davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
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. (LA)

On XX/XX/XXXX XXXX XXXX Placed an unauthorized inquiries on my report On XXXX XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my report On XX/XX/XXXX XXXX  XXXX XXXX  placed an unauthorized inquiry on my report On XX/XX/XXXX XXXX XXXX placed an unauthorized inquiry on report On XX/XX/XXXX XXXX XXXX  XXXX XXXX placed an unauthorized inquiry on my report
Consumer complaint received 2018-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (WI)

My mortgage servicer Caliber is making false and fraudulent claims to me, to Congressman XXXX XXXX 's office and also to your agency. I filed a complaint against Caliber relating to my FHA mortgage loan a few weeks ago. Caliber says one thing in the letter, but the reality is something different and their agents tell an entirely different story. The bottom line is that Caliber has continually refused to conduct an ACCURATE review of my household 's entire financial circumstances and instead puts together bits and pieces. They claim transparency yet never disclose the figures that were used in their calculations. I work full time, my husband works full time and contributes 100 % of his income and my son receives SSI as well. Caliber 's claim that there are not any FHA homeowner assistance programs that we qualify for is demonstrably false. The numbers don't add up, the math just does not work, and I know that there are options such as partial claim or repayment plan that they don't even address, besides loan modification or special forbearance. Their response reaffirms all of my claims about their obstruction of this process. I am being denied access to government programs that should be made available to homeowners in my situation. 

After filing complaints against Caliber with your organization I was finally able to get someone to pay attention to me. I was told on XXXX XXXX that they were willing to review me for a modification, and I quickly got all of my paperwork together and sent it in. Just a few days later I was told that now Caliber was REFUSING to review the information because I had a sale date on XX/XX/XXXX. Why would their agent tell me that I should hurry to get my information in for a review and then once they have it refuse to even look at it? 

When it became obvious that Caliber was hell-bent on selling my home and not giving me a chance to resolve this matter I was forced to file bankruptcy. Amazingly, they begrudgingly agreed to begin working on my file again. However, I once again ran into issues as their agents were falsely claiming that many documents were missing. I got on the phone at XXXX XXXX XXXX and spoke with XXXX. After a very lengthy phone call and a heated discussion she went through all of the uploaded documents and found that ALL of the requested documents were there. 

This company is a joke. XXXX is deliberately denying access to programs such as loan modification, partial claim, special forbearance and repayment plans. We have more than enough income to qualify for one of these programs, but they are more interested in foreclosing and cashing in on the insurance. That is not going to happen, we already have HUD investigating their servicing practices.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

XXXX XXXX XXXX DBA XXXX XXXX. 

Three months in a row they have charged me a {$99.00} late fee saying they have received my payment late. Each time I mailed my payment out with plenty of time to arrive before the XXXX of the month. 
This month I put my check in the mail on XX/XX/XXXX. They say they did not get my payment until XX/XX/XXXX. I am mailing my check from XXXX XXXX CA and their processing center is in XXXX XXXX XXXX XXXX CA. That is about 15 miles away. There is no way it took 12 days to receive my payment. I have a feeling I'm not the only one they are pulling this on. Tacking on an additional {$99.00} on to thousands of customers seems like a great way to make some quick cash. 
Please look in to this, I seriously think they are defrauding a lot of people using this method. 
Thank you.
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NH)

I opened accounts with the bank on XX/XX/2020. I opened a business account with a deposit of {$10000.00}, written off of a XXXX  XXXX XXXX account. I also opened a personal checking account with a {$4000.00} cash deposit. Sometime around XX/XX/2020 I received a call from the branch manager XXXX XXXX who informed me that the bank has closed my new accounts and I will have to wait for the deposit to clear from the business account and that a check will go out for the personal account, since it was opened with a cash deposit. I am still waiting for my {$14000.00} and no one can tell me where the money is. I was told by XXXX that they were sent XXXX  but he was not allowed to get tracking numbers. Then he told me they were sent USPS but he still can not get a tracking number. Here is the text from his email from XXXX " Hi XXXX, I tried to give you a call after I got off the phone but didn't get an answer and im going to be with customers the rest of the afternoon. But I wanted to get back to you with the information I do have. Our Mail goes to a Sorting center in NJ Your package was sent out on the XXXX of XXXX the day after the big snow storm and the tracking information says it arrived on Tuesday the XXXX. From there it was mailed out directly to you. Unfortunately I do not have any other information at this time except they are on their way to you. And should be there shortly. I know USPS is having a lot of short staffing issues but they are on their way. Thank you, XXXX XXXX '' So in the meantime, I am missing {$14000.00} and no one knows where it is.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

CHASE Bank closed my Credit Card account, and the reason they did was due to non-payment. My bank said CHASE bank never attempted to withdraw a payment from my account. I asked CHASE bank to provide me a letter of the checking account they tried to withdraw from, and they keep giving me a run around. I need this to provide to my bank, and also it hurt my credit report, and I am in the process of purchasing a home. 

They will not have a Manager call me. They don't have supervisors to speak with. They let you speak to people that don't have any knowledge how to repair the problem.
Consumer complaint received 2020-12-28
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. (MS)

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 Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.
Consumer complaint received 2020-12-28
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. (MS)

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 Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

JOINT MEDICAL COLLECTION? WHAT? FOR {$2800.00}??? 
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-12-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2020 I was charged {$670.00} for an appraisal fee. In the documentation it does not say I will be charged regardless of the appraisal takes place or not. I did not request it to be canceled as it could be transferred to a new lender under FHA protocols Bank of America canceled my loan application due to bias information that was conveyed to the underwriter from the lending agent XXXX XXXX NMLS : XXXX and now they are refusing to return the full fee. I have written documents that do not say i will be charged regardless. This is miss information on Bank of Americas part and i want to be compensated for the turmoils created by the company.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to TransUnion my XXXX XX/XX/XXXXstatement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XXXXXX/XX/XXXXChecking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XXXX XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 TransUnion refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of the FCRA.
Consumer complaint received 2020-12-29
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. (TX)

I request written proof that XXXX XXXX XXXX XXXX had permissible permission to access my credit report in XX/XX/2017 for auto loan # XXXX per the FCRA. If XXXX XXXX XXXX XXXX claims this is a duplicate complaint, then I request they resend the copy. I expect Experian and XXXX  to send me a copy of the permissible purpose when they receive from XXXX XXXX XXXX XXXX 's investigation. Please do not say you have investigated this several times and need additional proof. Just send copy of the permissible purpose. I am tired of reading form letters and rhetoric. Again it is very simple, XXXX XXXX XXXX XXXX, Experian, or XXXX  need to send me copy of the permissible purpose to access my credit in XX/XX/2017 for XXXX XXXX XXXX XXXX 's loan # XXXX. Experian, XXXX, or XXXX XXXX XXXX XXXX do not need 30 days more, or 45 days more, or 60 days more because you have had years to investigate a simple matter, written proof of permissible purpose. Enough is enough!!!!
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was incarcerated from XX/XX/XXXX-XX/XX/XXXX, ten ( 10 ) yrs. While incarcerated, my identity was compromised. I found this out upon release through credit reports from XXXX, XXXX  and XXXX. After due diligence on my part, multiple accounts were deleted from my report from several different merchants. Three ( 3 ) accounts were with Capitol One in XXXX, XXXX  and XX/XX/XXXX, a account for each month. After speaking with the fraud department and complying with requested information to prove my I.d . and innocence, two of the three accounts were declared fraud. One was not and several factors contributed to the inaccurate " validation '.

One being that the monthly payment from Capitol one was paid by a bank in Kansas. I asked which bank and was denied the name multiple times until someone disclosed this to me. I called that banks HQ and was provided a statement PROVING I had never had any interactions with them in any capacity and Capitol One refused to accept this stating its a civil matter now and that I've exhausted my investigations with them. Stated that I, m stuck with a {$1200.00} debt. 

Two was that a cell-phone number and address was linked to the account. I provided proof of my incarceration by a signed letter from a credible employee of the State of Indiana stating I was where I was during the fraudulent activities. My address in at the correctional facility does not come close to comparing with any address they had on their file. Starting with just the state and zip code. It is well known that prisoners are not permitted to possess cell-phones so i have no clue how that made ANY sense. 

Every " link '' Capitol One had was disputed with irrefutable-tangible proof and still they found no signs of fraud. Three accounts created back to back, two fraud, one is not. This wreaks fraud! I emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve this simple issue, all to no avail.
Consumer complaint received 2020-12-29
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 reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Experian has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Experian refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (OH)

( " He '' is a general " Wakefield he '' throughout. ) I am not the professional. I could be wrong but my report and his/my line item ( s ) make me squint. 
In Summary : I can look back now and see the same account he's reporting currently, when it was fairly new 2021, still showing in my XXXX, since it was more appropriately reported as " flagged as unpaid '', not to collections ( and certainly not to both, if I could get that fixed please? I just need 1 to 1 reporting ) as a {$540.00} medical debt. To be clear, Wakefield filed it on my XXXX but I don't want to pay them {$25.00} a month so the only place I can see where they " flagged my account as unpaid '' is on my XXXX app under the alerts.. Anyway that debit was just an XXXX visit, for a XXXX XXXXXXXX, mostly to document my ex slamming it into asphalt. {$540.00} is XXXX for what I got, which is the reason for my initial dispute through XXXX. I just requested validation, verification, and everything to be itemized so I could get it off easy peasy probably. 
Anyway now I'd like to know when the very dry ink morphed, id like to know if its legal for something already posted as an open collection and with an unpaid balance stated clearly to then be re-posted to the same report almost immediately thereafter to simply " flag unpaid debt ''?

So date correction, remove a listing, those asap, then we can get down with the waiting and fix the weights and get cost down and hopefully take the whole thing off, and possibly throw in one more request to pay more attention for the love of XXXX.
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (PA)

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-12-29
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)

I have disputed an account XXXX XXXX XXXX XXXX numerous times with this bureau because it does not belong to me. They have not proven to have verified or validate this account at all while continually updating it to verified and accurate. I have not received any proof of verification at all. I have asked for the name and position of the individual as well as the documentation of this account showing it belongs to me. This negative info is causing me a lot of stress and wasted time. Please do not play anymore games for stall tactics, this is me disputing this invalid account on my reporting, I have attached my Driver 's License, Social Security Card as well as the credit report showing the invalid account. I will have to pursue legal action if this account is not promptly removed from my report.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Card co. is reporting me as 30/60 days late in XXXX XXXX. This is incorrect. I was a victim of fraud, my card was lost and used by unknown person. At the time my balance was {$0.00}. I was told I was not responsible for these charges. Investigation found in my favor. Card Co. reports me as late, these were not my charges.