davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Mortgage info : Payment due XXXX of month, delinquent XXXX of month. 

XX/XX/XXXX First payment due to Caliber Home Loans. I set up XXXX with a money market XX/XX/XXXX scheduled XXXX engaged. 
XX/XX/XXXX XXXX was reversed unbeknown to me. 
XX/XX/XXXX I received notice the XXXX failed. Apparently the money market account is a checking not a savings account. I called XXXX customer service. After XXXX minutes on hold XXXX told me to make the correction ( change bank account type to checking ) online. He said they had a new system and he couldn't help me on the phone. However, I was unable to make any changes to XXXX online because the date was too close to the transfer date ( XX/XX/XXXX ) and a notice told me to call a representative! 
XX/XX/XXXX I made a phone payment ( conf # XXXX ) to cover the XXXX autopay failure. 
XX/XX/XXXX XXXX I called Caliber and confirmed the XXXX payment had been successfully applied. I was able to change the money market account type to checking online. 
XX/XX/XXXX XXXX Called Caliber again to make sure the autopay would work. XXXX told me the bank information on file was correct and should work fine. She said she would email me verification and call discussion. I also requested a waiver of the {$50.00} fee since I was trying desperately to correct this issue and make my payments. She indicated she would try to waive the fees. I never received the email of our call discussion or verification. 
XX/XX/XXXX XXXX scheduled autopay attempted. I checked my account daily. 
XX/XX/XXXX Seeing no deduction in my bank account for the payment ( payment appears successful on XXXX website ), not wanting to be delinquent, I made an online payment for XXXX payment. XXXX applied it INCORRECTLY to XXXX indicating my XXXX payment is past due. 
XX/XX/XXXX Sent letter of explanation to Caliber. No response. Receiving default letters. 
XX/XX/XXXX XXXX rejected. More fees applied. Credit dinged on XXXX. More default letters arriving from collection agency. Caliber removed autopay option. 
XX/XX/XXXX XXXX, not seeing a deduction on my bank account, made an online payment for XXXX. Caliber INCORRECTLY applied to XXXX. Still indicating my XXXX payment is past due. I sent a XXXX XXXX of explanation which they received XX/XX/XXXX. I have had no response from Caliber. 
XX/XX/XXXX On hold for XXXX minutes. XXXX listened and worked through my payment and misapplication dates.She stated they would be allocated correctly in 3 days and my credit ding would be reversed within 7 days. Nothing has changed as of XX/XX/XXXX. 
The only payment I am delinquent on ( though not from lack of trying! ) is XXXX. I have never been delinquent on any payment anywhere. 
I have screen shots of their website changing my information and reverting it back later. They have turned off XXXX and back on multiple times. The information on their website regarding my account is incorrect, inaccurate and deceiving.
Consumer complaint received 2023-07-02
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (TX)

XXXX XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information GLOBAL LENDING SERVICES it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal.
Consumer complaint received 2021-06-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (NY)

I received a letter from XXXX XXXX about an attempt to collect. I responded to said letter with a request on proof of verification, which has yet to be responded by from XXXX XXXX. I sent the letter by Certified mail, tracking # XXXX XXXX XXXX XXXX XXXX confirming they did in fact receive this on XX/XX/21.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

I attempted to dispute this debt beginning with XXXX for Creditor JPMCB Account Number : XXXX on XX/XX/2021 requesting validation of a debt with the Creditor followed with a second form of communication on XX/XX/2021 along with a Formal complaint dated XX/XX/2021. In addition to the formal complaint I sent a second Formal complaint again on XX/XX/2021. 

On XXXX XXXX I sent third written request and final warning via mail To XXXX.
Consumer complaint received 2022-02-28
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. (CA)

There is a account on my credit report reporting as child support/family support and courts do not even report to credit bureaus. This could be any ones account but they keep saying its mine. My signature is no where to be found and there is no evidence that this was reported with VALID verification. I have asked for it be removed multiple times and i have even called the courts who say the do not report to credit bureaus so they say dispute with credit bureaus but every time there is always a invalid investigation when i dispute with the credit bureaus.
Consumer complaint received 2023-07-01
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

They allowed my Xhusband to remove me from the deed, but keep reporting to my credit. Then they keep letting him advance on that loan without my knowledge. It's destroyed my credit. Maxed out my debt to income ratio as well. I literally can never get it off because they allow him to keep pulling from the equity on a loan that doesn't just affect him. I have had to pay thousands and thousands of dollars in extra interest when I purchase things because of it. Not to mention what this is doing to my credit score and stopping my ability to advance in a career in the financial industry. I have worked in this field for 25 years and I have never heard of this happening to anyone else.
Consumer complaint received 2018-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I have had nothing but problems with Ditech. I had a loan modification while I was injured and not working. Which was in it self a very taxing experience.they lowered it XXXX dollars for a while and then without notifying me raised it back to original payment and turned it into a new 30 year loan without my concent. I was already 20 years into my loan.also they stated I was short in my escrow account and raised my payments. And now they have notified me again Im short and I need to pay them again. In 20 years of my loan this never happened with other mortgage companies until Ditech took over. Please help me.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

it is the responsibility of the credit monitoring companies to make sure that all information is accurate. upon reviewing my credit report there are several things that are cause for concern. accounts that i never gave consent to report and never provided any proof of ownership. these accounts are severely impacting my ability to obtain credit.
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/XXXX I settled with the Debt Collector Midland Credit Management On XXXX XXXX and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureaus. Midland Credit Management has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). XXXX {$1300.00} XXXX {$520.00} ... On XX/XX/XXXX Midland Credit Management tried to double-dip on a collection that doesn't belong to me and reported the amount to the 3 credit bureaus which resulted in a negative effect as I am currently going through the process of closing on a home.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX Transunion is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Upon review of my credit file, I noticed inaccurate information. On XXXX XX/XX/year>, I set a debt validation letter to this company. Resurgent Capitol Services/LVNV Funding received the letter XXXX XX/XX/year>. An account summary was sent out 6 Days later. At this point I did to receive verifiable proof that I committed to a contract. A second letter was sent to the same company on XXXX XX/XX/year>, asking for the same information. Resurgent Capitol Services/LVNV Funding received the letter XXXX XX/XX/year>. Another of the account summary was sent out 6 Days later. At this point I still have not received verifiable proof that I committed to a contract. A third and final letter was sent to the same company on XXXX XX/XX/year>, asking for the same information. Resurgent Capitol Services/LVNV Funding received the letter XXXX XX/XX/year>. Another of the account summary was sent out 7 Days later. This company has failed at providing me a contract that I physically signed and what the amount is for. Is this a made up amount? That is what I would like to know
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XX/XX/2021. The HELOC was paid off with XXXX bank. XXXX bank are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XX/XX/2021. The HELOC was paid off with XXXX bank. XXXX bank are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: O&L LAW GROUP, P.L. (FL)

I have a debt of XXXX  XXXX XXXX which was written off by the bank XX/XX/XXXX without my knowledge. I went to the bank XXXX XXXX since a law group kept on delving on XXXX XXXX Clerk File and garnishing salary from my work.This case has been closed.I paid a lesser amount to the bank to close this debt XXXX I sent them checks. I will greatly appreciate if this case will be resolve.
Consumer complaint received 2019-07-09
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: Experian Information Solutions Inc. (TX)

Ive had a charge off with XXXX XXXX credit card thats been on my credit report since XXXX. Problem is, not only do I not know how this account got on my report, but neither does XXXX! Yet it remains there. Finally, today, fed up with the negative mark on my credit reports, I decided to give it another shot and call them. Ive already disputed this with the credit bureaus several times, but each time this company validated that the information they reported was correct. I asked today l, XX/XX/XXXX how much it would cost to just pay them to get rid of this, even though I truly believe its fraud. They were actually super nice and friendly, but after talking to the higher ups in the company, they said they couldnt accept a dime from me because they have NO record of me ever having an account with them. Thered be no way to apply it to my account because there is none! I asked them so if it actually were my debt and I wanted to pay it, how would I? They stated that I couldnt have. That thered be no way for them to accept money from someone theyve got no record of owing them. I then asked the woman, XXXX, ok, well then what is it youve been using to verify my account when you reply to the disputes Experian keeps sending you? She stated that it wouldnt be possible for them to verify something that doesnt exist in their system. I then asked is it possible this mystery debt was sold to a collection agency? She stated that they only do in house collections, and that even if it were sent to an outside collector, they never get rid of that information. So naturally, my last question was well can you remove it from my credit file? She stated that shed love to since clearly this is affecting me ( and my ability to purchase a house as the lender requires it to me removed, even if I must pay a debt that isnt mine. ) she stated unfortunately, shes not able to reach out to the bureaus and ask them to remove something she cant locate, and that my only course of action would be to dispute it again. Ive done this. At least 3-4 times with no success. I then called Experian, the one reporting these bogus charges. They said the same thing, the only way to remove is to dispute it. I can not have any open disputes while purchasing my home. Its my first home and Ive got a family of XXXX to care for. Im now stuck with a horrible mark on my credit that no amount of money could even help, because I do not exist in this companies system, yet they continue to report it, and Experian continues to allow it. Yet my family gets to suffer the consequences of this clear case of fraud. All possible reports pertaining to this have been filed. I await a swift response so I can proceed with my home purchase.
Consumer complaint received 2019-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

For 3 years a collection account appeared on my credit report erroneously. I disputed with Equifax on several occasions by XXXX Mail, online and by phone. None of those disputes corrected the error on my report. Last month I once again sent an online dispute to Equifax and they responded by email whereas I was to log in answering many credit related questions which I answered correctly. The website then indicated it was processing the response for my viewing. An error message appeared which indicated their online system could not show the results and I must call their XXXX number to talk with a person. After talking with 2 persons during a period of more than 45 minutes. Most of that time being put on hold, I was once more told I must send a letter to them that they will not answer my question by phone.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

XXXX/Department of Education Student Loan information is incorrect on my Consumer Reports for XXXX and Equifax, per Copy B of the 1099-C Cancellation of Debt that has been provided to me by XXXX XXXX XXXX XXXX I do not owe a debt.
Consumer complaint received 2022-02-28
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: Incomm Holdings Inc. (MN)

The gift card retailer is Vanillagift.com ( aka incomm.com ) I purchased 3 gift cards and 2 of them were used by someone else fraudulently for purchases I did not approve. 

Card 1 : I purchased the card with a {$50.00} balance and someone used it to purchase {$17.00} fraudulently from a XXXX pharmacy in CA Card 2 : I purchased with a {$320.00} balance and someone used it to purchase {$210.00} fraudulently from a XXXX in XXXX XXXX I have filed complaints with Vanillagift.com ( incomm.com ) with no resolution. After researching, it seems this is a common trend for this company.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

Ocwen Loan Servicing, LLC refuses to allow me to represent my mother 's estate. I have letters of administration, but it will not give me any information about my XXXX  mother 's mortgage, or how to pay it. I have provided them with all of the documents they have requested, but they still refuse to deal with me.
Consumer complaint received 2017-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC (IN)

FMR, Forward Movement Recovery, has used an automated dialer to call my personal cell phone repeatedly for the past week leaving messages for someone who is not me and who I do not know. 

I have now taken time out of my work day to call them back and tell them to put my number on their do not call list.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a credit balance of {$790.00} on my credit/debit card. I called the credit card department 6 times to get this credited back to my checking account. I even went to a branch twice to have this issue resolved all to no avail. I was told it would take 10 business days for this to be resolved and it is way beyond the time period. >This is fraud on behalf of Bank OF America and I will see it through. XXXX : CASE ID- XXXX XXXX XXXX This issue started on XX/XX/2023 and I am still waiting for my refund
Consumer complaint received 2022-05-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Either XXXX XXXX XXXX XXXX is reporting incorrectly, or TransUnion is listing this account incorrectly. 
2 errors. First, the charged off amount is not XXXX as listed on report. XXXX XXXX showed my chargeoff/remaining balance as XXXX. 
Next error is the date the account info will fall off of credit report. 
By them re-aging the date of original/first delinquency... .it moves the XXXX from XXXX ( see XXXX  letter ) to XXXX. 
As the letter that clearly is titled " NOTICE OF DEFAULT AND INTENT TO CURE '' shows a date of XX/XX/XXXX ... .this is the date of first delinquency, not the one being reported and preventing me from obtaining new credit!! 

This unfair re-aging prevents me from obtaining new credit due to the " recent delinquency ''. This should be removed after 7 years... not 11 years after the date of first delinquency!
Consumer complaint received 2023-06-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.