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. (DC)

XX/XX/XXXX we paid XXXX to cover XXXX 's mortgage, and escrow account in order to close the escrow account. The customer service told us will not be charged XXXX. Our surprise was XX/XX/XXXX an amount of {$2000.00} was automatically withdrawn with contradicts what was promised. Caliber 's representatives are inconstant in their answers. Some said will mail the check in XXXX business days. Another said that will be waived the following month. other said will be credited to next month. Last two weeks I called and gave my number to talk to the available supervisor and I was told supervisor 's will call in 24 hours. Since XX/XX/XXXX we call since then not answer from Supervisors and today another call they said the supervisor is in another call once finishes will call. there is misinformation towards us. As off today we will report this to XXXX XXXX XXXX to report this awkward moment.
Consumer complaint received 2017-09-27
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. (LA)

First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
XXXX, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with XXXX is them verifying accounts and not sending me documentation of HOW they were  verified. 
First XXXX I have contacted this company myself after disputing with XXXX and XXXX several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. XXXX and XXXX still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. Equifax put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent Equifax and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. Equifax needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the department of education is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.
Consumer complaint received 2017-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
XXXX, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with XXXX is them verifying accounts and not sending me documentation of HOW they were verified. 
First XXXX I have contacted this company myself after disputing with XXXX and Transunion several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. XXXX  and transunion still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. XXXX put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent XXXX and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. XXXX  needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the department of education is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.
Consumer complaint received 2017-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: LendUp Loans LLC (NY)

i became a lendup card member since XX/XX/XXXX to move up the ladder you have to pay on time, update correct contact info my card was up for review for a credit line increase i had called to update my phone customer service called and when i answerd they hung up and sent an email stating they needed a code to get throughwhich was not true i had a dial tone couldnt call out but i could recieve in coming calls.i was denied a credit line increase there excuse was i was over my limit it was there interest fee that brought me over the limit from XXXX to XXXX credit limit is XXXX i was angry because they are playing a game what ever is going on at the moment emailed several times and stated close my account. they sent an email on a saturday that stated my account is closed there office is closed on weekends i called monday morning wanted my card re-instated i was told they cant made my payment of XXXX min of XXXX and XXXX for the overdraft.i was told my account was closed and couldnt re-open my account shows available credit of XXXX and is still open at this time looked up the card agreement it states i can cancel at any time and can be re-instated they de-activated my card so i cant use my avail. credit the card agreement and or disclosure had been breached by the lendup card co.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MD)

XXXX 2017 I received a phone call from a debt collector indicating that I have an outstanding balance from a medical service. I asked for them to send a notice of the debt and where it came from but I never received it. I have no knowledge of this debt therefore, I want this removed from my credit report immediately.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

TrustedID XXXX by Equifax The website is impossible to reach and the XXXX number posted is never open. The enrollment for credit/ID protection due to the recent hack of Equifax is difficult to navigate and the process is never ending compounded by the severe difficulty to even log in to my account. 

There is always a XXXX wait for each phase of the protection enrollment but there are very long delays due to the website to log in is always down. 

Equifax is falsely advertising that it is taking care of the 140+ million names that have been hacked but days are passing by fast without any real expeditious help from Equifax to protect us. 

Equifax management should be prosecuted for this horrible breach of consumer identity protection.
Consumer complaint received 2021-09-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC (TX)

I was contacted by someone who name is either XXXX or XXXX I think not sure but she say she is with D2 management and they have an old debt for me from 2015 that was through my bridge provider. I just want to know if its a valid debt because its too many scams going around. They say I owe {$600.00}. Then told me I only had a 7 day grace period to pay or setup a pay plan and they still cant guarantee my file will be in office in 7 days. When I asked for an address all she said was look it up they are XXXX  accredited and information should come up about them online. Even if I do look it up that doesnt mean its the real company calling so I s, wanting to just verify this is real debt.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

When I attempted to get my annual credit report, all THREE reporting agencies stated that online credit reports are not currently available and they provided a phone number to call or recommended writing a letter to receive the my credit report ( after completion of the request form ). I believe the law requires easy access to an individual 's credit report annually but the current behavior of the reporting agencies creates a barrier to individuals who attempting to review their credit reports.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America Visa XXXX was stolen and was used fraudulently three times at the XXXX XXXX in XXXX CA ( Store # XXXX ). I reported it immediately to Bank of America and so they cancelled the card right away. However, the fraudulent user was still able to use it and successfully charge three {$4000.00} charges at the XXXX XXXX for a total of {$12000.00} Bank of America told me that I was not responsible for the charges since I have " Fraud Protection '' on my credit card account. However, when I received my statement, there was a total of {$12000.00} charges on my account. 
I reported the theft incident to the XXXX Police department, and XXXX XXXX XXXX ( Badge # XXXX ) filed a police report and assigned it a Case No. XXXX. The XXXX police department is currently investigating the incident and I am waiting for the results of their investigations. 
In the meantime, Bank of America is requiring me to pay the {$12000.00} total fraudulent charges on my XXXX account. 
Please advise and let me know what steps I need to do in order to alleviate this responsibility of paying the fraudulent charges made on my XXXX card. 
Call or email me at XXXX / XXXXXXXXXXXX Please see attached bank statement history and letters from BofA, as well as the information on the police officer doing the investigation. 
Thank you for all your help. 
XXXX XXXX
Consumer complaint received 2017-09-27
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. (PA)

On XXXX XXXX, XXXX, A XXXX salesperson came to my home. He was offering a deal to switch my cable company to XXXX XXXX. I told the salesperson, that " only if they would not put a hard inquiry on my credit report, would I agree to sign on with XXXX XXXX. '' He assured me this would not happen, because there would be other ways to get my application approved. He then contacted his supervisor, who again assured me, " there will not be a hard inquiry placed on your credit report. '' On XXXX XXXX, XXXX I checked my credit report, and there were XXXX XXXX XXXX inquiries on my Equifax report. On XXXX XXXX, XXXX, I called XXXX credit department and voiced my displeasure about the inquiry. I was told that an investigation would be launched to find out what happened. I was told this would take XXXX days, and I would be notified of the results. I sent a certified letter on XXXX XXXX, asking about my complaint, and did not receive any response. I called and spoke with a XXXX XXXX XXXX supervisor credit dept. ), on XXXX XXXX, XXXX. XXXX XXXX assured me that my investigation was happening and it would " take a few more days. '' On XXXX XXXX, ( after XXXX hours, and XXXX different dept. referrals ) I was told that there was no record of any complaint by me, and there was n't anything that could be done, because XXXX only uses hard inquiries on all credit applications. I told the customer service person, that this was done fraudulently, and that my inquiry should be removed, He again stated, that XXXX only does hard inquiries, and a " training '' could be given to the employees who sold me the account. I am asking for assistance from the CFPB in this matter.
Consumer complaint received 2017-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit One LLC (IA)

I received a notice in the mail on XXXX/XXXX/XXXX, which was dated XXXX/XXXX/XXXX from Creditone, L.L.C.  stating they were the current owner of my account and would like to offer me an opportunity to resolve the account for less than the total amount due. Stating the amount due was {$2300.00} and that they would accept payment of {$350.00} to satisfy the account, or monthly payments of {$32.00} per month under an agreed plan. I called to dispute, and after verifying my name and last four digits of my social security number, they said it was for a furniture purchase in XXXX. I said I have never purchased furniture on credit, so it was not my debt. They said they would request the original documents and send them to me in 6-8 weeks to see if I recognize the debt. Again, I stated that I have not purchased furniture on credit, and would remember if i did, so I am disputing this clam. The man said there was nothing I could do and I would have to wait for the documents, which would take 6-8 weeks. After the call, I realized that this was past the 10 year statute of limitations in Iowa, and not only was it not my debt, they had no legal recourse to try to collect it.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

I 've reached out to Aargon Agency inc to validate a debt they claim i owe. I sent a letter via certified mail twice. Once in XX/XX/XXXX and again in XX/XX/XXXX. As of today they 've failed to validate this debt and it is hurting my credit report. The amount is reporting for XXXX The original creditor is XXXX XXXX.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

I owed money to a credit card company called XXXX XXXX in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.
Consumer complaint received 2017-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Prosper Marketplace, Inc. (TX)

This company has been offering me loan since two years now and I 've told them I do n't want a loan, due to their disturbances I succumbed and requested a loan from them sometime this year which they denied, and instead of stopping to disturb me about their loan, they still continue to fill my mail with their letters of loan. I have called them severally to stop disturbing me, Ive warned them next time I received a mail from them I will report them, still they kept disturbing me of a loan, is it by force to get a loan. For XXXX 's sake I do n't need their money, they should stop disturbing me.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank (MA)

This account was closed 1 year ago and with a XXXX balance. I received my full security deposit from this company. Since that time they have hired XXXX company to pursue undisclosed charges. Not once did the company a specific date or transaction yet added a new balance of {$200.00}. I 've since become permanently XXXX and notified XXXX XXXX and XXXX XXXX of my exempt from collection attempts at my home or phone. XXXX XXXX has ignored the request to stop harassing me and continues aggressive collection attempts and still sends statements in an account that was close in XXXX 2015 one year ago
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/2018, Simple Bank associated with BBVA Compass bank reflected an incorrect available balance on my account of {$200.00} which was incorrected as my account was at a low/negative balance at that time and all prev purchases were still showing either pending or cleared and no transactions were missing from my bank lender showing no indications that a previous transaction didn't post or deduct fund from my account and this issue showed to be a system issue from Simple Bank not accurately reporting my current and up to date balance. Because of their system incorrectly determining my correct balance their system allowed a pre paid card previously set up on auto payment and attached to my account via a debit to deduct funds multiple times without my authorization or any funds available in the account to cover said transactions. I have never authorized Simple Bank or BBVA Compass for overdraft services or to cover my account in case of authorizations without funds to cover and appears to be in violation of overdraft regulation. This occurred due to Simple Bank system not correctly posting transactions to make account and creating a false positive balance to allow charges to clear when funds were not available. I also have screenshots from Simple 's website and mobile site reflecting these balance. I have also been being charged international transaction fees on my account when no out of country use or authorization has been preformed. I attempted to resolve this issue with Simple Bank directly but they are refusing to make right an issue caused by system errors on their part.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I owed money to a credit card company called XXXX XXXX in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.