davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I am elderly person that is trying to keep his home, I have tried numerous times to submit a loan modification package, but my mortgage servicer Caliber Home Loans underwriter has made my process impossible. Hiding behind guidelines just to delay my loan modification review. I provided a fully package back on XX/XX/XXXX, then my servicer stated that they need 30 days to review, I was supposed to received an answer on XX/XX/XXXX, but instead the underwriter requested pay stubs for someone that has nothing to do with my mortgage since I provided a quit claim deed. But the underwriter never looked at this. By requesting this he or she was able to go on with the holidays. By the time they figured out that what he or she requested was not needed, 30 more days passed by and I was falling deeper in debts since they are adding all type of fees on top of my mortgage. I went to court again on XX/XX/XXXX and a day before my settlement conference, they underwriter stated that my pay stubs were fraudulent and requested more pay stubs. I went to court with my most recent pay stubs and provided them to the court. The bank attorney did not want to take the pay stubs, but instead to fax them or email them to Caliber Home Loans. I sent my pay stubs to Caliber Home Loans, they told me that it will take 5 to 7 days before these information shows up on their system. By the time they looked at my pay stubs, all my previous documents expired, now I have resubmit a whole new package and I am sinking in debt, now I owed {$61000.00} and requested help 3 months after I failed behind. I can not get a good faith review of my loan modification application and I am caught in this horrible vicious cycle. I am seeking your help, I can not lose my home, it is everything that I have. I beg for your help. Thank you
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

LOAN ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX THIS LETTER IS TO SUMMARIZE WHY YOU RECEIVED OUR PAYMENT LATE. I HAD MAILED OUT THE PAYMENT ON XX/XX/XXXX. WHEN MY WIFE WENT TO RECONCILE OUR ACCOUNT SHE REALIZED THAT THE MORTGAGE MONEY WAS STILL IN OUR ACCOUNT. THAT IS WHEN SHE CALLED TO SEE IF SHELLPOINT HAD RECEIVED THE PAYMENT. THIS WAS ON THE XXXX OF XXXX. SHE CALLED THE BANK TO SEE IF THEY HAD ANY RECORD OF THE CHECK BEING CASHED. THEY DID NOT. SHE RECEIVED OUR MAIL AND SAW THAT THE CHECK HAD COME BACK IN THE MAIL DUE TO MY ERROR I FORGOT TO PUT THE CORRECT POSTAGE ON IT. SO SHE CALLED XXXX IMMEDIATELY AND MADE THE PAYMENT OVER THE PHONE. THEY INFORMED HER THAT THEY HAD TRIED CALLING TO LET US KNOW THAT THE PAYMENT HAD NOT BEEN RECEIVED. SHE ASKED WHAT NUMBER THEY HAD ON FILE AND THEY TOLD HER XXXX. SHE KNEW THAT YOU HAD THE WRONG NUMBER BECAUSE SHE HAD CHANGED IT WITH SHELLPOINT 6 MONTHS AGO. SO HAD SHELLPOINT CORRECTLY CHANGED THE NUMBER WE WOULD HAVE BEEN INFORMED BY THE XXXX THAT THE PAYMENT HAD NOT BEEN RECEIVED AND THIS WOULD HAVE BEEN HANDLED WITHOUT IT BEING REPORTED AS A 30 DAY LATE TO THE CREDIT BUREAU. 

SO IN FACT IT IS AN ERROR ON YOUR PART THAT ONE OF YOUR EMPLOYEES HAD NOT TAKEN THAT CORRECT MEASURES TO CHANGE OUR INFORMATION ON OUR ACCOUNT. IT IS BECAUSE OF THIS THAT I AM ASKING YOU TO PLEASE REACH OUT TO THE CREDIT BUREAU AND REVERSE THE LATE REPORTING. WE WOULD NEVER HAVE LET THIS GET PAID A MONTH LATE. 

On top of all of this we received a letter from the Dept of Taxation and finance on Saturday XX/XX/XXXX that part of our property tax has not been paid since XXXX and they put a 90 day lien on our house. This was supposed to be paid by Shellpoint. Also in XXXX, XXXX and XX/XX/XXXXthey did not pay our homeowners insurance causing us to pay it ourselves when they were going to cancel it. Then in 2016 the issue we thought was resolved with Shellpoint and they lapsed our insurance once again causing us to not be able to get homeowners insurance with XXXX again a company I have been with since XXXX. We then bundled our insurance with XXXX, and they did not pay that as well. The only insurance company that would insure us was XXXX XXXX PLEASE HELP US TO KEEP OUR CREDIT IN GOOD STANDING.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Our home mortgage was sold to Wells Fargo. We currently have a 65 % - 75 % equity position in our home. Under our original lender, we had voluntarily escrowed for taxes and insurance. The Impound Authorization indicated it was a voluntary escrow that was not required by the lender and indicated no time frame exception for discontinuing the escrow. We contacted Wells Fargo to stop the escrow account. They sent us back a letter stating that we were required to continue escrow for 24 months from our closing. We called Wells Fargo Home Mortgage to inquire about this " requirement '' since there was nothing in our loan documents to this end. After getting to a supervisor, we were told that the investor required that we escrow until 24 months of payments have been made without being late or any other issue. Once again, I asked where this was in our loan documents and referred them to look at the Impound Authorization that clearly showed the escrow was voluntary and not required. The supervisor said that due to the investor requirement that they would not be able to stop escrow. I requested a letter that stated this position. He said that he would " request '' a letter but could not promise anything. He also stated that he could request an exception. We aren't requesting an exception. We are requesting that our loan documents be followed.
Consumer complaint received 2018-06-21
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX a letter I sent to Capital One requesting validation of an account was signed for and received. Capital One did respond on time however, they failed to provide to me proper evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to them. In addition I have proof Capital One did not furnish the credit bureaus with the required disclosure, within the period required by law. Capital One is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. I  sent a follow up letter to Capital One notifying them that they had not complied with state and federal laws and it was signed for on XX/XX/XXXX. Capital One 's response was a letter to me asking me for more information such as an account number and full social security number thus proving that they can not validate the account they are reporting. Since Capital One has not been able to furnish orginal signed contracts with my name and has been in violation of state laws I am asking they remove the trade line from all 3 credit bureaus. I have attached copies of letters and receipts from Capital One.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

After the XXXX data breach, I put a freeze on our credit information at all three credit agencies. We are now buying a new home and successfully removed the freezes with XXXX and XXXX. ( The mortgage company will only underwrite the mortgage using a consolidated credit report including all 3 agencies. ) Despite many phone calls to Experian and website visits during XX/XX/2018 to the present ( XX/XX/2018 ), we so far have been unable to talk to a live person. 
In my visits to the website, after entering social security number, zip code and the numeric portion of our street address, the automated message said it needed yet more information and told me to mail several documents to a XXXX, TX address. 
One time when I was on Experians website I saw I could upload the additional information. I did this but received no confirmation that the information was received. 
The upshot is we are being held hostage by Experian to get the freeze on our Experian account lifted.
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Wrote a check from my personal checking account to XXXX XXXX XXXX for the amount of {$4300.00}. dollars to pay my credit card bill for the month. This was the full amount due. My bank statement at XXXX XXXX reflected that Capital One made a {$4200.00}. dollar processing error and only cashed and deposited the check for {$43.00}. dollars which was the minimum due. I called Capital One customer service in which I was told that they could not do anything about it. I had to call back and speak to the Capital One Check Resolution Department which I did. I asked that they send me a copy of the check as my XXXX XXXX XXXX could not provide a copy as it was electronically deposited by Capital One. I needed the copy to balance and resolve my bank statement. They gave me a fax number to which I was to provide the specific check details and they would fax or mail or email the copy of the check back to my attention within 2 business days. I sent this fax on XX/XX/2018 at XXXX XXXX. No reply. So on XX/XX/XXXX, at XXXX XXXX I re-faxed. As on today 's date still no reply. Subsequent phone calls to Capital One customer services reflects that they can not do anything about their non compliance to my faxes.
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (RI)

discover card : sent bill made the payments, discover card : months down the road prints wrong address on bill, still made automatic, payments discover card : raises interest rate bill payments goes up, all notification letters go to wrong address, automatic payments still continuing.

discover card : fees go wild unknown to me. they call after months.

discover card : corrects address suppose to clear up fees.

Discover card every month clears up fees if I call, five months go by and continuation of late fees go on.

Discover card now says nothing more they can do I have to pay them all the extra fees which added up five months worth.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Resolve Partners, LLC (FL)

On XX/XX/2018, I submitted an application to lease a house in XXXX XXXX FL. As part of the application, I agreed to a background and credit check. On XX/XX/2018 a credit/background check was conducted as part of the application. The inquiry into my credit history was a " hard '' inquiry vice a " soft '' one. This type of inquiry is not warranted for a just leasing a home. This type of inquiry is normally reserved when one requests credit in the form of a mortgage, credit card, loan. The information obtained, could have easily been done with a soft inquiry. The difference between XXXX and XXXX is now 22 points. Prior to the hard inquiry, they were the same. I called the company to ask why, and even after discussing the difference between hard and soft inquiries, they simply stated " we do hard inquiries '' They need to stop doing this, and immediately restore to my credit rating.
Consumer complaint received 2018-06-21
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: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I disputed the bankruptcy on my Experian credit report. On XX/XX/XXXX Experian responded online to that dispute with the statement, " The company that reported the information has certified to Experian that the information is accurate ''. There was no mention of who the company was that verified the information. On XX/XX/XXXX I submitted a " method of verification '' letter in response to Experian 's response so that I could find out what company certified the information. On XX/XX/XXXX Experian responded online to that dispute with the same statement, " The company that reported the information has certified to Experian that the information is accurate ''. Experian did not provide the company 's information that certified the information. Experian has shown to be acting in a dishonest manner regarding their investigation process and response. I've attached documentation to backup the above items and in that attachment I've also included two letter from that U.S. Bankruptcy Court that states they do not report ANY information to the credit bureaus or XXXX XXXX. Since the court does not provide the information then Experian has failed to investigate the information properly as the Fair Credit Act requires.
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (IL)

I received advertising material stating that on XX/XX/XXXX lawsuit is being filed by Cavalry SPV, I have not been served for this matter. On XX/XX/XXXX I received a letter from Cavalry/ XXXX XXXX XXXX XXXX firm about {$47.00}, XXXX owed. On XX/XX/XXXX i responded with a certified letter of denial and a request for validation. I never received a validation of debt from them. Now it looks liked I will be sued by Cavalry. I believe t Cavalry had a window of time to respond and did not. This aleged debt is from XX/XX/XXXX. I am adding that XX/XX/XXXX I received a letter from Cavalry Stating that I owe {$47000.00}, the letter was dated XX/XX/XXXX. Cavalry called me to collect this debt on XX/XX/XXXX ... that's before I received a letter from them. I asked for debt validation and it was never received. I did file a report about Calvary to the Il Attorney 's office.
Consumer complaint received 2018-06-21
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. (DC)

XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.
Consumer complaint received 2017-09-14
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: CITIBANK, N.A. (FL)

XXXX XXXX, XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX/XXXX XXXX : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

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.
Consumer complaint received 2018-06-21
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. (TX)

Equifax has repeatedly claimed that they have VERIFIED, that XXXX 's claim in collection as reported on my record, is mine. It is not. Then, they repeatedly claim that it is CERTIFIED correct by XXXX. 
Well, I, CERTIFY that they ( Equifax ) are not investigating the matter. They would have found that until the collection was placed on my record XX/XX/2017, I had never been notified of the claim. That date also falls 2 years and one month after the five charges, to one account, were made.

Furthermore, Equifax, is the only CRA showing five charges from the same original Hospital stay as individual accounts.

Equifax continues to report false and misleading information.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/XXXX/XXXX letting me know that the law firm was representing Capital One for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to XXXX XXXX XXXX requesting in writing a certification of the debt from the original grantor ( Capital One ). XXXX  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and XXXX # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and XXXX. I file a complain with TX XXXX XXXX XXXX, XXXX XXXX not give my information to any XXXX unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my XXXX because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
XXXX XXXX XXXX file number is XXXX
Consumer complaint received 2024-10-10
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. (VA)

This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active navment histor Ihis inaccurate intormation talsely maninulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my nights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/2017.
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

I have a loan with XXXXXXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXXXXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/2017.
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (CA)

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2018-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation (GA)

The loan had an insurance added to it that wasnt explained nor was I given an option to accept or decline. In the loan paperwork it shows if I had declined the insurance my payment would be {$300.00} less. Once I got home, I called and went back to the establishment but was told that I can drop the insurance but the contracted payment and loan amount would not change.