davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (PA)

I received from  XXXX   Country Tax Claim Bureau  on  XX/XX/XXXX   a " Notice of intent to  Asses  Attorney Fees '' by certified mail because I have a delinquent taxes due {$3500.00}. I send to  Caliber Home  Loans copy of this letter by certified mail and by the system. Then I call to see what happened with my property taxes. They tell me that open a research and after  1 1/2  months  (  final week of  XXXX   XXXX  they tell me that all the taxes have been pay by  Caliber Homes  including the penalties fees. I request a copy of the payment but never send me this.  <P/> Next I received from  XXXX   Country Tax Claim Bureau  on   XX/XX/XXXX   a " Second Notice of intent to Asses Attorney Fees '' by certified mail. I sent to  Caliber Home  Loans copy of this letter by certify mail and by the system. I call again and they tell me that the property taxes has been pay in full.  <P/> Then I received a letter with analysis date   XX/XX/XXXX   from  Caliber Homes Loan th e same requires me to pay {$3000.00} for the escrow account.   I am writing a letter back to require a correct analysis of my escrow account that has been misused by   Caliber Homes Loan.
<P/>  My Analysis of the Taxes that I send to  Caliber  in the letter  : 1.  The taxes for  XXXX  ( according to invoices  )  were {$690.00}  ( county &  municipal ) + {$2200.00 } (  school ). For a total of {$2800.00} before   XX/XX/XXXX  . You debited from my escrow account on   XX/XX/XXXX   the amount of {$1600.00} ( city/town/township ) and on   XX/XX/XXXX  he amount of {$2000.00}  (  school ). For a total of {$3600.00}. There is a difference of {$780.00} that you took out of my account.  <P/> 2. The taxes for  XXXX  ( according to invoices  )  were {$1600.00}  ( county  & municipal ) befor e XX/XX/XXXX   + {$2000.00}  (  school ) before   XX/XX/XXXX   for a total of {$3600.00}. You debited me from my escrow account in  XXXX   XXXX  the amount of {$1700.00}  (  city /town ) + {$2900.00}  (  city/town ). For a total of  XXXX  taxes of {$4600.00}. There is a difference of {$980.00} that you took out of my account.  <P/> I send to  Caliber Homes  Loans a certified letter on XX/XX/XXXX  explaining all of this and requires the immediate correction of this. I never received a call or letter from  Caliber  and still have in the web site my new increase payment on my loan.  <P/> Is very important to let you know that I 'm never pay late my home and I am not responsible for taxes penalties. I call  Caliber Homes  yesterday to follow up my letter again and they tell me that my property taxes has been increase and that 's why. I tell the lady that talk to me that is impossible because I have a homestead exclusion in this house and they have copy of that.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

Equifax suppose to have investigated a Tax lien that is showing up on my credit report for {$1100.00} which is incorrect yet they are saying it is reporting accurately. Tax Lien Reference # XXXX. Please be advised that this is my SECOND WRITTEN REQUEST asking Equifax to remove the unverified account listed below that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the correct name of that individual, their business address, and telephone number because the number you provided was n't correct. 
XXXX Law Dictionary, XXXX Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (MD)

I requested all the documents including my credit file and emails from PHH Mortgage on my loan a few weeks ago. When I did not hear anything after a week I called and spoke with someone in the Office of the President, XXXX XXXX. XXXX XXXX sent me a secure email with my application from XX/XX/XXXX attached but stated they ( Mortgage Services ) did not keep emails and that she could not release to me a copy of the credit report from XX/XX/XXXX with my file I would have to contact the credit bureaus. Looking back and previous mortgage XXXX as supplied with a copy of the credit report. The credit report from XX/XX/XXXX I am seeking proves I do not owe a loan XXXX XXXX XXXX is fraudently trying to collect from me and has placed my home in foreclosure because I refuse to pay them. PPH Mortgage sold my loan to XXXX XXXX and only services it but they have the paperwork which proves my claim that I did not reuse a loan opened in XX/XX/XXXX. I believe they will not provide me with the emails ( everyone keeps emails ) and the credit report because XXXX XXXX has made up documents and this will prove it. My complaint is why are they not required to provide me with the forms and emails I requested as I am sure they are part of the file.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It  May  Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by :  1 .    XXXX   XXXX   XXXX    -- Unauthorized Credit Inquiry ON DATE :   XX/XX/XXXX  2 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON DATE :  XX/XX/XXXX  ,   XX/XX/XXXX      3.  XX/XX/XXXX  -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX  4.  XXXX  - - Unauthorized Credit Inquiry ON Date XX/XX/XXXX   5.    XX/XX/XXXX   -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX   6. TOTAL MERCHANT SERVICE -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX  I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.  <P/> I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.  <P/> If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.  <P/> Thank you,  XXXX   XXXX   XXXX
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

They continue to call me three sometimes four times day, regarding the payment for house. I have specifically asked, both written, email, and verbally not to call ( cell phone ). In the last three days they have called 6 times, initially using an auto dialer.
Consumer complaint received 2017-07-12
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. (IL)

I submitted a dispute to Equifax on  XXXX / XXXX / 17 . My fax was confirmed as successful. I logged in to check the status on  XXXX / XXXX / 17 , and their website is stating that they completed the results, but the results were listed as N/A. In the past 6 months I have gone back and forth with Equifax on reporting addresses I do not live at, and have never received a piece of mail at. They refuse to remove the address. Also, I am disputing Inquiries made under my name that I did not authorize, and they refuse to supply me with proof that I made the inquiry and refuses to remove the inquiries from my credit report. I provided information that in the month of  XXXX   2017  I was in  XXXX  &  XXXX  and my credit card information was stolen resulting in some of the inquiries. Not only have not investigated anything, but their website is stating that they complete the investigation, but provided NO results to me. I am so tired, and I am so frustrated with them. They have items on my credit report but are n't providing me any data that states how they are " verifying '' the accounts belong to me. This is stressful!
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C. (FL)

I received phone calls from Trident Asset Management looking to collect of a debt that was stemming from a 2014 case of ID theft. I explained to the contact there that that I had a documented case of IDT and it was reported to the major credit bureaus and filed police reports. I did not hear back from them for several months. I have recently been receiving demand letters from XXXX XXXX XXXX of Trident Asset Management. I sent her a certified letter with a copy of my police report proving my claim of the false debt and am continuing to receive demand letters from her. Stating that if I do not respond in writing within 30 days they will consider the debt valid and have a judgement made against me. I keep responding and they keep sending me letter telling me that they are going to get a judgment.
Consumer complaint received 2016-07-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

In XXXX XXXX, a solar company ( not in business anymore ) sponsored by XXXX Bank scam me into buying a solar panel for {$7900.00} when it was supposed to cost me close to {$4000.00}. Since I was not working at the time I never thought that XXXX will ever approve me with what they were promoting as a Home Project XXXX Card much less for {$3900.00}. To my surprise, I was approved not for the {$3900.00} that the project cost but for {$7900.00}. I called the solar company and I was inform to make the first payment, wait 30 days and that after that they will straight everything out. When I call them again after 30 days, they were out of business. XXXX was not help at all. They said I must pay the full loan or they will report me to the credit companies. They did. 
In XXXX XXXX I got a collector 's letter from XXXX XXXX XXXX XXXX, XXXX. They said I own {$10000.00}. I respond them to prove me that I own that money. They never respond me. 
In XXXX XXXX I got another collector 's letter for the same amount, this time from Resurgent Capital Service XXXX. I did ask them to prove me I own that money. They never responded. 
Since these collectors never responded, I did assume everything was Okay. 
Well, I am working now and want to start my own XXXX business and to my big surprise and disappointment, when checking my credit score it was in the low XXXX. The XXXX report from XXXX XXXX shows the XXXX loan shown as charged-off ( bad record ) but also shows a collection for {$10000.00} from a LVNV Funding LLC XXXX, collector company I never heard of, where it state that the originator is XXXX. To make matters worst, the loan has a date opened of XXXX XXXX, 2 years and 4 month after the XXXX loan was approved. 
I understand that it probably was my fault that I fell for the scam to begin with, but whatever I did wrong, I did it in good faith and with no intention to hurt anyone. These companies, XXXX and its accomplices, the collector blackmailers all they want is for me to pay for a wrongful loan generated by a corrupt bank or my credit history will be ruin, which already is. 
Now that I want to something good for myself and others, I found my hands are tight by a bunch of crooked XXXX scammers where my only option is to pay my ransom ( {$10000.00} ) or else. 
All this information is documented and should you see that you can help me, fact that I will very much in appreciation, please let me know so I can have some hope for my future. 
Very truly yours, XXXX.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC (CA)

I am XXXX years old and can not pay {$570.00} per month for this transaction I did not know that the usury interest of 223 % would be so much ... .They want me to pay {$10.00} XXXX in interest on a {$3000.00} my social security check is XXXX ... .Please help me
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/XXXX, I applied and was approved for a car loan, during the 10 year period of the loan, payments were made and subsequently, the loan was satisfied. After recently reviewing my credit report, I noticed several inaccuracies. In particular, there are XXXX entries I noticed as inaccurate. On XX/XX/XXXX, Santander indicated I was 90 days late, which is inaccurate. 2 ) On XX/XX/XXXX, Santander indicated I was 60 days late, which is inaccurate. 3 ) The report indicates the terms were {$140.00} for 72 months, which is incorrect. Finally, I have no confidence in Santander 's administrative accuracies and their failure has fueled the negative entries on my credit report. These inaccuracies are reducing my chance for homeownership. Attached are XXXX documents recently received from Santander, in which, they clearly admit there are administrative and record keeping issues that was uncovered during an audit. " during a recent audit, we determined your account is due a refund ... '' This admittance has caused me to lose total confidence in Santanders record keeping. As a result, I believe there is more incorrect information reported that is negatively listed on my report and the possible reason for future credit denials.
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (PA)

I recently refinanced with XXXX. The mortgage company servicing the loan is Shellpoint Mortgage Servicing XXXX Inc. XXXX months after my re-finance, ShellPoint raised my mortgage from {$1200.00} per month to {$2000.00} due to an " escrow shortage ''. They believe that my school tax had risen from {$3000.00} per year to over {$9000.00}. After contacting them several times and providing clear information about what the school tax actually should be, they still have yet to fix the issue, nor can they provide me with the actual bill that states {$9000.00}. I 'm running out of time before my payment is late this month, but I do n't have {$2000.00} to pay every month for my mortgage. I tried getting this fixed last month and it still has n't been fixed.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

My  XXXX   XXXX   XXXX  is trying to open an account with Wells Fargo. When he presented his social security number, they were unable to give him online access to the account because his social security number is already in use with a customer of Wells Fargo in California. This is crazy, and cements to me that son 's credit identity has been stolen and is being used. Because he is minor, I have been unable to pull his credit report from  XXXX  of the  XXXX  major crediting agencies. And how is a  XXXX  in California using my UNDERAGE SON 'S CREDIT INFORMATION WITHOUT MY PARENTAL AUTHORIZATION?
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by : 1. XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON DATE : XX/XX/XXXX 2. XXXX XXXX -- Unauthorized Credit Inquiry ON DATE : XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX4. XXXX -- Unauthorized Credit Inquiry ON Date XX/XX/XXXXXX/XX/XXXX5. XXXX XXXX -- Unauthorized Credit Inquiry ON DateXX/XX/XXXX 6. XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON DateXX/XX/XXXX I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.
<P/>
I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.
<P/>
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
<P/>
Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

To Whom It  May  Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by : 1.   XXXX   XXXX   XXXX   -- Unauthorized Credit Inquiry ON DATE :  XX/XX/XXXX  2 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON DATE :   XX/XX/XXXX ,  XX/XX/XXXX  3.  XX/XX/XXXX -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX   4.  XXXX  -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX   5 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX  6.  TOTAL MERCHANT SERVICE -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX  I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.  <P/> I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.  <P/> If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.  <P/> Thank you,  XXXX   XXXX   XXXX
Consumer complaint received 2017-07-12
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. (SC)

I have been disputing credit inquiries with Transunion and have not had successful results. A computer glitch that was Transunion 's problem caused my inquries to be deleted and later on they were added back on to my report without giving me the legally required written notice 5 days prior to them being added back on. I have contacted the credit bureau in good faith to delete these but they are still on my reports. My rights were violated by Transunion and these inquiries have caused me to lose points on my credit score. Will the CFPB please stop Transunion from victimizing me.
Consumer complaint received 2017-07-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NH)

From XXXX to XXXX I received student loans from XXXX XXXX. I begin the repayment of these loans in XXXX, however over the course of 10 years the owed amount has increased even though I pay faithfully every month. During the course of those 10 years I attempted to negotiate the terms with XXXX XXXX and now Navient yielding zero results. Often times the customer service representative would explain to me that they are not entitled or obligated to change the terms. Additionally the representatives would basically tell me " tough luck ''. As a result the principal amount has increased {$3000.00} over the 10 years of attempting to pay back these loans. I believe these are predatory lending practices without any checks and balances.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I saw an offer on Citi bank web site that if I open a new checking account by XXXX/XXXX/XXXX and deposit {$15000.00} within 30 days and keep it for 30 consecutive calendar days than I will earn {$400.00}. I called the bank on XXXX/XXXX/XXXX and opened over the phone a checking account and deposit the {$15000.00} on XXXX/XXXX/XXXX at the branch. It passed more than 4 months and they still did n't honor their promise to give me the bonus. I called numerous times and was told that money will be in my account after XXXX XXXX, XXXX ( after 120 days ). I opened a service request on XXXX XXXX, XXXX - Request # XXXX, then followed up on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I never got the money or any response from the bank. Since I followed all the requirements of the offer, I think it will be fraud on their part to keep telling me that I will receive the bonus after XXXX XXXX and use my money for more than 4 months and eventually not paying it and just ignoring my requests. If the issue will not be resolved I will file a complaint with Federal and State Attorney General 's offices.