davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

Hello Caliber home loan managers, I am writing to request your assistance in escalating, appealing, and review of a shortsale application that is before XXXX XXXX, representative, on the Res.Net. portal.
I have been working over six months to get to a point where there can be an amicable resolution, but I frankly believe that the offers and the willingness to resolve the matter are being acted upon in good faith.
The borrower is deceased and the executor to the property, XXXX XXXX, is attempting to complete the shortsale. The mortgage is in foreclosure at this time with motions and cross-motions pending before the court.
The original mortgage was about $ 305k,  however, with the arrears, the total payoff is now $ XXXX. I have submitted a top offer of $ XXXX to the rep. who declined that offer today and demanded the XXXX payoff. That is NOT how shortsales work. The shortsale buyer is not an investor, but an end buyer who will reside in the property. Prior getting to this point, XXXX XXXX, not knowing what the payoff amount was and having no idea of the location of where the property was situated demanded $ XXXX after a BPO was done. I disputed that value and submitted repair comps. The investor then approved a demand for $ XXXX.
However, when I pointed out to XXXX that this demand is higher than the payoff, he then followed up with a request for the total payoff amount. I explained that the buyer is making an offer of over 70 % of the arrears and is an end buyer who can not qualify for more funding. The buyer is the Executor who wants to keep the property within the family so that she, her brother 's kids, and sister can live there.
At this point, I am frustrated with the responses and the process that I believe to be deceptive. XXXX has been very closed off in providing information and generally not explaining why the counter demands remain unreasonably high.
I urge you to step in and assist me in this process as soon as possible. Specifically, I would like XXXX XXXX XXXX to be taken off the review of the file. Another party needs to and should be assigned.
Thank you.
NOTE : The Executor, XXXX XXXX, is an retired veteran, served in the XXXX XXXX She currently is employed as a correction officer.
-- -- -- -- -- -- - RES.NET INFORMATION FOR SHORTSALE Master Client : Caliber Home Loans Client : Caliber Home Loans Subject Property : XXXX XXXX XXXX, XXXX, NY XXXX Property ID : XXXX  Due Date Assigned Date Task XX/XX/XXXX XX/XX/XXXX Submit Short Sale Request* *This task requests a document required for sale to be completed and you must log in to complete this task.
XX/XX/XXXX XX/XX/XXXX MLS XX/XX/XXXX XX/XX/XXXX Property Assessment Task XX/XX/XXXXXX/XX/XXXX Homeowner Financials* *This task requests a document required for sale to be completed and you must log in to complete this task.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America refuses to acknowledge validity of claims filed during the past several weeks. They have, in fact, taken money from the checking account, claiming the claim was reversed. However, all merchants that we have been in communication with were willing and confirmed that I should have received funds for these claims. 

For reference, I will provide you with the claim numbers, given by BoA : - XXXX - XXXX
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (PA)

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXXXXXX XXXX XXXX account XXXX  # XXXX 15 U.S.C1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this invacuate this is causing me not to get a place to live apply for credit cards a new truck to work.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (OK)

XXXX Credit Report Check your credit report for signs of theft, fraud, or error. 
FREEDOM MORTGAGE 30 Days Late Real Estate {$17000.00} Status XXXX XXXXXX/XX/XXXX Days Late {$200.00} This company has been committing fraud against me. It began with a disagreement about charging {$15.00} when my bank was bought out by another and the auto payment did not go through. 

There are several twists and turns in the story, but XXXX account manager said they were holding a check I sent ... which was to quickly bring the account to date... it did not contain the {$15.00}. They did not cash it ... all the while struggling to get the autopay restored ( spent an hour with someone and unsuccessful ) .... so much nonsense... real malice on the part of an individual who deserves to be fired and sued for what he/she did.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX made a credit inquire on my report on XXXX and XXXX XXXX made an inquiry on my account on XX/XX/year>. I would like these inquires removed from my credit report as they were not made by me. In addition, I have disputed a paid XXXX  account with Experian and XXXX account that isn't mine however they are still reporting. I paid the accounts to actively clean up my credit report however there has been no benefit to me doing so.
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Dispute Department Case Number : XXXX On XXXX, I prepaid XXXX XXXX ( " XXXX  '' ) for excess baggage fees for my flights from XXXX  for XXXX. Arriving at XXXX, I was told by XXXX that my payment to XXXX  was not on their system and I would have to double pay my baggage fees and ask XXXX  for reimbursement since XXXX  did not notify XXXX of the payment. After arriving in XXXX, I notified XXXX  who never responded outside of acknowledging my message. I contacted my cc company, Capital One ( " C1 '' ) to file a dispute and gave them the related info to my complaint. C1 placed a temp hold on my account ( {$850.00} ) and communicated with XXXX. On XXXX, I received a letter from C1 reapplying the {$850.00} and sought more info regarding the dispute as they considered the case closed. I sent C1 more info but was perplexed as to why C1 was so dismissive and harsh with their latest reply. Being a good standing customer for a number of years, I never expected this unprofessional and callous response from C1. I considered C1 as the only leverage I had in getting XXXX  to acknowledge the double payment. Now that that leverage has been erased, I have to pay the extra {$850.00} to XXXX  although I believe C1 and XXXX  did not due enough due diligence in what I would consider a smooth reconcilable case.
Consumer complaint received 2023-05-14
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. (PA)

In with the fair credit reporting act. The list of accounts below has validated my federally protected customer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Account : XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It Also states a customer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse. Item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a customer to any custom reporting agency if the person knows or has responsible calls to believe that the information is Inaccurate.
Consumer complaint received 2023-05-14
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. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (PA)

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following inquiries listed below removed from my credit report as they as fraudulent and I do not know who opened them. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX  Credit Cards XX/XX/XXXX XXXX
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I am working with an account manager, XXXX XXXX, with Fay servicing, and I have been unable to get the proper information about my modification request. The first time I applied, I was told the time had lapsed and I needed to reapply. The next time, I was told I was denied, but this was a verbal conversation, I asked XXXX XXXX if I was going to receive a letter, I was told yes. I never received any communication about the denial in writing until XX/XX/XXXX, which was approximately three weeks since that verbal conversation with XXXX XXXX. I also informed XXXX XXXX that my status had change in terms of income, and he told me they could add it later, nonetheless I was denied without requesting that I provide the additional income. However, I was sent another letter informing me to reapply for the third time for a loan mitigation assistance, which was dated XX/XX/XXXX, but postmarkedXX/XX/XXXX and I received it on XX/XX/XXXX. Attached are copies of the letters, thus the representative is extremely impotent towards me.
For that reason, I decided to work with a Hud counselor, XXXX XXXX, at Incharge Debt Solutions. On XX/XX/XXXX at XXXX, she contacted the lender on my behalf to get a clearer understanding about my loan. I was also on the call. The representative was again rude. XXXX XXXX had to tell XXXX XXXX that he was getting emotional about the questions. XXXX XXXX questioned why I was not told about the appeals process, and XXXX XXXX stated that he had never heard of the appeals process being successful. XXXX XXXX continued to interrupt him and correct him. I do not believe Fay Servicing is handling my loan appropriately. I am continuously told to reapply, and I am never receiving any written communication informing me of the status or my options except for the letter dated on XX/XX/XXXX that I received on the XX/XX/XXXX, which emphasized that we are eligible for a Fay Servicing Short Sale.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (TX)

I got a copy of my credit report some time ago and realized the credit bureuas are reporting 2 accounts as late that was never late. These late payments are causing me severe financial and mental stress as I have not been able to get approved for a mortgage now. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681 : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this you must delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

In XX/XX/XXXX my husband and I placed all of our credit card debt with a settlement company, XXXX XXXX XXXX. They settled our credit cards one by one for lesser amounts, and we thought we were getting back on track. In XX/XX/XXXX, XXXX XXXX sued me for the amount owed, which was {$1500.00}. Without my presence in court, the Magistrate ruled against me and filed a judgment for the amount of the debt. I contacted XXXX XXXX, and they told me not to worry, they would take care of it. In XX/XX/XXXX, I received a e-mail from XXXX XXXX stating that XXXX XXXX offered to settle with them for {$1000.00}. I accepted the offer and told them use funds in my account to settle. I assumed that it was taken care of, until I received a letter on XX/XX/XXXX from a collection agency, XXXX, XXXX XXXX XXXX XXXX., XXXX saying that the account had been placed with them for collection.
Consumer complaint received 2023-05-14
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by Nissan Motor Acceptance Corporation/Infiniti Financial Services XXXX NMAC/IFS ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had w

ith NMAC/IFS. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that NMAC/IFS reported negatively against my credit report, which, given my payment history, I believe to be erroneous. To further complicate matters, NMAC/IFS delayed in closing my lease account by a month, even after I had settled the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by NMAC/IFS has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history.

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2023-05-14
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: WELLS FARGO & COMPANY (PA)

Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX  XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.
Consumer complaint received 2023-08-06
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. (WA)

In accordance with the fair credit reporting act XXXX name and account number ; XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!