davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NY)

XX/XX/XXXX I inquired to caliber home loan about email they sent saying they can drop my mortgage insurance and lower payment on my current mortgage.On the phone loan consulatant XXXX said there is no costs but {$190.00}. I pulled over as he said he must wait on the line while I initial documents online and he can change anything going forward such as term amount etc. I asked about closing costs and was told there were no costs other than {$190.00} as they already have mortgage on house and are simply refinancing. After reviewing it they were tacking on an extra {$10000.00} to my loan for closing costs and XXXX said they would be waved or reversed. So in addition to {$10000.00} closing costs my interest rate would be even HIGHER if I refinanced. So within 30 minutes after I told him I wanted to cancel via phone and numerous emails. The Following day XXXX continued to process loan even after I told him I didn't want to go forth especially with paying higher interest and putting an extra {$10000.00} on refinance loan. I contacted his boss XXXX who then after I told him why I didn't want to proceed asked me why not and continues not to stop this.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (TX)

I received a phone call from a lady stating she was from Caine & Weiner and demanded payment. I asked her nicely to send me a verification letter on company letter head to verify the debt. She said they sent letters in the past and she will not put in a request to send another. Things got heated over the phone when she continued to demand payment without verification. I ended up telling her I will not pay until I get a confirmation of the debt in the mail and she threatened to pursue the debt " legally ''. I told her I know my rights and hung up. After cooling off I called the same number and to my surprised received the same lady who apparently had caller ID because she said my name and asked what I wanted. Once again I asked her to verify my debt by sending me a letter and she asked why a phone call wasn't good enough to be verified. I told her I'm not going to pay without the verification letter and hung up again. 

I had already sent the debt company a certified letter to verify the information in writing.
Consumer complaint received 2024-03-06
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)

I send out a dispute to TransUnion, XXXX and XXXX and got results back as of XX/XX/2024. They stated that bankruptcy XXXX XXXX ref XXXX XXXX was verified and updated. I received a letter form the court recorder/court office stating they do not verify information with any credit bureaus. The credit bureaus lied and stated it was verified, but when asked for documentation could not provide, which is a violation for FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The recorder or courts did not verify information because they don't give information, and never verified, so I would like it deleted off my credit report.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I have attached numerous times a copy of my utility bill with my disputes through CFPB and Equifax states that they have not received not one document that I have downloaded to prove that this address is not one of mine. Equifax removed information from my report and reinserted the erroneous information again although I sent in proof of my address. XXXX account is not my account I do not have a mortgage loan, I do not live at XXXX XXXX XXXX XXXX, XXXX ohio XXXX. I requested credit applications bearing my signature and XXXX failed to send my what I requested. I am tired of going back and forth this is RIDICULOUS! No one is doing there job! I don't understand why going through CFPB makes a difference because it does not! I have sent in documentation several times and still there is erroneous accounts on my credit report that is damaging! The CEO of Equifax is XXXX XXXX I wonder did he go through this process when there was a breach in Equifax! I have attached for the last time a copy of my utility bill. NEVADA IS MY HOME AND IT HAS BEEN FOR SOME YEARS! REMOVE XXXX, ANY AND ALL ACCOUNTS THAT IS LINKED TO XXXX XXXX XXXX XXXX, XXXX OHIO XXXX AND REMOVE XXXX XXXX XXXX, XXXX OHIO XXXX WHICH I HAVE NO CLUE WHO ADDRESS THAT IS! I WILL BE SEEKING LEGAL REPRESENTATION! DO NO SEND ME A EMAIL STATING THIS XXXX IS VERIFIED WITH NO DOCUMENTATION! DO NOT SEND ME A EMAIL STATING IT IS A DUPLICATE IT WAS NOT RESOLVED THE FIRST TIME!
Consumer complaint received 2019-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My mortgage is with Wells Fargo, I was offered a loan modification XX/XX/XXXX, which I did not go thru with I was presently in an active bankruptcy during that time chapter XXXX. I continued to make my trustee payment to the trustee during this time and the trustee would disburse funds to Wells Fargo, life happened and my bankruptcy was dismissed XX/XX/XXXX, I had to refile XX/XX/XXXX a new bankruptcy chapter XXXX case. My1st trustee payment was due XX/XX/XXXX I was still making my mortgage payments the trustee and the trustee would disburse the funds to Wells Fargo my trustee payment increased and I was becoming difficult to make so I decided to reach out to Wells Fargo in XX/XX/XXXX to inquire about doing a loan modification I submitted the necessary documents and was told my file was being reviewed. I contacted Wells back the beginning of XXXX and was told that I would be offered the same modification from XX/XX/XXXX, there would be no review. I was like good that means my bankruptcy case can be dismissed because with the loan modification my mortgage will be brought current and there will no longer be arrears. I contacted Wells Fargo from XX/XX/XXXX, weekly up until this past Wednesday XXXX, each time I called I was told your loan is still under review we are trying to work out the finally # 's. That was the response each time. So by this time my bankruptcy case is pending dismissal as of XX/XX/XXXX, so now as today XX/XX/XXXX my case is pending dismissal because of the simple fact I was told by several people at Wells Fargo that I would receive the loan modification from XX/XX/XXXX, without advising me that I would need to pay {$12000.00} I don't have that type of money and I found this amount out on XX/XX/XXXX I'm raising XXXX of my grandkids and I can't afford to loose my home, I feel like all of the time I was contacting Wells I was not advised of the amount that I would have to pay and now I'm being told I could be reviewed for a loan modification with a new review but there is no guarantee that I will be approved. I know things happen in everyone 's life I'm simply requesting a loan modification with the arrears being added to the end of the loan I don't have {$12000.00} to pay Wells Fargo or anyone with that being said and to file another bankruptcy would cost money and the trustee payment would be to expensive.
Consumer complaint received 2019-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/2019 at XXXX, I was contacted by Portfolio Recovery Associates regarding a debt. I confirmed with them that they were speaking to XXXX XXXX, but did not live at the address provided. I told them not to contact me again about this debt On XX/XX/2019 at at XXXX, I was again contact by Portfolio Recovery Associates regarding a debt. I confirmed that they were speaking to XXXX XXXX. When I asked what company the debt was with, they refused to provide any information. I let them know I was going to file a complaint with the CFPB if they did not stop contacting me because I do not live at the address that they stated on the phone. 

If this debt is related to XXXX XXXX, I filed a previous compliant with CFBP against XXXX  and their debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX in compliant XXXX. 

I am also trying to find out how they are getting my personal phone number.
Consumer complaint received 2019-07-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I ended employment with XXXX early XXXX. I keep contacting XXXX   XXXX to get my 401 transferred or cashed out. I keep getting the employer hasnt sent us information if its too long we will contact them. Why hasnt XXXX XXXXXXXX  called XXXX to verify my termination so I can access the funds which I put in!! Instead they rather sit on my funds and benefit from the interest it draws!
Consumer complaint received 2019-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems (MD)

I have been receiving at least 3-6 robo calls per day from numbers purporting to be in XXXX XXXX or XXXX Maryland telling me I owe a debt. They instruct me to phone a toll free number which resolves to Midwest Recovery Systems. I dialed XXXX. I asked the person who took the call to inform me as to who the creditor is. The person was XXXX and tried to intimidate me. He asked for my name which I was hesitant to give because he could look it up by the phone number. He said he had to ask because of the Privacy Act, which I know to be untrue. I did give my name. He then asked for my date of birth, which I declined to give him because it is XXXX. He then said he couldn't help me and hung up. 

I want the harrassing phone calls to stop. If there is a legitimate reason to call me this often, Midwest Recovery Systems must identify the creditor. They have never written to me. The XXXX XXXX XXXX recently suspended their accreditation for this very reason. Please make it stop. 

I do not want to provide any part of my SSN to this company because I do not trust them. My phone number is included in this complaint. They seem to be able to find that.
Consumer complaint received 2019-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MO)

I.C. System Collections is attempting to collect a debt for XXXX. This is the 3rd time a collection agency has tried to collect a debt for XXXX for a account that XXXX keep claiming I have in the state of Florida. I recently filed a police report that was sent to XXXX yet the company is still sending collection agencies a a debt that don't belong to me.
Consumer complaint received 2018-05-18
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. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. StatXXXX issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2018-12-18
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. (GA)

I Contacted all 3 credit bureaus by phone ; I notified them of the wrong addresses and inquires reporting on my credit report. The representative changed my address but couldn't change one because a business was listed under the address ( not my business or my address ). She corrected the addresses she could but stated I would have to contact each individual business who placed a inquiry on my report. This is a lot of work for something I did not authorize. I have place fraud alert on my report so this will not happen in the further.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

On Friday, XX/XX/2019, I tried to transfer my American Express Membership Reward Points to one of the transfer partners. I immediately got a message stating : " This action will not be completed at this time, because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I've reached out to American Express numerous times and was told that the review could take 6-8 weeks. Well, it's been over 12 weeks, and several phone calls later, and as of today, XX/XX/2019, my MR points are still frozen. 

Can someone please tell me whats happing with my points, and when I'll be able to use them again.
Consumer complaint received 2019-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (NV)

Back in 2017 I went to XXXX XXXX XXXX XXXX with a friend she was trying to buy a car. As i was sitting there with her the salesman asked did I need a car? I said yes but I dont have much income nor a driver license. He said how much income you get a month. I .told him after I pay rent I have XXXX left till the next month. He asked for documents I gave them to him and he got me approved for a brand new car with a poor XXXX credit score and XXXX a month income SSI after I pay my rent XXXX left. I asked the salesman. How did I get approved he said enjoy your new car. All my family kept asking how did I get approved. It was a no brainer the dealership falsified my income. I have since asked the dealership and the finance company for proof of income that was submitted to get me approved. Hyundai motor finance said they didn't have it. Only a contract which is useless we need application with debt to ratio income. And proof of income that was given. Because both entities want provide information to show this account was falsified. I am requesting removal of Hyundai Motor Finance from all 3 credit bureaus.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have a Credit Card with my bank and they regularly report my credit to Equifax and Equifax says they do not have a file for me. Verified with all personal identifiers and Equifax does not have a file for me in my SSN. My bank says they have been sending the credit files on my credit card after every billing cycle to all 3 reporting agencies. I am able to get my credit report with XXXX and XXXX, the issue is just with Equifax. My bank says the issue is with Equifax and Equifax says they have not received the file from the bank.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

My Name is XXXX XXXX XXXX, XXXX My Father was XXXX XXXX XXXX . He passed away XX/XX/XXXX. 
Our company XXXX XXXX , XXXX has a XXXX XXXX XXXX Charge Card since XXXX. I  took over as the Primary Responsible party after his passing. 

8 months ago ( XX/XX/XXXX ) XXXX first suspended my XXXX XXXX XXXX XXXX account stating I was deceased based on a report from Experian. They have subsequently reinstated it various times. 

XXXX says they are only reacting to Experians Monthly Electronic Filing that updates them every 30 days. 

XXXX says that the monthly Experian report shows the FICO Score and other derogatory notes like bankruptcies or in my case a score of 1 that indicates deceased. 

XXXX Told me to request a long form credit report and Experian gave it to me. I also spoke to specialists at Experian. According to Experian, No noticed associations with XXXX XXXX, XXXX or mixed SS # s/DOBs appear on my Credit Report Spoke to Experians special consulting department again on XX/XX/XXXX who reassured me there is no indicator of me being deceased on my report or associated w/ My deceased Father. 

In the meantime, I view all 3 bureau credit scores on my own that are over 800 and have purchased 2 cars and received a credit card line increase in the same period. 

ONLY XXXX has an issue with my credit report according to what they claim Experian is sending them- While Experian states nothing is showing on their end. 

I don't know what else to do to resolve this issue with XXXX. I have consulted all 3 Credit Bureaus multiple times for hours and hours over the phone, received credit reports and noted every item is correct. Until this is resolved, XXXX could suspend my XXXX XXXX account which would impede the way our business runs as we use this card for several recurring monthly charges and subscriptions. 


If necessary, I can be reached at XXXX. 

Thanks, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXX regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-03-31
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. (FL)

Back in XXXX of 2022 I reached out to all 3 credit bureaus plus the creditor which is XXXX XXXX. XXXX was successfully able to dispute and block the fraud account which is XXXX XXXX BUT Both XXXX and Equifax still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.
Consumer complaint received 2023-03-31
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. (PA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-03-31
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/2023 I mailed my dispute to Experian Reporting Agency about several unlawful Late Payments being furnished on my consumer profile, The basics of my dispute is about the unlawful use of Late Payments which is illegal, My results remained unchanged as I got updated of the results today Friday XX/XX/2023. XXXX XXXX states Late Payments are forms of Transactions and or Experiences between the consumer and the person making the report According to 15 USC 1681A ( 2 ) ( a ) ( i ) it states Consumer report does not include-Transactions and or Experiences between the consumer and the person making the report deeming all relative information furnished on my consumer report as inaccurate information in the form of Experiences pertaining to the Late payments being reported also I did not gave any of these companies written permission to put anything on my consumer report which is illegal and a violation. 15 USC 1681b2 Governs Permissible Purpose in the use of information in which I did not give them so this is a clear identity theft on there part, according to XXXX XXXX, they just refuse to follow the law knowing certain information is unlawful to report on one 's consumer report and they refuse to delete or remove the inaccurate information they choose to report the following accounts are reported as such Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the unlawful Late Payments that remain I need all these Unlawful Late Payment Accounts Removed and Deleted never to be brought back and my Credit score updated along with the other updated inaccurate information that has been removed because they have not been updating my score either
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC (NC)

I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.