davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc. (MI)

Complaint, XXXX and XXXX to Caliber Home Loan, inc and servicer XXXX XXXX XXXX who conducted escrow reviews for my property All questions below are based on my research and official responses from HUDXXXX XXXX who has no records about Calibers servicing activities and responses to my FOIA requests by USPS who disclosed real identities of the mailers who used Calibers letterheads On XX/XX/XXXX my alleged Lender XXXXXXXX XXXX XXXX XXXX transferred allonge to my Note to Caliber Home Loan Caliber On XX/XX/XXXX law firm XXXXXXXX XXXX XXXXXXXX forwarded me from unidentified sources a new, undated allonge to my Note from some Loan Seller to Caliber, which appeared for the first time Please disclose full name and contact information ( full mailing address, phone, fax and email ) of the Seller for loan XXXX and the name of its individual employee who was handling this sale. 

Please disclose the name of the buyer of loan XXXX, its full contact information and the name of this buyer individual employee who was responsible for purchase of my loan Please disclose the date of sale of my loan Please disclose the place of sale of my loan Please disclose the amount paid for my loan by the buyer, in XXXX XXXX XXXX Please provide me a copy of receipt for this sale such as wire transfer, cancelled check, ACH Please provide me a copy of the accounting ledger where my loan was recorded as an asset after this purchase Please provide me the place and the name of custodian for my original promissory note between XX/XX/XXXX through XX/XX/XXXX Please confirm that during all time in question, Caliber claims to be a Holder in due course for my note because Caliber paid for my Note and Mortgage On or about XX/XX/XXXX I received a letter mailed to me by XXXX XXXX XXXX XXXX XXXX  informing me about transfer of servicing to Caliber Please explain who authorizedXXXX XXXX XXXX  to send me this letter of servicing transfer During all time in question ( XXXX XXXX XXXX ) all my payments were collected by XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please explain why XXXX XXXX collected my payments if Caliber claimed to be a servicer for my loan. Please disclose who authorized XXXX to collect my payments, and the name of an individual who authorized XXXX During all time in question my property taxes were paid by XXXX. 

Please explain why XXXX paid my property taxes if Caliber claims to be a servicer. Please disclose who authorized XXXX to pay my property taxes and the name of an individual who authorized them During all time in question my escrow reviews were conducted by XXXX XXXX XXXX Please explain why XXXXXXXX XXXX XXXX conducted escrow reviews for my account if Caliber claims to be a servicer Please disclose the name of individual at Caluber who was responsible for escrow reviews and who authorized XXXX XXXX XXXX to conduct these reviews I reserve my right to request more disclosures after Caliber and XXXX respond to my XXXX
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 XXXX
Consumer complaint received 2022-03-23
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. (AL)

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Consumer complaint received 2023-02-08
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. (IL)

XXXX XXXX XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also XXXX XXXX as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (OK)

On XX/XX/XXXX, I rcvd an email that my CREDIT KARMA account was temporarily suspended and they would let me know why in a separate email. On XX/XX/XXXX, I received an email that said my account was closed. I contacted them via phone and chat and was told my account was suspended not closed. I supplied the with the email that said it was closed on NUMEROUS occasions. I requested they just close it then and send my my funds. You can not speak with ANYONE directly about the account. There is a " higher up '' dept that is supposed to reach out to you. I have contacted them no less than XXXX times since XX/XX/23 with NO RESOLUTION or RESPONSE from the " higher up '' dept. I have only been told MULTIPLE times that my ticket has been escalated and is under review. I just want them to issue a check to me via USPS mail for {$350.00} and we can be done with this.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The company listing below unlawfully disclosed private, personal, confidential information to Consumer Reporting Agency. violate the FCRA privacy Company : XXXX XXXX XXXX Account # XXXX Reporting date : XX/XX/2019 violated the 15 U.S.C 1681 share my personal information without my consent An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully. 

" Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 3 ).
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (TX)

The car dealership was not given permission to run my credit no more than one time. They ran my credit numerous times without my permission. 

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 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 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 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 2022-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MO)

I, XXXX XXXX am speaking for myself in this claim. CREDIT COLLECTION SERV is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. this negative reporting on my credit report has cost me securing a new car. CREDIT COLLECTION SERV is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to CREDIT COLLECTION SERV for whatever the reason, I have include, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will full exercise my rights and seek remedy in full.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have XXXX accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-20
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (MO)

I, XXXX XXXX am speaking for myself in this claim. SUNRISE CREDIT SERVICE is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. this negative reporting on my credit report has cost me securing a new car. SUNRISE CREDIT SERVICE is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to SUNRISE CREDIT SERVICE for whatever the reason, I have include, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will full exercise my rights and seek remedy in full.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 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 2022-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

I transferred {$800.00} to a family member using Venmo. We were charged for the transaction. Venmo implied this should have been free. I submitted a ticket and tried to follow up but all the links were broken.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (OH)

I am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXXXX/XX/2022
Consumer complaint received 2022-03-23
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: Affirm Holdings, Inc (GA)

I paid a department or company they had collecting on debt to resolve matter. Paid in XXXX said company said they sent update to company on XX/XX/24 and they still reported as a collection on XXXX snd eXXXX like I still owe them
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Back earlier this year, a company withdrew money from my account, realized their mistake and returned the full amount to my account. The bank still charged me an overdraft fee and added interest and now the bank just messed up my credit score and still want full payment. I feel that why do they get to mess up my credit, get paid in full, and then it takes my credit forever to repair. That should not be allowed, thank you.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist financial bank is holding {$3500.00} from my XXXX after a closed account that they have yet to give me a reason for. Both checks equaling this total that were deposited into the account before it was closed have been confirmed to be legit, with the vendors in question going out of their way to provide me proof of cleared checks. Truist has told me their process for review is complete, while XXXX XXXX informed me that Truist never even contacted them to confirm/dispute the check. 
Im ready to push this as far as I need to.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. ()

I am looking to apply for a credit card with Chase and all my accounts were closed 10 years ago by the bank. 

Please let me know if they will process my credit card application, since all my accounts were closed by them in 2015 for now reason.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CA)

I was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX Mos. ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by XXXX XXXX Closed : XX/XX/XXXX Inquiries : XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Places for Collection Original Creditor Name : XXXX XXXX XXXX XXXX Closed : XXXX XXXX
Consumer complaint received 2020-02-25
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. (TN)

I have tried to resolve this matter with the creditors but i have not had any luck. The following accounts are not mines : XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2024-02-20
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. (FL)

XXXX, XXXX, Experian are reporting incorrect information my credit reports. I have asked them to removed these items off my report and are refusing to do so. I did not open these account and I have no choice to report these issues because I'm a victim of identity theft.
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Financial, Inc (MI)

ComplainXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and servicer Fidelity National Financial who conducted escrow reviews for my property All questions below are based on my research and official responses from XXXX XXXX who has no records about XXXX  servicing activities and responses to my FOIA requests by USPS who disclosed real identities of the mailers who used XXXX  letterheads On XX/XX/XXXX my alleged Lender XXXX XXXX XXXX XXXX transferred allonge to my Note to XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX law firm XXXX and XXXX forwarded me from unidentified sources a new, undated allonge to my Note from some Loan Seller to XXXX, which appeared for the first time Please disclose full name and contact information ( full mailing address, phone, fax and email ) of the Seller for loan XXXX and the name of its individual employee who was handling this sale. 

Please disclose the name of the buyer of loan XXXX, its full contact information and the name of this buyer individual employee who was responsible for purchase of my loan Please disclose the date of sale of my loan Please disclose the place of sale of my loan Please disclose the amount paid for my loan by the buyer, in XXXX XXXX XXXX  Please provide me a copy of receipt for this sale such as wire transfer, cancelled check, ACH Please provide me a copy of the accounting ledger where my loan was recorded as an asset after this purchase Please provide me the place and the name of custodian for my original promissory note between XX/XX/XXXX through XX/XX/XXXX Please confirm that during all time in question, XXXX  claims to be a Holder in due course for my note because XXXX  paid for my Note and Mortgage On or about XX/XX/XXXX I received a letter mailed to me by XXXX XXXX XXXX XXXX XXXX  informing me about transfer of servicing to XXXX  Please explain who authorizedXXXX XXXX XXXX  to send me this letter of servicing transfer During all time in question XXXX XXXX XXXX XXXX XXXX all my payments were collected by XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX TX XXXX XXXX Please explain why XXXX XXXX collected my payments if XXXX  claimed to be a servicer for my loan. Please disclose who authorized XXXX to collect my payments, and the name of an individual who authorized XXXX During all time in question my property taxes were paid by XXXX. 

Please explain why XXXX paid my property taxes if XXXX claims to be a servicer. Please disclose who authorized XXXX  to pay my property taxes and the name of an individual who authorized them During all time in question my escrow reviews were conducted by XXXX XXXX Fidelity Please explain why XXXXXXXX XXXX XXXXFidelity conducted escrow reviews for my account if XXXX  claims to be a servicer Please disclose the name of individual at XXXX who was responsible for escrow reviews and who authorized XXXX XXXX Fidelity to conduct these reviews I reserve my right to request more disclosures after XXXX  and Fidelity respond to my XXXX