davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (SC)

Hello, XXXX : New Day XXXX is scamming folks into using their services ( at a minimum ) I am a proud XXXX XXXX military member. As such I was recently deceived by a letter from a XXXX XXXX XXXX XXXX XXXX. The return address and much of the company marketing upon opening of the letter very clearly identifies myself as a veteran and authorizes a large sum of money with a mock check totaling up to {$60000.00}, signed by XXXX XXXX XXXX XXXX ... a civilian who's military background has absolutely zero to do with a mortgage company. This extremely unscrupulous and deceptive leverage of his former pay grade is a disservice to veterans ( fact ) and the legacy our warriors throughout the history of this great Nation have fought to preserve ( my opinion. ) Unsurprisingly the phone number within the document did not reach this XXXX yr old XXXX and the return address is not his residence. The same address is clearly marked by a XXXX XXXX XXXX headquarters on the business ' website. 

I may not be a XXXX XXXX but I know right from wrong and this is obviously wrong. Tighten up " XXXX. '' Honestly, forgo your own legacy XXXX XXXX and XXXX XXXX. Tell your lies to your own family and loved ones, don't send this garbage in the mail to mine. Take your hat off of the hook you put it on because it isn't worth a XXXX. 

Another red flag is activation codes on everything that can be used as a complaint vector.
Consumer complaint received 2020-11-09
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: Experian Information Solutions Inc. (AL)

In XXXX of 2020, I filed a dispute with the Experian Credit Bureau about the unverified accounts : XXXX, XXXX  -- XXXX, XXXX XXXX -- XXXX, XXXX. XXXX  -- XXXX, XXXX XXXX -- XXXX, In XXXX 2020, I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is an occurring and frustrating situation, when you are being harassed mentally and emotionally by a debt that is not yours. After many failed attempts to remove this account, as promised by The FCRA, neither reporting agency has ever provided me with physical verification of the issue at hand.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CONTINENTAL MORTGAGE BANKERS (NY)

Company = Continental Mortgage Bankers INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried very had to lock the rate in XX/XX/2022 XXXX week when the rate was XXXX XXXX, however the Loan XXXX XXXX XXXX at Financial Equities XXXX was unreachable and never provided clarity. 
When the close was scheduled on XX/XX/2022, he offered XXXX XXXX rate with some buy down points. And claimed that this is the best, no explanation. Again unreachable, he used to fwd phone msgs, wothout direct talking or clarification. 

Hence, I was sold a loan with interest rate XXXX XXXX higher what I could have got, when I wanted to XXXX. At the closing day, the closing attorney of bank made me sign back-dated ( XX/XX/2022 ) document I was made to sign at closing XX/XX/2022. This document states that rate is yet to be determined. On questioning this issue, at closing, XXXX XXXX was not available nor his office. Closing Attorney representing the Bank said he can not do anything here. 
So only choice for me was to sign the back-dated old document or NOT close. 

XXXX XXXX at Financial Equities, gives big promises in the loan application process, however once the process starts and time comes to lock rate and closing arrives, he would be not reachable via phone/email. He will provide a high interest rate and obligate to buy down discount points. Will not entertain market fluctuation of change, previously promised. Mandates to sign back dated document at closing or can not close. There is no alternate manager or contact at Financial Equities who can help. No one at closing department or any departments at Financial Equities will respond, unless they need documents from the applicant. In any case the loan will be sold to a large bank or financial institution before 1st loan payment. 

XXXX XXXX also made excuses of unavailability with no alternate contacts by saiying XXXX XXXX XXXX, when the office/underwritter/loan-assistants was unaware of such an issue. He makes some imposer call from unidentified number called XXXX XXXX who just tries to talk non-sense and justifies the wrong doings during the process. 

This feels like harrassment. 

Horrible experience, waste of Time and efforts, very stressful.
Consumer complaint received 2020-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MD)

Receivables Management System has placed a medical collection on my consumer report without giving me the chance to dispute the validity of the alleged debt thereby violating the fair debt collecting act. when i found out i reach out to them and spoke to a representative over the phone in the first week of XXXX i then requested validation of the account. i received a bill from them requesting that i pay. i then sent back a request for validation. i have attached copies for review. it's been over 30 days they received my letter as i sent it certified with return. the debt has not yet been validated but the account remains on my credit in violation of the fair credit reporting act.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing today in regards to my account with AMEX account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payments in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (MO)

Barlcays Bank told me that I owed {$1200.00} from XXXX - XXXX and it was written off. 
I have called XXXX and they can not provide me with any information proving that I owe that amount. They can not provide me with any paperwork claiming this to be true. 
I have disputed it time and time again and have spent hours on the phone only to get a representative to say what's on their computer screen but not actually provide any facts. 
I have checked my credit and credit score. I have no outstanding debt, none written off, and a nearly perfect credit score. My credit report would definitely reflect any outstanding debt from XXXX. 
In fact, I've even checked my credit card from that time period and it says, " BARCLAYS BANK DELAWARE Closed EXCEPTIONAL payment history Date opened Indicates the date an account was openedXX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - $ X, XXX Payment Info Status Paid " satisfactorily '' Status date XX/XX/XXXX Past due amount - {$0.00} '' PAID ON TIME. 

I would like for them to take this note off their account and allow me to use their services again.
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

XXXX  is the facilitator and contact company for XXXX and all billing was combine and paid through XXXX. When the service was terminated, the last billed posted was paid in full to XXXX. I don't owe a balance for services. I contacted the creditor for more information and the call was disconnected every time I asked for them to send me valid information on the account. Such as, the debt validation letter with the address on file with my signed signature and any supporting documentation on the debt. Each time, the line was disconnected by the representative. Again, I do not owe a balance on this account.
Consumer complaint received 2022-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I have an outstanding collection of XXXX USD that is linked to my SSN with a balance date of XX/XX/XXXX. Lender is " XXXX XXXX XXXX XXXX XXXX '', date opened is XX/XX/XXXX, original creditor is the " XXXX ''
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2016-11-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

I am currently in XXXX. There are XXXX different companies servicing my student loans. AES does not have a record of me still being in school. The other companies have records and have me listed in deferment. AES has my graduation date on file, but no records of me still being in school. They told me it was my problem and up to me to provide proof ( from my registrar ) that I was in school. How is it that XXXX company ca n't figure out that I 'm still in school, but the other XXXX can?
Consumer complaint received 2020-11-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XXXX of 2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my XXXX and Trans union reports.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Hello i applied for credit card with PenFed credit union and i informned them of the fruad and identity theft on my credit and they were not fair and made the decision to decline me and use incorrect info that was reported as fruad against my application i have done all i could to send all documents but yet i feel like i was treated unfairly by this credit union and the decision was do to prejudice and wrongful information from XXXX   and deeclined me right to establish credit.
Consumer complaint received 2020-11-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days later, I have not received a response yet. I feel like I am 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 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-14
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. (NV)

Experian has not done their due diligence by following reasonable procedures to insure the maximum possible accuracy of the information that they are reporting on my credit file. The presence of these account are harming me! I have disputed the completeness and accuracy of these accounts and requested account level documentation bearing my wet signature, I have also requested the method of verification and it still remains on my credit file with no response back from Experian or the furnisher. Experian seems to have an issue with verifying the completeness and accuracy of information being reported to consumers credit file, and they continue the practice of parroting the response from the furnisher even though they have been repeatedly sued for failing to conduct a reasonable investigation as required by the Fair Credit Reporting Act.
Consumer complaint received 2018-04-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ca. XXXX To whom it ma concern, My name is XXXX XXXX and iam writnig this letter for assistane with my morgate company Caliber Home Loans account number XXXX, and the way they have been providing me questionable services. 
Over the past year Ive been trying to get my Mortgage company to explain why i was charged a fee of XXXX on XXXX for fees of XXXX motion for relief which i dont even under stand i never agreed to pay for through Caliber Home Loans, especially since i was represented by my own attorney from the begging of my bancrupcy, My bankruptcy was discharged on XX/XX/XXXX and closed on XX/XX/XXXX. on my bankruptcy my home mortgage was filled as retained and claimed as exempt during the whole process of my bankruptcy i was reassured by my attorney that my bankruptcy process was going well, through the whole process. therefor i would have even needed the assistance of Caliber Home Loans. 
As for the other issue I have had the hardest time with Caliber Home Loans trying to get a monthly statement for verification purposes since XX/XX/XXXX. i have made many calls, emails, and fax requesting a recent monthly statement. Even before my need for a statement i contacted caliber home loans to make sure everything was okay with my account and through the whole time I was assured it was, but now i came to find out that i needed to make a written request this whole time. And in even making the request in different formats I have be
Consumer complaint received 2020-11-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days later, I have not received a response yet. I feel like I am 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 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-09
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: EQUIFAX, INC. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

My wife received an insurance check for {$4900.00} which we deposited on XX/XX/XXXX to our Wells Fargo bank account. My bank placed a 10-day hold on the check which seemed excessive saying the check maker had bad checks. Turns out XXXX  released the funds to the bank the very next day ( XX/XX/XXXX ) but is still holding the funds until the XXXX. 

I have called the bank twice since then and can not get an acceptable explanation as to why these funds are still being held up.
Consumer complaint received 2023-03-14
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. (LA)

This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. 

Also as defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.