then eventually booked a flight that costed {$86.00}. Because I never had used the card, I completely forgot that I used it that ONE time. I NEVER received a bill. All of the sudden, I received an alert from XXXX XXXX that I had a late payment for not paying for three months. I actually couldn't even remember what it was for and I thought they were charging me an annual fee. I immediately cancelled the card and paid the {$89.00} ( {$86.00} plus some fee ). I have literally NEVER been late to pay a bill in my entire life and this can be verified on my credit report. It is the fault of Bank of America. They NEVER, EVER sent me a bill and that is how I know when things are due. I expect creditors to actually send me a bill so that I can pay them on the due date. This did not happen. Had they sent me a single bill over the course of three months, the bill would have been paid on time. I had an exceptional 800+ score and now it has dropped signficantlly all due to one Bank of America payment of {$89.00} which I was never bill for!
Consumer complaint received 2021-01-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (GA)

They reached out to me to get the full monthly payment, I advised them that I was unable to make the payment due to losing my job due to COVID-19. I have another job but I am making over 50 percent less. They worked with me from for the first few months ; however, when I couldnt afford to make the full monthly payment or the half payment the representative got extremely rude saying Ive already answered the question ten times, combative. Told me the only thing I could do was to make the full monthly payment I could break it up into two payments. The representative I spoke with on XX/XX/XXXX offered me hardship program but the rep I spoke with on XX/XX/XXXX said I could only make full monthly payments. Treating me like dirt in the process.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 I am deposit insurance check to mine Citibank account {$1000.00} in XXXX hours later mine Citibank account is close. I call Citibank customer to explain why mine account is closed. They told me that check is fraud and closes mine account. 
I am telling Citibank is wrong to closed mine account like that. By law they need to investigate first before closing some customer account like that. 
Customer service telling me they do what ever they want to do with every customer account they want. 
Right now I helping because am so stressed full right now. Please please can someone helping me to get mine right back. 
Thank you
Consumer complaint received 2021-01-22
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. (CA)

Hello I opened a XXXX XXXX XXXXXXXX credit card from an offer I got on XXXX XXXX. I didn't use the card for months, then eventually booked a flight that costed {$86.00}. Because I never had used the card, I completely forgot that I used it that ONE time. I NEVER received a bill. All of the sudden, I received an alert from XXXX XXXX that I had a late payment for not paying for three months. I actually couldn't even remember what it was for and I thought they were charging me an annual fee. I immediately cancelled the card and paid the {$89.00} ( {$86.00} plus some fee ). I have literally NEVER been late to pay a bill in my entire life and this can be verified on my credit report. It is the fault of XXXX XXXX XXXXXXXX. They NEVER, EVER sent me a bill and that is how I know when things are due. I expect creditors to actually send me a bill so that I can pay them on the due date. This did not happen. Had they sent me a single bill over the course of three months, the bill would have been paid on time. I had an exceptional XXXX score and now it has dropped signficantlly all due to one XXXX XXXX XXXX payment of {$89.00} which I was never bill for!
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX.Account number XXXX and Account number XXXX In those2 months I have not received the requested information for verification of these account. I have asked numerous times for a valid response. I have not received anything in response from this bureau in over 30 days as well. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2021-01-22
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please delete these accounts asap. Thank you
Consumer complaint received 2021-01-22
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. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately.
Consumer complaint received 2022-09-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/XXXX at XXXX XXXX I returned a call to a company claiming to be litigation on behalf of a client. The name of the company was XXXX XXXX and XXXX. They claimed to be attempting to collect a debt that originated in XXXX although they inaccurately claimed XXXX because they are the second company to attempt to buy this old debt. The accusation was that for a small checking account overdraft at XXXX XXXX XXXX in XXXX MIchigan of less than {$100.00}, they would be serving me a lawsuit in which they would seek over {$6500.00} in the form of a judgment against me. They said I would be getting served notice of the civil suit. During the call, they also proceeded to read me my full social security number over the phone and further had run an unauthorized hard inquiry on my credit report. He was reading items off my credit report to me during the call which made me feel unsafe. He also threatened that my wages would be garnished XXXX XXXX or I could settle with a payment plan. The next day, I received another hard credit inquiry from the debt collection agency. The debt collection company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I am setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I have reached out to Bullcity financial in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request proof that this debt is mine. I have requested the signed agreement showing I am the account holder liable for the debt. They do not respond and have yet to furnish the proof.
Consumer complaint received 2022-07-22
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 — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (GA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

NAVY FCU XXXX XX/XX/2021
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (CO)

Starting in XXXX of 2020, I contacted XXXX about falsely reporting an amount to a collection agency. They reversed the amount XXXX Early Termination fee ). They told me that I would need to pay the balance unrelated to an ETF, which I did. They informed me they would pull back from the collection agency. I have disputed the account through all 3 credit bureaus and Franklin Collection Agency still shows up on XXXX. Per XXXX  I have a XXXX balance and they don't understand why Franklin Collection Agency shows a balance. I have called FCA and they tell me they can't remove the balance, because it is still showing on their end. I have exhausted all efforts. This was false reporting to begin with and they are still showing on my credit report.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/21 I received a notification in my email that I added a recipient for XXXX that I did not add. Then there was a transfer out of my account for {$250.00} to this person ( XXXX XXXX ) I called USAA immediately and said I did not complete or authorize this transaction, the representative found another unauthorized transaction approx. 7 days prior that I received no notice of. It was another XXXX  account ( XXXX XXXX ) again for {$250.00}. I told USAA that I DID NOT AUTHORIZE NOR WAS I AWARE OF THIS. I never sent these payments and I have no idea who these people are. I asked what I could do to secure my account and I was told " change my username and password ''. Then, a few hours later, my husbands ( same account ) information was used- it was not his email that was used- and he was fraudulently registered on XXXX and within 2 minutes, money was sent to XXXX XXXX ( we don't know who this is and my husband has NEVER used XXXX  ). In fact, he was sitting next to me on the couch when USAA said this transaction was made!!! We did NOT authorize this and we have no idea how our accounts could have been hacked. I contacted USAA again and we submitted another fraud claim however we were told yesterday XX/XX/21 that our EFCM claim was denied! How is this possible!
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (GA)

My wife and I submitted a mortgage application. After a credit check, we discovered the credit bureaus sold our information as a result of the credit inquiry. We have been bombarded with calls and text from companies all over the US asking about our mortgage. This is a shock to me that the credit bureaus can sell our data. Ive written a complaint to my congressman as well. Is this a legal practice? If so, what is the federal code that allows this unethical practice? 

Regards, Very upset in the data breach XXXX XXXX
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (CA)

I owned a XXXX XXXX XXXX XXXX leased vehicle. A few months before the end of the lease, I received an email from Audi Financial stating that my lease is approaching and I might be eligible for a waiver. To make sure that the email is legit I discussed with the dealer and was assured that I won't be liable for the remaining payments if I exchange the car. Therefore, I agreed to verbal terms and exchange my existing car with a newer model because the XXXX XXXX had safety issues and XXXX wasn't able to fix it. 
Through the lease term, I reported many issues that the car XXXX was faulty which caused the rearview camera to go black and the safety sensors of the car did not work. Because of that, the rear tailgate light broke while backing up. 
On XX/XX/XXXX I leased an XXXX XXXX XXXX from XXXX XXXX of XXXX. They delivered the car to my residence and took the XXXX XXXX. Around XX/XX/XXXX I received a final bill from Audi financial. The statement was dated XX/XX/XXXX. Upon reviewing the bill I contacted Audi financial immediately to discuss the matter. The gentlemen told me that they might be received a check from the dealership and advised me to contact the dealer to follow up. I followed the advice and contacted the dealer who also advised me to deal with the Audi financial. 
On XX/XX/XXXX I contacted Audi financial again and discussed the matter with XXXX Id # XXXX. Going over and over XXXX advised dealing with the dealership. She also offered a settlement of {$700.00} which I believe is ridiculous during the current COVID lockdown when almost every barely meeting income need to be current on the financial obligations. And when I brought this up to her she did not care. Indeed XXXX advised me to discuss the matter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Following XXXX 's advice, I called the number and reached out to Audi Financial. This time XXXX told me the thing and advised me to contact the dealer. So after taking advice by contacting the dealer I found out that nobody is available to talk except the operator who will get the detail and call back. As a victim in this situation, I feel like this communication will be never-ending and they are bouncing me like a ball. Therefore I am taking all necessary action to resolve this matter.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (GA)

I would like to make a formal complaint against Perfection Collection LLC. They are attempting to collect a debt associated with a XXXX  account that I have no knowledge of. This account continues to report negatively on my credit report with account number XXXX. I have no knowledge of this account. I was harassed once at my job concerning this account. I feel that it was unprofessional and caused me emotional distress. There has been no resolution concerning this matter. I have requested an investigation concerning this account several times. I have never had an account with this company and was a college student living on campus at the time the debt was supposedly made.
Consumer complaint received 2022-09-22
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. (GA)

There are currently credit inquiries on my reports that I did not authorize. I have no knowledge of these inquiries. I am a victim of identity theft and my police report and FTC document is on file with all three credit bureaus. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-22
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: JPMORGAN CHASE & CO. (CA)

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XXXX XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-22
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. (GA)

There are currently credit inquiries on my reports that I did not authorize. I have no knowledge of these inquiries. I am a victim of identity theft and my police report and FTC document is on file with all three credit bureaus. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Shellpoint is refusing to review and grant me a loan modification. I have no active sale date. I was in a prior bankrucpy but the payments are not affordable. I personally believe Shellpoint is doing this because they know I have equity in my home. I owed about {$140000.00} on my mortgage and my home is worth about {$270000.00}. On XX/XX/2020 Shellpoint stated that I was not eligible because I already applied too many times for a loan modification, although none were ever approved. They also stated they dont have details of each application. 

There is no federal law or guideline that limits the amount of applications I am allowed to submit. My income is more than enough to qualify for a loan modification and what is being done to me in the time of this pandemic is extremely unfair and prejudicial and is only being done because Shellpoint knows there is equity in my home and they can get the entire loan balance at a foreclosure sale.