davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (HI)

Im filing a complaint against the mortgage company, Caliber Home Loans. 

There are two parts to this complaint : ( A ) Im being wrongly accused of owing Caliber Home Loans $ XXXX dollars in escrow shortage costs, and ( B ) Caliber Home Loans has wrongfully dinged my credit score for a late payment that never happened since I was set up on automatic payments. 

- Last week - on XX/XX/XXXX - I called Caliber Home Loans and spoke to a representative about the sudden increase in my upcoming XX/XX/XXXX mortgage statement. The representative was unable to explain to me why the escrow amount increased in my upcoming mortgage payment, nor provide evidence to explain why there was a XXXX escrow shortage ( especially when my current escrow balance on XX/XX/XXXX indicated a positive XXXX amount ). 

On top of this, when I spoke to a different XXXX Home Loan loan officer about a refinance on the same day, I discovered XXXX had not only miscalculated my current escrow dues ( and upcoming dues ) but they also dinged my credit score for a late payment back in XXXX XXXX which shouldn't have occurred since I've had automatic payments set up for that loan completed in XX/XX/XXXX. 
- I've had a total of 3 loans with Caliber Home Loans since XXXX. In reviewing the attached documents, all 3 of my loans had a similar county tax and insurance cost. As a homeowner exemption, my tax per {$1000.00} net is {$6.00}. Caliber is Home Loans is paying double that AND trying to charge my escrow. 

Caliber Home Loans is also charging me for windstorm insurance which was not included in my estimated escrow and closing disclosure at the time of my refinance. XXXX was also not included in my previous 2 loans with Caliber Home Loans. 

My escrow should be paying county taxes of ~ {$4900.00} for the full year or 2 payments of ~ {$2400.00}. My current escrow balance should be nearly {$2000.00} if they ( XXXX XXXX paid the correct amount of insurance and taxes. 

On the Caliber new quote document provided for my upcoming mortgage statement, you can see the previous year where they claimed to pay county tax and windstorm insurance which is where the " shortage '' comes from. 

In all three loans with Caliber, I've had ACH auto payment setup with Caliber - but for some reason they didn't set it up until XX/XX/XXXX on my current loan. In the documents attached, you will also see that they charged me three payments at once in XX/XX/XXXX and then dinged my credit in XX/XX/XXXX.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (GA)

I have previously submitted a complaint to Navy Federal Credit Union on XX/XX/2021 ( Complaint ID : XXXX ) about denying me an extension of my own credit. As stated in 15 U.S. Code 1691 ( a ), it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. An adverse action, as defined in 15 U.S. Code 1691 ( d ) ( 6 ), is a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. This further supports the fact that I was discriminated against and violated as a federally protected consumer under Title 15 Chapter 41 and that it is unlawful to deny me an extension of my own credit. Navy Federal Credit Union has not replied to any complaint that I have submitted and has surpassed the 30 days of investigation into this situation. I DEMAND that this issue be resolved as soon as possible and that the remedy I ask for is fulfilled.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (CT)

I opened a XXXX XXXX account on offer with a {$300.00} bonus with a direct deposit. TD Bank is denying the offer saying I got a bonus in 2018 even though I have fulfilled all requirements to get the bonus. I opened a Savings account woth $ XXXX opening deposit to get an additional {$200.00}. All that was said was I should not have an account with them in the last 12 months. Please refer to the attached offer from TD Bank. Footnote terms were given in the last few pages of the attached file. 

" Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD XXXX XXXX account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. ''
Consumer complaint received 2017-08-25
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. (GA)

Experian shows that I made a late payment on a XXXX XXXX XXXX mortgage account ( XXXX acct number ) onXX/XX/XXXX2014. This information is incorrect, I disputed the late payment reported by XXXX XXXX XXXX ( XXXX ) through the CFPB earlier this year, and XXXX agreed that it was an error, and provided all 3 credit bureaus an update to show that the payment was n't late. XXXX and XXXX correct their records, but Experian has n't made the change yet - and I personally made them aware of the error through a dispute a few months ago, and they still have n't corrected the error. The error has has made it difficult for me to obtain interest rates I need to get a refinance of my current property, and obtain other financial loans that I have been seeking this year.
Consumer complaint received 2022-01-27
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: BARCLAYS BANK DELAWARE (NY)

on XX/XX/XXXX made an online purchase for a watch from a online merchant. i made the purchase but then tried to cancel 1 hour later because the online address was not to be found,, i couldnt email or phone the merchant there were no options to do that. i called the credit card company immediatly and told them my story and they said they would reverse the charge no problem ... than they said they couldnt i would have to file a dispute. I did that they gave me temporary credit and than as of XX/XX/XXXX they rebilled me and said they have proof of delivery of the merchandise? i never received any such merchandise and i checked the tracking number the credit card company sent me and i called XXXX  and the tracking number is invalid and never had any such delivery. The credit card company is reinvestigating the merchant but will not give me temporary credit until they validate the merchant which there is no merchant available to contact .They will not give me any info as to whether or not they have any contact info like a phone number or an email addresss and they are not giving me a straight answer.. In conclusion they are running me around and not giving me me credit refund. they are fully liable i called them immediatly after purchasing the item and told them it was a scam site!!
Consumer complaint received 2019-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Navient is consistently misapplying my payments. I make an overpayment each month to my loans. I always select to be billed in full for my next monthly payment rather than having my payment due date advanced. On more than one occasion, my payment due date has been advanced despite my request not for that to occur. My default profile setting even says how to apply my overpayment. 

I have my student loans set on automatic payment. I would not have caught these misallocation if I didnt check my statement on a monthly basis. Who knows how many consumers are being taken advantage of this unethical organization. I have to call in each time to get this corrected. Most recently, the representative would not give me a reference or ticket number for the correction. 

My payment due date was advanced on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is just within the past year. It should not have been advanced and I should have been billed monthly. By advancing my payment due date, my overpayments are not being applied strictly to principal. This allows Navient to charge me more interest since my principal is not decreasing accordingly. This is illegal and wrong.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have 4 student loans with XXXX. XXXX is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted XXXX and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave XXXX written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. 
Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave XXXX any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.
Consumer complaint received 2021-05-18
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. (CA)

I have 4 student loans with XXXX. XXXX is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted XXXX and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave XXXX written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. 
Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave XXXX any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Ive spoken with XXXX XXXX XXXX XXXX throughout the year XXXX recently about a charge off they were reporting on my credit. A vehicle was taken from me from a dealership that I entered contract with to purchase. XXXX requested the dealership to buyback this loan. They did not. Thats why this is on my XXXX XXXX XXXX told me. However, through all of my digging its been verified through XXXX XXXX that they never acquired the title from the dealership, therefore shouldve never been placed as XXXX holder on this contract, per XXXX law. This agreement was never fulfilled at the start. Therefore the contract is null and void. Nothing about this account is right. The car was repossessed and never sold even after I asked for the car to be sold. The dealership is no longer in business. They basically stole the car and now theyre making me responsible for a shady business practice.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (NY)

I had an account with XXXX XXXX XXXX XXXX which was tampered with by an unauthorized third party. Around the time that my account was used in a mannerism that I never authorized, I was the victim of a hate crime and assaulted. I was also under the supervision of the XXXX XXXX XXXX in XXXX, New York as a victim of Domestic XXXX where an Order of Protection was issued for my personal safety and security. My checking account with XXXX was used fraudulently and closed. I was then reported to Early Warning Services for " Checking Account Fraud '' showing a XXXX dollar loss. 

I was also the victim of Identity theft and XXXX XXXX and XXXX credit cards were opened in my name fraudulently and without my permission.
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ARS National Services, Inc. (ID)

Today a gentleman named XXXX XXXX working for XXXX XXXX XXXX XXXX contact my mother, brother, father, and wife and told them what the debt was for how much i owed and the amount they could pay to take care of it. i never once heard from the company and when my wife informed him that he was breaking the law he decided to hang up and call all of my family members back and leave voicemails demanding i call him due to her committing fraud. i emailed them a cease and desist letter and they continued to reach out to references and give them information after that. any contact they have with me needs to be through physical mail and that is all. we have the voicemails if needed.
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters added an account to my credit file without ever notifying me nor providing me written notice even to dispute this claim. 

My credit file states that they added this account on XX/XX/2021, however, it started reporting on XX/XX/2021. Again, no knowledge or was I allowed any opportunities to dispute. Provide proof where your company notified me of this debt. 

The entry states the that original creditor is XXXX XXXX XXXX XXXX XXXX for {$860.00}. Please provide me the original documents that give you justifications to collect any debt from me. The amount of the original debt to include the date I contracted to do business with your firm. 

I am requesting that you provide the amount you say I owe you and the signed documents where I contracted to do business with your firm. Specifically I am requesting you verify and validate this debt as I was not legally notified. 

I request that you provide my your authority to do business in my state by providing me with your license no. for debt collection in the state of Texas.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NJ)

In XXXX, I Purchased A " Baby Camera System ''. I Decided To Return IT. I Went Through The Return Process And Received A Return Label. I Sent The System Back And The Seller Received It. I Had A Credit On My AMAZON Account Of {$250.00}. I Called AMAZON Customer Service, And They Told Me That I Would Receive A Refund Check For, The Full Amount Mailed To Me. As Of XX/XX/2021, I Have NOT Received My Refund.
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes, Equifax XXXX XXXX has failed to respond. They have violated the FCRA in that it has been more than 30-days.
Consumer complaint received 2017-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Alan Mege (PA)

The law offices of Alan R. Mege Attorney ID # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX has purchased my debt from XXXX XXXX XXXX XXXX the debt originated with XXXX XXXX XXXX XXXX. The law offices of Alan R. Mege are now trying to sue me in small claims court for the amount owed on the debt however under the original consumer leasing agreement which he is using as exhibit A in his case it clearly states this is not permitted in the binding arbitration agreement and reads as follows " You and we agree that any claim or dispute arising from or in any way related to the agreement must be resolved by binding arbitration in the state where you live instead of a lawsuit ''. I was never even offered the arbitration as an option nor received any communications from the law firm to set up any such arbitration. Secondly Alan R. Mege is in violation of the fair debt collection practices act which states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between myself ( alleged debtor ) and the collector ( The Law offices of Alan R. Mege ) no collection can be sustained. His complaint is for the amount of {$1100.00} plus a {$750.00} legal fee the original debt dates back to XX/XX/XXXX. I am hoping you can assist me with this issue as the law firm is the 5th owner of this debt and as mentioned above not entitled to collect these monies thank you in advance for your help and feel free to contact me for further information if needed.
Sincerely, XXXX XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I was a victim of identity theft I asked the credit card company to validate the debt they refused to comply with my requests I received a letter overnight with information that is not related to me. The date of birth used to apply for the account is not mine I have already disputed this with the bureaus and verified my identity they corrected the information but refuse to remove the account From my report
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

Jefferson Capital Systems out of XXXX  trying to collect {$200.00} from me for a XXXX purchase of some kind that I did not buy, I have XXXX XXXX XXXX. Never had XXXX. All I know is balance of {$200.00} was due on XX/XX/2021.
Consumer complaint received 2022-01-27
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. (TX)

I discovered certain issues on my credit report that were improperly reported after analyzing it. The Fair Credit Reporting Act has given me the authority to dispute and alter information in my credit report that I believe is wrong ; however, the following are also forbidden under the Act ( FCRA ).
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (MD)

Improper uses of my Credit files Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my report.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

This regards my Citibank credit card. 

I received a call in early XX/XX/2021 about a fraudulent charge on my account. Citibank said they were cancelling the card and sending a new one. I was traveling at the time, so I asked them to send the new card to my temporary address in OR. They agreed. 

However, the card never came. I spoke to another representative who said -- oops, they sent it to CA instead. They'd cancel that card and send a new one instead. This one would be sent to OR. 

Still, it didn't come. I contacted Citibank 2 more times, and they said I hadn't waited long enough. It had been definitely sent to OR. I just had to wait longer. However, a month later, the new card never came. 

At this point, I checked at our old address in CA, and sure enough - there were 2 cards there. Citibank had never sent a card to OR after all. They also didn't cancel the old card before sending the new card -- all the cards they sent had the same number. 

I tried to reach out to Citibank again to check how many cards were out there with the same number. I don't know what they sent where, and I'm worried someone else could get their hands on one of the extra cards. However, I can't get an answer from anyone. 

I am very frustrated. I have spent many hours on the phone and chat with Citibank, with great frustration. None of the representatives can give me accurate information. Also, the representatives refuse to transfer me to a manager. I am completely stuck.