davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (PA)

I have been unsuccessful in getting Caliber to rectify a problem they created which has now put my mortgage loan into default. This problem started in XXXX XXXX, and I have had to resort to filing a complaint with the PA Dept of Banking which prompted Caliber to finally admit an error was made but only corrected some of the issues. The negative spiral that has occurred is all due to Calibers initial mistake and their refusal to remove escrow from my account even though they provided the amount needed to zero escrow balance in order to remove escrow. I have attached my chronology and pertinent documentation, and the actions I want Caliber to complete to resolve this issue. Below is a brief overview of the problem.

1. I closed in XX/XX/XXXX and voluntarily elected to have my mortgage escrowed 2. My township did not send any tax bills for XXXX 3. In XXXX, my township sent tax bills for both XXXX ( {$5500.00} ) and XXXX ( {$7300.00} ) which Caliber paid totaling XXXX 4. The XX/XX/XXXX escrow statement inaccurately estimated my XXXX taxes to be XXXX when it should have been XXXX. Caliber had also refunded escrow surplus to me when the XXXX taxes were not billed. The new XXXX  monthly mortgage payment was mistakenly more than double going from XXXX to XXXX per month. 
5. Since XXXX I have tried everything to get this fixed and requested/demanded that escrow be removed from my mortgage. Initially I worked with XXXX XXXX from XXXX and when she was not able get the problem resolved, I advised her and Caliber several times through email, phone calls and certified letters that escrow should be removed and I would pay principal and interest only ( {$1400.00} ) starting XX/XX/XXXX. 
6. Caliber has cashed each timely P & I check but considered it partial payment and has reported late payments to the credit bureaus which caused my credit score to drop XXXX points! 
7. In response to my letter of complaint with PA Dept of Banking, Caliber finally admitted their mistake and on XX/XX/XXXX revised the escrow statement to reflect XXXX. They also said that I was XXXX in escrow arrears and to remove escrow, that amount had to be paid. 
8. I immediately sent the XXXX but escrow has not been removed, my monthly payments have not been properly allocated to P & I, late fees generate have not been reversed and the derogatory reporting to the credit bureaus has not been rescinded. 
9. On XX/XX/XXXX Caliber generated a letter that stated my loan was in default 10. My taxes are due to the township by XX/XX/XXXX. I will be making the tax payment to the township directly. Caliber should not be making any payments for taxes or insurance.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account : Acceptance now XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity theft report Proof of identity Copy of Credit Report Fair Credit reporting Act
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XX/XX/XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the XXXX XXXX XXXX XXXX. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all 3 Credit Bureau 's . They Did nothing as well. 

I hope this get this problem solved thank you
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

I have recently been laid OFF bcoz of the covid-19, so I was put on unemployment a month ago. Originally I tried to do direct deposit, so I called up unemployment and they told me It went on a card.. so I called up US BANK and waited for an hour and a half to talk to someone, they told me that unemployment had put my money on a card that was old and the card was expired, the representative told me they would send me out a new card and to destroy the old card, which I did.. they said it would take 5-7 business days, I said OK. So today is the 6th business day of waiting and still no card so I decided to call them back to check on the status of the card.. now I understand they are extremely busy, so I waited for 4hours on the phone to talk to someone and still no one and all I wanted to know was the status on where my new card is.. I tried so many times to talk to someone. I need that card to pay bills. The wait time was ridiculous. I have tried several times to call, waited over 4hours on XX/XX/2020 and still no response
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is not minds i hire three credit repair companies in the past but its still on there. 
XX/XX/XXXX hire credit repair companies XX/XX/XXXX hire credit repair companies XX/XX/XXXX hire credit repair companies
Consumer complaint received 2020-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

To Whom It May Concern : Please accept this letter and the accompanying documents as my registered complaint regarding the Mortgage FICO Score XXXX  calculation and scoring methods used by TransUnion XXXX XXXX XXXX XXXX and their detrimental impact on the consumer. 
A cursory review of the included information will establish the following facts ; A ) My TransUnion ( TU ) Mortgage FICO score on XX/XX/2020 was XXXX, my TU Mortgage FICO score on XX/XX/2020 was XXXX and my credit profile only improved between the two TU Mortgage scorings. 
B ) Our new refinance loan costs have increased substantially since my lowered TU Mortgage FICO score dropped us in a lower pricing tier. We are now paying a portion of a point and our Private Mortgage Insurance ( PMI ) rates are higher. 
C ) The reduction of my TU Mortgage FICO score runs counter to the TU & Fair Isaac ( FICO ) consumer facing published Credit Score guidelines. 
D ) I did file a TU Investigation Report on XX/XX/2020, of which a copy is included herein, however their online system states a decision will be made by XX/XX/2020 and the results mailed. I have tried numerous times to call the TU Customer Service line but I remain in an endless queue.

E ) The immediate TransUnion-recalculated FICO Score financial impact to our family totals {$3400.00} in additional points and PMI premium not to mention the longer term impact of this issue over the 30 year life of our loan. 

Furthermore, if I would have somehow caused a negative credit event or should TU just determine that my overall credit profile had worsened, then one would assume that my TU FICO Score versions would all have dropped. Right? I mean, when one compares my XX/XX/XXXX TU FICO Scores to the XX/XX/XXXX TU FICO Scores, TU is implying to certain potential creditors/TU Score vendors that I am just as good a credit risk on XX/XX/2020 as I am on XX/XX/2020. 

Adding insult to injury, if I theoretically visited 2 auto dealers on XX/XX/2020, I could get a competitive auto loan rate if the dealer uses the TU FICO Auto Score XXXX  but I would receive a punitive auto loan rate at the second dealer assuming they used TU FICO Auto Score XXXX. In this example, I suppose I should have gone auto shopping on XX/XX/XXXX when both TU FICO Score versions were better representative of my Credit Profile.
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

My complaint is Shellpoint Mortgage Servicing Co. I have been in the process of selling my house for the last XXXX and needed to get a updated payoff due to my previous mortgage company had been sold. After contacting my new lender and making three attempts to get a payoff I was told it was either sent via email or mailed - yet as of today XX/XX/XXXX i still have not received it and I feel like i have been unfairly mistreated. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2020 ) I contacted their customer service line spoke with representative and was told i could not receive a verbal payoff and that it can only be given by email, faxed or mail. I explained on several occasions the urgency, that i have a buyer, my offer was accepted and we're just waiting for the final payoff to close the deal and trying to avoid any additional fees, accrued interest and charges. On my last attempt i asked the representative to include a complaint to help speed up the process yet i still have not received the payoff nor a call back. 
As of today my buyer has backed out of the deal and now my house is back on the market. I don't know the reason why this process has taken so long nor the reason this is important to my lender as it is to me. I am trying to avoid any unnecessary steps such as foreclosure or short sale that may leave to me losing my home. I am asking for an investigation of this matter because i believe i was unfairly treated and that this company may be delaying this steps for myself or others to build up fees or other charges. Thank you.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IN)

XXXX XXXX Balance : {$960.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$570.00} The following accounts has late reporting that were caused by inaccurate billing. I was never late with these accounts as I am a good paying customer.
Consumer complaint received 2020-04-17
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. (MD)

Trans Union refuses to delete a cancelled debt after I had sent in several times to their company the letter from IRS that states the account has been cancelled. The beginning of the month I sent all documents and called on XX/XX/XXXX to dispute the status of an old account. This account has been in dispute more times then I can count. The company sent a contract from XX/XX/XXXX to the credit bureau and they refuse to accept the document I provided from the IRS or re investigate. I Have called everyday this week and they refuse to give a name and keep telling me there is nothing they can do call the company. and I have been on the phone since XXXX XXXX  today and they still have me on hold after telling me they could not understand me or what I was calling for. it is now XXXX XXXX  and they refuse to pick the phone back up as I am patiently waiting to see how long they keep me on hold for. Yesterday I called at XXXX XXXX  XX/XX/XXXX and they were rude and again same thing. Refused to hear me out and kept insulting me and interrupting me. I asked for another agent to clear up our confusion of miscommunication and was hung up on.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (FL)

I opened a business account on XX/XX/2020, I did this because I had a personal account with them. I made a total of 9 deposits the same day, 1 ) {$100.00} cash, 2 ) 8 checks totaling approx {$850000.00}. I sent online banking with no problems, XXXX at the XXXX XXXX XXXX in XXXX, FL called me Monday and stated they need a few more documents. Tuesday XX/XX/2020, I went to the Branch to give XXXX the requested documents. On Wednesday XX/XX/2020 I was unable to log into my online account. I Called and spoke to XXXX, she stated the bank decided to terminate the banking relationship on my personal and business account. I asked why and got an " I don't know ''. I asked about the 9 deposits and when I can come in and get a bank check. She stated she would call me. Well I waited a couple of days, then decided to drive there and speak to her. She stated that the bank sent the checks back to the maker. I was dumbfounded!!! WHY??, I asked, she said she doesn't know. This was  XX/XX/2020. I tried to call customer service the same day, was on hold for ever, finally got a representative on the phone explained the situation and they refused to speak to me. On XX/XX/2020, I called the maker, they stated that they never received anything from TD Bank, in fact the checks cleared their account XX/XX/2020. On XX/XX/2020 I went to the branch, only to be told I had to make an appointment and it had to be made online. On XX/XX/2020, I submitted the request, received an email confirmation, stating a representative would be contacting me to set up a day. Today is XX/XX/2020 and I have yet received that phone call to set up the appt.. Because of this I decided to file this complaint along with a XXXX  complaint. What TD Bank doesn't realize, is that our banking relationship is not completely terminated, not until I get my money back. This is sickening with what they do to any consumer, it's especially disturbing with the Covid-19 destroying businesses and TD Bank is right there with Covid-19.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following account with XXXX XXXX : XXXX is a fraudulent and unauthorized account. I did not apply for the account. The account was opened up fraudulently. The account is not my account.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The credit reporting agencies XXXX, Equifax XXXX XXXX and XXXX XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (TN)

During the Equifax data breach of XXXX, that became public knowledge in XXXX. I submitted a claim to have either a claim check for {$120.00} sent to me, or a year of free credit monitoring. Naturally, i opted for the {$120.00} check, however i never recieved that check, nor did they monitor my credit. 
Attached below is my claim documents, including date submitted. 
Im asking for 3 things : 1. A check for {$120.00} sent to my current address Recently, i have been trying to purchase a vehicle, however i cant get financing because inaccurate information-which if Equifax was doing their job could have prevented-on credit report, every lending agency has turned me down. Therefore ... 

2. I want these items removed from report immediately : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  ( I, along with my mother who was the co-signer, called XXXX XXXX  several times to try to set up payment arraignments. Each and every customer service representative was extremely rude and unprofessional and stated that no payment arraignments would be made and they wanted the remaining balance of loan to be paid IN FULL or they were going to reposses the vehicle. As a last ditch effort and a show of good faith, my mother and i sent checks to pay on loan. The checks were immediately sent back. Both my mother and i made every attempt to bring that car loan back in good standing, and was rejected everytime. ) 3. In lieu of {$120.00} check, i will accept as a satisfactory resolution, the deletion of those 2 items from credit report.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2016 a locksmith service provided services to replace a broken automobile key. I was handed a BLANK INVOICE with {$280.00} written at the bottom. I was asked to write my contact information at the top. The price was significantly higher than I expected but agreed to the {$280.00}. My credit card was processed and the work was completed. When I received my credit card bill the amount charged was {$780.00}. 

When questioning the charge I was sent a copy of the invoice with multiple line items written in AFTER THE FACT which totaled up to {$780.00}, although the total at the bottom still ready {$280.00}. 

On personal investigation of the locksmith company I have found this is an illegal scam operation with an endless list of consumer complaints of fraudulent charges and over charges. XXXX XXXX acts as a biller, broker, and licensed FRONT for UNLICENSED independent locksmiths. They have had their locksmith license revoked several times. The just move to a new address and open a new company and resume their fraudulent operations. 

Disputing the charge with Bank of America, B of A has repeatedly ignored the facts I have presented, including a complaint I filed with the California Department of Consumer Affairs , Bureau of Security & Investigative Services who found irregularities warranting a higher level of investigation for XXXX XXXX. You may contact them at ( XXXX ) XXXX and reference complaint # XXXX. B of A 's response as simply been that I was billed correctly because the line items added up to the total I was charged. 

B of A has failed their duty to protect consumers from fraudulent merchants. As a result I refused to pay the entire charge of {$780.00}.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I use Experian to monitor my credit. They have bc a score simulator which I have been following for months. Each time to take action I see my score change. I address the issues and fix and see my score increase. 

There is NO new debt or reason that my score fell 14 points from last week until now? Experian has NO explanation yet they continue charging me for a membership. I need to know why my credit fell 14 points when I have only been doing everything they told me to do to improve my credit. 

I have been on the phone with them for 2 hours, transferred 4 times and was disconnected 2 times by them. I have worked hard to improve my credit. Why when only cc debt has been paid to a zero balance does my score fall 14 points without explanation? Why are they doing Bbb this during a pandemic by the way, even more when I set my priorities on paying down debt during this pandemic am I seeing negative reflection on my score? I am Taking screenshots and this no explanation for lowering my score is causing harm to me and my family. Please address this.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

Applied for a Wells Fargo Business Credit Card. Since the Card processing representative was not able to speak or understand my English, and their behavior over phone was not acceptable, I asked to close the application. 

They have send a letter stating " application is denied due to Amount of credit requested combined with existing debt is too high related to stated household income ) ''. 

Bank and its employees can not punish me for their inability to talk to a customer.