davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

The mortgage in question began on or about XXXX the XXXX, XXXX. I wondered how I was approved for the loan from XXXX with my credit the way it was and my debt to income ratio ; and they told me my wife at that time did not have to sign the note. Bad decision. Went to XXXX XXXX/XXXX/XXXX to what I might could do to stay in my home. Had to apply for a modification, after that had to file bankruptcy ( chapter XXXX ). I was discharged XXXX XXXX, XXXX. There was a class action lawsuit against XXXX during this time that I never could get the true facts of who and what it included. I basically heard nothing from XXXX after the bankruptcy except for a monthly statement that was as stated on it ( for informational purposes only ). But did not receive this statement every month. This went on for about three years. Next thing I know I receive a letter from Caliber Home Loans on XXXX XXXX, XXXX that stated that the prior owner had sold the loan to XXXX Master Participation Trust on XXXX XXXX, XXXX. Not long after that, well about 3 months I received a mortgage statement dated XXXX/XXXX/XXXX from Caliber Home Loans saying amount due {$70000.00}. Of course I was floored. Wow. So I started wondering what to do since work had been bad and basically my only source of income had been unemployment.. Found a job not long afterwards but not enough income to afford the payments without a major adjustment to something concerning the mortgage. Went back to housing Counseling on XXXX/XXXX/XXXX to look at options to prevent foreclosure and stay in my home. On XXXX/XXXX/XXXX sent a Qualified Written Request Letter to Caliber Homes Loans. I received a response letter back on XXXX/XXXX/XXXX, some requested information was answered other requested information was tagged as ''PROPRIETARY INFORMATION ''. I sent back a response letter on XXXX XXXX, XXXX requesting any and all options for LOSS MITIGATIONS that might be available to me. To date I have received a response from Caliber Home Loans, but no answer to the Loss Mitigations Question. I also sent a letter of REQUEST FOR INFORMATION on XXXX XXXX, XXXX. The last letter that has been sent to Caliber Homes Loans c/o XXXX XXXX was sent on XXXX XXXX, XXXX also requesting again Loss Mitigations options available to me and Documents of Legal Transfer of Property from Household Finance. Have not received a response to date except for the 5-day acknowledgement letter. However on XXXX XXXX, XXXX went to my foreclosure hearing in XXXX County North Carolina and the XXXX XXXX XXXX granted the foreclosure sale to be XXXX XXXX, XXXX. I am now in the process of trying to appeal the decision because I found in the paperwork given to me at the hearing that XXXX XXXX XXXX XXXX, XXXX changed the SUBSTITUTION of TRUSTEE to XXXX XXXX XXXX, XXXX XXXX days before the Court Date. Is that legal in North Carolina? Or is it legal to have XXXX substitution of trustees on the same Deed of Trust?
Consumer complaint received 2022-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OCEANFIRST FINANCIAL CORP. (FL)

I attempted to use my debit card on XX/XX/22 and received an unusual error. I noticed that the card was expired. When trying to contact the bank no one was available and all locations and numbers said the bank was closed. I was never sent a new card or did not receive it. On XX/XX/22 I called the lost or stolen card number to report that I never received my card. They advised me that the bank never sent me a new debit card. I filed a complaint with the lost or stolen card company working with my Ocean First bank. I have numerous bills that are set for auto payment and all of my money is in this bank account. I currently have no access to any of my money and when my auto payments try to go through they will now be denied and I will be charged fees because the bank did not send me an unexpired card and I can not reach anyone to resolve the matter. Please help.
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Bread Financial Holdings, Inc. (UT)

I had fallen behind on payments on my XXXX card ( Comenity Bank ). In XX/XX/XXXX they offered me a 1 year hardship plan. Monthly payments would be {$40.00}. After 3 months and 3 months of successful payments, they said my account would reported as current and all previous late fees would credited to my account. I agreed to the plan, and made successful {$40.00} payments in XXXX, XXXX and already made XX/XX/XXXX 's payment. 

Today ( XX/XX/XXXX ) I was contacted by them saying they made a clerical mistake when they enrolled me, and that I was never enrolled and that my account was 4 months passed due despite the payments I made. They acknowledged the clerical error, but told me they could n't fix it, all they could do is re-enroll me and that I 'd have to make a second XXXX payment. This is n't right at all, no desire to fix the issue.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 'm filing this complaint against TransUnion because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA, they are " required to promptly delete all information which can not be verified '', that I have disputed. Please resolve this problem as soon as possible. Thank You!
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

Ocwen has made numerous mistakes, delay tacktics, postdating items I have sent in, and now decided to foreclose without any notice or proper advertisment of my foreclosure. On XXXX XXXX I received a letter from Ocwen stating that my loan had been postponed and that as of this date, no future date has been determined. I continued to sell my house and my house is due to close on a sale in XXXX days. I submitted this information to Ocwen on XXXX the XXXX. They wrote me on the XXXX that my home was being sold at auction Tomorrow XXXX XXXX. I supplied them with a copy of the letter and they wrote me back and stated they did not need to give any notice to sell the property. I was given no information of the sale, I asked for copies of proper advertisement and they did not provide it. I am beyond myself. I have filed several complaints about there actions which are currently under review. Alaska statute states they must properly advertise the sale prior to foreclosure for date and time. This has caused me extreme hardship. They stated they would postpone the foreclosure if I provided proof the loan would close on XXXX XXXX, which gives me XXXX business days notice to foreclosure. There letter clearly stated no new date had been set. I could have secured short term financing for the amount due but since the house has sold and they did not set a new foreclosure date, I opted to do the entire payoff. I also notified Ocwen they had made an error by not advertising the sale and not giving me notice and denied me the XXXX day delay until they formally respond. Now they tell my I have to submit any further correspondence with them in letter form to ensure delays in my correspondence instead of contacting them by email.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

As I was checking my " personal ' account today I noticed that Chase JPMCB CARD account number XXXX which is a business credit card started reporting on my personal credit report. I have never given chase business authorization to report anything on my account. how is it that one can't use business credit cards for personal things because its called commingling of funds but Chase decides out of no where to start reporting on my personal. I never authorized Chase business to do. when I did business with chase was for my business not personal.
Consumer complaint received 2020-11-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. Also attempted to contact XXXX, XXXX etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Consumer complaint received 2016-06-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

yes i was able too get a defred car payment XXXX month from ally bank/my regular payment was XXXX a month??? they told me i could pay late fee which was half my car payment????? thry exstented my contract from XXXX 2018 too XXXX 2018???? i dont feel they gave me much of a break??? deffred mean skip the whole payment?????? they charged me late fee??? which is half my car payment?????? im hoping too get late feee credit too my account on next months payment??? XXXX
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have XXXX account XXXX that was late 3 times in XXXX XXXX XXXX XXXX and XXXX XXXX. This account should be deleted but Trans Union has informed me that it will not be deleted until XXXX XXXX XXXX XXXX would have been 7 years and first delequeincy
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regarding previous case number #  XXXX . Please provide method of verification. I am requesting the Name, Address, and  Telephone num ber of the person validating the alleged item from creditor   XXXX   XXXX   University. I am requesting a copy of the original document or contract showing my name and signature for the alleged item. If the request can not be produced- please  Delete and Remove the item showing in my credit report from   XXXX   XXXX   XXXX  .The   reporting should be accurate and correct per FCRA.   Thanks ...
Consumer complaint received 2016-10-28
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On moneygram web site estimate for international money transfer fee showed {$18.00} but when the actual transaction took place it was {$32.00}. When asked why such a big difference in fees no answer was given except " an estimate is an estimate ''. When an actual fee turns out to be more than XXXX % of the estimate then it is no longer an estimate but a wild guess.
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX XXXX, 2015, I submit a Letter Of Validation to Midland Credit Management. Please provide me with the following : Agreement bearing my signature, or contract, valid copies of the debt agreement. A complete payment history on this account along with an accounting of all additional charges be assessed? Anything stating I have agreed to assume the debt. As of this date, I have only have received a statement alleged, debt.
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I have received an escrow account disclosure statement dated XX/XX/XXXX from US Bank ( XXXX ). The analysts shows a shortage of {$3300.00}. Since XXXX of XXXX I have been going back and forth with US bank trying to get an explanation of where this shortage is coming from. I have made numerous phone calls since then. I was told to wait till XX/XX/XXXX to get a recalculation of the analysis since it was drastically miscalculate, probably due to someone's error. I have spoken to several customer service representatives and none of them was able to find out how this mistake happened and why. After waiting and getting nothing in the mail or via email, today, XX/XX/XXXX I called again. And I was told that someone made a note on the account that there was no need for recalculation. US bank miscalculated this analysis, they made a mistake and they are not even able to explain this to a consumer. I have the right to know, to be explained in layman terms how US Bank landed on this amount. Even the customer service reps were puzzled as to this unfounded analysis calculation. There were absolutely no changes that could affect such drastic shortage on my escrow account. This is beyond frustrating. This huge miscalculation of shortage caused my mortgage payment increase by almost {$300.00} a month making it twice as hard to keep up with payments and maintaining good payment history. I have been trying to get answers from US Bank to no end. Today I was told to wait till XX/XX/XXXX to get answers. I need answers and explanation and accurate recalculation YESTERDAY. I Can not be pushed to next month and next and next endlessly because the bank doesn't know how to calculate properly.
Consumer complaint received 2020-11-02
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently submitted a request for investigation for the account ( XXXX ) listed below. I submitted sufficient information for you perform a reasonable investigation of my dispute. 
Unfortunately, you neglected to conduct a reasonable investigation. If you had investigated properly you would have removed the accounts. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to re-investigate the following accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
As I'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. If you fail to initiate an investigation regarding my dispute I will to take legal action to protect my credit rating and myself. I will fully exercise my right under the Fair Credit Reporting Act. 
Kindly comply. 
Regards
Consumer complaint received 2023-03-22
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: JPMORGAN CHASE & CO. (FL)

I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below JPMCB CARD ACCT # : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX JPMCB CARD ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX )  ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX Collection JPMCB CARD ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX   XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX ) ACCT # : XXXX BAL : {$520.00} DATE OPENED : XX/XX/XXXX Collection
Consumer complaint received 2016-12-02
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC. (NY)

Purchasing A NEW home.XX/XX/2016 got all the required paperwork to them timely. rates at the time were 3.25 or 3.74 no higher, We got preapproved prior to our additional deposit of XXXX on the balance. NVR Mortgage the company of the builder sat on our application for two months, until the rates went up and failed to include the additional sum they received or the fact that we asked for 15 year mortgage loan back on XXXX XXXX, 2016. Please help us. My husband is a XXXX Veteran and was approved for a VA loan. This is unheard of that they have not yet given us a 15 year mortgage or they have recalculated the loan subtracting the large sum, they initially stated they never received.
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

My credit reports reflect a debt in the amount {$770.00} owed to XXXX XXXX XXXX company as the originator. I have disputed this debt numerous times for years with no success. Each time the debt returned as verified. I requested verification of this debt, but have received nothing.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

on XXXX XXXX i paid entire balance on my capital one card and requested to close my account they are not closing my account and are charging me interest as of XXXX XXXX XXXX how do they charge interest on zero balance i called them they were not interested in cooperating with me can you please help me thanks
Consumer complaint received 2016-09-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I signed up for a " free trial '' transunion credit monitoring service and I was charged {$19.00}! 
Upon contacting them, I spoke to XXXX who said I could NOT get a refund. She gave me a confirmation number relating to our conversation XXXX. She canceled my membership but refused to issue a refund.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a credit card account with Capital One. I recently found out that they reported me 30 days late XXXX to the credit bureaus between XXXX XXXX and XXXX XXXX. I do n't agree that I was ever 30 days late and contacted Capital One on XXXX separate occasions to dispute their claim, beginning on XXXX XXXX, XXXX. I 've requested my account statements as proof of my delinquent payments XXXX separate times now. They have sent me XXXX letters stating the proof was enclosed but there were no statements included with their letter nor any other type of proof. I 've called them repeatedly requesting proof of their claim and they keep telling me I have to submit my request by mail or fax, which I 've done. They have yet to provide me with any documentation that supports their claim which is why I am filing this complaint.