davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

This is regarding COVID-19 I contacted Caliber Mortgage online and filled out their form for help during this time because of issues regarding Covid-19. They sent me a letter that seemed to want to deter me from this process. Threatening an increase in interest : " Please note : If you request a Loan Modification at the end of your Forbearance Plan, in some cases interest rates will increase " And worse yet should I not make my payments for the 3 month period as the Federal Government has made a provision for the 3 months plus XXXX ( so 4 months ) will be due on XX/XX/XXXX and then I will be in default and get foreclosed. 

This is not a benefit to consumers that are short money NOW and that money will not be created out of thin air in 3 months given that the government will not let us go to work! 

The government has told our tenants that we can't foreclose on them so when this is over they will just not have the money to pay us all the accrued rent that's past due and will be evicted and that money will never be seen again. 

I need a REAL SOLUTION. I need these payments put on the back of my mortgage without threatening me for higher interest rates. 

The Federal and my State government doesn't seem interested in ending this SHUT DOWN of AMERICA so we can't even work and earn a living. Caliber thinks that somehow, someday when we are allowed to leave our homes and get back to work that our pockets will fill up with past due income? IT WILL NOT. 

tHEY SHOULD BE OFFERING 6 MONTHS NOT THREE AND THIS SHOULD BE PUT ON THE BACK OF MY LOAN NOW. I LOSE ENOUGH SLEEP OVER THIS MESS I DID NOT CAUSE. I CAN'T EVEN SLEEP AT NIGHT AND THEN I GET THIS THREAT LETTER FROM CALIBER - AND I'VE NEVER MISSED A PAYMENT! 

" All suspended payments will be due on XX/XX/2020. '' " The total amount of payments temporarily suspended by this Forbearance Plan are immediately due and payable at the end of the Forbearance Plan. '' This is not a good deal. I'll lose my house because of the government locking me in my house. I TAKE CARE OF MY MOTHER WHO HAS XXXX AND NEEDS 24/7 CARE AND I CAN'T RISK BEING EXPOSED TO COVID-19. I DON'T WANT TO LOSE MY HOME OVER THIS PANDEMIC.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am writing to you because you are reporting collections on my credit report that I do not recall. Please see items listed below : XXXX {$590.00} CXXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX {$200.00} Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 


XXXX XXXX
Consumer complaint received 2021-10-14
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. (FL)

I saw checking my credit report and I saw that my credit score is very low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this
Consumer complaint received 2021-03-15
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: ONLINE Information Services, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I opened my account in the latter part of XXXX. I was never late on my account. I was contacted by Capital One in XXXX of XXXX and was told that my account was labeled as a fraudulent account. I had never been late and I never complained about any unauthorized purchases, so I was clueless as to why my account was deemed fraudulent. The account was deleted from my report. Capital One later put it back on my report and they then gave me a different account number. I called Capital One back in XXXX and they told me that they would be sending me a new statement. I received the statement at the beginning of XX/XX/XXXX and paid the account completely off on XX/XX/XXXX. They would not accept my online payments due to the account being labeled as fraudulent. I was never late on this account. Capital One stated that this account was labeled as fraud by XXXX  and that they had to do what the bureau said to do. I need my account to show never been late or I will definitely be getting legal representation. This is absurd.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-04-09
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. 

XXXX XXXX XXXX {$18000.00} XXXX XXXX   XXXX {$650.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX  XXXX {$470.00} BANKRUPTCY   XXXX {$0.00}
Consumer complaint received 2021-10-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

On or around XX/XX/2021, I recieved a call from my now ex-wife saying that she wanted to buy a car and all she needed was was my paystubs to get it. At first I was skeptical but she explained to me that everything would be alright. At first I didnt know too much about credit as noone had ever taught me anything about it. I had no idea my own ex would scam me into to sending info about work information. It wasnt until about XX/XX/XXXX when I checked my credit and noticed a missed payment from the company known as Credit Acceptance. I had them send me login information based off a past loan I did with them and it says I was on another loan as buyer of the car along with the co-buyer XXXX XXXX which is my ex 's mother and someone I am not affiliated in any kind of way with. The name of the car dealership New Jersey XXXX XXXX XXXX. I dont even drive the car and im being hel responsible for something I never was even present to sign for.
Consumer complaint received 2021-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am contacting CFPB for the third time due to issues that I am having with SunTrust bank. My latest issues are as follows : First, I requested that SunTrust Cease and desist from sending persons to my home to invade my privacy and harass my family. In my complaint in XX/XX/XXXX ( complaint # XXXX ) I specifically asked SunTrust to contact me via e-mail, phone, US Mail, but not in-person. On XX/XX/XXXX, I submitted another complaint ( XXXX ) after an agent came to my home snooping and taking pictures through my blinds. The representative went ahead and placed a cease and desist for ALL COMMUNICATION on my account! In my feedback, I specifically stated I did not request a cease and desist to all communication, just in-person. However, I have not heard from SunTrust regarding a resolution to this issue. 

Second, In my last complaint ( XXXX ) I stated I was overcharged around {$1600.00} by SunTrust. The representative stated it was because I was also billed for XXXX on XXXX 's billing statement. This has NEVER happened before. However, I received XXXX 's statement and, as I suspected, the charge was not related to me being billed for XXXX XXXX see attached ). I should only have a total of {$12000.00} for the time I've been in the forbearance program. I am overcharged and SunTrust is trying to avoid an explanation for the additional charges. The rep 's reason for the additional charge was debunked by XXXX 's statement. I have not paid for 8 monthsXXXX = {$12.00}, XXXX and not {$14000.00}.
Consumer complaint received 2021-10-14
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. (NY)

I sent out a letter with disputes to this credit bureau on XX/XX/2021 and again in XX/XX/2021 and the outcome from the credit bureau has been to update information on my credit report when they should be removing the tradeline for FCRA non-compliance.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I had a credit card account with XXXX XXXX XXXXXXXX XXXX. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXX XXXX The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. 

Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. 

I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. 

The items I cite as being violations of the FCRA are -posting the high balance ( 813.42 ), which is higher than the collections representative had me pay ( 81.34 ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported.

Furthermore, there are 0 sections in the FCRA that prohibit deletion.

I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Hello My name Is XXXX XXXX phone Number XXXX. I paid my Balance in full with Bannana Republic. On XX/XX/2020 I called syncronXXXX bank to payoff my loan with Banna republic. The Automated system quoyed me a balanced owed of XXXX amd it didnt state there would be addtionalnfees based on the close off the billing cycle. XXXX informed me on XX/XX/2020 that the account had a remaining accrued interest of XXXX. I askes him how the interest gets chaged and asked for clarification on the interest is determined. He refered me to the terms and conditions. Iblet him know they didnt have information on how the account accrues interest or how its calculated. He offered to send me to a customer service agent since he cpuldnt explain it. He also informed me my account gained interest on top of interest. They waived it but refused to help me removed the 60 day past due status on my accountm my credit dropped 34 points because of XXXX The system didnt inform me off. Can you please help me obtain clarification on how the account accrues interest and look into the accountbgaining interest on top of interest? Finally they closed my previous account due to the same reason. Im concerned it will happen again. They damaged my credit in the past and hurt my credit worthiness for this same scenariob. Please help.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (HI)

On XX/XX/2021, I rented a car from XXXX. When I arrived at the car rental building at the XXXX XXXX Airport, the usual office where one would fill out the paperwork to rent the car was closed and there was a sign on the window directing me to go upstairs to the XXXX kiosk on the second floor. So thats where I went to get my car. 

I signed the contract for a XXXX XXXX. The rental agreement had an estimate of {$350.00} with a deposit on my Chase card for {$420.00}. I signed the tablet and went on my way. I returned the car on XX/XX/2021 and assumed all was well. 

On XX/XX/XXXX, I noticed that my card was charged XXXX. - four times the amount of the estimate. I called XXXX that day and was told they would look into it and call me back in two to three days. No call. I called again on XX/XX/XXXX and was told I rented an exotic car and that was the reason for the higher amount. A XXXX XXXX is not an exotic car. 

I then called Chase Member Services and they put a hold on {$1200.00} - the difference between {$1600.00} and the estimate at {$350.00}. They sent me a form to fill out and fax back to them which I did on XX/XX/2021. I also sent a copy through regular mail. 

On XX/XX/XXXX, I called Chase and was told that the documents had arrived and that I would hear from them in 72 hours. I received a letter via the Chase website letting me know that this was being researched. 

On XX/XX/XXXX, I received another letter from Chase stating that my claim is denied. The letter was 24 pages long and contained the final billing from XXXX. I called Chase and was told that I needed to respond by letter to reopen the investigation. 

On XX/XX/XXXX, I emailed and faxed a letter to XXXX and Chase Card Services. I am now awaiting a response.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I requested merchant information from bank and they have no information on merchant. I filed a claim twice and reported debit card lost. Bank is denying my claim based on someone having used my pin possibly being written on my debit card. Bank can not verify transaction was authorized and can not verify merchant exists. 
They did try to find the merchant either
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the address XXXX XXXX XXXX 
There is no such address and this isn't an apartment! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

delete the inquiries!
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2020-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I began repaying my student loan in XXXX with Navient. I specifically requested payment towards the Public Service Loan Forgiveness Program. I was placed on a graduated repayment plan which does not qualify towards the PSLF. It was not until XXXX ( XXXX XXXX later when I began inquiring about my payoff date balance with the ONLY company that processes PSLF- FedLoan ) that I was informed that those three years of payments XXXX would not count because it was under the wrong payment plan. I transferred my loans to FedLoan in preparation for payoff ( the only company that processes PSLF ) and they are not counting those three years and $ XXXX ( It took them three years and nine months to evaluate my payoff date ) only to find out it " does not count ''. This seems criminal to me and I would like to know if I can benefit somehow from the lawsuit where they found that Navient who was my student Loan holder neglected to give me the correct payment plan information ( which was one of the charges in the lawsuit ) and as a result has provided a financial hardship for me. Instead of having three more years before payoff I am now facing six more years. Please help!
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect entry on my credit report.
Consumer complaint received 2023-02-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account for its misleading report, It is not authorized to fail to validate this reporting account as unverified information without providing any proof. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$1600.00} This complaint is a follow-up in line with my previous complaint dated XX/XX/2023 2023