davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight XXXX. When I moved in there was never a walk-through. The new XXXX charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for XXXX XXXX. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the XXXX that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last XXXX years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done ( which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The XXXX that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a XXXX by the name of XXXX! Essentially shes the one that incorrectly charged me!
Consumer complaint received 2017-10-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Big Picture Loans, LLC (AZ)

I borrowed XXXX and Ive paid XXXX via ACH debit from my account. I called them to check the back since I had maybe XXXX or XXXX more payments and they told me the interest of XXXX or more. I have already paid this company their money and now I am receiving emails aboou a balance which is interest. I was not informed XXXX XXXX interest rate on the loan and not XXXX in interest. I was unable to view the truth in lending until after i agreed to the loan and I believe that this company is practicing bad business and unethical practices online.
Consumer complaint received 2015-08-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (GA)

Cavalry has continued to report and attempt to collect debt that is not mine. I have attempted several times to resolve this issue with Cavalry to no avail. They continue to send me collection letters for accounts ending in XXXX and XXXX. This is not my debt.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX -BALANCE {$0.00} Account Name : XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX -BALANCE {$0.00} Account Name XXXX XXXX # XXXX Opened XX/XX/XXXX -BALANCE {$2400.00} Account Name : XXXX XXXX # XXXX Date Opened XXXX {$430.00} Account Name : XXXX XXXX XXXX Date Opened XXXX {$0.00} Account Name : XXXX XXXX # XXXX Opened XXXX {$310.00} Account Name : XXXX  # XXXX Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX # XXXX Date XXXX XX/XX/XXXX -BALANCE {$1800.00} Account Name : XXXX XXXX # XXXX Opened XX/XX/XXXX -BALANCE {$1000.00} Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX -BALANCE {$990.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -BALANCE {$1200.00} Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX -BALANCE {$130.00} Account Name : XXXX XXXX  # XXXX Opened XX/XX/XXXX -BALANCE {$440.00}
Consumer complaint received 2017-10-24
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. (TX)

Several times I have communicated with XXXX XXXX, Experian and XXXX to notify a mortgage account that does not belong me. The account reported in my credit is XXXX XXXX XXXX XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence XXXX XXXX, Experian and XXXX do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IN)

Caliber Home Loans, Inc. ( " Caliber ' ) is the mortgage servicer on our home ; which is held by XXXX XXXX XXXX ( " XXXX '' ). XXXX acquired the mortgage from XXXX at a discount after XXXX came under investigations by the CFPB and other agencies for violations of consumer protection laws, and XXXX paid hundreds of millions of dollars in fines for its mortgage servicing issues. 

Since Caliber has become the servicer, Caliber has engaged in even more violations of law than XXXX. Some specific examples include CalibXXXX 's reporting to the XXXX credit bureaus inaccurate data nearly every month for the last XXXX years, and failing to correct Caliber 's errors. This is a violation of the Fair Credit Reporting Act ( " FCRA '' ). Despite having informed Caliber that we have an attorney in this matter ; Caliber still makes repeated calls to our home, and sends us letters, instead of communicating to our attorney. This is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) .. Every monthly statement that we have received from Caliber is wrong, incorrect, makes demands to things not in the mortgage agreement, etc. all of which violates the Truth in Lending Act ( " TILA '' ). Instead of responding to the modification of the mortgage in the time required under law, Caliber took XXXX MONTHS ; which violates RESPA and other laws. Caliber has not been able to provide the correct amount owed on the mortgage. 

Finally, all of the above violations of Federal laws, also are violations of Indiana laws. The amount of civil penalties from all of the above violations, plus legal fees, is greater than any amounts alleged to be owed..
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: General Motors Financial Company, Inc. (NH)

GM Financial has been reporting my auto loan is late. This loan has been pain off since XXXX 2017. I have attempted resolution with GM Financial and they assured me the issue would be addressed. As of this date nothing has been done. I have afforded them ample opportunity to fix this.
Consumer complaint received 2017-10-24
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. (TX)

While checking my Experian credit report, I noticed credit inquiries that I did not authorize made by the following companies listed below. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the FAIR CREDIT REPORTING ACT SECTION 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove these inquiries from my credit report immediately.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

This complaints is a continuation of the previous filed complaints on Ocwen for the same property address XXXX XXXX XXXX XXXX FL XXXX ( loan # XXXX ). The attached letter datedXX/XX/XXXX from Ocwen states the loan was charged off XX/XX/XXXX. If this is fact, why did n't we receive a satisfaction of mortgage. The other problem with Ocwen is that XXXX credit report showing # 4 ( see attached ) which indicates we were 120 days late on paying this mortgage ( not true ).
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, md ) had rented a music instrument to my son for which the full amount for a 1 year rental was paid. The instrument was returned at the end of the school year but the company claimed they did not receive the instrument and kept charging the rental every month. Communicated to them via email and phone but kept sending new invoices every month adding to the previous amount. 

They then reported to a debt collection agency and placed it on my credit file. I reported the complaint through XXXX and XXXX too.
Consumer complaint received 2017-10-24
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. (OK)

OnXX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on XXXX of the XXXX reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.
Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This complaint is against Portfolio Recovery Associates regarding an account. I paid an outstanding balance of {$890.00} on XXXX XXXX, XXXX at XXXX. I contacted XXXX XXXX 's court because I have a case there regarding this debt that was paid. XXXX XXXX, XXXX at XXXX and spoke with XXXX XXXX the courts building. She advised they have not received anything from XXXX XXXX showing that the balance has been paid. I have already gone to the court house with the copies of my receipts showing proof the balance has been paid. But that is not sufficient, they want documentation directly from Portfolio Recovery Associates stating the balance has been taken care of and that the case can be dismissed. I contacted Portfolio Recovery on XXXX XXXX, XXXX at XXXX at the number XXXX and I was told they were going to email a supervisor regarding this matter. Again I called Portfolio Recovery Associates at XXXX and requested to speak to a supervisor on XXXX XXXX at XXXX. The female representative would not transfer me to a supervisor that she was going to email her supervisor regarding this matter. XXXX XXXX, XXXX I called the courts and the court house advised that they do not have the documentation from Portfolio Recovery. On XXXX XXXX, XXXX, I emailed Portfolio Recovery to take care of this matter and have the court case dismissed at XXXX XXXX XXXX 's Court. Nothing got resolved and I did n't not get a response from XXXX XXXX. I called Portfolio Recovery XXXX XXXX, XXXX at XXXX, I spoke with XXXX XXXX and she had me transferred over to a supervisor. The supervisor advised that they were sending me a letter to my home address and on that letter I had to sign the paper work to have the case dismisssed. She said the letter had been mailed out on XXXX XXXX, XXXX, I still have not received the letter that I needed to sign. Today, XXXX XXXX, XXXX at XXXX I spoke with XXXX XXXX Portfolio Recovery and he told me he was going to email his supervisor.
Consumer complaint received 2017-10-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (KY)

On X/XX/2017, GE Capital Retail Bank, XXXX XXXX XXXX, XXXX NY XXXX, phone XXXX, frauded/scammed me during a loan process. I paid over XXXX in XXXX cards to them for fees, insurance, etc. At the end of the loan, they said for me to get the money, plus my fees back, I needed to pay over {$600.00} in taxes to IRS through them cause it was state to state loan, I refused, the loan was voided. They also sent me a check that bounced that caused my account to be frozen, costing me bank fees. The names of the officers from the bank, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I was XXXX of the people whose data " was probably at risk '' according to Equifax. I placed a freeze on my account just because of this. Now I get a letter dated XXXX XXXX, XXXX from Equifax stating that there are now charges for unfreezing and refreezing. This would not be necessary, if they had taken better care of my data. I do not believe I should be paying XXXX per instance when I want to use my credit.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I work for XXXX, a branch of XXXX XXXX XXXX. When purchasing our first home, we chose Wells Fargo because they were the preferred home mortgage lender with my company, and they had a Wells Fargo XXXX XXXX program that was explained to have more benefits as a XXXX employee. When we met with a XXXX XXXX at Wells Fargo back in early XXXX, he explained that we would be receiving a {$500.00} gift card if we decided to process our loan through their company since that was a benefit of the Wells Fargo at XXXX program. This and other factors, ultimately secured our choice with going through them and I even emailed our XXXX throughout the process to ensure he was adding that to our loan, which he confirmed ( documentation supplied ). We were told this would usually come XXXX weeks after closing. We closed on our house mid XXXX XXXX, and as of XXXX, still had not received anything. I reached out to our XXXX, who I was told is no longer employed by Wells Fargo, and then I reached out to them via their online contact us form for the branch we used. I was contacted by another representative, who confirmed that I should have received the {$500.00} gift card, and that possibly our initial consultant had forgotten to add it or had incorrectly entered it on the loan. I had to follow up with her myself every week or so for an update on the correction, at which point later on, she replied that her XXXX had confirmed that the code needed was not entered correctly by our XXXX, and that this was being sent to be fixed since they no longer had access to our loan at the local branch since it had closed already. They said it had to be corrected outside of their office, and I was continued to follow up, I was just informed a few weeks ago that it had to be escalated to Wells Fargo 's XXXX to be fixed and that someone would be in touch with me shortly. It 's been XXXX weeks now, and no one from XXXX or the local branch has reached out to us concerning the matter. It is extremely frustrating to have not only had this {$500.00} promised to us to help persuade us to use Wells Fargo in the beginning of our home mortgage shopping, and then our XXXX failed to enter it on the loan correctly, and now the company, having known of the issue since XXXX, still have yet to provide any type of update or resolution on the problem.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any  public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC (CA)

Hello, I recently logged onto XXXX XXXX to pay find any debt I may have. I have been on XXXX for a few months now and recently received an income, which is the reason Id like to pay off debts owed. I went XXXX XXXX last year XXXX XXXX. I had suffered in XXXX to my XXXX XXXX, XXXX, up to XXXX XXXX. I had taken the XXXX at XXXX in a clients XXXX. I was forced to work the rest of the day without being able to XXXX XXXX or get medical treatment until a couple of days later. After being XXXX for my right XXXX I had reported feeling XXXX. I went to XXXX XXXX where I was treated for a XXXX that XXXX XXXX said may have been XXXX during the fall and XXXX  clothing. I had mentioned this XXXX to my work place but they said it had no revelance to the XXXX. Till this day my case is still open and today I paid out of my pocket for something I feel that my work place should have provided treatment for as well. The original amount due was XXXX today I was told the amount was XXXX. I paid the amount off and asked if this could please be taken off my credit record. I was told it could not but would reflect as paid. If you could please look into this account with Arcadia I would greatly appriciate it. I find it unfair to have had to pay out of pocket for an XXXX that was due to XXXX on a clients XXXX at work and not getting medical attention or being allowed to go home to at least XXXX XXXX. Now Im being told this will stay on my record regardless if I pay it off and the amount increased. Thank you for your time and attention.
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

I agreed to a XXXX XXXX Payment Schedule dated XXXX XXXX, 2002 showing an interest rate of 3.46 % with a principal balance of {$41000.00}. A few years later XXXX XXXX started repeatedly contacting me via letters and phone calls claiming that I needed to consolidate my loans in order to " lock in '' my low interest rate. I was told if I did n't consolidate then my interest rate would increase. I agreed to consolidate on the terms that my interest rate would DECREASE to 2.875 % per their letter. I never received any paperwork from this consolidation. Nothing to sign or read. I have since learned that XXXX XXXX INCREASED my interest rate from 3.56 % to 5.375 %. I NEVER AGREED TO THIS! My loan terms were fraudulently changed. XXXX XXXX deceptively changed my interest rate at the time of consolidation. Their own letter says my rates will decrease, not increase. I contacted them via telephone and writing but they merely state the interest rates are set by the government and I agreed to this change at the time of consolidation. They told me to call XXXX if I suspected fraud was involved. I contacted that number to file a fraud claim but they said I ca n't and there is no way to file a fraud claim. Their own letter said that was the fraud department. Where and how do I file a fraud claim against XXXX XXXX?
Consumer complaint received 2017-10-23
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 (MD)

I received correspondence from Capital One dated XXXX XXXX, XXXX about all three of my accounts with them ending in XXXX, XXXX, and XXXX being severely delinquent and over limit status and I was instructed to destroy my cards and not use them. I have contacted Capital One for explanation of this matter as the allegations on all accounts were all false on XXXX XXXX, XXXX and I have had an excellent credit history with them prior to XXXX XXXX, XXXX. I even have recorded phone records to prove the account representative on the phone said my accounts were in good standing on XXXX XXXX and she does n't know why I received the letters.The letters sent me are attached. In a reply letter from Capital One XXXX XXXX XXXX, XXXX, they continue to dance around the issue and directly address the date of XXXX XXXX, XXXX and the status of my accounts on that date. They are committing fraud and have unethical business practices and no one within the company appears to be competent enough to address the XXXX XXXX, XXXX status of my accounts that were in good standing. They have failed to show me booking entries to prove on XXXX XXXX, XXXX these accounts were all severely delinquent and over the limit as they have accused me of. Their pointless computer generated responses are a waste of time as they have no name attached, are unsigned and they do n't answer the questions and are in violation of the law with silence in the matter. Not answering the question is silence of acquiescence. Their computer generated unsigned responses with no name on it is a protection mechanism in an attempt to hold no one accountable for their unethical business practices. Additionally, XXXX XXXX, XXXX Capital One has received an affidavit from myself stating the facts about the fraudulent acts and on this day my signature has been rescinded from the original application due to fraud.