davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I was approved for HAF through state of Florida. 

Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. 

I have tried to contact them via email and via telephone ( 2+ hour wait on phone ) to inquire about XX/XX/XXXX mortgage ( {$1300.00} ) that was sent to them on XX/XX/XXXX. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by XXXX.
Consumer complaint received 2020-08-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX address not mine accounts that were filed to the ftc 60 days ago
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my Chase Freedom credit card customer service claimed they regularly review account and credit information for all of their customers. Based on their review, they decided to substantially reduce my credit line from {$10000.00} to {$3300.00}. Chase claimed their decision was based on delinquency reported within the last 48 months, balance owed on revolving accounts too high, and account in collections in the last 48 months. They also said XXXX was their source and that my credit score was XXXX. First off, I obtained my Chase credit card on XX/XX/XXXX by a " pre-approval '' offer sent by Chase so that trumps their argument of delinquency reported within the last 48 months. Secondly, my revolving credit card balances they claim are too high is below 30 % on most of my credit card accounts. I always pay my bills on time. As of XX/XX/XXXX my XXXX credit score was XXXX. I believe this is a criminal and unlawful attempt to derail my credit worthiness. This decision came without notice, and has now demolished my credit ratios, and is adversely affecting my credit scores. Chase customer service has been very unhelpful. Chase has broken their fiduciary responsibility to  their customers private information.
Consumer complaint received 2016-03-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

This concerns Bayview Loan Servicing 's ( " BLS '' ) refusal and failure to resolve major discrepancies and mishandling surrounding a closed account. After fourteen ( 14 ) months of numerous and continuous phone calls and e-mails to BLS, the issue remains unresolved. Please see the attached timeline for a history of our efforts concerning this matter.
Consumer complaint received 2022-09-02
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. (TX)

Equifax have violated my consumer rights by violating my right to privacy. 
Per 15 USC 1681b prior to the release of my personal information my written consent is needed, which I didn't not provide to them. 

Also, according to The Gramm-Leach-Bliley Act, any and all financial institutes are prohibited from disclosing personal information to third parties.
Consumer complaint received 2017-07-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I disputed fraudulent accounts on my credit report with XXXX, XXXX and Equifax in writing twice. I requested that XXXX, XXXX and Equifax send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @  XXXX I spoke with a Supervisor by the name of XXXX XXXX of XXXX over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF XXXX has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617.
<P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from XXXX and Equifax as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first two letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.
Consumer complaint received 2024-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

My student loans will never go down and theyve price gouged me and I struggled out of college to pay these loans and they have never been helpful. My school was the XXXX XXXX which were a fraud and Navient is still trying to collect a debt on their behalf
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (IA)

i gave a verbal cease and desist and now they are trying to call me on my cell phone wich is illegal. ( 15 U.S.C. 1692c ). they are to stop all contact or ill sue the XXXX out of them. the debt is over the statute of limitations.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

I filed a fraud claim with Well Fargo credit card for 2 fraudulent purchases made on XX/XX/2022 for XXXX XXXX XXXX XXXX {$420.00} and XXXX ) XXXX {$280.00}. I nor anyone in my household or anyone known to me made these charges. Wells Fargo reversed the fraud claim. I sent Wells Fargo letter on XX/XX/2022 stating I did not make the charges nor did anyone else known to me make the charges.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY ()

My Wells Fargo account was forcibly closed by them in XX/XX/2022. I contacted Wells Fargo on how I could receive my funds that were in the account as soon as it was closed. After a lot of back and forth I was told to send an account closure form via mail to Wells Fargo 's address. I sent them the account closure form ( which includes the wire transfer instructions ), they received it on XX/XX/2022. I still haven't received my funds from them and when I contact them they are not giving me clear answers. I'm at a point now where they are not even answering my calls.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: VW Credit, Inc (CA)

Sued Audi for brand new XXXX XXXX that had over 15 service appointments spending months in service over the course of just 13 months of ownership. Audi agreed to lemon the vehicle, and just as this happened a repossession took place. When I spoke to accounting, I was told I had to pay balance in full of XXXX to have the vehicle returned to me even though they were aware of the lemon statutes. I would have paid the XXXX owed to cure a past due balance. I HAD never defaulted before. Had great credit, finances and verifications for everything when I purchased. I recieved horrible treatment and discrimination when I purchased but I needed the vehicle so I proceeded. Audi Financial sold the vehicle. They never contacted me. My rights were violated. And this needs to be wiped from my record or required to be reported positive only. I paid on time until I became dismayed and Desponded with such an expensive nightmare. My car had no air condition in CA, 120 degrees with the system fully blowing! Brake issues, car would stop unexpectedly, fluid leaks, sensor failures, just to name a few issues.
Consumer complaint received 2019-09-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My wife XXXX XXXX has a credit card with Bank of America. She disputed a charge. A generic letter was sent. While the merchant only stated via a phone callthat they did not receive the merchandise, Bank of America also asks for proof that the customer " followed the merchant 's return policy. '' They added requirements to discourage customers. 

They sent a letter dated XX/XX/XXXX from Florida. The postmark on the envelope was XX/XX/XXXX and arrived on XX/XX/XXXX. Bank of America states that the information either be fax or mailed by XX/XX/XXXX. The address is in XXXX XXXX TX and would take several days to receive ( I faxed the information on XX/XX/XXXX. ) The letter goes onto say that " If this information isn't received by XXXX XXXX, we'll close our investigation ... ..If this occurs, your account will be rebilled. '' I spoke to XXXX today ( XX/XX/19 ) and he stated that they did not receive my fax yet. 

This entire process by Bank of America is a fraud upon ALL policyholders because any written response would be outside of the due date. Please investigate.
Consumer complaint received 2022-09-02
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. (NY)

I have tried repeatedly to get my report updated and all three bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through OSCAR system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.
Consumer complaint received 2017-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

I DO NOT HAVE/NEVER HAD A CONTRACT WITH XXXX XXXX. I AM NOT LIABLE FOR THE COLLECTION OF THIS DEBT {$380.00} FROM XXXX XXXX. <P/>I AM NOT RESPONSIBLE FOR THIS DEBT. <P/>*PLEASE CORRECT AND DELETE FROM CREDIT REPORT* AS SOON AS POSSIBLE!
Consumer complaint received 2018-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
Consumer complaint received 2022-09-02
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. (TX)

In accordance with the Fair Credit Reporting act, the following accounts have 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. 

XXXX XXXXXXXX XXXX XXXX XXXX ( {$980.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$690.00} ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( {$830.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$3000.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( {$2600.00} ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( {$1300.00} ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( {$210.00} ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This is a debt for a Visa Card from the XXXX XXXX with a open balance of {$420.00} dollars. 
I contacted them in the effort to settle the account and told them that at the moment I am lay off from my work but I wanted to settle the balance. I told them that at the moment since I am unemployed I can only afford to pay {$200.00} and settle the account. They told me no that the minimum eas {$330.00} dollars.
Consumer complaint received 2022-09-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (MO)

Both XXXX XXXX and Bridgecrest Acceptance Corp. have violated me under federal laws though the retail installment contract. I have disputed the debt several time and have not received proper validation from neither company. This complain is to notify both companies THAT THIS ALLEDGE DEBT IS DISPUTED ( please see attached ). This complaint also includes my RIGHT OF RECISSION ( please see attached ) that was never disclosed during the credit transaction. The debt validation MUST come from the accountant of each company.
Consumer complaint received 2022-09-02
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: ENCORE CAPITAL GROUP INC. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Midland credit management {$740.00} and {$630.00} XXXX bank {$830.00} XXXX XXXX {$0.00} balance charged off as bad debt
Consumer complaint received 2017-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (OH)

In XX/XX/XXXX I filed Chapter XXXX Bankruptcy in the state of Ohio. I was able to keep my car and my home because I had made all of my payments on time. Also, since I had made all of my payments on time my mortgage and my leased car were not included in my payments to the Chapter XXXX Trustee. I was able to keep making those payments on my own. <P/>After filing bankruptcy Pacific Union Financial made my account for my mortgage inaccessible. They made it so I could not use my " Bill Pay '' service through XXXX XXXX which was the method I used to pay my mortgage. They stopped all mail correspondence about my loan. They even made it so I could not access my account on the website. I ca n't even login to see any of my documents associated with my loan. Not even tax documents. They do not even provide receipts for payments made. I ca n't even call customer service to get information about my loan or to make a payment. The only way I can make a payment is to mail it in. Then once I mail a payment it takes weeks for it to come out of my checking account. There is literally no way for me to access ANY information about my mortgage. <P/>I spoke to someone with the Consumer Financial Protction Bureau in XX/XX/XXXX. The woman instructed me to send Pacific Union Financial a certified letter stating my concerns and asking for them to help me. She told me they must respond to my letter within 30 days and if not I needed to file a complaint with CFPB. It is now XX/XX/XXXX and I still have not received any response from Pacific Union Financial. That is where I am right now. <P/>Since sending a certified letter I have contacted them multiple times. They have not helped me at all. I even contacted them in regards to my tax documents needed to file a tax return and was informed by a customer service representative that they wait until the last day in XX/XX/XXXX to send any current bankruptcy clients their documents. Why would they do that? <P/>Unfortunately, due to my account being inaccessible and the amount of time it takes for my payments to come out of my checking account I believe I have fallen behind on my payments. I am at the point that I do n't even know which payments have been made and no one will help me get back on track. I am worse off now than I was before I filed bankruptcy.
Consumer complaint received 2022-01-07
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

On or about XX/XX/2022 I was looking at my credit report and noticed a collections account open on my report from a company called XXXX XXXX XXXX with an amount of {$1300.00}. I have never dealt with or have any knowledge of ever doing business with this company nor has anyone been in contact with me in regards to this collection account. I believe someone has fraudulently taken out credit in my name without my consent. I have called and spoken with a gentleman on XX/XX/XXXX from XXXX XXXX XXXX and he took down my information but, has never reached back out to me.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (NC)

CASHAPP Called cashapp customer service on XX/XX/XXXX  at XXXX to recieve additional help from customer service representative and they concluded that they could not provide access due to security reasons and yet I provided everything they requested such as the email I used and confirmation codes being sent to both the phone number and email I had on file. Just want to have access again to get my money back because it was my hard earned income. I don't understand why when I can provide additional documentations such as Driver License and still have access to ID.me so verifying is not a problem.
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The account was closed but a refund from the escrow account was due. The mortgage borrower has passed away. I am the court appointed administrator. The loan number is XXXX despite repeated calls and letters the bank has refused to issue a refund of the escrow to the estate of the borrower.
Consumer complaint received 2021-09-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

Dear credit bureau, I recently reviewed my credit report and notice the following errors that are negatively affecting my good character and reputation. 

US DEPT OF ED XXXX Please delete this account from my credit report because it is reporting inaccurately in multiple categories. Which is a violation of my consumer right and the fair credit reporting act. 
- open dates - Last reported date - Last active - Latest payment ; Please update me with a new report once the investigation. Thank you for your time and consideration.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (FL)

My Mortgage is with Provident Funding, it was started in XX/XX/XXXX. Payments were regular and on time. In early XXXX we had Hurricane Irma here in Florida and it tore down my fencing. As a natural disaster I obtained a forbearance with the thought of skipping mortgage for 2 months to pay for the fence. Unfortunately I became XXXX soon after and was not going to receive insurance for awhile so I used the full 6 months of the allowed forbearance which is within all rules and regulations set by the lender. Unfortunately there are no regulations to limit lenders on how the " restructure mortgages ''. Although there were options that I could not afford, the only option I could proceed with was to add 10 years to my term, which equates to ~ $ XXXX for the $ XXXX of forbearance! To me this is criminal and should be considered a predatory mortgage. When I complained to Provident Funding they said it wasn't there fault it was the fault of XXXX and XXXX, the underwriters of the loan. As I stated earlier, I'm XXXX and on XXXX only now, I've paid curent for the last 2 years, but I consider this awful and illegal and feel there must be some regulations against this corrupt restructuring. I want out of this loan but of course, I've struggled and my credit isn't the best. Please advise why there are no regulations to limit the profit a lender can make while restructuring after a legal forbearance? Best Regards, XXXX
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

XXXX  refuse u tell me why I still have a balance and the represanative hanged up the phone on me What ever purchase I did I returned and I still have balance????