davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I went through an illness, I have separated from my wife, but I was able to keep my children. I am well now and tried numerous times to work out something with Caliber Home loans to save my house. It has been difficult. 

I have had to file bankruptcy chapter XXXX to stop the sale. I was working on a part time job for many years and now they have decided to hire me full time. I make a good salary now and I am well physically and mentally. My children are all in school and doing well. 

I am willing to pay a good faith payment and trial payments to get an opportunity to save my house from foreclosure auction on XX/XX/ 2018.

I am willing to work with Caliber Home Loans if they will please give ma a chance to prove myself and keep my home I can afford to make the payments and maintain the property. 

Thank You Very Much!
Consumer complaint received 2020-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

I have contact RMP over 5 times about this account thats on my credit report. I have told them over and over its not mines they refuse to listen. So to hush me up they report they account as paid when I never paid it. This account is destroying my credit health I can not get anything when they see I have a collection account on my report. I have a common name I asked them for verification a copy of my hippa and also prove they are authorized to even collect money from people in my state and also documents showing prove they own this debt they refused. This account need to be removed its not mines they dont have prove its mines. This is illegal putting anything on people credit reports.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

Me and husband have been charged for bankruptcy every month. We have never ever claimed bankruptcy we have no debts and we are also being charged for late charges every month when our is on time. This has been an on going problem for over two years now
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc (TN)

Joseph, Mann , & Creed Collection Agency claims that I owe {$390.00} to XXXX XXXX XXXX. I don't owe this company ANYTHING! This debt is erroneous and all collection efforts should cease IMMEDIATELY. I paid my account in full before I switched to another company. I've attached my last payment.
Consumer complaint received 2020-08-20
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: CAINE & WEINER COMPANY, INC. (WI)

I have a loan with XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (TX)

My mortgage company is charging outrages fees for default related costs in the amount of {$220.00} for home inspections more than one a month. Which is outrageous and not needed. I need these costs refunded. The average costs for these drive by home inspections is {$10.00} to XXXX dollars. There is no need to have a {$220.00} dollar charge on my mortgage for this. These inspections that they did were also discharged in my bankruptcy several years ago. This is unfair and unjust. I called the company and they stated they were not removing the fees. They stated they were just fees even though they are not.
Consumer complaint received 2023-02-07
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. (MO)

Earlier today, someone else fraudulently used my name, address, and a fraudulently obtained copy of my photo ID to issue three fraudulent complaints with the Consumer Financial Protection Bureau, one each regarding XXXX, XXXX, and Experian. Those complaints are complete nonsense.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc (WI)

My card was cancelled and a new card ordered so now my money is tied up. No one EVER answers the phone. The chat or online messaging directs you to call so youre caught in a vicious cycle with no resolution. 

I am homeless and receiving mail is unreliable.

I also had ( 2 ) charges made unauthorized for XXXX only one was refunded.

My unemployment direct is set to go to this account. PLEASE help me.

I am XXXX  I Never reported card lost or stolen
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current (GA)

On XX/XX/XXXX around XXXX my account was hacked. the person took {$500.00} total dollars out my account. It was two separate transactions at XXXX XXXX  and XXXX XXXX  of {$250.00} dollars. which made up the total of {$500.00}. On XX/XX/XXXX around XXXX XXXX  after failed attempts to calling and chat via app ( which the app does not offer the live chat which is stated on there website. ) I reached out via email. I left several emails asking for help. I didn't receive a respond until Monday XX/XX/XXXX at XXXX XXXX. Stating after their investigation they decided to closed my account. and will send the remaining balance to my closed bank account that was attached on file. they never not once responded back about my missing funds but went ahead and closed my account. this account had all my bills and deposits from my job hitting the account. i had to scramble to find a bank to set up a direct deposit so i can reroute my money. but still no justice were served.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by COVID. Not only did I have the XXXX  and was in the XXXX for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE!
Consumer complaint received 2018-02-23
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)

My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that Experian and XXXX   update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Our lender XXXX ( LoanCare , LLC ) made 2 major mistakes with our escrow account and is not offering any resolution. Instead, were receiving the run-around as they attempt to raise our mortgage payment {$500.00} a month to compensate for their error. XXXX made the mistake of paying the county taxes twice thereby depleting our escrow account by {$2600.00}. They then calculated that they would make the same mistake next year incorrectly increasing our estimated escrow. The error on their behalf is glaringly clear on our online account as well as paper statements and has been acknowledged by every customer service rep we have spoken with. However, two weeks of phone calls to customer service, 2 promised dates of case correction and closure ( XX/XX/2020 and XX/XX/2020 ) have come and gone without any resolution or return of our mortgage payment to normal. We began speaking with customer service XX/XX/2020. Our mortgage payment is due in 3 days and they are penalizing us for their errors by raising our monthly payment from {$2200.00} to {$2700.00} to offset their mistakes. 

We see two resolutions to this problem yet XXXX has not allowed for any, especially in a timely manner. They can return our payment to the original amount as escrow payments are not due until the end of the year and this will be resolved by then. Or they can recalculate our anticipated escrow balance payout without the incorrect additional {$2600.00}, greatly lowering that {$2700.00} to a more affordable amount closer to our original payment while waiting on the reimbursement from the county.
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/2018 I requested a fraud alert due to several erroneous accounts on my credit report. I submitted several documents to the three credit bureaus regarding the accounts on my report. At the time I was working with a company who said they would remove these accounts and help me rebuild my credit due to this devastating situation. They have failed to due so. I am a victim of identity theft and I am in need of help.
Consumer complaint received 2018-06-16
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: Experian Information Solutions Inc. (MO)

I'm reporting 2 fraudulent accounts inwhich I have no knowledge of and they are being reported by the credit agencies. The following accounts are XXXX XXXX ( XX/XX/XXXX ) the orginal creditor I never had any accounts with.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NC)

I had a XXXX XXXX credit card through Comenity that I called to close over a year ago. Last week, I got a notification that XXXX XXXX had made a hard credit inquiry on me. I had no idea why until today - I received an unsolicited XXXX  XXXX Credit card through XXXX  XXXX, which is XXXX XXXX new provider. I called, and XXXX XXXX had no record of the account being cancelled. They say they can not remove the hard query ( which hit my credit score ), and that I also had to cancel the account again ( which will hit my score AGAIN ). I did not authorize any of this, and have had my score hit twice because of someone elses mistake. Please note that my last name is now XXXX, but the card was issued in my prior name ( XXXX ), in case that helps with identifying the matter.
Consumer complaint received 2020-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

1 ) On XX/XX/2019, a contractor gave me a verbal estimate to repair my garage door at a cost not to exceed {$360.00} without additional authorization. He completed the job and showed me that the door was working, and presented me with an invoice for {$860.00}. 
2 ) After arguing with him over both the price and his unauthorized expanded scope of work, I reluctantly paid the {$860.00} with my Capital One card. He left. 
3 ) I went to verify the doors operation, but after opening slightly, it would not budge. The contractor returned from his truck, inspected the problem, and told me it would be another {$650.00} to replace the motor and other parts. 
4 ) It was at that point, I realized that the inflated cost and the new damage were both a fraud. Not wanting to have an altercation, I told the contractor to leave. 
5 ) I called Capital One five hours later to apprise them of my having been victimized and to ask them to assist me in securing a refund. 
6 ) Capital One led me on for several weeks to believe that it was working on my behalf.

7 ) Each time I had contact with Capital One, it was with a different person and I was never able to get a last name.

8 ) Although the contractor is the perpetrator of the fraudulent act, Capital One is the enabler.

9 ) The only item Capital One would accept as validation of my claim is a refund voucher from the contractor ; they could have and should have told me so.

10 ) If I were able to secure the refund voucher, I would not have had any need for Capital Ones assistance.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NV)

XX/XX/2020 email was sent to Barclay bank asking for forgiveness due to Covid19 Pandemic. Account was not past 30 days late at the time of enrollment into Program XX/XX/2020 Barclay bank confirmed and acknowledged enrollment. 
The following month Barclay began reporting the account as 30 days late. 
All phone lines to Barclay were shut off as result to Pandemic. I  sent at least 5-6 emails disputing the mistake that went unresolved. In addition, 1 fax was sent in early XXXX. 2 certified mail letters sent to Barclay all UNASWERED and over 2 months ago. In total 3 months of erroneous and incorrect reporting has decimated my credit during the Covid19 Pandemic despite the accounts enrollment into assistance program. Late Fees continued to be assessed as well. Letters and emails specifically cited the violation of CARES act, and provided evidence of enrollment- no correction has been made to date. 
Last week the final email was sent again citing the law and demanding this time a supervisor 's attention. Two days ago Barclay response " Supervisor reaching out to contact within 24-48 hours ''. 

As of todayXXXX the account is still reporting 30-60 late. 

It is worth mentioning : Consequently because of this 30 late reporting +3 months now another creditor XXXX XXXX, After pulling a soft inquiry into my credit last month has apparently seen and learned from Barclays that this okay to do. Since Barclays has gone uncorrected for so long XXXX XXXX  has Now has decided to go back in time 3 months previous and to change what had been reporting as ON TIME to now 30 days late -replicating what Barclays started.  This error has now caused a domino effect to spiral out of control with now 2 creditors and my credit has been torn apart as a direct result, all while trying to get through a pandemic.
Consumer complaint received 2021-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Since the last complaint I filed, they have still done nothing and why do they get off so easy by just replying and closing out the complaint? 

I would just like to know why? 

Looking at this log of messages sent, you can see that we have been requesting the CARES act forbearance since XX/XX/2020. Numerous calls and letters, so many times being told to call back, it's in progress, you don't know or many other excuses. 

Over a month ago we were directed to upload documents which we did. The current status is " awaiting decision '' for over a month. And yet they can easily generate a letter to us in the mail regarding our late payment. 

So the question then is why? and when? and how is this even considered acceptable?
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KS)

shop your way credit card-Citi bank has serious problems : 1. charge too much interest during Covid-19 time,2 rude account manager During Covid-19 time, I tried to pay off my most credit card bills after getting government relief help. After I made several payments, I find that I paid the same much high interest as before. I called the customer service and even talked with the account manager. He, the account manager is crazy. He told me that whatever Covid virus, He is not going to care about any virus, or he is not going to fix the wrong interest problem on my account. The wrong interest accounting for related balance occurred about at least 3 times. I told him that after I made payments, my interest should be charged less. He is not going to fix that ridiculous interest. I really made the payments towards balance. He yelled me the same way with people who did not make payments. The interest is super high and not correct which keeps posting on my account. My balance is only {$1600.00}, however they made me pay {$50.00} for the balance of {$2400.00}. Wrong interest happened at least 3 times!!!