davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
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: Caliber Home Loans, Inc. (UT)

On XX/XX/XXXX I filed a CFPB complaint on Caliber Home Loans , Inc. to investigate why I received a 30 late payment on my credit report. The claim was not corrected and this 30 day late payment should not be on my credit report. Therefore, I am refiling a CFPB and respectfully requesting that Caliber Home Loans , Inc., pull all phone records wherein you will find that I was told by the representative that there would not be a late payment reported on my credit report. I submitted all of the required documents pursuant to the website check list and I received a letter on XX/XX/XXXX stating they would offer me an opportunity to enter into the FHA HAMP program. I had to contact Caliber in writing by XX/XX/XXXX. I  sent all of the documentation on XX/XX/XXXX. In order to accept this offer I also had to make a payment by XX/XX/XXXX, however I made my first payment earlier than that on XX/XX/XXXX. I entered into this program, I followed all of their instructions including when to pay, and I was told I wouldnt have another payment for two months. However, I am on auto draft and they were suppose to take out my payment according to their new schedule. They didn't apply a payment to the correct date and now Im being reported late on my credit report. Late for XXXX and XXXX, 2018. These were the two months that I was suppose to be entered into this program and I was told I didnt have to make a payment. This incorrect reporting is harming my credit score.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Here are the inquires on my credit report that I didn't authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX has violated my rights. 

15 U.S.C 1681 section 602. A. States that I have a 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 2019-04-10
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. (FL)

I have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and XXXX, experian and XXXX  are continuing to report fraudulent information on my credit file.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There are too many inaccuracies with this account. Which is in violation of the FCRA. Everything posted must be 100 % accurate. How is that so when these two agencies are reporting different information. Please delete this account. view attachment XXXX   XXXX Date open XXXX XXXX XX/XX/XXXX Last reported XXXX- XX/XX/XXXX Experian XX/XX/XXXX Date last Active XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-18
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. (SC)

I need fraudulent addresses removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX Remove the fraudulent telephone numbers. 

( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I deposited {$9500.00} cash into my U.S. bank checking account on XX/XX/2023 and suddenly my account was frozen. US bank told my account is under review for closure and wouldnt give me an explanation why or date when I would get access or receive my funds in the mail. I have been banking with US bank for some time now and never had an issue until now. I am seeking your help to get access to my funds. Please
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

I recently reviewed my credit report and noticed an erroneous account being reported by XXXX XXXX XXXX to the Credit Bureaus. Knowing that I've never done business with XXXX XXXX XXXX this presented some red flags. I immediately sent a dispute letter via certified mail on XX/XX/XXXX, tacking # XXXX XXXX XXXX XXXX XXXX, requesting VALIDATION of the debt. I simply requested LVNV provide copies of any papers showing I AGREE to pay what they say I owe per the Fair Debt Collection Practices Act. The certified mail was delivered on XX/XX/XXXX @ XXXX. 

On XX/XX/XXXX I received a response from Resurgent Capital Services claiming to represent XXXX XXXX. In their response they claim the original creditor is XXXX XXXX XXXX and attached an account summary with alleged charges which they claim provides verification of debt. I have never done any business with XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a follow up dispute letter via USPS to both XXXX and Resurgent, tracking # XXXX XXXX XXXX XXXX XXXX. The dispute letter arrived on XX/XX/XXXX. In that letter I stated that their response did not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Anyone can type up a fake statement and put your name on it. I am just asking for a signed contract proving I agree to pay or agreeing to enter into a contract with said party. I can guarantee there will be no such thing as I did not enter into any agreement with the bank. I have no problem making this a legal matter but would rather this get resolved outside of court. 

On XX/XX/XXXX a response was provided once again with NO VALIDATION of debt. I once again received fraudulent and erroneous statements claiming that I owe {$1100.00}. I am hoping this complaint will stop the illegal false reporting of debt that has affected my credit before I have to take legal action. Once litigation begins I will not settle outside of court. An example will be made of these criminals. 

I also sent dispute letters to the 3 credit bureaus. I have not heard anything back yet. I am hoping they find this reporting to be false and erroneous.
Consumer complaint received 2022-11-30
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. (CA)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Correct the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2023 at XXXX. I used a Wells Fargo ATM located at XXXX XXXX XXXX ( front facing right ATM ) in XXXX, NC with my XXXX  debit card. I attempted to get a cash deposited to me in the form of {$640.00} with a {$3.00} atm fee. I selected XXXX & XXXX and when the transaction was completed I chose no receipt and the machine when completed gave me my card and only {$280.00} in XXXX came out. As I sat and counted I looked back at the machine and it did not give back the rest of my money. After sitting for a few minutes I panicked and called Wells Fargo and my bank to tell the customer service my issue for a dispute. Although I have to wait 7 days to resolve the issue I have bills that HAVE to be paid immediately and am now stuck.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2019 I noticed a charge on my prepaid American Express Serve card I did not recognize. The amount of {$110.00} was charged to my card by XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019 I filed a chargeback request and filed the fraud affidavit with AmEx against XXXX XXXX. I NEVER had or have any insurance, accounts, or past due amounts with XXXX XXXX. On XX/XX/XXXX, I requested a refund from XXXX XXXX. XXXX XXXX informed me that a full refund will be issued within 3-5 days. They provided me with a reference number of XXXX. I never received a refund. On XX/XX/2019, AmEx sent me an email stating that my dispute was declined and to send a them a letter requesting details about the decision. I mailed a letter to the address and never received a response. I called XXXX XXXX again to request a refund and they provided me with another reference number of XXXX. They told me that American Express withdrew the funds for the chargeback from XXXX XXXX on XX/XX/2019. American Express denied this.

On Monday, XX/XX/2019, I had a three-way conference call with XXXX XXXX of XXXX XXXX XXXX Treasury Department ( phone number XXXX ) and American Express Security/Fraud Dept. as to why the chargeback refund wasn't applied to my account. XXXX  stated that American Express withdrew the funds for the chargeback on XX/XX/XXXX but American Express firmly denied this during the conference call. American Express also told XXXX that they have no control over chargeback refunds and that they do not hold funds from customers.

When the call was over, XXXX   repeated to me that the chargeback was debited from XXXX XXXX on XX/XX/XXXX and that AmEx may be withholding those funds from me. I asked her why XXXX XXXX couldn't simply refund me back the charge to my card and she explained that she couldn't because the chargeback funds were already taken from XXXX XXXX from Amex.

She said there is nothing else she could do.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX  on XXXX XXXX with a balance of XXXX account number XXXX, XXXX XXXX opened XXXX XXXX account XXXX, XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-04-10
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: RMS-Recovery Management Services, Inc. (IL)

I am writing because there is a collection reporting on my credit report that is not a valid collection. I have disputed this account with the credit bureaus and I have sent them a debt validation request. Their responses were not adequate. I do not believe that these debts are valid. I am requesting that they submit requests to remove this collection account from my credit report as I do not owe any monies.
Consumer complaint received 2019-04-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Services Corporation, LLC (TN)

I received a loan with HCS, Health Credit Services through XXXX XXXX. On XX/XX/XXXX I paid the loan off before the promotional period by {$690.00}. I realized my mistake and called to get this resolved. I was told that the payment had to be validated and this could take up to 60days. I called back again and was told that the loan batched on XX/XX/19 and was sent to account to get a check cut to me. I called several times before and was told t hat I was given incorrect information. The funds had to be validated and then I would get a check which could take an additional 60 days. I have asked to speak with a manager, accountant and no one has returned a call or tried to resolve this issue. I called last week and was told the amount of my overpayment had been validated and a check would be mailed. I called again on yesterday XX/XX/19 and was told yes the funds have been validated but this transaction has to batch before a check can be mailed. This process is ridiculous and unfair to me as the borrower. There is no reason a company should hold anyone refund for over 90 days with no date as to when it will be returned.
Consumer complaint received 2019-04-10
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CU Recovery, Inc. (AZ)

This company ( XXXX - XXXX XXXX XXXX XXXX ) calls FROM XXXX to my WORK number weekly for the past 2 months. I have request each time that they DO NOT call this number as it is a work number and I am not allowed to receive personal calls on this number. The company DOES have access to my personal number but continues to call my work number even after multiple requests for them to stop. Their last call to me AT MY WORK NUMBER was XX/XX/2019 at XXXX XXXX   Arizona time.
Consumer complaint received 2023-08-17
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed.XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I went to XXXX  to purchase a washer and dryer set. The set was suppose to be financed through XXXX XXXX. I never received my merchandise because XXXX  filed bankruptcy and has closed down and was advise that I will not receive the merchandise. I never made payments to XXXX XXXX and requested refund of my down payment. for merchandise I never received. I was promised my refund would be granted and account would be closed that this was no effect to my credit. This is reporting {$3500.00} on my credit. They kept avoiding my calls and giving me a run around. 

XX/XX/XXXX sent credit bureau letter disputing. XXXX, XXXX  and Experian has refused to remove from my credit. 


XX/XX/XXXX sent method of verification -no response from credit buruea
Consumer complaint received 2023-08-17
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: GOLDMAN SACHS BANK USA (FL)

In accordance with the fair credit reporting act this creditor ( Apple GS bank USA credit card ), ( XXXX XXXX Personal Loan ) has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 also states that consumer reporting agency can not furnish my account without my written instructions. under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer 's credit plan as late for any purpose. My missed late payments that were under 60 days are current now. please assist in removing late payments.
Consumer complaint received 2019-04-10
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FBC MORTGAGE, LLC (FL)

Hello, My husband and I refinanced on our mortgage with FBC  on XX/XX/XXXX. We went from FHA loan to Conventional loan. Everything went well. We've had several mortgages with this lender. Our first payment was due on XX/XX/XXXX for {$1900.00}. We made our payment on XX/XX/XXXX. 
The end of XXXX we received an letter from FBC stating they sold or loan to XXXX XXXX- XXXX XXXX.I contacted XXXX XXXX the lender and was told that my paperwork and statement will be mailed to us within the next few business days. I called XXXX XXXX again the third week of XXXX and finally was able to get an account number to set up our account online to make a payment on XX/XX/XXXX we made our XXXX payment for {$1900.00} which was deducted from my account on XX/XX/XXXX. 

I've recently checked my credit report and saw that for the month of XX/XX/XXXX my husband and I were reported negatively that we were 30-90 days late with FBC Bank. This is inaccurate and we will like this matter to be rectified and immediately. We are doing another refinance and not only it's hindering our approval it's impacting our credit scores.
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

I believe I was a victim of Navient as I was misguided to apply for deferment when I requested a lower monthly payment. I became unemployed in XX/XX/XXXX, a job of 20 yrs due to the economic collapse. I was told because I was not on a student loan but on a parent plus loan I could not get a lower payment.

As I struggled to find a decent paying job in XX/XX/XXXX my deferment ran out and when I called they told me to apply for forbearance.

In XX/XX/XXXX I gave up on finding a decent job and applied for social security. My forbearance ended so again I called Navient about lowering my payment per month. The agent just said they could not do that as I was a parent on the parent plus plan. After I said I did not know what to do as I could not afford {$470.00} a month she told me she was sending out some paperwork. When the paperwork came it was all to do with refinancing and I was confused. Then at the end of all this paperwork I found an income-driven repayment plan. I have filled only that plan out and sent that back to them several days ago.

My account shows I accrued {$6500.00} interest from XX/XX/XXXX to XX/XX/XXXX plus capitalized interest of {$9900.00} My daughter started at XXXX  University in XX/XX/XXXX
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i have 2 personal credit cards with capital one. 
all of the sudden they clased both of my accounts without any comunication, which hurts my credit score and iwhich is very costly i contact capital one several times after after spending a lot time, finally somone got back to me, telling me that they closed it because an activity that wasnt the way they they expected, they dont wan na tell me which activity, this is so ridiculous and very costly, since their activity is hurting my credit score
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

30 days ago I sent a dispute letter to Portfolio Recovery asking that they verify that I owed the debts that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.