davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

I receive refinance information multiple times from my mortgage processor caliber home loans. I am interested in short refinance program FHA loan and this offer ends by the end of this year. I found a lender willing to do the loan but because caliber has my information false they have me delinquent in XXXX even though I was not and they have me as having taken out a second Lian even though I have not because my home has been upsidedown since I bought it in 2006.
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Associated Credit Services, Inc. (CT)

I went to take out an auto loan and found a mark on my credit report that surprised me since I 'm still a customer. Associate Credit 's customer XXXX gave them a wrong address to contact me with a past due bill. I have been a customer of XXXX since 2006. XXXX uses social security numbers to identify customers to accounts. Associate Credit did not attempt to collect information from their customer after not being able to reach me by phone or mail and simply just reported me to XXXX XXXX. If they had made contact with their customer, they could have found the error themselves or could have obtained my current address. This has caused damage to my credit. I was unable to obtain an auto loan due to this error. If I had been contacted with this bill of {$130.00}, I would have paid it immediately. I 'm also filing a complaint against XXXX for not combining the XXXX bills, since I 'm still a customer with them.
Consumer complaint received 2020-09-11
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. (MD)

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the XXXXair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-08-09
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: Experian Information Solutions Inc. (CA)

A derogatory remark and reporting on my credit report from an alleged debt from XX/XX/XXXX. I have requested validation of debt and collection agency has not responded to me. I also submitted a dispute with credit bureau 's and they have not fixed the issue all they did for me, they added a remark on my account that reads " Account information disputed by consumer, meets FCRA requirements '' How could this meet the FCRA requirements when I have never received any notification from any agency regarding this alleged debt. I been residing at my current location since XX/XX/XXXX and never received any letter from them.
Consumer complaint received 2017-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, TransUnion XXXX and XXXX XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.
Consumer complaint received 2017-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (GA)

On  XXXX   XXXX ,  2017 a nd  XXXX   XXXX ,  2017, a let ter for validation of debt  and HIPAA V iolation was sent to Central Financial Control. The amount presumably owed {$600.00}. The letters asked for a breakdown of fees, copy of my signature from the provider stating the release of detailed medical information to them and to cease any credit bureau reporting until debt was validated by me. As of  XXXX   XXXX ,  2017, I  was provided by Central Financial Control and itemized statement that included all procedures, NOT CODED, which were performed including  XXXX ,  XXXX ,  XXXX   XXXX  and drugs administered. Which is a violation of t he HIPAA Act. I  was never provided a statement from the original creditor that would allow the release of medical information to central financial control. I had never received a bill from the original creditor nor central financial control. I have asked that the presumable debt be deleted from all  XXXX  CRAs.
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP (WY)

I was contacted by XXXX on a bank debt that I believe has already been settled. The number is XXXX CLAIM # XXXX. I agreed to pay off the debt however they insisted I gave them my account info over the phone and will not accept payment any other way. I am scared they are not a really company. I spoke with XXXX XXXX each time.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd (PA)

On XXXX XXXX I had {$100.00} in my Wise account. I topped up {$35.00} from my XXXX XXXX  account to make the total {$130.00} and sent it XXXX. The amount after Wise 's fees was XXXX The recipient recived XXXX on XX/XX/XXXX. A difference of {$35.00} dollars, the exact amount I topped up was excluded from the transfer. I contacted Wise and they said it was probably swift fees taken out. I investigated further and spoke with the recipient 's bank. I also received a signed and verified document from her bank showing their fees and the intermediary bank fees ( XXXX ) totaled {$8.00} and was removed from the XXXX. No banks took {$35.00}, the amount missing. It was an error on Wise 's behalf. When I logged back into my Wise account I saw that they paused that {$35.00} transaction, but they had taken it out of my bank account and continue to claim they sent it despite me having evidence they did not. I have spoken with multiple customer service agents and sent screenshots and verified documents from my bank, their site, and the recipients bank/fees. They refuse to help me and keep saying some mystery bank probably took the {$35.00}. They will not admit their mistake or provide any evidence even though I have full evidence they never sent the {$35.00} I topped up my account.
Consumer complaint received 2017-02-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

This is regarding our loan # XXXX. Our first Homeowner Support Specialist, XXXX XXXX contacted me on XX/XX/XXXX regarding our loan. We submitted paper work requested by XXXX XXXX. We were immediately reassigned to a loan negotiator XXXX XXXX. We submitted our information regarding out loan including hardship letter, personal and business tax returns, bank statements, and information about the property associated with the loan without much feedback from either XXXX XXXX or XXXX XXXX. We were reassigned again XX/XX/XXXX to XXXX XXXX XXXX. During this time we acquired the assistance of an attorney XXXX XXXX XXXX of XXXX XXXX, XXXX. XXXX XXXX attempted to contact XXXX XXXX in numerous occasions on our behalf regarding a short sale of the property in association with loan # XXXX. There was no response from XXXX XXXX to either me or my legal representation. A mortgage complaint was filed on my behalf from XXXX XXXX and we were reassigned to a XXXX Homeowner Support Specialist XXXX XXXX. We resubmitted all of our paper work again only to be reassigned to a fourth person XXXX XXXX XXXX. This whole ordeal took so much of my time and efforts getting information to different people at Citi Mortgage.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (OR)

Hey there, I have XXXX Premier Rewards Visa Signature card which has {$75.00} annual fee. I am paying for the annual fee because I like XXXX of the benefits called " bonus award night '' which you pay the points of XXXX night for XXXX. However, they suddenly announces recently that that benefit will be removed soon. The agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They dont live up to their terms & conditions and annual fee should be refunded.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (PA)

I submitted a request for PMI Waiver on XXXX XXXX, XXXX to Loan Care, LLC. I was told I would be contacted within 10 business days. I have followed up numerous times via email and phone calls to check on the status beginning XXXX XXXX, XXXX. When I spoke to them on XXXX XXXX, they said it would actually be 45 days, not 10 business days at the very least. I still have n't heard anything from them and when I just called they would not give me any new information. It 's clear that they are stalling to get as much PMI from me as possible. My loan was just transferred to Loan Care, LLC in XXXX. When the loan was sold from the original financing bank we were in the of getting PMI Waived.
Consumer complaint received 2024-01-25
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)

I am writing to file a formal complaint against Experian for its consistent failure to report accurate information on my credit file, despite multiple disputes and previous complaints filed with your organization. I have attached a copy of the most recent dispute results from Experian for your reference. 
Dispute Results : Report Number : XXXX Date Ready : XX/XX/XXXX Source : Experian Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Despite XXXX previous disputes and complaints to both Experian and your organization, Experian continues to report inaccurate information. The discrepancy is evident in the reported last payment date of XX/XX/XXXX, while the payment history for XX/XX/XXXX indicates a 30-day delinquency. This consistent failure to rectify the inaccuracies is a clear violation of the Fair Credit Reporting Act ( FCRA ).

I am distressed by Experian 's negligence in reporting accurate information, and I firmly believe that the appropriate course of action, as per the FCRA law, is the deletion of this inaccurate information from my credit report. 

I urge you to intervene in this matter promptly and ensure that Experian adheres to the FCRA by deleting the inaccurate information from my credit file. This continuous reporting of inaccurate data has had a detrimental impact on my credit score and financial standing. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to bring resolution to this ongoing issue.
Consumer complaint received 2017-05-23
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)

I have now for several yards tried to get assistance and have removed the incorr t information on my credit file. Experian is the only credit bureau reporting this incorr t infirmI and fortunately I have had success in getting it remove from the other ones already. This credit card from  XXXX   XXXX  they are reporting ngative and as a charge off on my credit file ; does not belong to me. Is is identity theft and fair and  XXXX   XXXX  knows and has been noticed as well as Experian credit agency but they will not rly and or roc this incorrect and negative Informstion. I have sent them numerous requests and this has been ongoing for years now.
Consumer complaint received 2022-09-05
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX I was charged unauthorized charge of {$3000.00} on my credit card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was supposed to be charged after I get my order delivered. Order was never delivered and they charged me the {$3000.00} After two weeks of calling the vendor who charged me and not getting answers I contact my credit card company and submitted a dispute. 

Maybe after two week credit card company removed {$3000.00} charge. 

They called me on XX/XX/XXXX and XXXX XXXX. I picked up, but after them asking me my personal information ( date of birth and etc. ), I thought it was a scam call and hang up both times on them. They never tried me contact via email, or even mail, or called me again On XX/XX/XXXX of XXXX  the {$3000.00} charge appeared on my credit card again. 

On XX/XX/XXXXXXXX  per credit card company request I did submit submit fax to the credit card company stating that the charge is not authorized by me, that I never got good delivered. 

Since then I have been calling my credit card company and not getting any answers on my case status. {$3000.00} charge is still on my statement and I need to pay it in order not to pay interest rate charge charges. 

Last person I talked today, XX/XX/XXXX, asked me to submit paperwork again, after I told them I already faxed them, he said they still working on my case, which I think he was not telling the truth. I called again and the next person hang up on me.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (SC)

Second filed complaint, original file number XXXX has not been resolved. Dovenmuehle Mortgage has provide false information regarding the details of my escrow refund. Supervising agents information is not inline with company 's response and no refund has been received. Each communication with Dovenmuehle Mortgage has been consistent and has shared miss leading and false information regarding refund payment. 5 months is NOT compliant with RESPA regulations.
Consumer complaint received 2016-09-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

I have sent 2 communications by mail to this company requesting that following the standards of the law and my rights that they provide me proof of my signature validating that I owe this alleged debt. I have waited over 60 days and they have refused to respond with proof this debt is mine.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to express my frustration regarding the lack of action on the fraudulent accounts present on my credit report. Despite multiple attempts to dispute and submit complaints, I have not seen any progress in their removal. 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, and XXXX XXXX if the fraudulent accounts are not promptly removed, I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-02-11
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. (GA)

On XX/XX/2022 I open a dispute with XXXX and TransUnion mid XXXX requesting that the inaccurate, closed and inquires reporting on my consumer credit report be validation and verify by original consumer contract bearing my signature in wet ink. On XX/XX/2022 I received an alert that my dispute result ready. I received no alerts or documentation from TransUnion. XXXX and TransUnion has failed to provide me with any items that has requested and is still reporting these closed, inquires and inaccurate on my consumer credit report. As a consumer reporting agency 15 U.S.C 1681 a ( f ) XXXX and TransUnion is governed by the Fair Credit Reporting Act ( ''FCRA '' ), 15 U.S.C et seq. , which protects consumer from inaccurate, outdated or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer file is accurate and free from errors. XXXX and TransUnion is just allowing items to be placed only consumer credit report without validation or verification that these closed, inaccurate and inquires are indeed correct. XXXX XXXX TransUnion is in violation of 15 U.S.C 1692e 15 U.S.C 1681b 15 U.S.C 1692d 15 U.S.C 6803 15 U.S.C 1692g I have also filed a complaint previous complaints XXXX XXXX
Consumer complaint received 2015-05-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (LA)

Was called many times and threatened that they were going to call my employer and take me to Court if I did resolve this matter over the phone. That went on for five months, now they have sent me a letter Saying I have XXXX days to respond.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2022-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Lending Club Corp (NY)

I have an account Lending Club ; this then became XXXXXXXX XXXX ; then it went back to Lending Club. I am trying to get my 1099 from these XXXX. I have emailed them numerous times ; they don't respond. There is no way to get it on line. Can you kick their XXXX and get me my 1099. Thanks.