davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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 2017-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (OR)

I kept receiving notices that we could lower our monthly payments or refinance our mortgage. So instead of going with my normal broker, I gave caliber home loans a try since our current mortgage was with them. I dealt with XXXX XXXX, what started off as a great conversation and superior customer service turned into one of the most disturbing and unfortunate situations.
After a three hour phone call, he told me we were approved. Next step was getting a home appraisal, he told me to use a credit card that I planned on paying off with our refi/debt consolidation. {$850.00} for a home appraisal- Once he took that transaction over the phone, it was like he disappeared off the face of the earth. I would call, email, text With questions about where we were in the process. He blocked his phone number so we could not get in touch with him. I know he did this because I would try from a different phone numbers and it would go through successfully. My husband finally got through to him on the phone, and XXXX would just continue to make excuses and ask questions as to delay the process. 2 1/2 weeks later we were still In limbo/ waiting ... after being told we were already approved and signing paperwork. Now out {$850.00} on top of her other debt we were hoping to pay off with our refi, I finally called the customer service number. They told me that he did in fact exist, and that someone should have been in touch with me. Then we find out that we were not approved, we were completely left in the dark and {$850.00} more in depth. Never a phone call and email a response. I have email after email of trying to touch base with him he finally responded at the end apologizing that he did the best he could!!!
After this experience, I went back to my broker in tears. I totally got reprimanded for not using him in the beginning Luckily XXXX  at XXXX XXXX in XXXX Oregon Took over, used the current home appraisal and got us approved for a refi. his company hounded XXXX for some information and again no response- they needed to go directly to customer service and request the information that they needed. And in the end they were the ones who encouraged us to file a complaint against caliber home loans and XXXX XXXX as this is completely and totally unacceptable.
I have emails that I could probably pull up off the cloud if necessary, I do have the current emails from XXXX XXXX attempting to reach out to XXXX for information multiple times.
Caliber home loans is a total joke, I would never recommend them, use them or return to them.
Consumer complaint received 2022-05-30
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. (LA)

sent letters out on XX/XX/2022 and XX/XX/2022 to the bureaus, XXXX, experian, and XXXX it been over 60 day and no replay. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


1. Validate Account XXXX XXXX PROP XXXX CO Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX COMPANY Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXXXXXX XXXX XXXX Account Number : Please remove it from my credit report. 

6. Validate Account XXXX Account Number : Please remove it from my credit report.
Consumer complaint received 2021-04-20
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: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I received an unsolicited mailer in regard to re-financing my primary residence. The advertised XXXX XXXX  fixed rate was very attractive so instead of contacting the mailer vendor, I contacted my current mortgage holder, Wells Fargo Mortgage. I have been a mortgagee customer at Wells Fargo for the past XXXX XXXXs. My XXXX XXXX XXXX was above XXXX and I was " considering refinancing '' in an attempt to save a few XXXX dollars per month. I looked on my monthly statement and called the wells fargo  XXXX number, within seconds I received a call and spoke to a " wells fargo XXXX XXXX, XXXX XXXX out of XXXX XXXX XXXX XXXX. He asked me what I received in the mail and could I send it to him, I did. While on the phone, he said " he could match the XXXX XXXX fixed interest rate '' This is where the deception began. I answered his questions in regard to my income, my XXXX XXXX, my desire to reduce my monthly mortgage payment. Then he asked me if I would fill out an application. I clearly told XXXX I did not want my credit report pulled. I am familiar with how hard inquiries work and how they can affect a credit score. On a recorded line, XXXX clearly told me the application was going to come directly to his desk, upon receiving it he would review it and call me back before moving forward. When I emailed XXXX the application, I followed up within minutes with an email stating that I stopped the application because Wells was asking for too many documents at that time and in that email I stated XXXX XXXX ) XXXX times " do not pull my credit ''. Within XXXX minutes of this fiasco, I received a notification that my credit had been pulled by Wells Fargo. I was furious. I emailed XXXX and he claimed he was at lunch and began back pedaling about the credit report .I filed a complaint with the XXXX XXXX XXXX including an appeal. As noted I have worked my entire life to maintain an excellent XXXX XXXX, this fiasco that began XXXX XXXX  ago has impacted my score by XXXX points. I've talked via phone with Wells Fargo complaint department ( first with a gentleman named XXXX and later a woman, XXXX XXXX. They both indicated hard inquiries can be reversed. Keep in mind I have been with Wells Fargo Mortgage and never have I've been late with a payment, not even one day late. The XXXX XXXX XXXX although helpful was not able to help me achieve this reversal, they recommended your agency. 
Something so simple as a credit inquiry reversal for a XXXX XXXX XXXX man who lost his spouse to XXXX XXXX on XX/XX/XXXX after XXXX XXXX of marriage has fallen on deaf ears. Please help me so these re finance deceptive sales practices can end. If at the beginning on XX/XX/XXXX, XXXX would have said a hard credit inquiry was necessary to move forward, I would NOT have consented to the application, but he didn't and he lied to fill his pipeline with another application. Thank you, XXXX XXXX
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX account # XXXX has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/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.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (OH)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXXXXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$380.00}
Consumer complaint received 2022-05-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERIS BANCORP (NY)

( 1 ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX executed an insurance premium finance agreement with XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX. 
( 2 XXXX XXXX XXXX XXXX XXXX finances {$410000.00} of {$480000.00} in insurance premiums with XXXX XXXX XXXX. 
( 3 ) On XX/XX/XXXX XXXX XXXX XXXX XXXX made its first partial down payment of {$42000.00} to XXXX XXXX XXXX XXXX. 
( 4 ) On XX/XX/XXXX XXXX XXXX XXXX XXXX made its second and final partial down payment of {$26000.00} to XXXX XXXX XXXX XXXX. 
( 5 ) XXXX XXXX XXXX XXXX made three monthly payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of {$45000.00} which included a late charge of {$2100.00} for each payment made, totaling {$130000.00}. 
( 6 ) On XX/XX/XXXX, both General Liability and Excess Liability policies were canceled. Two Cancellation Endorsements were issued. The General Liability policy was to return unearned premiums based upon a completed audit. The Excess Liability policy returned {$82000.00} in unearned premiums to XXXX XXXX XXXX. 
( 7 ) On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX Assistant Vice President of Collections, received confirmation by the General Liability carrier that the audit was completed. 
( 8 ) On XX/XX/XXXX, a Summons and Complaint was filed in XXXX XXXX Supreme Court against XXXX XXXX XXXX XXXX in the amount of {$230000.00} as balance owed and due to XXXX XXXX XXXX. 
( 9 ) On XX/XX/XXXX, XXXX XXXX, Owner, and President of XXXX XXXX XXXX XXXX requested a detailed breakdown of the amount XXXX XXXX XXXX claimed XXXX XXXX XXXX XXXX owed. XXXX XXXX XXXX ignored the request. 
( 10 ) On XX/XX/XXXX, the General Liability carrier issued a Cancellation Audit Endorsement with a return unearned premium of {$200000.00}. 
( 11 ) On XX/XX/XXXX, XXXX XXXX XXXX  informed me that XXXX XXXX XXXX will not be waiving any accrued interest or fees and will continue to litigation for the balance of $ XXXX on unearned premiums, in addition to legal fees. 
( email attached ) ( 12 ) XXXX XXXX XXXX is in violation of Section 3428 of New York 's Insurance Law.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (GA)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 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 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated and corrected soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX XXXX XXXX  || Account Number : XXXX - XXXX || Account Number : XXXX
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I wanted to get my free credit reports online, from the XXXX credit reporting agencies, using the website XXXX There was some sort of glitch and the website said I could not get them online, that it would mail them to me. Then I tried calling using the number XXXX to talk to someone so I could get the reports online. This is an automated line and it said it would mail them to me. My complaint is there is no phone number for customer service or their corporate offices to redress any of my issues with their website.
Consumer complaint received 2017-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit score went down more then 30 points. I called Transunion and spoke to XXXX and she said nothing changed, does n't know why it went down and to call the credit card company because they do n't generate the scores. ( as if I do n't know anything ). So I asked to speak with a supervisor, I spoke to XXXX XXXX and all he was saying is how it all works but could not talk about me specifically as to why my score went down, just that nothing changed and they do n't generate my score, a computer does. After that I asked to speak to his boss or someone that can help me and then he hung the phone up on me. So I tried to call XXXX to see why my score went down and they too could not tell me why my score went down. Just to say I have nothing bad on my report and I always pay on time, even before things are due. So why did my credit score go down. No one wants to help me. This also happened to me about a year ago, XXXX XXXX  put the wrong information in and I ended up paying allot more interest then I was supposed to.. I called XXXX XXXX and they corrected it but XXXX XXXX would n't look at my score again so I 'm paying XXXX more in the corse of 30 yrs.. I 've done everything I can to have a excellent Score and I feel like I 'm being taken advantage of from these people.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, Im writing to complain about onerous hurdles and false information given by Bank of America in relation to paying my bill for my Bank of America credit card. 

I have been a Bank of America customer for nearly 20 years and until XXXX I had both a checking account and a credit card with them. In XXXX however I closed my checking account and moved it to another institution. Since then, managing my Bank of America credit card has been significantly more difficult as Bank of America will not enable me to make payments online, including automated recurring payments, but rather forces me to call each month and pay over the phone. Ive managed this hassle of a process for a few years now but this spring, in XX/XX/XXXX, I forgot to call and missed a payment. Next thing I know, I get an alert from another institution that my credit score has changed. When I looked into it, I saw that my score had gone down significantly and I later confirmed that it was because of the missed payment with Bank of America. 

I called Bank of America and resolved the outstanding payment on XX/XX/XXXX, and also expressed my frustration that paying my bill was not possible online. The customer service team told me that I can pay online, however nearly a month later as of today ( XX/XX/XXXX ) I am still unable to pay my bill online. And since the customer service center is closed today, I have no way to pay my bill today whatsoever. 

I am writing to complaint about the onerous hurdles Bank of America has placed on my account, seemingly as punishment for not keeping a separate account open with them. Further, their team has given me false information about my ability to pay online. Because of these onerous treatments and false information, I have had a material negative impact to my personal finances and Bank of America has done nothing yet to rectify the situation.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

We recieved a call from Ditech on XXXX XXXX, 2017. The rep advised us that our payment was short and had gone up for this month and going forward. We were asked to pay the XXXX that it was short. My husband paid it over the phone right away. The rep assured him that we paid it on time and we would not be assessed a late fee. the next month we received a statement advising that we we were charged a late fee. I called and was told that they would not waive the late fee, even though it was charged in error. the payment was not posted to our account until XXXX, but was paid on XXXX. I wrote a letter to ditech and they advised that the late charge would not be waived ( XXXX ) I do not believe we should be assessed a late fee as we made the payment on XXXX, the cutoff date and the rep told us that we would not be charged a late fee as we made the full payment on time. Please help