davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-11-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP (GA)

In XXXX, I cosigned for a friend, XXXX XXXX, on his automobile which was a XXXX XXXX XXXX. The car dealership was called XXXX XXXX XXXX and it went out of business some time later. At the time, the car was worth {$3800.00}, and it was a lemon. XXXX was an abusive man and went to jail some time in the late XXXX and stayed in XXXX for 10 years. I was not working at this time because I had a young daughter with XXXX. She was born with XXXX XXXX. In XXXX, I began working at XXXX XXXX and as soon as I started working, an attorney contacted me requesting payment for the car. I have been paying {$120.00} a month for the last 12 years without missing a payment. And this debt has been sold from law office to office. Currently, it is XXXX XXXX XXXX that is contacting me for money. This last month, my granddaughter ( who is currently in a XXXX  hospital ) stole money out of my account. I tried calling XXXX XXXX XXXX two weeks ago to inform them that I would not be able to pay using my bank account, but I still paid today ( XX/XX/XXXX ) using a credit card at XXXX XXXX. Even though I still made my payment, they are contacting me and telling me that my account is under review and that are going to garnish my check. I am tired of being taken. I have payed over {$13000.00} and they are telling me that there is still {$12000.00} left to pay. I don't know what to do at this point, and any help would be greatly appreciated.
Consumer complaint received 2022-07-07
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. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX 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 XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

PNC will not allow me to make my XXXX payment, either through processing the auto draft that they have been using for the past months since they took over from BBVA, or by any other means. Customer service can not explain why. My account shows a payment due currently and there is literally no way for me to pay it. There is no eta on when I will be able to pay my mortgage.
Consumer complaint received 2020-09-25
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. (VA)

I have been sending dispute letters asking for these egregious accounts from XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Consumer complaint received 2021-05-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I am active duty military and purchased my new construction home in XX/XX/XXXX. Lakeview XXXX serviced the mortgage from XX/XX/XXXX to XX/XX/XXXX. During that time, an associate at Lakeview XXXX contacted me about refinancing and lowering my monthly payments which were {$3200.00} ( {$2500.00} P & I + XXXX escrow ) at the time. 

I started the refinance process with Lakeview XXXX and noticed that UNIT # had been left off the address and the property tax estimate was wrong. ( Thus, I am being charged/taxed for the ten townhomes on the property instead of the one townhome that I actually purchased and live in. ) I was assured it would corrected at closing. At closing, the address and property tax estimate was still not corrected and I was told it didnt matter because the property tax parcel number was correct and the escrow would be updated. 

After closing, I noticed the address and property tax estimate still had not changed and my mortgage had jumped from {$3200.00} to {$7300.00} ( {$2400.00} P & I + {$4800.00} escrow ). I began calling Lakeview XXXX to get the address and property tax corrected. 

I paid the first months mortgage in full thinking it would be corrected. It was not. I continued calling Lakeview XXXX and nothing has changed. My address is still wrong and the property taxes are not correctly estimated more than 4 months later. I have borrowed money to keep my account current but now have less that 20 days to make another payment which has now increased to {$7400.00} effective XXXX! 

I simply can not pay a miscalculated and grossly inflated escrow amount based on a Lakeview XXXX error that they refuse to acknowledge and correct. 

I never expected that responding to Lakeview XXXX offer to refinance at a lower rate would end up being the biggest mistake of my life and force me into foreclosure.

Now, I am begging, anyone who can, to work with me to see that this is an error on Lakeview XXXX part in that their Closer did not analyze the correct property taxes and if the property taxes were properly analyzed, my monthly payment and escrow balance would be adjusted ASAP. 

I am deeply disappointed in the total lack of customer service I have received from Lakeview XXXX regarding this matter. The result has been been devastating as Lakeview XXXX has sent notices of my potential foreclosure to the Credit Bureau, Veterans Affairs, and my commanding officer, and a Notice of Default and Intent to Accelerate Foreclosure was sent to me on XX/XX/XXXX. 

Lakeview XXXX has had four months and multiple conversations regarding the facts in this case and has yet shown any willingness to correct this error!
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BCI FINANCIAL GROUP, INC. (FL)

City national bank, have put me in a stressful and mentally unstable due to their incompetence with my forbearance. Attached fine the letter they send me offering three month of forbearance I will never except anything from them after 8 month of trying to reach out to them. At no time have they CREDIT my late fees of 200 or more plus 30.00 of property inspection. My loan payment went up due to these fee that I was cover under the forbearance act. At no time the loan manager or their assistants have reach out to me I had to take a loan to pay all that past due amount which was not past due. My credit has also been affected because of the late payment they have managed to destroy my credit. The stress and mental issue they have left me is undeserving at these horrible time we are dealing with. Including losing my job after 14 years due to COVID19. My loan increase 50 more dollars due to all the late fee the escrow acct become -. I hope this is resolved soon. Thank you. 

I cant believe that at no time in this letter offered me all my fees back!!
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (IN)

In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove.

These three reporting agencies reported to my credit report when these were my ex husbands cards and accounts. I was not a joint holder on these accounts. These were all closed with XXXX  balance and these accounts were his to pay off in the divorce. After the divorce these showed up as late marks on my credit. I never used these cards or account and we werent even married in these months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc. (NY)

On several dates ranging from XXXX XXXX XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and XXXX  Data breach and have got no response.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

On XX/XX/XXXX, I closed on a {$300000.00} mortgage for 15 years at 3.25 % with Caliber Home Loans. On XX/XX/XXXX, I made the first of XXXX bi-monthly payments via an ACH draw on my bank account. Each monthly payment was in the amount of {$2100.00}. On XX/XX/XXXX, I received a letter from Caliber Home Loans stating that I was in arrears in the amount of {$4200.00}, which would be XXXX monthly payments. They threatened to report me to the credit bureaus. I was not in arrears and stated that in a message posted to their customer service message server and asked them to state that they would not report me to the credit bureaus. 

When I did not receive a response from Caliber in the promised two business days, I initiated a refinance with XXXX XXXX for a 15 year mortgage at 2.625 %. That mortgage closed on XX/XX/XXXX and the payoff amount requested by Caliber was {$290000.00}. The outstanding loan amount, calculated by using an amortization table, was {$290000.00} and the refund owed to me by Caliber was {$2100.00}. On XX/XX/XXXX, I received a check from Caliber in the amount of {$1200.00}, which is {$840.00} less than the amount owed me. 

Well before I received this check, I filed a complaint against Caliber with the XXXX XXXX XXXX. I also filed a complaint against Caliber with the CFPB. I declined to accept the explanations offered by Caliber and, in my last response to Caliber, I requested a detailed statement from them showing how they arrived at the {$1200.00} figure. They refused to cooperate with the XXXX  and the complaint was closed with suggestions on how to proceed further. Caliber closed the complaint I had filed with the CFPB, stating that since the mortgage had been paid off, there was no justification for my complaint. 

If Caliber had responded to my initial complaint and worked with me to resolve it, I would never have filed with the XXXX or the CFPB. But Caliber did not do that. They made no attempt, at any time, to reach out to me to discuss a resolution to my complaint. I had no option but to file the complaints I did as trying to communicate with Caliber is an exercise in futility.
Consumer complaint received 2021-05-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (OR)

In XX/XX/XXXX I voluntarily surrendered my ex-wife 's vehicle which was purchased in XXXX. At the time I was told the vehicle would be sold by private disposition and I would be notified at a later date if there was a balance remaining. I never received anything. I pulled my credit report and saw an entry from Wells Fargo Dealer Services stating I owe {$890.00}. I contacted them by written letter dated XX/XX/XXXX to find out what this was about which was sent certified via XXXX and was signed for on XX/XX/XXXX. I did not receive a response so I contacted them again by written letter dated XX/XX/XXXX, also sent certified via XXXX  and was signed for on XX/XX/XXXX. Still no response so I contacted them again by written letter dated XX/XX/XXXX, also sent certified via XXXX and was signed for on XX/XX/XXXX. I finally received a response from them via a letter dated XX/XX/XXXX. In this letter they enclosed some documentation including the Voluntary Surrender agreement which I originally signed. There were several other items I had never seen before including a Notice of Our Plan to Sell Property, a letter dated XX/XX/XXXX, a letter dated XX/XX/XXXX, a letter dated XX/XX/XXXX and a letter dated XX/XX/XXXX. All of this correspondence was sent to an address I moved from previously and my current address was clearly shown on all correspondence I had sent them. Please note that the first letter they state they sent previously was dated prior to any correspondence I had sent. This letter also stated that more than 2 years after the sale of the vehicle, on XX/XX/XXXX, they received a refund from a service contract I purchased with my vehicle which reduced my balance by {$450.00} so my balance due is {$440.00}. I responded with a written letter dated XX/XX/XXXX sent certified via XXXX and signed for on XX/XX/XXXX requesting, again, that they remove all references to this account from my credit profiles since they were negligent in sending me anything previously about a balance due and I would agree to pay this balance. I received a letter from them dated XX/XX/XXXX stating they needed more time to complete their research and they expected to be able to respond by XX/XX/XXXX. When no response came, I followed up again, by certified letter sent via XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX, again requesting resolution to this matter. I received another letter dated XX/XX/XXXX also stating they need more time to complete their research and they expect to be able to respond by XX/XX/XXXX. This has gone on long enough and I feel these are simply stall tactics. I would appreciate any assistance you can give to remedy this situation.
Consumer complaint received 2022-07-07
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: CITIBANK, N.A. (FL)

Citibank credit card is double charging me for an order that I had already paid. When I was charged again a XXXX charge on my card I brought it to the attention of the credit card company as an unauthorized charge as I never place a duplicate order with the vendor. The credit card company is saying to bad I must pay again or they will ruin my credit.. I repeat I never made a second order with that vendor nor did I receive a second order. The first order arrived in two seperate days
Consumer complaint received 2022-03-13
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. (NC)

On or about XX/XX/2021 I sent a dispute to TransUnion LLC for money alleged owed to XXXX XXXX  XXXX in the amount of XXXX dollars as a charge off I have challenged the amount owed. And have requested all documents that may bear my signature or social security number. Thirty days later TransUnion failed to mark the item as disputed, or give the method of verification used to support the reporting of the inaccurate amount of XXXX dollars, On or about XX/XX/2021 I sent a second dispute notifying TransUnion LLC an explaining to TransUnion that I have still not received the method of verification and to no available conclusion no information has been provided to consumer. On XXXX XXXX I sent a third dispute letter and a copy of my counter claim to the civil suit with XXXX XXXX XXXX for Violation of the Fair Credit Reporting Act. XXXX XXXXk XXXX XXXX file initial civil suit around XX/XX/2021 ) Consumer filed a request for production with the Court and received a response from XXXX  XXXX XXXX that they would investigate the matter and produce all documents pertaining to my counterclaim. ( Also sent to TransUnion for it pacifically stated they had to investigate ). About XX/XX/2021 TransUnion still refused to give consumer method of verification or remove the inaccurate reporting of the XXXX off my credit report for TransUnion willful disregard of the FCRA. Consumer then sent a Notice of Cease and Desist of reporting the inaccurate information ; alleged amount owed for the reason that XXXX  XXXX XXXX pacifically stated they had to investigate my counterclaim to their civil case. To date XXXX XXXXXXXX XXXX has still not verified any request but has ask for an extension of time through the courts and TransUnion still has not verified any information they are reporting under this account. 
For these reason I turned to the Consumer Financial Protection Bureau after numerous attempts amongst both parties ( XXXX and TransUnion ) and neither one has accurately investigated or reported the information as it relates to FCRA and the Consumer.
Consumer complaint received 2022-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Last year on XXXX we had trouble paying because my wife lose her job due to COVID and we spent our savings paying for all, we requested the COVID forbearance, we just skipped few payments on XXXX we approached Freedom mortgage, they said we qualified for refinancing and sent us some paper work we motorized and sent it back, the bank said the notary messed up the documents, they sent another one with another notary they received it XX/XX/XXXX In the process we kept paying monthly what they said we should pay with the refinancing, today XX/XX/XXXX that havent refresh our account, the system shows we are way far behind, the money we have been paying is on the payments history but it has not been applied. We have been calling every two to three weeks and they say sorry about that, they are getting behind but no resolution, I was reported on the credit bureau,
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a letter off on XX/XX/2022 as well as made a phone call. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is to share my information to third party people. 


These are clear violations of my federally protected consumer rights.