davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: RC Willey (UT)

My income has been slashed by over a third, since losing my career at my previous employer due to COVID XXXX, and I have been working with every institution I owe money to, in order to stay current and prevent further arrears. With every other debtor I owe, I have been able to get the company to stop charging interest and lower my monthly payment, and am slowly catching up. 

Except for XXXX XXXX. They refuse to stop charging me interest, so the debt just keeps getting larger. They won't reduce the payment amount, so I can never afford to pay it. And now, they sent me a letter, dated XX/XX/2021, received XX/XX/2021, that they will be pursuing litigation. 

It was my understanding that until the XXXX situation was resolved, companies were prohibited from using such tactics. XXXX XXXX is acting like a loan shark. Please let me know how I can best resolve this situation with the resources I have. Thank you.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Prior complaint  XXXX ,  Bayview  does not apply payments correctly. They hold payments and suspense money over the mortgage amount.They are saying I owe for  XXXX  from  XXXX   2017 . We have never missed a payment, we paid bi-weekly with prior company and are years ahead on the mortgage. When I call in and complain they block me from their website.   They are sending me foreclosure notices and were calling me for payments even though I do n't owe them.   Of note also is they were using the wrong interest rate a supposedly corrected it.   I am paying interest on a principal balance that does not include the money they are putting in suspense. They have always had sloppy accounting however it has gotten worst since they sold the mortgage to   XXXX    XXXX
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened an account on XX/XX/XXXX with suntrust bank and i deposites XXXX with a check that i recieved from the sale of my house from the title company after a seven to ten day hold of my funds i was able to make two transactions before my account was locked i have called repeatedly and even went to my local branch and they dont seem to have any answers for me i dont have access to my money or anything its been over a month and still no answer as to why this is happening to me now as of XX/XX/XXXX under my transaction details it says Legal Order Debit for XXXX and once again no answers to why this is happening or reason all i know is my money has been taken from me.
Consumer complaint received 2021-02-11
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: Experian Information Solutions Inc. (TX)

I have disputed XXXX XXXX XXXX  on my credit report as identity theft by mail, I sent all documentation as required ( Identity Theft Affidavit & Police Report ) more than 30 days ago, and they have not started the removal process or investigation..
Consumer complaint received 2021-02-11
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: CAVALRY INVESTMENTS, LLC (TX)

I keep getting collection letters and calls after sending identity theft affidavit & police report disputing this item as identity theft/fraud. Letters have been sent to XXXX, XXXX and Cavalry ...

Cavalry now seems to have sold the debt to another collection agency
Consumer complaint received 2017-05-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Hello I sent a certified letter to equifax concerning a bankruptcy that was listed on my credit report. This was in  XXXX   2017 . They signed for the letter on  XXXX   XXXX   2017  and failed to mark it disputed on my credit report as of  XXXX   XXXX ,2017. They also sent me a letter in  XXXX    XXXX ,2017  saying they verified it with  XXXX  in  XXXX     2017  but i froze my report on  XXXX   XXXX ,2017. They are clearly being dishonest and breaking the law.     thank you
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account has been frozen since some where around XXXX, I reported my card lost or stolen XX/XX/XXXX And disputed some charges. I'm not an accountant I just know I'm missing money, I thought they could look at point of sale and tell me who was using my card. I SPENT AROUND XXXX  OUT OF XXXX dollars. Well instead helping me fix the problem they froze my account and edd is trying to put more of my benifiets in and can't so now I'm double in the whole and my bills are pulling up and things are getting shut off Not to mention I'm quarantined on a XXXX XXXX XXXX with no way to stimulate myself economically .. I am starving to death literally and they want to play games.I just want my account unfrozen funds put back since there f.d.i.c.insured. thank you
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America originally listed a Power of Attorney which was recently changed. This most current POA was hand-delivered to the Reading, MA branch while meeting with a customer representative who stated that until the new POA is approved, this account will remain frozen for deposits and withdrawal which will take a couple of days, but we will let you know when it has been released for banking. Well, two days later after submitting this updated POA change, within two days, this account had a withdrawal of {$9700.00} by the previous POA and BOA allowed this to be withdrawn. We have tried to contact BOA to get this resolved, but they never called back after several attempts and the account still remains deficient of the illegal withdrawal of {$9700.00}.
Consumer complaint received 2021-02-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Caliber XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX A complete short sale package was submitted to Caliber on XXXX/XXXX/XXXX. The buyers offer was at $ XXXX. On XXXX we were told the value came back at $ XXXX. On XXXX we were countered to $ XXXX. ( which just happens to be the amount required for a full pay-off - see attached ) We called in on XXXX and spoke to XXXX XXXX. She stated that 2 days ago the investor stated they would no longer offering short sales as an option for a distressed homeowner. The only option the investor would offer was a foreclosure or a deed-in-lieu. I requested a copy of this notification and she said she did not have that, but I could talk to someone in the short sale department. 

XXXX then transferred me to XXXX XXXX. ON A RECORDED LINE XXXX stated the investor just changed their guidelines regarding short sales. XXXX refused to provide anything in writing regarding the supposed changes. XXXX stated neither Caliber nor the investor has to comply with State Law regarding notifying the homeowner when any foreclosure prevention option is removed. 

Furthermore XXXX was sexist and diminutive to me on the phone, constantly interrupting me with his pathetic oh-its-not-me-its-the-investor-im-just-trying-to-do-everything-I-can-to-help VERBOSE VERBAL XXXX. Unfortunately for XXXX, we have done a lot of short sales and a lot specifically with Caliber, and I know for a fact that he is lying. Caliber is a foreclosure mill and quite frankly we expected to have to file a CFPB complaint in order for them to follow the law.
So far, on this file Caliber has been rude, lied, diminutive, sexist, XXXX, committed elder abuse and mortgage servicing fraud. 

Since we have to file a CFPB complaint on every single short sale we have done with Caliber would you like a copy of each complaint? 

I want the CFPB to pull the servicing records for Caliber, as it is obviously an internal guideline ( written/official or not ) to force homes into foreclosure. ( Again this is not the first time Caliber has made up fictitious guidelines with us. )
Consumer complaint received 2021-02-11
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: WELLS FARGO & COMPANY (AZ)

On XX/XX/2021, I received a text message from XXXX informing me my credit score had changed. I thought fantastic maybe it went up because I have excellent credit. My score was XXXX at the time, and I look almost every day. But when I looked it had dropped to XXXXMy heart raced as I called XXXX XXXX to see what had happened. I keep a zero balance on all my credit cards,20 cards zero balance. When I got in touch with XXXX XXXX they said I owed {$19.00}, I said for what and they said it was an annual charge. I said why wasn't I called or notified by mail, or email. She said lots of things don't work the same as they use to, due to the covid. I said I should have been notified. Look at my credit and you will see that I never miss a payment. I was not properly notified by my bank Wells Fargo nor XXXX XXXX. There has never been a time that I did not have {$19.00}. I pride myself on having a zero balance. I knew I had no debt or thought I had no debt. XXXX XXXX reversed all charges, late fees. Wells Fargo apologised for not tying my checking to overdraft. Please help me I feel so taken advantage of by people you can't even talk to. I really have done nothing to deserve this. XXXX XXXX account # XXXX XXXX XXXX XXXX, Wells Fargo account # routing XXXX checking account # XXXX. You can look and see all my accounts I had plenty of money in the bank $ XXXX {$15000.00} total in several account 's. Also I feel that the covid 19 has factored in on the way things are handled at banks and financial institutions. People are working from home. Lots of people are new to these jobs and things are getting passed over. It's not fair to ruin ones credit for {$19.00} and especially when they were not properly notified. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX phone XXXX XXXX XXXX Email XXXX XXXX
Consumer complaint received 2020-06-12
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. (FL)

Experian and XXXX are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-12
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2021-02-11
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LOAN TO LEARN (NY)

In XXXX my son applied for a private student loan for {$15000.00}. I am the co-signer. Back then the original name of the lender was XXXX  XXXX XXXX XXXX XXXX then they were brought by Loan to Learn. The initial monthly payment was {$170.00} for the year XXXX through to XXXX all payments were made on time and we paid a total of {$21000.00}. In XX/XX/XXXX we missed one payment and Loan to Learn turned over the account to a XXXX XXXX, XXXX. I pleaded with Loan to Learn please don't garnished my salary or take me to court for just one late payment. XX/XX/XXXX my cries went unnoticed and I received an stipulation of settlement letter in the mail starting XXXX demanding me to accept their offer pay off the amount of {$22000.00} to pay {$270.00} per month until paid in full. For those two years ( XXXX and XXXX ) we paid another {$6400.00}. In XXXX, I called Mr. XXXX 's office and begged him to please reduce the amount to {$200.00} a month and he agreed. Since XXXX we been paying {$200.00} per month. As of today, we paid a total of {$39000.00}. Here comes the nightmare. On my credit report it states I'm XXXX delinquent and I owe {$15000.00} and I'm behind {$5000.00}. Since the incorrect information is on my report, and I'm currently unemployed, I'm unable to take out a home equity line of credit due to this information on my report. I spoke with Mr. XXXX regarding this and he told me he don't report payments made directly to him so where is this inaccurate information coming from? Please you are my last hope, I tried going to credit repair only to fined the information is always updated with this inaccuracy. I need someone to please take a look at my case and any help you can give me would be greatly appreciated.
Consumer complaint received 2020-06-11
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abide by these laws.
Consumer complaint received 2020-06-11
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: NAVY FEDERAL CREDIT UNION (MO)

Navy Federal has been a mental and emotional distress on me and my credit file. This account was not opened by me, nor have i engaged in any type of arrangement with them as falsely stated in the comments on my report. And more importantly this account was removed from my report in XX/XX/XXXX, but then reinserted in XX/XX/XXXX, And as a general practice no company shall reinsert any accounts without notifying the consumer within 7 days. And this did not happen. I'm demanding that this account ( Navy Federal ) be removed and blocked from my credit file in accordance with the laws of The FCRA.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX combined my paid off account to a delinquent account and reported to the credit bureau It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) )
Consumer complaint received 2020-06-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX  and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a )  regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, XXXX  received my last complaint on XX/XX/2020 and did not respond until XX/XX/2020. Due to the untimely response exceeding the 30 days allotted time, it is my right that the item be deleted for no response within 30 days. 
Furthermore, I NEVER received any correspondence for the item in question from the creditor therefore this item has no place on my credit reports.
Consumer complaint received 2020-06-12
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on my report. I than printed out a copy of my credit report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$75.00} XXXX  XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$830.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX {$2600.00} XXXX XXXX {$400.00} XXXX  XXXX {$300.00} XXXX  XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (OH)

This is the second time I have sent out a complaint about this account that I have already paid off. XXXX  and XXXX  has already removed the following account off my credit report listed below : Allied Business Services # XXXX with a balance of {$0.00} due to me paying the account off. I have already spoke with XXXX  several times explaining the situation at hand and no one has been able to help me in regards to removing this account off my report. XXXX  has told me to contact the client to have it removed but the clients states that I have to contact the credit bureaus to have it removed but nothing has been done. I have attached documents showing that the account that was paid off has been removed from XXXX and XXXX.