davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

This loan is in foreclosure, and the homeowner had successfully completed a HAMP Trial Plan with the servicer XXXX, making her 3rd payment on XX/XX/XXXX. The servicer then changed to Caliber. On XX/XX/XXXX we received the permanent HAMP modification, however, while the trial payments were for {$1400.00} per month, the permanent mod payments in the first version of the modification we received were for {$1900.00} per month. We pointed the discrepancy out to Caliber 's attorney on XX/XX/XXXX. Three weeks later we received the revised modification agreement with the corrected monthly payment, on XX/XX/XXXX. The agreement stated that it was to be returned by XX/XX/XXXX, essentially giving us just one business day, which was the Friday before XXXX. XXXX was out of town for the holidays and we sought clarification regarding an ambiguous instruction on the modification, for which we received clarification on XX/XX/XXXX. We sent the signed, notarized agreement out that same day ( XX/XX/XXXX ) and Caliber acknowledged receipt the next day. Nearly four weeks later, on XX/XX/XXXX, we were notified that the date was missing on the signature page of the agreement, and that we should re-sign and re-send. Four business days later, on XX/XX/XXXX we sought clarification as to where to send the corrected modification. Caliber 's attorney replied that same day and the corrected modification was sent out the next day. Caliber acknowledged receipt of the corrected modification on XX/XX/XXXX, just four days after Caliber 's attorneys provided clarification as to where to send it. On XX/XX/XXXX, we were informed by email from Caliber 's attorney that the modification was cancelled because the homeowner " failed to execute and return the agreement ''. Caliber 's attorneys also stated that HAMP would no longer be available to the homeowner We believe that timeline speaks for itself. The initial delay was primarily caused by Caliber incorrectly calculating the initial final modification, which they then had to revise. Subsequently, it took Caliber nearly a month to inform us of the missing date and the need to re-execute, which we did promptly. Punishing the borrower for this delay by revoking the HAMP modification and taking the position that it is no longer available is completely unfair. Please help us with this matter, the borrower is terrified that she is going to lose her home. 

Thank you for your time.
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (PA)

I have owe XXXX on my XXXX XXXX, have messaged them and called them and getting no ware. My credit has dropped from XXXX down to XXXX. I have been making payments early each month and suddenly my credit score dropped and they are telling me I am not paying the full amount each month. I am requesting to have this interest rates lowered and the fees taking off immediately. I am not at all happy, struggling financially, in low income housing, had to apply for medical assistance and food stamps. I pay my bills all early and now XXXX messed up my credit score. I am not happy at all with them and need to speak to someone on this issue please.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (FL)

I have been pursuing a portion of the settlement agreed to by Wells Fargo and you, the CFPB since XXXX of XXXX. I submit q complain, you forward it to them, they " investigate '' ( them selves ) and find no wrong doing on their behalf, and the complaint gets closed. 
Wells Fargo continues to play XXXX, and refuse to provide information regarding their operations and administration of the settlement. Even after I've provided documentation to them and you, showing they misled and withheld information regarding a mortgage modification in XXXX. 
Now, you are once again investigating the bank regarding " equity stripping '' on mortgages. How long will you allow this dirty bank to continue to operate. They have been party to numerous investigations and found guilty of many, and settled others. Please get to the source, and make them pay what they owe to the consumers they robbed. and/or put them out of business. They are exactly what is wrong with our banking system. And at this point you are enabling them, so you can continue to fine them, and receive settlement $ $ s.
Consumer complaint received 2021-12-20
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2023-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (LA)

My credit score has jumped up XXXX points putting my credit report XXXX XXXXXXXX they dropped it down to XXXX, this is fraudulent because XXXX never contacted me to confirm that the debt was mine. I have never heard of the company, never had a contract with the company and I need these derogatory statements off of my credit. this is using XXXX of law to discriminate against consumers. Also the name that the debt collectors is using is copywritten and they are violating copyright infringement law.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date ofInquiry : XXXX ; XXXX Of XXXX Date of Inquiry : XXXX ; XXXX Bank Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NC)

I started a business account with Truist bank XX/XX/2023 I've had a total of 2 check deposits with one not being honored because it is a large lump some. The check was cleared by the issuing bank XXXX XXXX XXXX XXXX I waited the 7days needed since I was a new account and in result they are still holding the released fund from the other bank and closing my account because I asked for answers, Truist is the worse bank EVER and any companies/businesses looking to open an account with them should beware.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Neon Newco Corporation (NY)

( 1 ) Id like to know why the company blocked my card Thursday XX/XX/XXXX and whether this really was to verify suspicious activity or to play for time while they decided what the available balance should be and frustrate purchases denying access to my funds. Its noted that the company took approx 6 days to restore access to their online banking portal then claimed their concern was an attempted XXXX purchase. Whats suspicious about a sandwich purchase? 

( 2 ) Has the company been exchanging and/or receiving information about me including accounts and requests from XXXX XXXX , an unaffiliated company and why do they not respect consumer privacy? 

( 3 ) The company marks debits as pending while they make those funds immediately inaccessible to the consumer so the transaction are processed for the purpose of reducing the available balance. However, when they deem credits to the account as pending they treat these incoming funds as inaccessible and not posted for several days again, reducing the available funds in the account. Therefore their treatment of the term pending is misleading, inaccurate and seems intended to deny me access to funds in the account at every opportunity. 

( 4 ) Per my first complaint via the XXXX to the company, their representative XXXX in the Corporate Office has never answered the phone. She indicated again XX/XX/XXXX that she would call today XX/XX/XXXX but I waited for the entire day and she neither called nor answered the phone at the number provided when I tried to reach her. The company therefore shows no genuine interest in making this right, addressing the issues or compensating me for inconvenience, breach of privacy and misleading information.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-12-21
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. (NV)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (MD)

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have no knowledge of this account
Consumer complaint received 2022-12-09
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my Rights
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I had recently opened up a new account and was expecting my direct deposit from my employer the USPS but instead Im getting a email about them closing my account due to fraud. They put a block on the acct and refuse to send my funds that is in my account. My deposit date was XX/XX/2023, in the amount of {$1200.00}
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CA)

On XX/XX/XXXX, I saw that I had received a derogatory mark on my XXXX and XXXX credit reports for a debt sent to collections owned by Wakefield & Associates. 

The status is : " Collection account. {$640.00} past due as of XX/XX/XXXX. '' I also see " Status Updated : XX/XX/XXXX '' on my report. The report from XX/XX/XXXX was the first time I heard anything regarding this debt collection or anything of Wakefield & Associates. My credit card company is the XXXX who notified me, bringing my attention to a new account on my credit report ; I have still never been contacted by Wakefield & Associates or the original lender themselves. 

I have disputes with XXXX and XXXX for this reporting, but XXXX has " validated '' my debt with Wakefield & Associates, without providing any supporting documentation or evidence ( XXXX dispute is still in process ). XXXX has no record of this collection. 

I have never received communications from Wakefield & Associates, via phone, email, or letter. I did not receive a debt validation letter or a notice that I owed money prior to them appearing on my credit report. I have never heard of either Wakefield & Associates or the original creditor, XXXX XXXX XXXX XXXX XXXX, which appears to be based in a state I have never been to. 

I have been at my current address since XX/XX/XXXX, and have access to mail sent to my last residence as well ; I have not received any notices pertaining to this debt. 

Regardless of whether or not this debt is mine, Wakefield & Associates did not satisfy their statutory requirement to give notice and perform due diligence in attempting to contact me and either receive payment or allow me an opportunity to dispute the debt. They have caused undue hardship in the form of a hard derogatory mark to my credit score without giving me an opportunity to rectify the situation, either through payment ( if the debt is valid ) or dispute ( if it is invalid ). 

Additionally : If this debt is mine : XXXX XXXX XXXX XXXX XXXX also did not communicate with me before sending me to collections. 

If this debt is NOT mine : I do not believe XXXX properly validated the debt, as they did not have any information or proof for me confirming the debt is in fact mine, and they have extended the process of this unnecessarily. I do not yet know the results of the XXXX dispute but expect similar results.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (IL)

XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account. Attached is the FTC Report, Police Report. This has been submitted over to a collection agency which I have no knowledge of CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I was coerced to sign the credit card agreement under duress. Due to urgent health matter. This was through a dental procedure which was incorrectly done. And was charged XXXX via Care credit. This dental office is called XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. And my dental insurance told me. They are not affiliated with my union.
Consumer complaint received 2023-06-12
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. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.