davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

I 'm currently in chapter XXXX bankruptcy. My mortgage was serviced by XXXX  Transferred to Caliber Home loans.On XX/XX/XXXX I received a notice from XXXX that I missed 16 mortgage payments for my first mortgage.I called and spoke with a customer service and he explained to me my payments for the first mortgage we 're incorrectly applied to the second and they would transfer the payments back to the first and all would be current. Three years later at the end of my Bankruptcy Caliber home loans my new servicer answered the final cure payment stating that I 'm not current on my mortgage and I 'm {$16000.00} behind on payments. I called explained to Caliber on two occasions and in a email for payment history from XX/XX/XXXX until XX/XX/XXXX and was told they could n't provide that for me.I also emailed them which they answered and once again in a email stated they could n't provide info for me to call them.I proceeded to call them and they stated for me to ask my trustee for any info owed I explained in detail that 's not what I 'm requesting I need the info for the Second mortgage and they refused.My lawyer also asked their lawyer and they stated they could n't get me the info requested.This is why I 'm looking for information by submitting this form.
Consumer complaint received 2017-12-06
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. (AZ)

I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX p XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Demand for Removal of Inaccurate Collection Accounts Dear Experian, This letter serves as my formal dispute and final demand for the immediate removal of two erroneous collection accounts reported by XXXXXXXX XXXXXXXX, which are damaging my credit report and financial well-being : 1. XXXXXXXX XXXXXXXX - Account Number : XXXX ( Balance : {$4600.00}, Opened : XX/XX/XXXX ) 2. XXXXXXXX XXXXXXXX - Account Number : XXXX ( Balance : {$1000.00}, Opened : XX/XX/XXXX ) Although these debts may be technically valid, the reporting of these accounts is not in compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws governing consumer protection and debt collection. 

Violations and Legal Grounds for Immediate Deletion : FCRA 611 ( 15 U.S.C. 1681i ) : As a credit reporting agency, Experian has a legal obligation to conduct a reasonable investigation when a consumer disputes any entry. Despite my prior disputes, you have failed to investigate properly, as evidenced by the continued presence of these harmful entries. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers of information are required to report accurate and complete information. It is now clear that XXXXXXXX XXXXXXXX has not verified the accuracy of these accounts per your obligations under the law. 
Fair Debt Collection Practices Act ( FDCPA ) 807 ( 15 U.S.C. 1692e ) : Reporting these accounts without ensuring their legitimacy constitutes misleading and deceptive practices, as no further validation was provided after my dispute requests. 

Because you have failed to verify these accounts properly, you must delete them immediately from my credit report to avoid further violations of the FCRA and FDCPA. Continued reporting of inaccurate, unverified, or harmful information after a dispute constitutes willful noncompliance under FCRA 616 and 617, which entitles me to seek damages through legal action. 

Action Required : 1. Remove these XXXX XXXX entries from my credit report immediately. 
2. Provide me with written confirmation of their removal within 15 days of receiving this letter. 

If these accounts are not removed, I will escalate this matter by filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney Generals Office in my state Civil action for damages under FCRA 616 and 617 This is my final warning. Any further delays or failure to comply will leave me with no choice but to pursue all legal remedies available to me. I expect prompt action and confirmation of the deletion within 15 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CT)

I get the nastiest people on the phone trying to figure out what is going on with this loan. There are 3 different websites that these loans are attached too. XXXX website, XXXX, and Navient and they all say different numbers. All my schools was attached to the class action lawsuit, I put a school misconduct application in at Navient but they are saying it take 60 days to complete. MY Credit is shot cause of these schools nobody is trying to help me
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (FL)

Upon learning of this alleged debt on my credit report, I sent in a validation letter on XX/XX/XXXX and was sent back a copy of a lease dated XX/XX/XXXX-XX/XX/XXXX and typed up charges from XXXX. This alleged debt states the debtor moved out in XXXX and I wasn't living at this property then. I sent in a second attempt of debt validation on XX/XX/XXXX and asked for further validation that this alleged debt belongs to me, including proof this company's license to collect on debts is expired. I was sent back the same letter I sent in on0XX/XX/XXXX with writing on my requests stating they are only sending me what is required by law concerning the creditor/debt collector declaration. They hand wrote on the letter and  stated " original lease sent, renewals do happen" but have failed to provide the alleged renewal. When I highlighted the contradicting dates on the lease it was hand written " So what? you singed a renewal of stayed, you still abide by lease" but once again not providing a copy of this alleged renewal. I also asked for validation they bought this alleged debt, etc but they refuse to provide me with any valid documentation.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

Paypal charged me almost 5 % for a domestic transfer in the US. I sold an item to a buyer in Florida and they are telling me that its being considered an international sale because of his account type. 

However, XXXX XXXX XXXX this link provided does not mention anywhere about account type. It only mentions that if the sale occurs within the US, which it did. 

Unfortunately, this is my third complaint this year against paypal. They have been misleading customers like myself with hidden charges. Im hoping the CFPB will step in to protect other consumers from their tactics. 

My other complaint which was closed was that they kept making unauthorized transactions towards my bank account. They falsely claimed to the CFPB that I was given monetary compensation before I submitted my complaint. This is not true. They compensated me only after writing a complaint.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I switched to Capital One about 5 months ago to use their high yield savings account and travel credit card. All of my money is hard earned from my job. I use XXXX to send money between me and friends as normal, but I have never done anything fraudulent. Capital One decided to freeze my account on XX/XX/year>, and end my relationship with them permanently, but they will not tell me why. I offered to show proof of anything they may need, they said they do not care, and the decision has already been made. My money is still frozen, both checking AND savings ( which is about {$25000.00} total ) and they will not tell me when I will be able to receive a check with my money. Mind you, all of my money to my name is in the account, meaning I can not buy groceries, gas, or pay my bills with my money. Capital One has provided me with no explanation besides my account shows " risky activity '' but won't explain what it is or let me explain anything. So ridiculous, I need help to get ALL of my money unfrozen and back in my hands ASAP. I am a hard worker in the construction industry, and I worked very hard to save up my money. I have no late payments and have done nothing wrong.
Consumer complaint received 2024-10-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC (TN)

I started the loan application with Rocket Mortgage, while doing this the loan consultant made me aware that everything looked good which led to us proceeding with everything getting all necessary follow on taskings like, house appraisal, termite inspection, ac inspection, fireplace inspection and so on. Getting close to closing on the loan I get a call from the loan coordinator advising me that he couldnt make the loan work because the numbers were off, to find out that the paperwork was done incorrectly by the loan agent. The communication was good all the way through until the agent realized he couldnt help me, leading to no communication via phone and email creating doubt for me as the homeowner in regards to this whole process. I am a 100 % XXXX veteran and would like to make sure this doesnt happen to someone else in a tighter situation than mine taking on a {$1600.00} dollar expense that is now a loss for me because the mortgage company cant do anything for me other than a call from the director of finances to tell me he is sorry.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

LVNV funding is on my credit report twice for a total of {$1800.00} this debt is from identity theft, my identity has been stolen 3 times in the last 3 years.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of CA. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Consumer complaint received 2024-09-30
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: CITIBANK, N.A. (CA)

Citibank turned me over to collections for. credit card debt they could not validate. I sent a letter stating that I would pay any debt they can validate that I am responsible for by providing me with an invoice ( not statements ), a contract with wet ink signatures from both parties, full disclosure, and an assignment contract. I have not received anything but statements and now a letter stating they intend to sue me in court. They need to provide an assignment contract and validate this debt with a contract with wet ink signatures from both parties to legally validate my debt.
Consumer complaint received 2017-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery are trying to collect a debt from me but it is not mine. I never owed anything to XXXX XXXX. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

I had XXXX in my citi account someone used my card fraudulently for a XXXX XXXX  stay totaling to XXXX dollars. I made citi aware of the situation and the card was blocked with a new one sent to me after activating the card I noticed online access to my account was also blocked which should never have been the case. The money was deposited via cash at an atm citi is currently holding my funds and are refusing to grant me access to my account. They keep trying to send me a code but I have a new number and my old number doesn't currently work at the moment and new number for some reason can't receive the code this is a nightmare
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

We have been trying to pay the overdue balance for the last XXXX months on our mortgage account, but SPS refuses to give us any ways that we are able to send the money. The last claim we submitted telling them that we have the money and are able to make the payments on their proposed XXXX XXXX repayment plan, but they just copied and pasted the same letter and sent it to us twice without answering our questions and closed the claim. They are refusing to communicate with us to set up the balance pay off and are illegally trying to force us into foreclosure.
Consumer complaint received 2017-12-06
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. (IL)

For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And TransUnion has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by XXXX points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with TransUnion and XXXX enough is a enough.
Consumer complaint received 2017-12-06
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. (TX)

The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. 

XXXX XXXX requested your credit report on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card was opened onXX/XX/XXXX XXXX Credit Card was opened on XX/XX/XXXX 
XXXX XXXXT Credit Card was opened on XX/XX/XXXX XXXX Inquiry - XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (KS)

On XXXX my wife received a phone call on her cell phone. The caller ID showed up as JP Morgan Chase Bank from # XXXX. She did not answer and the call ended and was immediately repeated. She again did not answer felling this was a solicitation of some sort. She disconnected the call. The phone rang a third time and I had her answer. The person on the other end asked to speak with me. I took the phone and the person asked if I was XXXX XXXX. The person calling stated he was from JP Morgan Chase and that someone using my name and my social security number was trying to get a chase credit card in XXXX TX. This caller had a very distinct accent which sounded like he was from XXXX. He told me his name was XXXX XXXX. I confirmed his questions that I did not authorize any application and that my name was XXXX XXXX and my ss # started with XXXX and ended with XXXX. He stated he was opening a fraud case and gave me a complaint # XXXX XXXX. He said he would transfer me to the CFPB to handle the matter. He also said he would stop the application for the credit card to JP Morgan Chase. 

He then stated he was going to transfer me to another agency that would handle this matter. I was then transferred to a woman whose name I did not write down but she stated she was with CFPB and was going to handle this matter. She also asked me to supply to her the complaint number that the Chase rep had provided to me, as stated XXXX. 

At that time I was very suspicious of this call and decided while talking to this lady from XXXX who also had a very distinct accent which sounded like she was from XXXX also. I was a XXXX XXXX XXXXXXXX for 36 years in the state of Kansas and I felt that this could very well be a scam. 

While the lady from XXXX was talking to me I dialed the phone number that showed on my wifes phone for JP Morgan Chase Bank. The call went through and the lady from XXXX could hear the banks recoded message giving me instructions to follow to connect with someone from Chase. 

When the lady from XXXX heard this, she asked if I was calling the bank and I stated I was so that I could confirm this information. The lady from XXXX then stated that since I was calling the bank she was cancelling the complaint and she then very abruptly cancelled the call. 

I am forwarding this information to XXXX to ascertain if this matter was actually legitimate or if this was a scam. I was surprised the lady from XXXX just ended the call so suddenly when she heard I was calling the bank and that I felt all this could be a scam. I would think an actual rep from XXXX would further explain and assure any caller that this was a legitimate matter. 

I would appreciate your agency looking into this matter and please find out if this was a real matter form my attention or a scam and inform me of such
Consumer complaint received 2024-09-29
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP (WA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with the access and privilege to my identity, STOLE my identity credentials from my unemployment profile and with the assistance of dishonest US Bank employees created a fraudulent prepaid government assistance US Bank debit card account and backdated it to XXXX 
At that time I lived in XXXX XXXX, and never had a card for unemployment benefits from US Bank. I only had a XXXX XXXX US Bank card that I never used as well. I NEVER applied for unemployment assistance in XXXX XXXX  ; hence there should exist no such card for it was not ever solicited or initiated by me. XXXX XXXX never deposited any money on this newly made backdated fraudulent account. 
Both of these authorities have abused me and my identity profile through XXXX XXXX XXXX data base, and canceled my legitimate prepaid card ( in my possession still from US Bank from XXXX XXXXXXXX ). Then they tried to force me to use the XXXX from XXXX XXXX that was NEVER IN MY POSSESSION, nor solicited by me. I have a canceled card now that should have never been tampered with by any employee. I have had only XXXX for XXXX anywhere. No one is fessing up to the fraud made by US Bank using the XXXX XXXX XXXX XXXX presumably by the only unemployment office with a profile for me. The only one I have ever initiated contact with here, in my home state, XXXX 
I have never applied for unemployment in XXXX XXXX and was never issued such a card in XXXX. I keep records of everything. I had not even worked enough in XXXX to claim those kind of benefits or sign up for the US Bank prepaid card. On top of that XXXX XXXX  ended their card services with ( US BANK ) in XXXX Since I was unable to make such a claim for such benefits, and I can truthfully attest I never had a card for Unemployment in South Dakota issued to me EVER. 
The audaciousness of the dishonest banker who tried to direct deposit my funds from XXXX XXXX into an account I did not possess a card for from XXXX XXXX, after I just reported the fraud to her, is unbelievable. I reported fraud and she still tried to force me to use the US Bank card from XXXX XXXX not in my possession. What the XXXX is going on? These XXXX institutions ( employees of ) both canceled my legitimate US Bank card I did have rightful possession of, and tried to force me to use the fraudulent account. Then they both played pass the buck games by saying they need identity verification, for a month, and then ultimately REFUSED to resolve the issue, forcing me to accept checks because of my reluctance to create an online account for XXXX XXXX I have been unjustly punished by both US Bank and the identity thieves hired by both establishments.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (IN)

I bank with Truist bank and on XX/XX/XXXX my wallet was stolen in XXXX XXXX XXXX why I was on vacation. it was XXXX once i realized my wallet had been stolen and i called the bank immediately to cancel all my cards. i also have a police report with the XXXX XXXX XXXX sherif department logging my stolen wallet. I called the bank Mutiple times that weekend to inform them of what had happened and provided them with the police report. they people had taken out two transactions that i disputed one in the amount of XXXX and XXXX the business name it was under was XXXX XXXX XXXX XXXX XXXX FL and when i XXXX this business it is not a legit company. i provided all this information to the bank and they still denied me my dispute saying it was an authorized transaction and they refuse to give me any documentation supporting their claim.