davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MA)

On Friday, XX/XX/2021, I contacted my current mortgage company, Caliber Home Loans, to notify them of my closing date with a new lender, XXXX, on Tuesday, XX/XX/2021. I requested they update the Payoff ( through XX/XX/XXXX ) to reflect the correct Escrow Balance of - {$35.00}, not {$1900.00} which reflects the XX/XX/XXXX Real Estate Tax Bill that is due. They bounced me back and forth between Customer Service & Tax Department for over 2 hours. I probably spoke with about 6 different people and can not remember all names. XXXX from Caliber 's Tax Department admitted the tax date they had in the system was wrong ( incorrectly listed it as XX/XX/XXXX, not XX/XX/XXXX ) and that they do not even have a tax bill for which a Stop Payment could be issued. She is correct, because I can not even get an updated statement from the City of XXXX as they have not issued them for the XX/XX/XXXX billing yet. The City of XXXX issued me an abatement in XXXX and I do not even know exactly what the amended XX/XX/XXXX bill will be yet, because the City has not issued those new XXXX bills and will very likely see them until XX/XX/XXXX, which is long after I close and pay my Caliber loan in full. 

I was then transferred to her Supervisor XXXX who then passed me back to Customer Service again and then transferred me to another Customer Service Supervisor, XXXX. XXXX along with the new Tax Department contact flat out refused to update the information and basically said they would not change anything and gleefully told me that they won't even discharge my loan if I did not pay the {$1900.00} escrow balance ( which is incorrect, because my escrow balance is - {$35.00} XXXX and the bill is not even owed to the City of XXXX until XX/XX/XXXX. So, now both banks are charging me escrow for the same tax bill. This is a highly unacceptable practice that puts an unfair financial burden on the borrower. I was also told by the new bank representative at XXXX that it is illegal for them to collect this additional money. I want them to be punished for triple the amount ( {$1900.00} x 3 ) they are unfairly trying to collect from me interest free, so they will be incentivized to fix their processes and not put such an unfair burden on any borrower again, especially in the middle of a pandemic where so many people are hurting financially.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX there was a XXXX  transaction of {$1000.00} to an XXXX XXXX from my USAA checking account. This transaction was unauthorized. I do not know XXXX XXXX. I was the victim of a scam, Mr. XXXX impersonating several people including a tow-man and mechanic. I called someone out to run a diagnostics on my non-running vehicle and they claimed to tow it to do just that however my vehicle along with my phone, and my credit/debit cards were stolen. This person began making transactions on my account ( fraud ) because he has access to ALL of my personal information and unlocked cell phone, so at this point I contacted the police and filed a police report but not before disputing those charges with my banks. Yes banks because XXXX XXXX also stole money from my other financial institutions totaling over {$2000.00}. I requested several reviews and appeals and even took it as high as the executives office with my dispute and it was still denied. XXXX at the XXXX  office was extremely rude and dismissive of the situation and tried nothing to help resolve so I decided to file this complaint so that banks and XXXX scammers dont get away with stuff like this in the future. As a XXXX mother of XXXX this financially destroyed my family and Im asking that justice be served in this complaint. Please note that I provided the police report information as well and that still wasnt good enough.
Consumer complaint received 2021-03-26
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. (GA)

XX/XX/21 - contacted Transunion by phone at XXXX. 

A bankruptcy was placed on my credit report without verifying any information. 

Spoke w/ XXXX at Transunion XXXX XXXX indicated on a monitored and recorded line that US Bankruptcy XXXX Georgia verified information placed on my credit report by phone. She verified the phone number of the court. I advised the court does not verify bankruptcies at all much less by phone. I advised that I provided proof of such. She transferred me to a supervisor XXXX. 

XXXX at Transunion indicated that my dispute was not reinvestigated because it was already deemed as resolved, verified and accurate. Therefore, Transunion has lied to the CFPB. They did not investigate or attempt to resolve my complaint. 

Both calls were monitored and recorded. Transunion should be REQUIRED to provide the CFPB with both calls. 

Also, Transunion provided IN WRITING a letter citing the bankruptcy court as the source in verifying this information. As Ive indicated in all of my disputes that are NOT being investigated, this information is false. I have spoke with the bankruptcy court and I have documentation from the bankruptcy court that they do NOT verify bankruptcies.
Consumer complaint received 2021-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (IL)

I have a subsidized student loan account with XXXX XXXX from my XXXX degree at XXXX University. I have been continuously enrolled in graduate school at XXXX University since XXXX  meaning that this loan account is supposed to stay in deferment. However, this past XXXX, XXXX  XXXX claimed that I could not be found on the XXXX XXXX XXXX and removed my account from deferment and started charging interest. I have submitted enrollment verification to them and called them multiple times to resolve this issue. They tell me every time that my enrollment has been verified, but that it will take 2 weeks to process, for my loan to be placed back into deferment and for the interest charges to be removed. This has been going on now for 3 months, and no action has been taken. My loans are still listed as out of deferment and interest keeps accruing, and now they are reporting it as an open account on my credit report.
Consumer complaint received 2021-03-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OR)

I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for XXXX years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX  property.
Consumer complaint received 2021-03-26
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. (NJ)

I was a victim of Identity theft and previously had the debt removed from all credit reporting agencies but Experian is refusing to remove again. I have submitted supporting documentation showing that I'm currently involved in a civil case with XXXX XXXX. i requested all debts be removed pending the outcome of the court case. Once the facts are heard in court they will actually owe me money. 

XXXX XXXX Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$14000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$14000.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$14000.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Reinvestigation  Info This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2021-03-26
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. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX  XXXX XXXX XXXX XXXX N/A XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-03-27
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character
Consumer complaint received 2021-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (LA)

I realized my check had a garnishment on it on XX/XX/XXXX, did not know why this was and contacted the employer who had to check to see what it was about, I was not previously notified by either the collection agency or my employer. The employer sent me over a form letter sent to them by ECMC stating I had a defaulted student loan, when I contacted ECMC from the number on the form letter sent, I spoke with XXXX who stated the student loan was from XXXX which was odd since I have only had grants for my higher education, I told her this showed on my credit several years ago and was removed and now they were attempting to re-age this by stating it happened and was received by them on XX/XX/XXXX -- -again this does not make any since. I asked for a copy of the signed loan for verification of this debt, on XX/XX/XXXX and to date have not received this information, however the employer is still taking money from my paycheck. According to the form letter sent they will continue to charge interest while money is being taken from my account. In XXXX I had another company contact me about this same issue and then refused to provide me with the documentation requested, never heard back from them, so ECMC again bought this loan again and this time begin garnishing my money. As I stated to my employer I thought I should have had prior knowledge of this from someone, and did not, also, when I asked XXXX of ECMC about prior contact her reply was someone told her the number I called from was not my number and that they sent a letter ( not a certified letter, just a letter ), which again, I did not receive. So I have no proof that they truly sent the letter and i did not reply nor do I know how they got my phone number, as I did not previously give this number to them to even contact me. I was given reference number of : XXXX to provide to a loan locator at ( XXXX ) XXXX, I again asked for documents proving this loan. I was able to go to a website and pull the same form letter used by this company for a garnishment, which disturbs me that it is that easy to do and then send to an employer who just takes the document ( which has no legal stamp or anything on it ) and begin garnishing money. I would think I could do the same think if form letters and not court orders are necessary these days ... .too much power and authority is given on these student loan collections ... .a loan from XXXX has been written off, how many times.
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Why do you keep lying about my case? The credit bureaus say that I am not the one who is trying to repair my credit, what evidence do the credit bureaus have to say or allege this? They are playing with my financial life, MY CREDIT this is very unfair. I again demand that an investigation be opened immediately of ALL the accounts that I have been disputing in the last 10 months. And stop telling lies, the only one who has been trying to fix my credit IS ME AND NOBODY ELSE. 

And you CONSUMER FINANCIAL PROTECTION BUREAUS are not giving a true follow-up to what the credit bureaus do, I am truly disappointed in you, I came here with you to take refuge and you end up doing me more harm. 

I am attaching my identification, so that they do not say that it is not me.
Consumer complaint received 2021-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have contacted navient regarding overpayments on private loans, the most recent onXX/XX/2021. An overpayment of {$0.00} was paid on an account, and adjustment made by navient, which increased the balance of the loan, rather than refunding the amount to myself or applying the overpayment to another loan. At the rate of about XXXX XXXX borrowers, these adjustments, applied to every borrower, means navient is making illegal adjustments to loans enabling them to keep MILLIONS in overpayment " adjustments ''. 

A previous overpayment ofXX/XX/2021 was similarly treated. 

I've reached out to navient several times and have two cases open asking repeatedly for documents addressing the treatment of overpayments, as well as capitalized interest, which has not been applied with clarity over the lifetime of my student loans, and receive little feedback or help.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$26000.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$15000.00} XXXX  XXXX BALANCED {$8100.00} XXXX XXXX BALANCED {$2200.00} XXXX XXXX BALANCED {$16000.00} XXXX XXXX XX/XX/year>
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello. In my credit report with Transunion it appears on one of my mortgage with XXXX XXXX  XXXX  XXXX adverse information about stating the account payment status the account is included in a bankruptcy. It also states in the remarks section : Chapter XXXX Bankruptcy. Ive disputed the item 3 times and lastly I sent them copy of my discharge and evidence this account was never included in my chapter XXXX and even if it would of been included, its beyond the 7 years mark ( XX/XX/2020 ) and it should of been removed from my account. Unfortunately they have refused to correct the information, it continues to appear and this is causing me issues now that I want to buy a property. Its important to say this is the only adverse and inaccurate information that appears in my credit report with and the credit reports with the other two agencies have no issues.
Consumer complaint received 2021-03-26
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. (GA)

Experian need to update the records - please see XXXX letters ATTACHED From XXXX. XXXX XXXX - ABOUT FLIP THE HARD INQUIRY TO SOFT INQUIRY XXXX. XXXX XXXX XXXX ACCOUNT CLOSED - PLEASE SEE LETTER FROM XXXX REMOVAL OF ACCOUNT. THIS ACCOUNT HAS BEEN REMOVED SINCE XX/XX/2021 FROM OTHER BUREAUS, BUT STILL EXISTING WITH EXPERIAN. DATA FURNISHER HAS PROVIDED THIS INFORMATION TO ALL BUREAUS AT ONCE. BUT EXPERIAN IS NOT REMOVING FROM THEIR RECORD.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (VA)

On XX/XX/2021 I authorized a payment of amount {$2600.00} to pay off my XXXX XXXX credit card balance. The payment was to come from my Citibank checking account. On XX/XX/2021, the payment of amount {$2600.00} was withdrawn twice from my checking account and paid to XXXX bank. I only authorized the payment once, but two payments of the same amount were made. On XX/XX/2021, I called Citibank to correct the issue and request that the second payment be returned from XXXX to my checking account. They claimed that the payment could not be reversed as it had already been processed and the funds had been available. They claimed no fault as their fraud detection system had not been flagged during the erroneous second payment. I have not been able to get a hold of anyone at XXXX to request a chargeback, but the money is currently a credit on my XXXX account.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are XXXX XXXX XXXX XXXX accounts showing on my Transunion account. 

- XXXX XXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX converted my account to XXXX XXXX a few years ago. There is only XXXX ( XXXX ) account but Transunion is showing XXXX XXXX XXXX XXXX separate accounts - with duplicate information. 

I've attempted on several occasions to dispute this error without success. 

I spoke wXXXX on XXXX XXXX to lodge a complaint. I spoke with a representative ( XXXX with ID # XXXX XXXX.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2021 as I was applying for a mortgage loan I received a copy of my credit report done by XXXX.My score was XXXX. It stated that I had too many inquiries last 12 months. I have not asked for nor applied for any credit and have told them not to acknowledge any request without contacting me. They also state number of accounts with delinquencies. I have no delinquent accounts and checked with my creditors to validate this. Too many accounts with balances. I only have 2 homes which have never been paid late 1 car which has never been paid late and a XXXX XXXX Credit card with a XXXX dollar revolving balance. I have told them to refrain from giving out my business and had a fraud alert at one time.
Consumer complaint received 2021-03-27
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: Resurgent Capital Services L.P. (MD)

I learned inXX/XX/XXXXthat PYOD, LLC had filed a delinquency against me. This company is also known as Resurgent Capital Services. I called the firm and spoke to a XXXX at XXXX. She informed me that an account had been opened in my name with XXXX XXXX XXXX, XXXX. The account was opened in XX/XX/XXXX in the state of Georgia. The amount being reported is {$1500.00}. 
It was determined in this phone call that the account was not mine and I asked XXXX how I might get this matter resolved. The spelling of the account holder is spelt differently than how I spell my name and I have never resided in Georgia. 
She informed me that she would be sending a letter to me in the mail that would give me an opportunity to dispute my claim. 
I received the letter several weeks later, datedXX/XX/XXXX. I quickly called my attorney and asked for his involvement. He and I filled out the forms, signed the forms and notarized the letters disputing the matter. 
The letter and forms were sent to PYOD, LLC and received on XX/XX/XXXX. I called the company onXX/XX/XXXXand learned the investigation from the firm has not begun and I was told that no timeframe was available. PYOD has been very slow to respond in several situations. 
I am involved with a purchase of a home. My credit is being adversely effected by over 100 points due to this false claim. The lenders are advising me to get this matter resolved as quickly as possible as the damages will be six figures due to the rate increase associated with the damaged credit report.