davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

I have been unable to get Caliber Home Loans to correct the payment errors that are listed on my account and that were wrongly reported to all 3 credit bureaus, which has negatively impacted my credit score. My bankruptcy was discharged on XXXX XXXX ( see attached ), which Caliber agreed that all payments were current on my loan my Bankruptcy would not have been discharged had I not been current on all payments owed. I am asking that all late fees be refunded to my account, all negative reporting to all credit bureaus be removed, and any fines and penalties due to these ongoing errors be resolved. The amount of stress, anxiety, and mental anguish this has caused has been immense! 

The following listed payments are what Caliber has listed for me for the year XXXX : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XXXX, XXXX : {$750.00} XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$920.00} XX/XX/XXXX : {$1000.00} Total : {$9900.00} Caliber failed to credit the payment I made on the following, dates in addition to the payments listed above ( See XXXX attached pages from my bank as proof of payment dates listed are when the payment cleared my bank ) : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1900.00} XX/XX/XXXX : {$750.00} XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$1900.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$920.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1000.00} Total : {$15000.00} In other words, I paid in XXXX a total of {$25000.00}, of which Caliber only credited me for {$9900.00}. I estimate ( based on worst case monthly scenario of {$1900.00} per month ) that I overpaid Caliber at least {$1800.00} for the year XXXX. 

Fee Errors : Your company incorrectly imposed a Late fees of {$190.00} as of my XX/XX/XXXX statement. See attached XX/XX/XXXX statement. 


Default Errors : Your company falsely put my loan in Default status and has sent someone to place notices on my front door XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Every time I have contacted, or attempted to contact Caliber by phone, I usually wait 1 hour to actually talk with a person and am on the phone for an additional 30-45 trying to resolve my issues and disputes to no avail. On XX/XX/XXXX I sent a letter via fax to : XXXX as instructed. I was told on XX/XX/XXXX that my fax was never received. I mailed the attached letter, and proof of payments to Caliber from my bank dated XX/XX/XXXX on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received any reply and continue to receive statements with incorrect payment, and Outstanding Principal amount information. ( See attached statement dated XXXX/XXXX/XXXX ).
Consumer complaint received 2019-10-09
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)

Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.
Consumer complaint received 2019-07-31
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (IL)

I recently moved ( XX/XX/2019 ). Up to that time I had been making payments to Wells Fargo Dealer Services for my vehicle. I had switched jobs and had a lot of things happening. I went 30 days past due, no contact from Wells Fargo on payment due. They have my phone and email address but failed to contact me. I received a credit alert via credit monitoring and when contacting Wells Fargo I was told that they indeed failed to contact me. I proceeded to pay the entire balance and set up auto payment with them. Every other financial institution will reach out and contact you, Wells Fargo is more interested in destroying credit than customer service because they declined my XXXX   dispute to fix this.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

As of today XX/XX/2017 my credit FICO SCORE DECREASED BY XXXX PTS XXXX. YESTURDAY MY SCORE WAS XXXX. THERR SHOULD BE NO REASON MY SCORE DECREASED THAT LOW ... OVERNIGHT. I AM REQUESTING THAT THEY COMPLETE INVESTIGATION AND REANALYSIS MY FICO SCORE TO A INCREASE. I WAS INDICATED THROUGH MY MEMBERSHIP ONLINE THAT MY SCORE HAS INCREASED BY XXXX POINTS XX/XX/2017. INDICATED IN MY ALERTS INBOX ... MY CREDIT FICO SCORE SHOULD BE ABOVE THE SCORE XXXX. 
PLEASE INVESTIGATE THIS AND REANALYSIS MY CREDIT SCORE
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

XXXX XXXX XXXX has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with XXXX XXXX XXXX yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problems due to their illegal tactics. My request has gone ignored & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to XXXX.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (TX)

I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( Honda Motor Credit/American Honda Finance XXXX XXXX The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (IN)

UPGRADE INC., personal loan and XXXX  by my mortgage company, refinanced my house and loan has been paid since beginning of XXXX but still showing open on my credit. They even owed me a refund for overpayment. Yes I've received it but it shouldn't take this long to pay off on my credit.
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (CA)

In XXXX of XXXX, XXXX notified customers they were recalling certain XXXX products because of issues with the insolation foam. XXXX XXXX is attempting to collect money " owed '' to them for services rendered before XX/XX/2021 despite the fact that the machine would've absolutely been defective before then. They have since sent my bills to collections. I have attempted to contact XXXX repeatedly and can not contact their billing services and all other departments punt me off to another department, getting nowhere.
Consumer complaint received 2019-06-11
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. (GA)

In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, Experian, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX XXXX - Account # XXXX Opened XX/XX/XXXX Balance : $ XXXX/// XXXX XXXX XXXX - Account XXXX XXXX Opened XXXX XXXX, XXXX Balance $ XXXX/// XXXX XXXX XXXX # XXXX  Opened XX/XX/XXXX Balance $ XXXX///XXXX XXXX XXXX - Account # XXXX Opened : XX/XX/XXXX Balance : {$900.00}. 
Inquiries : 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 XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-03-14
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: EQUIFAX, INC. (NC)

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

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/2018, I took an XXXX trip from XXXX XXXX XXXX to my home, and was charged {$130.00} instead of {$58.00}. The {$130.00} XXXX charge did not appear on my Bank of America credit card bill until 42 days later ; and it should have been only {$58.00}. The SAME DISTANCE, reverse trip, which occurred 1 week earlier, cost {$58.00} ; so there is no way that this trip should cost {$130.00}. I disputed the excess ( {$74.00} ) with Bank of America, and they resolved it by offering a courtesy credit of {$37.00}. Therefore, this dispute concerns the amount of {$37.00}, for which I should not have to pay Regards, XXXX
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one has literially put some kind of rediculous hold on my funds of XXXX dollars for a week without reason or explaination. Along with that XXXX isnt doing anything as their banking customer to help come up with a solution. So between XXXX XXXX of dollar companies i have had no money available to me for over 6 days which literially immoral and wrong.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

YOUR COMPLAINT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX, collection agency. They are claiming I did not pay for valid services received and are attempting a fraudulent collection by using the credit reporting agencies as an illegal collection vehicle. The original communication was dated XX/XX/XXXX claimed they were collecting a debt for XXXX XXXX and had an amount owed as {$60.00}, they are now attempting to collect {$1600.00}. 

XXXX XXXX sent me a letter in XX/XX/XXXX and on XX/XX/XXXX claiming I now owed {$260.00}. I replied in writing disputing their claim. Their reply was a copy of a original XXXX billing dated XX/XX/XXXX, that showed a {$60.00} balance due. They have never replied to my specific written communication to them disputing their claim and asking for further verification, XXXX said they withdrew the claim on XX/XX/XXXX yet XXXX XXXX is continuing to attempt to use the Credit Reporting system as collection technique. 

No specific response to my denial of the debt was forthcoming and as of this date I have not received any further communication from the XXXX XXXX. My only source of current information is seeing their name on my credit report. 

The above is a Scheme praying on consumers.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

I received XXXX XXXX response. However the company misrepresents multiple facts 1. The claim decision was closed as the transactions were verified as authorized electronic payments. Communication regarding the claim findings was sent via mail on XX/XX/2022. 

Can you please specify which address you've sent you? I've called XXXX on XX/XX/XXXX to ask where I can send the police report. At that point, I was not informed a decision letter has been sent. 

2. I've requested a copy of the investigation results. However, I still haven't received anything as of today. 

3. I've asked XXXX to explain the details and the reasons for the decision. No detailed explanations were given as of today. Can you please provide your compelling evidence and provide detailed explanation of the decision? 

4. An formal arbitration has been filed with XXXX based on the user agreement. However I truly believe XXXX failed in its reasonable investigation. This issue is noting related to XXXX. The funds was withdraw with XXXX directly and XXXX is not the only bank linked to XXXX.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (DC)

First, I'm thankful that you're finally taking the matter of this illegally opened account seriously. 

Second, I am well versed in my rights and know that the course of action you outlined in your response to my last complaint violates my rights ; by now you have received a copy of the FTC ID Theft Affidavit that accompanied a copy of the letter from my wireless carrier. According to the FCRA, once you're received the ID Theft affidavit, you are to stop all collection actions and stop reporting to CRAs until investigations are complete. I also know those investigations are 30 days long, not 90 days. 

Finally, if you do not remove any negative information from CRAs within 10 business days, and if this said investigation takes longer than 30 days, I will file suite on day 31. At which point, every lie you've written on this forum will be shared in open court as evidence of your willful disregard for the truth and laws that govern this environment.
Consumer complaint received 2022-03-14
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. (OR)

I have filed many disputes and have made many calls to them and asked for them to please delete this account off my credit and it has not been done so first they have been reporting illegal reporting stating my delinquency accounts this account is closed and paid off since 2020, and its adding negative remarks I have called and called and sent multiple letters no issue has been resolved instead they just add more remarks.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Please remove these accounts from my report
Consumer complaint received 2018-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LOAN SIMPLE INC. (GA)

Greetings, Loan Simple Inc. is the mortgage lender that I use to refinance my home last XXXX, everything went well and the 1st payment was set up to be made onXX/XX/XXXX, but on XX/XX/XXXX I received a letter saying that my loan was transferred to XXXX and they will start collecting my payments on XX/XX/XXXX, accidentally I made the XX/XX/XXXX payment to XXXX instead of LoanSimple, after a few calls XXXX made me regarding this payment, I contacted XXXX to reverse that payment to LoanSimple, they agreed and sent a check to LoanSimple on XX/XX/XXXX, it looks like it was cashed on XX/XX/XXXX but LoanSimple keeps denying they have received this check and now they are sending me letters about foreclosing my house stating that I haven't made my mortgage payments, that my loan has never been transferred and that my house could be foreclosed if I don't make my mortgage payment. 

My XXXX # is XXXX XXXX loan # is XXXX Best regards XXXX XXXX XXXX
Consumer complaint received 2019-07-31
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. (NC)

XXXX XXXX is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my TransUnion or XXXX  report so I am filing a complaint. They only responded to the XXXX compliant not the other bureaus and the information provided is not accurate. Thanks XXXX XXXX XXXX.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KY)

My student loan originally started with XXXX. They transferred my loan to Navient I was contacted by Navient They stated that I was behind on my loan. After having my XXXX  audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, Navient my XXXX and myself. XXXX forwarded the missing funds to Navient ( see the attached letter ) dated XX/XX/2019. Navient has reported to all three Credit bureaus XXXX, XXXX and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with Navient at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX each time Navients response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

I have filed a dispute with Bank of America ( BoA ) on XX/XX/XXXX. To the date of this letter the clain remaibs open unpaid. Per Regulation E the timeline given is only 45 calender days. Additionally no credit was provided as should have been per the consumers compliance guide and Regulation E. Upon attempting to call BoA they have decided on there own to not only change the time allowed but to also change the focus of said claim. Regardless a electronic transfer as this was is only able to be reaearched for 45 days. The cfpb states you would have had to provide a credit but instead you have filed it wrong about 4 times after i have been told to call and file it differently just to find out i was correct the whole time. This is unacceptable and i demand my funds be placed onto my account and the case be closed in my favor. Iv veen told you have longer by a few employees but nonebof them have provided any proof of that so ill include where it says you dont have more then 45 days.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX, 2022 I logged into my Bloomingdales account online and it said there is an issue with my account and for me to call. I called the number displayed and all I get is a bunch of run around. They keep playing we will send you letter with a code in it game. Now i am not going to keep playing these childish games of account holds without explanation and then want to send letters with codes. Im not going through this everytime something arises with this company. My phone number of XXXX is on the account and I own the phone number through XXXX as I have the last 17 years now. I am self employed as well so the number may appear publicly as The XXXX XXXX XXXX or XXXX XXXX XXXX. The number is mine and this letter game stops now. I have attached my phone bill to show proof that this number is mine and to knock the nonsense off. Further denial to my account when i call in or asking for letters with codes will result in legal action. This has gone far enough. I have had to provide codes from letters almost 3 seperate occasions now. If the phone number on my account is the number im calling from, then use it and stop playing games. I was out of town that weekend of XX/XX/XXXX22 and if I didnt have other credit cards to use then i would have been XXXX because this company doesnt care. I tried explaining this to the rep and she didnt care to hear. Most credit card companies resolve any issue right there and then on the phone and not hindering a consumer from using thier card. This is a complete disgrace and they need to come up with a better procedure then this.