davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I filed a previous complaint with the alleged Servicer and they have failed to reply. In my inquiry, I stated that I have not received documentation proving that the original promissory note was sold by the original investor to XXXX and then from XXXX to anyone else. I stated that I have submitted various modification requests during this year with no response. I further stated that the {$6300.00} paid directly to XXXX XXXX by the bankruptcy trustee and is unaccounted for on the loans payment history. Additionally, you I provided a copy of a document from the United States Bankruptcy Appellate Panel ( BAP ) regarding Subpoena prusuant to FRCP 45, for an evidentiary hearing and oral argument on XX/XX/XXXX. Loan Background and Status The loan originated on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX  XXXX dba XXXX. The previous servicer of the loan was allegedly XXXX XXXX, XXXX. XXXX allegedly became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX and an automatic stay is pending. In a previous response Caliber, failed to addressed concern regarding the payments submitted by the bankruptcy trustee, and they failed to verify that all pre- and post-petition payments were accurately posted to the loan and were reflected on the loans payment history. 

Caliber failed to provide the United States Bankruptcy Appellate Panel ( BAP ) the requested documentation. I told Caliber that I had submitted a loss mitigation application to be reviewed for a loan modification during a conversation with them in XX/XX/XXXX ; however, they claim they did not receive any documentation from me to initiate the loss mitigation process until I filed a complaint the the CFPB, and finally received documentation for a loss mitigation application package on XX/XX/XXXX. Now they claim that additional documentation is required, so they advised of such required documents which have been addressed and remitted and I am waiting for a reply. For additional information or clarification regarding the required documentation, they asked me to contact their Single Point of Contact ( SPOC ) Department at the number below. The documents were submitted by fax to XXXX, and mail to their Loss Mitigation Department at XXXX XXXX XXXX, XXXX  XXXX, OK XXXX, by email to : XXXX, or by uploading them through their website. Also they stated if I have additional questions or concerns regarding the loan, to contact their SPOC Department at XXXX. I attach a copy of the BAP Order they have ignored.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

In accordance with the Fair Credit Reporting act XXXX {$570.00}, 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 a account without my written instructions. I HAVE NOT PROVIDED chexsystems written permission to furnish information on my consumer report therefore chexsystems is in violation of federal law under 15 U.S.C 1681 Section 604 A Section 2. Failure to remove the information from my consumer report will result in legal action. 

Remove the information from my consumer report immediately or face legal action.
Consumer complaint received 2019-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I made a {$330.00} credit card payment from my XXXX XXXX   account to Capital One on XXXX XX/XX/2019. Although Capital One received the full payment, the financial institution refuses use of its line of credit. Representatives from Capital One stated in phone calls on XXXX XX/XX/2019 there was a seven day hold on the payment until XXXX XXXX verified the funds. Twice on XXXX XX/XX/2019, Capital One representatives contacted XXXX XXXX   which confirmed there was a pending payment. 

Capital One placed a seven day payment hold effectively freezing all account activity and subsequently blocking all transfer of funds. Capital One makes decisions to allow payment processing and use of its lines of credit based on its discretion, despite having verified funds from another financial institution. 

I stated to the Capital One representatives that it made no sense to disallow use of credit lines by placing a seven day payment hold. I also stated it made no sense using their services because I couldn't use their credit card. Furthermore, I expressed anger at the fact Capital One had the power to hold funds in suspense without granting privileges even after contacting my financial institution.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (TX)

My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. Credit Karma also has an account with another person on it. I did call and got things fixed with XXXX but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with XXXX and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-10
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. (GA)

am sending again a complaint in regards to the inaccurate and unknown things on my credit report. It has been over many days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please remove these items. Do so, to comply with FCRA which requires all reporting to be 100 % accurate. Here are the list of items that needs to be delete in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (GA)

I deposited money in to the crypto trading app Kraken XXXX  times successfully then I got an error message saying to contact customer support to deposit any further funds. I then contact support who tells me to send the front and back of my debit card and bank statement. I send everything they ask for and wait a week and counting, contacting them every other day for an update. Two days after I contact them I suddenly cant even log back into my account which has my funds in it. When I called customer support again they said I cant do anything about it and he hung up while I was speaking. Absolutely rude and a complete scam.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX  report XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT PAYMENT ON A LOAN ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE
Consumer complaint received 2023-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

on XX/XX/XXXX my car company us auto sales went bankrupt and was told my loan was being transfer over to west lake portfolio mangement. my vehicle broke down due to transmission failing and called west lake to correct the problem since us auto sales say my loan was transferred. west lake agreed to put a request in because i was spending over XXXX XXXX to get my car fixed and west lake was not honoring the service agreement even t. on XX/XX/XXXX my vehicle was repo and i was told my payments were behind on the vehicle. i told west lake that i had to get my vehicle service since they did not honnor the service agreement with us auto sales. then west lake also said that i haven't paid on the car since i had for 2 years which is a lie and have payments to prove it. then they are charging me full price for my vehicle when i first got the vehicle 2 years ago in XX/XX/XXXX. they were telling me my whole loan started over but i never agreed to any loan starting over and did not get any phone call from us auto or west lake. and it still show that us auto is still the lein owner of my vehicle not west lake and they are not explaining any details from us auto sales contract.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

In XX/XX/2019, I received a call from Citibank about my mortgage. The lender offered to improve my rate, reducing the rate init from the current fixed rate mortgage. He started the process without any signature, and when I received all the documentation in my house, I realized that the rate was fixed for a shorter period. I wasn't interested at all. 

I called him and wrote to him to honor our conversation or stop the process. I told him not to do the appraisal. I suppose he forgot it and didn't stop it. The bank charged {$1000.00} for the non-authorized assessment one week later. 

As of today, I am an excellent Citibank client, and I have allowed them to refund the money and solve the issue. Nobody has wanted to take responsibility for that, and after XXXX years of brach visits, calls and emails I decided to present this complaint. 

The lender tried to lie to me about the maturity of the mortgage. Later, despite being a Citibank employee, he introduced me to his wife, an independent mortgage broker. 

Finally, he sent me an appraiser, and he didn't refund the cost. 
Of course, the Citibank lender had a wrong behavior and made a mistake, but Citibank should have solved this problem immediately.
Consumer complaint received 2022-10-10
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. (TX)

My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my personal information.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (MI)

Chime banking gave me a provisional credit involves a dispute XX/XX/2022 The dispute helped to stop payment I closed the dispute Payment was not made notification from the dispute and I was notified to re submit payment with a additional expense added for nonpayment I paid on XXXX XXXX the amount of XXXX plus XXXX of penalty fees Chime bank on XX/XX/XXXX deducted XXXX from my account labeled incorrect and without notifying me I receive XXXX benefits and live on a fixed income chime bank has caused a major hardship Spent 5 daysv since XX/XX/XXXX to resolve issue additional errors were created by the customer service reps in resolution process Documentation of chats and emails available as verbal communicate simply impossible The XXXX that was deducted by chime to recover the provisional credit shouldnt of happened because the company was not paid My current bill to the same place that the dispute is now demanding XXXX money and I dont have it because of chimes actions and now financial penalties and created troubled relationship
Consumer complaint received 2022-10-10
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)

My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my personal information.
Consumer complaint received 2023-08-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Disputed unauthorized accounts with Portfolio Recovery Associates and XXXX XXXX XXXX in XX/XX/2023, XX/XX/2023, and XX/XX/2023. I've asked for the following legal documentation several times : XXXX. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and XXXX XXXX XXXX with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 

XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCPA, and XXXX. 

XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 

XXXX. A XXXX release form with my wet signature as proof of my consent As of today, all I have received in a statement. A statement is not legally binding. Anyone can generate a statement and mail it to you.
Consumer complaint received 2022-02-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX / XXXX / {$5200.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2021 my sister sent me money through our chase banks. She sent me too much so I was trying to send it back to her. Apparently the account being open on XX/XX/2021 was a problem for Chase bank as I was new and made too many attempts to send the money so they locked my account. I contacted the bank on the morning of XX/XX/XXXX to have my account open so I can pay my bills including my rent. In the 11 years that I am living here I have never been late this will be the first time. So I was asked some security questions which I answered correctly on my end. The issue was when the XXXX XXXX address came up I said I never lived there which I didnt my brother did. This was supposed to be removed from my account. Even after explaining that I never lived there they refuse to release the freeze and I am told now I need to wait for my debit card to come so by the time I get the card in the mail all of my bills will be late. All because I told the truth about not living on XXXX XXXX. At the time my brother lived on XXXX I was residing on XXXX XXXX XXXX XXXX I have been on the phone since XXXX it is now XXXX XXXX and nothing has been resolved I even offered to send them photo id and ssi card I was told that wont work. They kept telling me I need to go to a local branch and I keep telling them I dont have one so again their solution is go to a local branch. I offered them the tracking number to my debit card and they again said that wont work All I know is I answered the questions correctly and the one customer rep said I did yet they refuse to release the hold
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-12-03
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: Avant Holding Company, Inc. (NY)

On or about XX/XX/XXXX I reported fraud on my account. This particular website had an update and I didn't have access to my billing statement. I just saw what was owed and freaked out because it was maxed out. Upon further conversations with XXXX through an email I realized what was fraud and what wasn't. The total charges that should be fraud are XXXX not {$960.00}. I received a letter on XXXX stating that the charges were made from me. I asked why and I got a response that I used the physical card in the middle of the fraud claim. There are many ways scammers can skim and copy a credit card including a chip. Some of the charges that were startling was from XXXX, NY which is XXXX miles away from me on a date that I was with my Mom and daughter in my home town. Another charge for XXXX and I have never stepped foot in that store as I am a plus sized woman. It goes on to XXXX, XXXX 's, It's XXXX, XXXX and XXXX, XXXX  etc... I contacted these merchants and they have never seen me until I stopped in to investigate. I would like proof that these transactions were indeed mine because they were not. I have called them and left voicemails, I've called and left messages with Avant, I have even faxed them. 
On XXXX I filed an escalation claim with Avant and was told I would receive a response within 14 days. I didn't hear a response. I then faxed them on XX/XX/XXXX and no response. I called and left another voicemail on XX/XX/XXXX and XXXX and was told that it takes 90 days for them investigate from an Avant XXXX Their response on XXXX is that I email them. The email on file that they have has been compromised. I no longer have access to it. Probably another further indication of identity theft/fraud.
Consumer complaint received 2021-10-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (OH)

ok.. @ nelnet has been sending me the same letters over a XXXX student loan that amounts to like {$4000.00} tht ive lived in poverty most of my life and could not repay so now this {$4000.00} loan from XXXX has ballooned to {$40000.00} they claim in repetitive letters.. and then they say i can have this discharged by sending letters of disaability ( which i have sent proof ) every time im on ssdi and have been for over 25 years living on {$790.00} a month.. when i send it then they say i have to have a doctors proof as well.! they wont stopp harrassing me! letter after letter.. last one was sent on XX/XX/XXXX, XXXX they keep saying wage garnishment may take pplace! i need help with this it is ridiculous..it was a XXXX XXXX SUBSIDIZED LOAN XX/XX/XXXX XX/XX/XXXX THEY JUST WONT STOP IT IS XXXX! AND THEY KKEEP ON NO MATTER HOW MUCH PROOF SEND THEM