davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

Caliber Home Loans based out of XXXX, Texas mismanaged funds from our XXXX home loan since acquiring it in XX/XX/2019. Throughout the entire renovation process, their service has been unsatisfactory at meeting our basic needs for a renovation home loan. 
Caliber Home Loans chose to release the 10 % retention fund to our contractor before all work was completed. As stated in Calibers FAQs on their website, A 10 % retention will be withheld on all draw request to ensure all work is properly completed and for lien protection. The retention is released with the final draw upon completion of the project. The items that remain incomplete are as follows : Permanent marker remains on the newly finished wood floors. 
Holes were cut into newly finished wood floors and never fixed. 
Holes were left in the ceiling and floor of 3 bedroom closets. 
Unnecessary holes for registers on ceiling in living room and kitchen were never closed. 
The steel bars were purchased but not inserted in our concrete retaining wall on the ground level. 
Pipes from the old radiators were not removed from the floors. 
Debris from demolition was left in our yard. 

In addition to the above items, Caliber Home Loans released funds in the amount of {$5000.00} within the first draw which should have been held back until the change order had been completed. 
We communicated with Caliber Home Loans several times about the mismanagement of our funds for our home renovation and were ignored. The overpayment of funds to our contractor cut into our remaining budget leaving us with a subpar renovation.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2020 I discovered two unauthorized charges occurred through my Chase Checking account through the use of my Debit/Visa Card. The charges took place on XX/XX/2020 put did not post until XX/XX/2020. The charges were made in person by someone in XXXX California first to XXXX XXXX for {$220.00}, and next at XXXX for {$510.00} on the same day. I called XXXX XXXX the same day and nothing had showed on their end. I tried to contact XXXX 's but you can not get through to them. I immediately contacted Chase 's Fraud Department which assured me that the charges would be reversed and investigated and the amounts would post back to my account within 48 hours.Let me also stated that I have lines of credit with both companies but did no such transaction with them. I discovered on XX/XX/2020 that Chase had resend the refunds and debited my account. I recall during the " recorded conversation with the representative from Chase asking if I gave my card to someone. I stated several times that I did no such thing and how could someone use my card number without having my card to make purchases in my name? I have since then contacted the Headquarters of Chase, placed a freeze on my credit reports, contacted XXXX who monitors and supervises my credit reports and profiles, and now in the process of making a police report as suggested by XXXX. It is difficult because the XXXX Police do not place this as a high priority and will take some time to do so.
Consumer complaint received 2021-06-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

I applied to refinance my mortgage and i was told by the mortgage company that there was an open dispute on my Citibank Costco Visa account on all 3 of credit reporting agencies. I have called Citibank 4 times including today and spent a lot of time to get this straightened out. They keep passing me to extensions that do not pick or return messages. I spoke to someone today who told me i had to get it fixed myself with the credit reporting agencies. I said no and told him it was their mistake and they need to fix it. He said he would fill out a report and someone will get back to me within 30 days. I said that was unacceptable since my mortgage can not go forward until this issue was fixed and he said that was the best he could do.
Consumer complaint received 2018-06-14
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. (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX owing an alleged {$2200.00} XXXX   XXXX  orig creditor XXXX
Consumer complaint received 2021-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent a letter to TransUnion, XXXX  and XXXX. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX 2017, a credit card was fraudulently applied for under my name. American express took my existing credit line from my blue American Express card, and partially transferred over to the fraud account. I contacted American Express, which they immediately closed out the fraudulent card but never returned back my credit line to my existing account. I have called American Express over 10 times, and have been on the phone for over 9 hours, without a resolution. No one knows which department can help and I have been given false promises.
Consumer complaint received 2017-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (VA)

I currently have an auto loan with BB & T and noticed that my most recent payment had not come out of my account. When I logged on to see what was going on it showed that the payment had been reversed. This is the second time this has happened! The first time BB & T called to inform me I was late on my payment ( I then had to pay a fee of course ) and when I asked why I was never told the payment was reversed they had no answer. I found after that I missed the last XXXX on my routing number which was why my payment was reversed. I receive emails that my payment has been processed but NEVER that it was reversed. How am I supposed to know that I did n't make a payment when my records from BB & T show that it was?
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is an account from XXXX XXXX debt collection agency reporting on my XXXX, XXXX, and Transunion credit reports. This information that is reported is inaccurate and against the contract that the original creditor signed. The original creditor XXXX XXXX XXXX made me sign a form to relieve me under any responsibilities on the lease being broken because I was just a property manager for a company that I worked for XXXX XXXX and the financial responsibility of the lease was on XXXX XXXX and XXXX XXXX. XXXX XXXX agreed and signed off on the responsibility to be on him and XXXX XXXX. I was only put on the lease to be able to hold a set of keys for them both since they were always out of town. The paperwork that I have attached legally says that XXXX XXXX 's name is removed from this lease so it should not be reporting on my credit reports with XXXX, XXXX, and Transunion. The credit bureaus keep ignoring my requests and have not formally validated the debt because I have sent this information off before. I demand that this collection agency stop its collection efforts for reporting unfair and inaccurate information. Also, my name is XXXX XXXX ( Proof of ID Attached ) This situation that this creditor did not tell the truth about has been an invasion of privacy and a defamation of character to furnish incorrect information without my permission. Especially when I am not responsible for this debt. I have not been able to rent a new home. Please delete it immediately so I do not have to ensure legal action.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have been attempting to get ahold of a live person at Experian to unfreeze my account. I am trying to have mortgage lenders verify my credit so I can purchase a home. Experian can not verify my account and I can not find a fax number or a person to talk to in order to send them the necessary documentation. They have no customer service, just an automatic answering prompt which never gives the option to speak with someone, and then their website which also provides no contact information. 

This is such a pain. The other two credit bureaus were easy to work with. Why is a company this terrible with service even considered to be a standard in the industry when it comes to credit reporting? So frustrating.
Consumer complaint received 2020-08-31
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. (AR)

I RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX, this statement is being generated on my own behalf. Per the FCRA, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681 Section 602, Section 1681c-2, and 1681 B. These companies are in violation of these laws. US DEPARTMENT OF EDUCATION, XXXX XXXX, XXXX XXXX XXXX XXXX Furthermore, I am also a victim of identify theft. Per 15 U.S. code Section1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identify theft : XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NC)

I was mistakenly debited twice for the same payment. An error by paypal. I placed a request to the resolution center. They contacted the seller who told me only a single transaction was placed. I never received credit from the seller. I tried to call paypal multiple times but they informed me their system was too busy and hung up. I tried to contact them via their messaging I heard nothing. Finally their collections department called but refused to review the issue. I believe that paypal systems are no longer functioning correctly and need to be reviewed. 

Duplicate charge CASE CLOSED Case ID : XXXX The case was closed in the seller 's favor as you've already received a credit from the seller. 


Case details Transaction amount {$93.00} XXXX Transaction ID XXXX Payment method XXXX XXXX XXXX XXXX XXXX x-xxxx Date reported XX/XX/2020 Your notes There are two different transaction XXXX and XXXX which show as two separate transactions. Note XXXX was billed to my bank account on XX/XX/2020 for transaction XXXX. I was then told I had an outstanding balance of {$93.00} for transaction XXXX which required me to transfer funds for XXXX on bank charge XXXX. The transactions XXXX XXXX both a named XXXX. I checked with XXXX and they show only a single transaction. I was told a week ago this was an error that would be cleared by my bank but there are two separate billing to my bank account.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I paid off the balance even though my account was fraudulently used. Ive contacted the company multiple times requesting a receipt or some type of documentation with proof. I was told I was suppose to receive it multiple time which I still havent. I have attached a screenshot of the payment that was made
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : # XXXX. 
XXXX XXXX XXXX - XXXX ( Duplicate of the same accounts on record ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - # XXXX There are also incorrect current/previous addresses and employers list from XXXX and XXXX. 

XXXX - My previous addresses have typos and employers are incorrect. 
XXXX - Current and previous address are incorrect 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

The company Freedom Mortgage changed the payment invoice to include property tax 's and insurance with out my knowledge. The payment went from {$1800.00} to {$2900.00} dollars a month. There was never an impound account at the time the loan was originated. I can not afford this monthly mortgage increase. The house is in forbearance and they are adding this amount to the forbearance account. This was all done without my consent.
Consumer complaint received 2023-03-24
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. (CA)

My name is XXXX XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX, XXXX. XXXX
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I sent money via Zelle for a dog which I never received. It was {$550.00} + {$150.00} for shipping. I was told they would refund my money said to wait for weekend. Never sent it
Consumer complaint received 2018-02-02
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. (TX)

The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX 2.   XXXX Account # XXXX 3.XXXX XXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ProCollect, Inc. (TX)

I reached out on XX/XX/year> and disputed balance / requested. Validation of debt. XXXX responded with false ledger that did not belong to me. I then submitted court documents, police reports, FTC report, and full ledger from orginal creditor advising I never owed a balance. 

The credit bureaus and procollect are not replying with requested information and it is now XX/XX/year>. It has been way over 30 days. This debt should be removed
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account nameXXXX XXXX open XXXX # XXXX {$260.00}, Account name XXXX XXXX on XXXX {$25000.00} # XXXX, Account name XXXX XXXX XXXX XXXX ON XXXX {$110.00} # XXXX, Account name XXXX XXXX XXXX open on XXXX {$200.00} # XXXX, XXXX XXXX {$12000.00} # XXXX open on XXXX has violated my rights. 

I looked at my credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-16
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. (FL)

I was checking my credit report and i saw accounts which i don't recognize. I have never applied for these accounts. I believe that someone used my personal information and opened accounts on my name. I lost my wallet with all documents, so i believe that someone found it and used it.
Consumer complaint received 2020-07-22
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: Experian Information Solutions Inc. (GA)

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX, XXXX, XXXX Address : XXXX To XXXX Ct ( XXXX ) Address : XXXX To XXXX Ct ( XXXX & Experian ) Address : XXXX To XXXX Ct ( XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : Bankruptcy Chapter - Chapter XXXX filed XX/XX/2013 ( XXXX & Experian ) The following items are incorrectly reporting that I was late : XXXX   XXXX  - Opened Date : XXXX ; Bal : {$650.00} ( XXXX, Experian, XXXX )
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.