davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a home loan on XX/XX/XXXX with a principal balance of {$310000.00} with XXXX XXXX XXXX dba XXXX. The previous servicer of the loan was XXXX XXXX. Caliber Home Loans claims to have became the servicer of the loan owned by XXXX in XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX, while an Appeal from a previous BK is pending for oral hearing on XX/XX/XXXX and Caliber has yet to appear before the Court. 

Caliber sent me the attached XXXX and you can clearly see the post-petition payments during XXXX were made and they have ignored this. The federal employer identification number ( EIN ) reflected on the XXXX Form XXXX does not correspond to Caliber, but rather to their 401k Employee 's Account and this needs immediate clarification. 

Caliber has failed to post all payments made since XX/XX/XXXX, my credit has been negatively impacted, and the loan balance has been increased by {$50000.00} due to unlawful fees and costs charged with no Court Approval or Order to do so. 

XXXX XXXX si the owner of the note and has not notified me that the loan was attempted to be sold. The loan went through a XXXX loan modification and is thus a non-negotiable instrument pursuant to the UCC 3. XXXX XXXX can not legally sell the Note. 

The Assignment of Mortgage and Note endorsements are fraudulent, therefore I request a full audit of the loan. The attached subpoena has been sent to all the parties involved. Caliber has failed to properly report my payment history and information to the Credit Reporting Agencies ( CRAs ) regarding the loan since becoming the loans servicer on  XX/XX/XXXX. 

According to Caliber the loans uncollected fee balance is {$3000.00} as of the date of this letter? We continue to contact their Single Point of Contact ( SPOC ) Department at XXXX and have not received any adequate reply to our concerns.
Consumer complaint received 2018-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MA)

In XXXX I lost the employment and had to get off my income based repayment plan and was moved to forbearance due to unemployment. I regained employment in XXXX. I called AES to request that an Income Based Repayment ( IBR ) plan application be mailed to me. After a few weeks I called back and was told that the IBR was mailed but that they would send it again. A few weeks later after receiving nothing I called back and was told that nothing was mailed either time and that I can go to the website to get the application. I said that I don't want to go to the site and asked that get the application mailed to me as I did 3 calls and 2 months prior. A few weeks later I called again for a fourth time asking where the application was because I still haven't received anything. I was told that the " systems were down '' and that " nothing could be mailed but I could go to the website ''. I told that person that for the fourth time and 3 months after my initial request that I still want the paperwork mailed. After receiving the paperwork I completed the application as instructed and faxed it in along with the required pay stub. 2 weeks later I got an email saying that my application was denied and I have to stay on my current plan. I emailed back saying that how could my application be denied? I am working and want to start repayment but can not because they denied my application and want me to continue paying nothing! They replied back saying that I was denied and have to stay on my current plan. I replied saying that is ludicrous. I can resume repayment because I have income and don't want to continue paying nothing. AES 's response was that I must continue on my current plan until next year when my current repayment plan is up for renewal. That is insane. They owe me for the 3, now 4 months of accrued interest and to go over with me terms of repayment. What AES is doing is CRIMINAL.
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I have contacted this creditor to resolve the matter they have denied every request that I had made to them. I am tired of going back and forth with them. They have even contact other references in regards to this debt. I want a verification with my signature stating that I owe this debt and they have failed to also provide that. They harass me on a daily in pursuing to collect on a debt that hasn't even been verified. I want this issue resolved and a complete investigation on this because it is unheard of for a company to do this and it is affecting my credit.
Consumer complaint received 2018-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Pleae remove these inqiuries XXXX card, XXXX, XXXX, XXXX, XXXX and my XXXX card wwas paid in full, XXXX credit card, XXXX loan paid in full with no balance. please remove XXXX  XXXX credit card. its over 7 years old please.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (VA)

Refer my CFPB Complaint # XXXX. Debt was Citibank XXXX XXXX account. Was contacted over 4 years ago ; I ran into lack of job and other financial difficulties. Card is charged off ; Contract sold to XXXX XXXX of XXXX, CA. - File # XXXX. I dispute notification of debt and account. I was contacted XX/XX/XXXX by a Process and Services Agency called XXXX XXXX XXXX, and was informed after calling number for more info, spoke to XXXX XXXX, a Claims and Mitigation attorney with XXXX XXXX XXXX in California. He gave me Case info and that it had been sold to XXXX XXXX, a Client of XXXX XXXX XXXX. This Debt is OVER 10 YEARS OLD, and the statue of collections was to expire XX/XX/XXXX, per XXXX XXXX. My Original balance about XXXX was {$980.00}, but was informed by XXXX XXXX that interest and penalties accrued, unbeknownst to me, to a balance of {$2800.00}. I want balance down to a more manageable amount if it is required to pay off, even though it is a charged off account. I want my file removed and released and do not want to be contacted by XXXX XXXX. XXXX, VA court system. I could not make payments, fell short, tried to contact and get resolution, lost contact with whomever was holding debt. Was not notifed it was reported to another collection agent and then sold. Account " dropped into a crack. '' Does not show in my current credit files. Why notification now, over 5 years no contact, no notification and account sold and not informed. When I try to obtain more and better employment, this should not be in the records to hold me back from gainful employment. These companies " did not act in good faith '' to try and contact me until now. When verified, my DOB, info and address are current and on file, so there is No Excuse of no contact from XXXX XXXX and XXXX XXXX. XXXX XXXX gave me contact number for XXXX. It is : XXXX and they are in XXXX XXXX, California. To my knowledge, my credit is in good standing. I do not need this issue hanging over my head. 
XXXX XXXX original Credit card account number : XXXX
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NV)

XXXX XXXX XXXX is report wrong information on my credit reports. The information that is being reported on my credit reports is false. XXXX XXXX XXXX is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action. I have also never received a " dunning letter '' for XXXX stating that they own the debt and intend to start collecting practices. They have been reporting this account monthly for over a year.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/2018 I contacted Equifax about an ongoing ID Theft Case that had already been reported to their company on my personal credit report. I was advised by the customer service agent to fax all supporting documents to substantiate my claim to XXXX. He advised me that the investigation would take 30 days and that I should submit my documentation during that time frame. On XX/XX/2018 I faxed my police report, FTC Fraud affidavit, ID, Social security card, proof of current address and proof of address at the time of incident as advised to XXXX. My FTC Fraud affidavit specifically outlined the name of the accounts in dispute, the account numbers reported, and the amounts disputed. A few weeks later I received a letter from Equifax dated XX/XX/2018 stating the following " Please be specific with your concerns by listing the account names, numbers and the nature of the dispute. '' This is totally unacceptable and obviously a stall in the process of doing what I SPECIFICALLY asked them to do. Attached you will see the FTC affidavit that lists the account names, numbers and nature of the dispute as they asked WITHIN the specified time frame from my original call on XX/XX/2018.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have an issue to open bank account since XX/XX/2015 because bank of america made mistake and put my name under fraud activities and closed my account. 
I cleared my name with XXXX and I have identity case. 
I cant open account because bank of america still blocking my name. 
Can you please help me. 
Thank you.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

I'm disputing this duplicate credit entry. Tried to work it out, disputed with all 3 credit bureaus. No one wants to listen to me. We cant have double jeaporday. The originial creditor is claiming the debt as a charge off. and the debt collector is claiming the debt as well. If you own the debt both have to prove it. XXXX XXXX XXXX you need to stop acting like I opened this account on XX/XX/2016. That's a blaten lie. Show me the contract. XXXX XXXX is the original owner of the account. You are ruining my credit report with the double entries. 

You've paid off 2 % of your collection amount. 
Balance {$650.00} Highest Balance {$660.00} Opened XX/XX/2016 ( 2 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX had REPORTED to XXXX and to the credit companys. As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. I had contacted XXXX XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a Internal XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Father XXXX XXXX in XX/XX/2018 leaving me as a beneficiary on his Traditional IRA. After multiple attempts at going into the branch to attempt some instruction on how to obtain the money I was finally told that the IRA deptartment would be sending me further instructions in XX/XX/2018 XXXX the people at the branch wouldnt let me talk to the IRA dept, nor would they give me any information whatsoever ). I received a letter from Bank of America a few weeks later stating we are unable to process your transaction at this time. This left me baffled as I wasnt trying to process anything, I was waiting on instructions from the IRA dept. So I called the number listed and after having to transfer to the fraud dept to even get a real person to ask a question to, found out the IRA dept. didnt work weekends even though the paper they sent me had weekend hours. I was told they decided to change their hours but failed to update their correspondence! I called back Monday, XX/XX/2018 and talked to XXXX XXXX who advised me I had to open my own money market IRA BEFORE they could release the funds to me that were left to ME as a beneficiary. He completed this over the phone and advised me he had also completed the beneficiary disbursement form that needed to be done in order for the money to transfer. He advised it would be about 14 business days and I should receive a check with my disbursement. As of XX/XX/2018 I still had not received a check so I called again and was advised the beneficiary disbursement form was never filled out or it was lost, so the money was never transferred into my account at all. Still waiting on a call back from a supervisor as to what happened now that I have waited over a month while they hold MY FUNDS hostage because they havent done what they said they were going to do on multiple occasions. This company has XXXX XXXX and lied every single time I have been in contact with them and none of their employees understand how any of this process works. I am absolutely appalled at how I have been treated through this whole process especially after losing my Father.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have wrote to TransUnion to remove my extended fraud alert. TransUnion will re-add the fraud alert back on my credit report after I had previously removed it on the TransUnion website. This happens every two days of them adding back the fraud alert. Today I noticed that XXXX has reported they they received the fraud alert notification from TransUnion and is now listed back on my XXXX report as well.
Consumer complaint received 2018-09-18
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: DISCOVER BANK (TX)

My statement of XX/XX/XXXX to XX/XX/XXXX showed an item of " XXXX XXXX XXXX {$490.00} '' adding to my statement. 

The first time that this {$490.00} showed on my statement was in XX/XX/XXXX. And I didn't recognize it, since it was saying the {$490.00} was for XXXX, but I never had a XXXX account. And I was in XXXX during the period of XX/XX/XXXX to XX/XX/XXXX and I couldn't use this card in XXXX. Clearly, it was a fraud. 

I reported this dispute of {$490.00} to the bank and they were pretty helpful and gave back my money. 

But on my XXXX 's statement, this {$490.00} together with other transactions ( I recognized and paid for those ones ) showed again. 

I called the bank. They told me after investigation, this transaction was made by XXXX and the bank didn't recognize it as a fraud anymore. BUT, I don't even have XXXX and I wasn't able to use Discover Card in XXXX. 

The bank told me that they would go through another investigation of my case. It has been two months since I reported the issue. And I haven't had any feedback from the bank yet.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

I have contacted Experian on several different occasions regarding a bankruptcy that is inaccurate. The company also verify bankruptcy without the proper investigations. They also go off old reporting disputes and uses the same reason. 

The inaccurate bankruptcy has been deleted for several months from XXXX XXXX. 

Experian refuses to remove this inaccurate bankruptcy that isnt mine or showing under my name or social security. 

I have attached XXXX documents : XXXX XXXX and XXXX. 

XXXX has deleted after receiving the proof and investigations. XXXX has deleted this from my credit file and XXXX.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

On XX/XX/2018 I received a letter ( dated XX/XX/2018 ) in the mail from Convergent Outsourcing Inc. I opened it and found myself equal parts surprised, confused, and a little scared. The letter stated that they were a collection agency attempting to collect a debt. I found this very odd as I have a good credit score and pay all my bills. I looked at the amount ( {$330.00} ), and the original company claiming the debt ( XXXX ). I instantly became suspicious as I have only used the account once, which was several years ago. I checked my XXXX account. It confirmed that my account balance was indeed {$0.00} and that the last activity was years ago. I`m going to attempt to contact Convergent, but after a quick google search pointing to a scam, I`m apprehensive to deal with them. Thank you for your time and consideration.
Consumer complaint received 2018-09-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (CA)

I took out a personal loan with this company Avant.This loan was a 36 month loan. On XX/XX/2018 I paid this loan off. Avant sent me a payoff notice. I was checking my credit report and Avant was reporting to all the three credit report agencies I still owe a payment reporting the month of XXXX. I contacted XXXX and disputed the information and told them this account has been paid in full. Avant has responded and they closers my account affecting my credit. They should have just reported that this account was paid in full. I made all of my payment They should let me report if I wanted this account close I feel they just tryed to mistreat me by reporting this
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I'm not an expert on this, but I was shocked when I reviewed my credit report and found late payment on the date shown below : XX/XX/XXXX/XX/XX/2018 - 30 days marked late! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. And to reconfirmed I actually went to local branch and asked exactly how much i owed and they mentioned that I was all caught up. I honestly dissatisfied right now with bank of america consider i have a stellar relationship with them and I would like to continue as well.
Consumer complaint received 2018-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I graduate College in XXXX with approximately {$18000.00} in student debt with XXXX XXXX. It was an initial interest only payment for 7 years, then a structured payment for the remaining life of the loan. In XXXX my loan was transferred to AES and my auto debit payment continued every month. Due to an error on AES ' part it was applied to interest only for another 7 years. 14 years of paying {$110.00} per month for a total of approximately {$19000.00}. I have paid more than my original debt, but still carry the full amount on my account because of their mistake? or is it fraudulent behavior? After researching this it seems there are many others in the same situation as mine ; all starting around XXXX. This type of activity is criminal. I am a consumer who paid every month, in good faith, and amount that was requested to satisfy my loan in a timely manner. Individuals have gone to jail for less than this. I will not stop pursuing this until a fair, reasonable accommodation is made. I repeat myself, this is theft, someone needs to be held accountable.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation (MT)

I requested verification of debt from another collection company in XXXX. I answered a summons and plead not guilty, as they would not provide me with verification of the debt. Regardless, my wages were garnished by this agency. I was not aware of another judgment attempt. I contacted them in XX/XX/XXXX requesting verification of the debt, but they told me that they had a legal garnishment and were not sure that they would be able to find verification of the debt. They did state that it is for XXXXXXXX XXXX. That information did not have any meaning to me. I filed a complaint with the CFPB and Montana Attorney General XX/XX/XXXX. All communication stopped at that time, so I believed the issue had been resolved. They now phoned me on XX/XX/XXXX and stated that they have a judgment through XXXX. I believe the debt is not only not mine, but also past the statute of limitations.