davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (CA)

i have sent multiple emails to the risk department with proof of my address, my driver 's license, and 2 receipts and packs at a value of {$400.00} and they are refusing to refund me my money still. i have talked to XXXX who is a 3rd party and does nothing but forward the emails, i have spoken to XXXX who all of a sudden doesn't work there i was told i would be getting a full refund of the {$1300.00} in my account. i spoke to a person named XXXX that said he was supervisor who told me to send in what i could and i would get a refund. these packs were given to me by my grandmother before she passed. this has been going on since XX/XX/XXXX, i have been trying to resolve this since XX/XX/XXXX. my grandmother has since passed away, i have told them over and over that i have not been able to locate the receipts for the other 2 packs becauae she purchased them. i was told that was fine and to send what i had and i would get a full refund, i needed that money to assist with her funeral. i was also told by XXXX that because this company doesnt employ XXXX people or have XXXX people in the company he doesnt know how to deal with people like me. i also received documentation for another customer that states fraud, it shows that they place blocks on any and everyones account for the baseless reasons, no proof of fraud whatsoever, i have never been accused of fraud by them but getting this letter shows this is the route they will go that route. i have never spoken to an actually supervisor only customer service reps. this company is a joke a scam.
Consumer complaint received 2018-09-18
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc. (PA)

I am a customer of Caliber and have been for XXXX XXXX years. I need to express my disappointment and reach out to you regarding an issue I am hoping you can correct. 
We purchased a home back in XXXX of XXXX. We applied and were approved for a 30 year mortgage. 5 days before we closed we received a call to let us know our score dropped due to the consultant pulling out credit too many times. XXXX to be exact and needed to come up with XXXX or go to a 15 year mortgage to be approved. 
We accepted the 15 year and have been making payments on time ever since. Recently we ran into some medical issues for our son and contractor issues. Because the payment has us on a pretty tight budget we wanted to see what Caliber could do for us. They suggested we apply for a forbearance. We were approved for 6 months and a lower payment. The paperwork was confusing so we called to find out what this would do to our credit. We have a stellar payment history and did not want this to affect it. 

We were told by several associates that it would show up as a forbearance not a XX/XX/XXXX etc day late. We were told it would not impact our credit that way. We decided to do it. Made our first payment and were reported 30 days late. 

We have acquired the money to get caught up and we are canceling our forbearance and paying the balance this week. I want caliber to remove this 30 day late due to the incorrect information given to us by your staff. We would have never entered into this agreement if we were given correct info. 

XXXX ID XXXX was one of the reps we spoke to last Wed. 
We also had a recent issue with our XXXX fees not getting paid. We have been chasing caliber since XXXX. We have XXXX late fees with our XXXX company. We finally received a letter saying it was paid. The amount of {$48000.00}. Our HoA fees are {$180.00} a year!! They paid someone elses bill out of our escrow. Im furious. 
Im so disappointed in this company. There seems to be issue after issue. 
I want this late removed!!! 
I have emailed and Am waiting on calls back from supervisors in customer service but they never respond. 
Caliber is an unethical and not looking out looking out for their customers best interests.
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: Experian Information Solutions Inc. (NC)

I have sent a total of 5 dispute letters to Experian ; I have attached 4 of the 5 certified mail receipts for support. Each time, they respond back stating that the accounts are verified. My issue is that my certified mail receipt shows that my most recent letter was delivered to Experian on XX/XX/XXXX at XXXX pm. I received a response dated XXXX to my dispute letter verifying all 11 accounts in question. There is absolutely no way that Experian did their due diligence on investigating these accounts in just 6 days. My disputes are justified and valid and they are obviously auto-verifying my information instead of doing an investigation on the accounts in question. Here is a list of the items in my letter delivered on XX/XX/XXXX : XXXX XXXX XXXX - # XXXX Reason : This account has a charged off status but XXXX XXXX XXXX XXXX still reporting a balance of {$7900.00} every single month. If the account is charged off, the balance reporting should be XXXX. Please delete this erroneous account from my report ASAP. 

XXXX XXXX XXXX - # XXXX Reason : XXXX is reporting that the date of first delinquency was XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX reports XX/XX/XXXX. Dont creditors send all 3 bureaus the same information? Please delete this inconsistent, inaccurately reporting account from my report. 

XXXX XXXX - # XXXX Reason : Account is reporting as a charge off but was settled. There is nothing more owed. Also, date of last payment is reporting differently between 3 bureaus ; Experian reports XX/XX/XXXX, XXXX and XXXX   report XX/XX/XXXX. This information is inconsistent and should therefore be removed from my report. 

XXXX # XXXX Reason : Account has been transferred to a collector who reports a balance which means this account should not be reporting. Please delete. 

XXXX - # XXXX Reason : Date of last payment varies across 3 bureaus which is inconsistent since creditors should report same info. This account should not be reporting. Please delete. 

XXXX XXXX - # XXXX Reason : Date opened shows XX/XX/XXXX but first reported shows XX/XX/XXXX. This makes no sense. How can an account report before it was opened?? Please delete erroneous account. 

XXXX XXXX XXXX - # XXXX, # XXXX Reason : These accounts are unknown. Please provide signed contract and/or application with my information on it or delete. 

XXXX XXXX # XXXX, # XXXX, # XXXX Reason : These accounts are unknown. The address provided by the company for when accounts were opened is also incorrect. Please provide signed contracts and/or applications with my information on it or delete.
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: TD BANK US HOLDING COMPANY (TX)

I pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card TD-BANK XXXX  AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called TD BANK AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING
Consumer complaint received 2018-09-19
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (IN)

1. There was a disbursement amount of {$5000.00} for XX/XX/XXXX was never paid to the school or to the borrower ( me ). Yet Navient/Sallie Mae has a financial record for that amount on my account. So that {$5000.00} amount is fraudulent, it is not a loan I received. 

2. On XX/XX/XXXXand many dates after ( see notes attached ) It looks like I made a payment of {$150.00} and Navient/Sallie Mae show that I was charged, on the same day, {$150.00}. So the record indicates that I was charged the same amount I was paid under the label of " adjustment ''. It was never made clear what that extra charge was actually for. 

3. On XX/XX/XXXX I was not attending school at all -- nor any other program, yet a disbursement shows up as me owing an ADDITIONAL {$30000.00} When I requested information about all of my original loan documents on XX/XX/XXXX, this " loan '' was not included. There is no record of where this money went or why it was added to my account. 

4. The information received from Navient/Sallie Mae was confusing and hard to follow. There is no way to follow what my actual total balance was. It lacks crucial details about how much is currently owed and where the totals are coming from. 

5. I believe that Navient/Sallie Mae misled me because none of the loan documents I signed originally included info about what interest would be required on the life of the loan ( s ).

6. I find that the Truth in Lending Act requires that a private loan holder that holds more than one private education loan for a borrower apply ANY prepayments on those loans FIRST toward any FEES due on such loans and then, unless the borrower states otherwise, toward the PRINCIPAL due on the loan that bears the HIGHEST interest. That was not done as my online account shows a record of payments made an the entire payment was applied to the interest only and/or payments were applied toward loans holding a lower interest rate.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

payment due on XX/XX/XXXX was submitted late due to mandate at work. I had no computer access and my bill was not with me. The payment was submitted the next morning at XXXX XXXX. The balance was XXXX. a payment was sent for XXXX .A late fee of XXXX was accessed when I sent a letter to see if they would waive the fee they refused.the balance left was XXXX which I paid and the XXXX card is no longer in service. they still want XXXX in late fees.this is XXXX 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: Professional Debt Mediation, Inc. (KY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX Professional Debt Mediation Account : XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX To whom it may concern, I am writing in response to your letter dated XX/XX/2018, copy enclosed. 
On XX/XX/2018 I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in Kentucky. 
I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond fully to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/XXXX. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX 

XXXX XXXX
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 — Account information incorrect
Company: RFNA, LP (MS)

My " OPEN '' trade-line with XXXX XXXX never gets updated unless a file a credit dispute with consumer reporting agencies. I submitted CFPB complaint XXXX, back in XX/XX/2018, because the trade-line had not updated in several months. Here we are again, several months later, and the trade-line has not been updated since I filed my last dispute back in XX/XX/2018. It seems that they have some sort of systemic issue, which prevents my information from reporting accurately to consumer reporting agencies. My balance is incorrect and date of last payment. According to credit reports I have seen, this trade-line was last updated in XX/XX/2018, again, is when I filed a complaint for the information not updating. XXXX is required to furnish accurate data on my account every month according to XXXX guidelines, and they are failing to do so. There appears to be a disconnect between XXXX XXXX, and CRAs, with respect to updating the trade-line in a timely manner.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

Well i'am trying to buy a home and all of sudden these people from Transworld Systems Inc. want to put a collection on my credit report XXXX XXXX XXXX ) a very old collection from 2013 or so i believe I never received a notice from them at all. I tried calling several times unable to get a hold of anyone. 

Its an old collection, reported as new, as said i called the number on the credit report and it wasnt accurate, found number on the XXXX  website, gave last 4 digits of my social, they could not validate the account. i also filled a complaint with XXXX   and they were unsuccessful in obtaining a response from the company. 

So i'am asking because they could not validate the account is there anyway i can request a deletion. My wife and I are having a very difficult time trying to get this matter resolved. Please any kind of help would be great.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

Experian Identity Works emailed me several alerts about my XXXX being exposed from the recent XXXX XXXX XXXX person data breach. In looking through the alerts from Experian, XXXX of the alerts showed my compromised SSN with the name and address of someone else, definitively not me. Since this information likely came from a credit application, I am concerned about fraud. The person named is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and there's a phone ( XXXX ) XXXX.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX {$300.00} payment told verbally that it delay XX/XX/XXXX!!!! 
XX/XX/XXXX {$500.00} payment has cleared but the card company has once again put my payment on hold with no explanation. They now have stolen {$500.00} for their use.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I accidentally incurred an overdraft on my checking account due to an error with a XXXX transaction. I was under the assumption that not being enrolled in overdraft protection would cause the payment to fail as it would with a debit card transaction. 

on XX/XX/XXXX the transaction completed and my account was left with a balance of XXXX. 
on XX/XX/XXXX a {$35.00} overdraft fee was applied to bring the balance to XXXX. 

On XX/XX/XXXX I became aware that my account had been overdrafted. I went to the local branch and stated that i would like to cover the overdraft amount and asked if there was anyway the overdraft fee could be waived. 

I was provided a customer service number ( XXXX ). I was told to call the number and they would waive the overdraft fee. 

When you call the customer service number there is an automated menu. At no time does this menu give you an option to speak to a live person. After a week of calling this number and trying EVERY menu option I found that pressing '0 ' TWICE would transfer you to a live person. If you press '0 ' once it reverts to the main menu, if you press '0 ' twice it connects to a representative. There is NO mention of '0 ' being a menu option at all. 

on XX/XX/XXXX I was finally able to talk to a representative. He said he could waive the original overdraft fee, but i would still be responsible for the two {$30.00} fees that occured in the time period that I was trying diligently to rectify the first fee. I told him this was not acceptable and I would like to close my account. In order to close the account I would have to bring the balance to zero. 

My balance is currently XXXX due to {$60.00} in fees incurred by the original overdraft fee which was waived. 

I then went back the the local branch and was told that I would be stuck with those fees. 

I think that it is ridiculous that the customer service number 's automated menu is intentionally obfuscated to the point that it does not have a straight forward way to talk to an actual person. It took me a week to figure out to press '0 ' twice, and in that week they want to charge me an additional {$60.00}.
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Property was sold via public auction while litigating with XXXX XX/XX/XXXX. 
Received notice case was squashed XX/XX/XXXX. 
Received email from OCWEN that my mortgage was paid on my behalf. 
Inquiries about who paid it and why, what happens to property title, and if there is any compensations, have been to no avail. 
What's next?
Consumer complaint received 2018-09-20
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. (AZ)

I am a victim of identity theft. My XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, UT XXXX Mastercard # : XXXX is lost/stolen. All of the transactions on the account is fraudulent and unauthorized. My entire credit limit of {$800.00} was used in a fraudulent manner.
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (OK)

This account was on my report years ago. I filed a dispute and it was taken off my report now after mysteriously after 3 years its back on my report. I asked several times for them to remove it because of it was a fraudulent and I asked them to send me a validation of the debt and they said they didnt have to send me anything by law.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Pacific Union Financial, LLC (CA)

Mortgage lien opened via refinance in XX/XX/XXXX. I had a chapter XXXX discharged in XX/XX/XXXX that had been open since XXXX. Pacific Union had been reporting it as current and open. Speaking with their servicing they said as soon as they received word of the discharge they would begin reporting to the bureaus. On XX/XX/XXXX I sent them a copy of my report as I was purchasing an investment property. I mentioned that although reporting the account as current there was no monthly activity being reported nor was the current balance being updated. I received a letter from Pacific Union indicated they had erred and would correct the mistake. In XXXX they reported the loan as closed and subject to a bankruptcy and refuse to correct the error. They sent me a nasty email saying it was not their obligation and the debt was not re-affirmed. Chapter XXXX bankruptcy does not require any re-affirmation of debt only a chapter XXXX does as was also conveyed by the previous servicing manager I had spoken to. The account is open and in good standing and has never been late and I would like such to be reflected on my credit.
Consumer complaint received 2018-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (LA)

XX/XX/2018 I was trying to pay my mortgage and was told that my mortgage payment had increased by {$800.00} I immediately called the mortgage company and was told that someone would get back to me, I have called almost weekly to this date I have asked for the Manager and was told that they were researching it but no one will return my calls or answer the line Im having to leave messages and the rep is having to email. I am currently behind on my mortgage because they will not except my payment unless it is {$2500.00} which I don't have, I am receiving collections calls, people are coming to my home leaving foreclosure pamphlets in my door and today I received a letter from a collections agency demanding payment in 30 days or foreclosure processing will start. Can you please help me I am a normal person trying to make it I can not afford for my mortgage payment to increase in this magnitude and I can not loose my home because someone did not do what there suppose to do as I have been doing everything I was asked to do and have not been late on my mortgage prior to this.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zip Co US Inc. (PA)

XXXX  ( ( Quadpay ) a online company with no phone number only chat or email response is taking XXXX dollars every 2 weeks for a item that was never purchased, I put a stop payment on funds, yet they changed amount and still collect from my personal bank account, they have refused to correct this for 30 days now