davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX sent me notice for a collection that I do not owe. I have been trying to contact them to resolve the debt and they have been extremely rude and will not help me. I need this removed off my credit, I do not owe this.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

I want to report an attempt to deceive me into signing a loan doc application on the pretense that I had a signature was " missing '' a place when I signed the original loan doc application which had all the correct agreed upon numbers for loan origination and processing fees with title and appraisal and other related closing fees. In the course of resigning the edoc to get a missing signature applied, I discovered my closing cost ballooned. An added {$5200.00} on line H borrower to pay, where it was XXXX in my original doc. After I brought this to attention of processer was told would check with loan officer and subsequently told this increase due to appraisal coming in lower. The fact that they tried to deceive me to sign this loan application with added cost by telling me a signature needed was missing is defrauding me by doing so. NOT GOOD! Needless to say I asked them not to contact me any further, days later received email from their customer resolution department. Informed them what happened and that I would report it to whomever would hear me, have not gotten a reply since, that was last week. 

Here are the particulars. Late XX/XX/XXXX early XXXX reached out to Caliber to re-fi my current mortgage with them after receiving multiple emails and flyers in the mailbox about no re-fi fees except appraisal and title, take advantage of Feds latest rate cuts. 
On XXXX, signed loan doc via edoc with XXXX XXXX with agreed rates and fees was told doc would be sent to underwriters. 

XXXX Provided income verification and ID docs to processor XXXX XXXX. 
XXXX through XXXX was sent various versions edocs from Caliber system to sign, noticed they did not match loan application signed on XXXX, contacted XXXX XXXX, told " not to worry, system does that, only to sign if asked by someone to sign '' From that point I heard from an appraiser set up appointment and appraisal doc notice was sent to me on XXXX. On XXXX received email from XXXX that a signature was missing and I needed to sign a doc to complete the application. 

Upon looking at the doc it was errant the loan amount, term and interest were wrong they were based on a competitor offer they received from me, it did not represent the terms agreed upon and initially signed on XXXX. Received apology from underwriter and new copy for me to sign was sent, that is when I notice the fee difference of borrower to pay {$5800.00} where the XXXX did not have but rate, amount of re-fi and 30 year team was the same. Only when I asked after being told to sign this new doc on pretense I was adding a missing signature to original was I told sorry your appraisal caused this. This is not acceptable business practice I almost was tricked into signing up for a loan on terms I did not originally agree too on premises I was completed what I did agree too, not good, not good at all.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (NV)

Ford Motors # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was removed.
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (WI)

I called on XX/XX/2019, I had got their info from making calls to see who had this debt. I have never heard from them on their own. 

I called and told the guy that I wanted to dispute the debt as the amount he said was not the amount I had owing. I asked him to send me documentation and he skipped right to trying to get me to settle the debt. 

He tried pressuring me into a payment, payment plain I knew I was not going to be able to keep. I told him this several times. 

He threatened me with it going on further to collections. Remember I as well recorded the call, I always do. 

When I again brought up wanting to see documentation, he talked around my request and just wanted payment. 


They were also informed in a email * contact form* that I wanted this information and they were also infomred they were not to call me, friends, family or at my work, or neighbors. 

They can email me at the email I gave them, but the documentation must come thru mail. I wantt a hard copy.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2016, I decided to purchase another vehicle from XXXX XXXX XXXX XXXX after a previous successful contract payoff of a XXXX XXXX. Due to my complications from the XXXX XXXX XXXX, we had fallen behind in payments, and the vehicle went into repossession. XXXX XXXX XXXX XXXX failed to notify me of the repossession to at least allow me to bring the loan current, and they never communicated with me a notice of collection or intent to report to the bureaus. Per the laws of the state of Texas and UCC along with Texas Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements. 

I have contacted XXXX XXXX XXXX XXXX, exercising my right to request proof of validity concerning information placed on my credit file. Since XXXX XXXX XXXX XXXX failed to provide sufficient documentation, then the recorded history is to be considered an infraction of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. 

I tried to deal directly with XXXX XXXX XXXX XXXX but failed to come to a resolution. I am seeking to take action per Texas Business and Commerce Code Sec. 9.5185 against XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I disputed what I believe to be an error on my credit report. It was referenced by XXXX no contact or account number and no contact information, It has been over 30 days and I had not received a response from the credit bureau so I called today XX/XX/2019 @ XXXX EST and spoke with " XXXX '' she states they have no ID number so I asked her location she replies off shore. She stated that the investigation was complete and that it stands on report as correct. I asked how can this be so I do not even know who the XXXX was and she says a collection company collecting a XXXX account. I told her I ha no dealings with XXXX nor do I have any with XXXX so I asked what proof was provided them to prove that this collection account is accurate and I insisted on resubmitting another dispute she said I had to call XXXX I told her I had not contact so he offered to give me their contact and I asked to speak with a supervisor and told her I wanted to file a complaint against the reporting bureau because of the nonchalant way I was being spoken to and the manner in which my dispute was handled she hung up. I have never done any business with either of these companies and this should be not be reported on my report with out physical proof of the claim of debt stated to the bureau by XXXX XXXX Transunion File Ref # XXXX )
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

As of XX/XX/XXXX i filed a bk chapter XXXX.I am in the second year making all my regular monthly payments and the court pays the arrears.Everything was going ok until Ocwen bought PHH. They gave my mortgage to be serviced by them a couple month ago..Now all of a sudden i was making my payments over the phone and had an online account.As of XX/XX/XXXX I no longer have an online account to see what i owe .I ask my attorney to send correspondence to let them know it is ok for me to discuss my mortgage with them.So i started calling asking what happened to my online account and if i can't see online, if they can send paper statements.They keep saying I am in bk so they can't do that, But for two years they were ok with it..I call and send emails everyday about my account .I ask to speak to a supervisor they keep saying he/she is busy they will call me back. Still nothing.Please help I have been fighting with this company for years and the attorney i have don't seem to be too interested in helping me.
Consumer complaint received 2019-12-11
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. (NV)

XXXX XXXX # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was removed.
Consumer complaint received 2023-02-25
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. (NV)

I contacted XXXX XXXX about this account reporting late when they illegally closed my account while it was current and never late. This account was closed without my permission for no reason of my own. The law states all information must report accurately otherwise be deleted. I plan on pursuing this account in small claims court I have records showing this account being closed I've never been late. I demand this account is removed from my credit immediately as it is reporting inaccurately showing late and I've never been late showing open when it was closed for no reason. When I spoke to the agent they immediately apologized for the status and said they would remove this status and were not able to provide the reason the account was closed. The only thing they mentioned was they sent me a letter to my old address asking me to verify my account I never received a letter so they closed my account and it was currently never reporting late ever in the 2 years I've had an account. 
I'm in the middle of purchasing my home and this incorrect information that is reported inaccurately is affecting my purchase remove immediately.
Consumer complaint received 2023-02-25
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. (OH)

I reviewed my credit report onXX/XX/XXXX at Transunion and seen I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX and Transunion. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.
Consumer complaint received 2019-12-11
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 (MD)

On XX/XX/XXXX, my credit card was fraudulently charged for a XXXX  purchase of XXXX. After which noticing, I contacted XXXX  and Capital One to resolve. Capital one issued a TEMPORARY CREDIT and XXXX  refunded the Amount. XXXX  refunded their authorization made on their end by another purchase on XXXX  for the same amount. Capital one reversed the temporary credit and I was left with a negative balance from having an over credit. I contacted Capital One and they sent me a refund of the credit minus the amount of a Hotel purchase that was on my card for $XXXX. On XX/XX/XXXX, I was charged again for the fraudulent purchase after which speaking to a billing specialist on XX/XX/XXXX and them reassuring that at that time, this was figured out. This is deceptive billing practices. I shouldn’t be made to pay for a transaction that I did not make
Consumer complaint received 2023-02-22
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. (GA)

Ive went over my credit report as i am trying to purchase a house and i have sent multiple disputes to this credit reporting agency, with whom are violating many consumer laws 15 U.S. Code 1681g - Disclosures to consumers, being XXXX & also 15 usc 1681 ( a ) ( 4 )
Consumer complaint received 2023-03-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc. (IL)

I have asked this company to close this account on numerous times for the past couple years and they will not close the account and report past due payments on my credit file. I was paying XXXX a month for nothing. That is why I asked the account to be closed with no luck, just keep withdraw from my account when they want too.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

While recently reviewing my credit report I noticed fraudulent and unauthorized activity.showing for a closed account for : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/2019 I did not authorize anyone employed by these companies to view my credit report or give any of my personal information to any third party. In addition, I did not give ANY Credit reporting Agency permission to furnish this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is a serious breach of my privacy rights. 

I demand that you, Credit reporting Agency, produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish info on my behalf. 
In the absence of any such documentation bearing my signature. I formally request for this fraudulent account to be immediately blocked and removed from the credit file that you maintain under my Social Security number Please note that you have 4 days to remove this account as it was opened through fraudulent activity and is a result of identity theft. I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX  demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation. 
I have contacted the company that is reporting this account as negative and they have also FAILED to validate this debt and show any proof that I owe anything or that you have the right to furnish this negative mark against myself. I am now notifying ALL parties involved in this matter this an opportunity to cure this matter before legal action will take place. 
Under 18 U.S. Code 894 XXXX XXXX XXXX XXXX and any other credit reporting agency dealing with this matter may be held criminally and civilly liable for conspiring to use extortionary means by reporting marks on my credit report that are not valid and therefore financially harming myself, the living man and beneficiary of this account.
Consumer complaint received 2024-02-21
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)

Remove this fraud account from my credit report because I reach out numerous times that this account doesnt belong to me you report the information is verify by the creditor but when I ask the creditor for proof they dont have any proof I sign any papers or my identity this account is open fraudulent XXXX XXXX  XXXX and I have the right to a fair and accurate credit report and this information and account is not fair and accurate 1681 permissible purpose they never receive any written consent from me to publish or report anything on my credit report they can not send any proof of that just some information that was open online by someone else
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (FL)

I went to buy a vehicle and the auto company submitted my loan application. A number of weeks later after the purchase I received a letter saying I was not approved ( I did get a loan but not thru this company ). They based it in Sage Stream LLC report. They gave me a much lower score than I had thru XXXX or XXXX. They said it was based on a number of factors : each one was excessively wrong- example : Length of residence too short- I have lived in the same home ( which I own ) for 11 years. 
Limited history for consumer at this phone : I have has the same phone number for 15 or more years, and although switched service providers that has been over a year and half ago. 
Ive read others have had similar experiences. Ive tried to call a number of times to request where they get their data from and to get a copy of my report. I have not reached them and have no reply from my voice mail left. According to their web site I would have to send personal information to them to get this report. All sounds like a scam. 
This letter talks about XXXX XXXX  from XXXX CT. It also said they could not get my XXXX  report- which I have a credit lock on it, which I removed for a day to accomplish this auto loan ( which did happen thru a different bank ) Please check out this company, and their letter, I must be some sort of scam. We all work hard to have acceptable credit and when told its half of what it is of course the urge is to respond to see what is going on.
Consumer complaint received 2019-07-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (NJ)

I graduated in 2016 with a degree in XXXX Studies. Since graduation I have struggled to pay the minimum monthly payments of around {$1200.00}. It has constrained me so much financially that I am unable to move out of my moms apartment, unable to relocate when offered by my company, unable to be independent for the foreseeable future and unable to contribute to the community and economy as a consumer or investor. It has severely impacted my mental well being to a point where I question the value or meaning of my own life if I can never get out from under this debt. I am in desperate need of relief from the monthly payments that disable me from financially investing in any other part of my life. My loan service company is Discover Student Loans. I have pleaded with this company, applied for hardship assistance ( a program which is only allowed per borrower a limited amount of times despite an unchanging financial situation ) and applied for consolidation, only to be denied the help I need or would otherwise not ask for. I want nothing more than to pay these payments on time and in full but I need HELP. I need someone to work with me. So I can actually live my life. Discover Student Loans is predatory, lacks empathy and does not care about the well being of their consumers.