davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (SC)

After reviewing my credit report I notice a foreclosures from a mortgage company called Caliber Homes that I never heard of or had a mortgage with! The only mortgage I have had was through XXXX mortgage. I then realized there were XXXX foreclosures from the same property. My wife and I went to court and lost our home to XXXX in 2013. 

I submitted a dispute with the credit bureau regarding Caliber Homes and requested the name, address and telephone number, of who they contacted in order to verify the information. I informed them that I was putting a file together of all names, titles, and documents. This would provide me with legal documentation if I need to take this to court. 

. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I went to the county court and got a copy of the foreclosure all documents had XXXX. I spoke with the staff at the county court and they also could not understand how a company could place a foreclosure on a credit report without taking them to court because XXXX is a judicial foreclosure state. 
I 'm demanding the Caliber homes remove this from my credit report. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Please see attached documents.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (AZ)

Freedom Mortgage, the company that currently holds the note on my primary residence, sent me a letter in XXXX 2016 indicating that I could refinance my primary residence for free. I took them up on the offer, and began the process. Now, more than 3 months later, they have still not finished the refinance, they continue to ask for meaningless information, and have increased the amount owed at closing to over {$2000.00}. Freedom has not done their due diligence to complete my refinance on time. In addition, they have displayed a gross lack of integrity by getting me to begin the process by offering a " free '' refinance, and then increasing the amount of cash required at closing to over two-thousand dollars. That is called a bait-and-switch scheme. They have also not adjusted the term of the new loan over these past three months, even though I have been paying my mortgage. That means they are illegally increasing the term of the loan. Their complete lack of integrity, fiscal responsibility, customer service, and due diligence thus far has been more than disappointing ; it is criminal.
Consumer complaint received 2017-03-08
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (ID)

I purchased a Money Gram money order from my bank on XX/XX/2017, and sent it to XXXX TX that same day. The XXXX it made it to XXXX, but has been in transit and delayed ever since. I have been tracking it multiple times a day. I have been in contact with XXXX different post offices in that area. The lady that was to receive the money order from me has went to the post offices every day for the last 4 days and has opened a claim on the missing mail. I have been in contact with Money Gram headquarters to see what my options are. They told me that it has to be missing for XXXX weeks before I can submit a claim for a refund. In the meantime if someone fraudulently cashes the money order, I am out the XXXX. The also told me that it would take them minimum 20 days from the time they receive the claim to process the refund, if they decide to give me a refund at all. They also told me that once the claim has been submitted, and someone fraudulently cashes the money order during this time, I am out the XXXX. How are these people in business with no FDIC insurance or any sort of insurance?? They also told me that they would not put any hold or stop payment on the money order so that it can be cashed at any time.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX XXXX I applied for and was approved for an XXXX Platinum card with a XXXX Membership Reward point bonus after spending {$3000.00} within the first 90 days of card membership. 

On XXXX XXXX I called XXXX to confirm that I was eligible for the offer - the rep confirmed my eligibility. To make totally certain this was accurate, I then called back two more times and spoke with different reps who also confirmed eligibility. 

Based on these approvals, I then spent {$3000.00} on the credit card. But for the confirmation made my XXXX reps, I would not have spent this money and would not have singed up for the credit card at all. 

I have contacted XXXX who is now ( after I spent the {$3000.00} ) saying that I 'm not eligible for the point bonus. They first conducted an investigation in which they claimed that I never called to verify eligibility. After providing proof that I called, they then changed their story to say that they were able to find the calls and confirmed that the representative did confirm my eligibility. However, even though they admit their mistake, they are still not willing to honor the point bonus. I have defrauded out of {$3000.00} and XXXX membership rewards points. 

Please see the attached documents which highlight my application approval, my phone call records, letters from XXXX denying I called, and their eventual admission that I did call, but they are unwilling to make good on the word of their reps.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen financial continues to charge us for home flood insurance despite us not being in a flood zone since 2014. We have sent Ocwen the proof, from FEMA, stating that we are not in a flood zone since 2014. They have even acknowledged receiving the proof ( letter ) we sent to them stating we are not in a flood zone, each year since 2014, but they continue to try and forceplace flood insurance every year in XXXX when our escrow account is renewed. They are clearly trying to charge us for something they know we do not have to pay and they make it very hard for us to get the flood insurance they 're trying to forceplace canceled, despite us sending them all of the necessary paperwork 2 months prior. This is a wide practice and I am shocked that they continue to do this. They act with impunity and they 're harming consumers. I would like to see some action taken against them for knowingly trying to charge customers for something they do not have to pay.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (GA)

I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt. 

Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].
Consumer complaint received 2016-06-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I have had several auto loans with Bank of America, all paid on time and in good standing using their eBill auto-payment functionality. In XXXX of 2016, I logged into the BofA website and added an additional bank account to my profile that may be used for bill payment. I kept the original account on file, as this was tied to the auto-payment. Apparently, the addition of the bank account caused a failure in the XXXX auto-payment. I noticed on XXXX XXXX that the funds hand not been withdrawn from my account and logged in and manually paid the outstanding amount for XXXX and XXXX. The website shows the payments were accepted and the funds were withdrawn from my bank account. Between XXXX XXXX and XXXX XXXX I received 21 auto dialed calls. On none of which were messages left, nor was any email or mail sent to inform me of my late status. The calls were automatically blocked by the built in XXXX XXXX XXXX call protection service as spam/scam calls. I 'm filing this complaint because they are clearly harassing myself and others. When I noticed the number in my call protection logs, I called them on XXXX XXXX and they stated they did not show my payment as being applied, even though the funds were already taken out of my account. I was told the calls would continue until the payment was posted. I do n't think it should be possible to take someone 's funds and continue to harass the borrower. I have a credit score of XXXX and have never missed a payment with BofA until their technical failure caused XXXX 's issue. I remedied the situation within 30 days and did n't even request or receive credit for the late fees applied. Clearly, their automated processes lack oversight, timeliness, and reliability. This type of irresponsible harassment should not be something borrowers should have to experience.
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

back in XXXX we were not aware of a credit card open in a frauduent name husband name for aspire credit card, we found out in XXXX when my XXXX husband was notified in mail by a summons for a judgement of XXXX then I started to let them know that it was not ours and we had no knowledge of any credit card. I received no response from midland funding debt collector. I called and they would not listen. in XXXX we get another summons by them but noticed it was taken out of collections so we had not idea it was in public record for XXXX we proceeded to try to settle with them but they wanted XXXX I offered XXXX then I offered XXXX but they wont settle, they know my husband is XXXX years old and XXXX and XXXX but midland funding just keeps sending summons in our mail box and I keep writing to them stating we are willing to pay for just to get it off but at this point I do n't want to pay I want to take them to court to get this off and tell our side of the situation. they are rude and lie and say they will draw up a contract of payment so I can review it and move forward, so I have disputed it with the XXXX and XXXX to vacate the public record and get it off we are still awaiting, midland funding is a 3 rd party debt collector being sued by a class action law suit I would like to see justice done with them. 
thank you. attached are letters I tried to offer.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

I have a Credit Card with Citibank. I made a purchase on the credit card for {$130.00} on XX/XX/2016 for a a commemorative XXXX. The XXXX received was not the XXXX advertised for sale. I made a disputed transaction with Citibank on this transaction because it was not the correct product purchased. 
I received a letter from Citibank dated Friday XXXX/XXXX/2016 asking for details of the disputed transaction within 10 days of receipt of the letter. I received this letter on Thursday XXXX/XXXX/2016. I completed the requirements of this request, signed and dated the return response on XX/XX/2016. 

I later received a letter from Citibank dated Tuesday XX/XX/2016 saying that the dispute was denied because they did not receive the complete response. This letter date was 4 days XXXX XXXX business days XXXX after the first letter and before I even received the original letter. 

So here 's the time line Fri XX/XX/2016 Citi date letter XXXX XXXX ) and request return within 10 days of receipt Tues XX/XX/2016 Citi deny the disputed transaction via letter XXXX XXXX ) Thur XX/XX/2016 I receive letter XXXX XXXX ) and provide requested details Mon XX/XX/2016 Mail this response back to Citi My complaint is obvious. Citi fraudulently made no attempt to investigate my claim of a defective product from a merchant. Their denial letter was dated 4 days ( XXXX business days ) after the the original request for information. This dishonest action obviously gives me no possible chance to satisfy their " investigation ''
Consumer complaint received 2016-10-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

I asked Chase bank customer service to set up my checking account so that it will not allow transactions to process if there is not sufficient funds in my account. In essence, so they would bounce back to the originating source. Chase cs sent me a link to use but it did not work for my checking account. Since then several transactions have processed through my account when there has not been sufficient funds and they are charging me fees for these items.
Consumer complaint received 2016-10-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Financial Credit Service, Inc. (OH)

company named ARA contacted my elderly mother and spouse. XXXX message said I had XXXX counts of check fraud. Another message stated I had XXXX counts of fraud. I contacted them XXXX/XXXX/16 to discuss. My mother and husband forwarded me messages they sent in regards to the matter. They stated consider the message my notice of suite XXXX The problem is I am unaware of what the debt is and why it was considered fraud. I have reported it to the Ohio XXXX XXXX office. They have XXXX different case numbers. The numbers are XXXX, XXXX, XXXX ( as of today ) They have threatened to serve me at my job and home. the numbers for these collections are XXXX ext XXXX and XXXX ext XXXX
Consumer complaint received 2016-10-27
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (MA)

I had sent {$1000.00} to repay my education loan in XXXX through Western Union. I made this transfer on XXXX of XXXX, 2016 ; However, they have not delivered my money yet as of XXXX XXXX, 2016. I have made tons of phone calls to customer care and I have never gotten any satisfactory answer 's other than wasting hours together during my day job. So, I made an attempt to track the transaction through my bank, On XXXX XXXX Western Union has sent the money through their partner Yes Bank to my bank. However, due to some technology transformations my bank did not process the transaction on the same day. SoXXXX Bank reverted the transaction on XXXX of XXXX and deposited to Western Union account which is register with XXXX Bank. When I being a customer can track this transaction so easily, Why is Western Union is taking so much time to do this? I feel something is not right in this case. I should have never trusted Western Union! I have complete email details from the XXXX Bank who has deposited my money to Western Union Account.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

I have my XXXX benefits direct deposited to chime when these fraudulent charges began I had only had chime for about 2 months. XX/XX/2023 I got XXXX for violating my XXXX XXXX  in XXXX XXXX ga. The pulled my time on my XXXX  which means I was to stay in XXXX XXXX XXXX XXXX was over. And I would be done with probation. I was released on XX/XX/XXXX .. when. U are sentenced to time more than a month the XXXX  asks for your personal property to be released I'm guessing. So that they are not responsible for it. To release everything except. The clothes worn in when arrested. My friend and neighbor next. Door picked upy property. She took my purse cell phone jewelry. Everything I had but clothes to my home. Who I share with. A roommate. She put my belongings in my bedroom .which I have a lock on my door. So all these months by and I'm proud to know that. My benefits have been accruing and I will have a good bit tof money saved up. Made plans to myself to get my license back something I couldn't. Do with receiving my money just monthly but my card not being touched for. 5 months I can now finally get legal when I got home. Got to my phone to get to app use money. My balance was XXXX. Savings. XXXX. How could this be. I then started digging on transactions and activity from XXXX to XXXX and found money transfer 's atm withdrawal s. Transactions for the entire time of my XXXX XXXX. Up. U til the very same day I came home transfers to a person that I knew. Trusted. Supsed to be my friend I allowed him to come help with my dog from time to time while I was gone. Of coarse when I confronted him. He denied it. I called the police to come out. To report it. I called chime. Filed claims for every transaction and any activity to occured from XX/XX/XXXX to XX/XX/XXXX to being fraudulent and unauthorized transaction and charges... I sent chime this. Including a document from the XXXX XXXXXXXX  sheriff 's office staying my dates in. XXXX XXXX XXXX XXXX XXXX. Chime left me feeling like I had nothing to worry about. They have done nothing but close my account. My app was locked I couldn't get into it to show the fraud detectives the charges and transfers noonw from there. Has given me any explanation to why denial or for closed acct. Infact. Say I am to pay them back. The money I claimed and disputed. I have a mountain of emails back and forth and still I don't know anything except. I was denied and I owe themu own money that I never. Received that was stolen from me. I need help I need my money I am reaching out to whoever can plz. Help me. I have done and will do whatever I need to get this resolved and refunded. Because. I was I XXXX  and believing what was the furthest from the reality of what's happening to me. It was hard enough. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but to come home to getting robbed of al I had. My water is bout to be off. My power too. I HABE no way to pay for anything groceries nothing plz help me
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PINNACLE RECOVERY, INC. (NY)

I own timeshare at XXXX. I contacted them and asked to turn my timeshare in and I was told that I can start the process in XXXX. When I tried to do this in XXXX they said that I had to pay my next year 's maintenance dues first. I said they never told me that before XXXX that is the requirement. I am not going to give them a payment for not using my timeshare. I told them I would not pay and they said they will put me into collections and charge me interest and penalties that were more than my {$1500.00} yearly maintenance. They also said that they would put it on my credit report and then get a judgement against me, seize my bank accounts and garnish my wages. These timeshare companies use tactics that are very scary and this needs to be addressed. If these timeshares are so valuable why don't they take them back and resell them?