davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) is a debt collection law firm. XXXX XXXX harassed me regarding a mortgage debt I did not owe to their client. Their client, Caliber Home Loans, Inc., is a debt collection agency and Servicer for XXXX XXXX XXXX XXXXt ( XXXX XXXX  ). XXXX XXXX is not registered with the Texas XXXX of XXXX and per the Attorney for the XXXX XXXX XXXX can not do business and/or enter into litigation in Texas or XXXX XXXX I invoked my Homestead Protection Act Instrument in XX/XX/XXXX with XXXX XXXX, ( XXXX XXXX XXXX  ) because of XXXX XXXX, HSBC Holding PLC Adjudication Agreement with XXXX XXXX  DOJ for Money Laundering and Other Financial Crimes dated XX/XX/XXXX. My homestead was protected from seizure and/or sale because of the felony crimes that XXXX XXXX XXXX XXXX A felon can not profit from a XXXX. XXXX XXXX ( XXXX XXXX ) entered into a Consent Agreement in XXXX in which all home owners were compensated for the threat to sue and initiating Foreclosure during that period. XXXX paid {$190000.00} to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX which should have been sent to me. On XX/XX/XXXX, XXXX XXXX XXXX from the XXXX XXXX sent me a letter which stated I had a zero balance and the file was closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirmed in an email that my XXXX XXXX account had a XXXX XXXXlance as of XX/XX/XXXX. XXXX XXXX employee said that XXXX XXXX reinstated the debt the same day. Please see XXXX XXXX XXXX XXXX file submitted on this site.
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

Jefferson capital system has been sending me collection notices in the amount of {$4200.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have contact with my signature.
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (NJ)

Hello, XXXX XXXX XXXX, attempt to collect a debt for XXXX XXXX XXXX XXXX, and after speaking to CCS, they explained that they are no longer handling the alledge debt collection for XXXX XXXX on XXXX XXXX 2017 at app.XXXX I 've spoken to their supervisor confirmed they no longer are involved with the attempt to collect. Need it removed from my credit ASAP! Thanks in advance. XXXX XXXX.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sound Collection Services (CA)

I applied for an apartment at XXXX XXXX. They use a screening company called Sound Screening Services based in XXXX, WA. There was no mention of a 'hard ' credit pull during my application process. I wasn't able to secure an apartment with XXXX despite having excellent credit and income. Now I have an inquiry on my credit report which is adversely impacting my credit score. I'm currently a California resident and over here there is no reason to pull a hard credit inquiry for a renters application. Hard inquiries are only pulled when applying for credit/loan. This hard inquiry on my credit should be removed because I didn't secure the apartment and because it was not properly disclosed in plain XXXX that my credit would be impacted by hard inquiry. I'm still looking for an apartment and it doesn't make sense to be penalized for shopping around. This is highly unethical.. please remove the hard inquiry.
Consumer complaint received 2020-09-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NM)

On XX/XX/XXXX, We opened a Citibank Online Accelerated Savings acct. in XXXX, TX. We funded it from our XXXX XXXX XXXX acct via a transfer of funds from the sale of our XXXX residence. We had our mail forwarded to our XXXX, NM home where we were going to stay for several weeks. XX/XX/XXXX, Citibank mailed us debit cards which we did not request so we were not looking for them. The Post office was still sending mail to our mailbox even though we had it  forwarded. The cards were stolen from our mailbox and apparently the PIN code was also stolen. XX/XX/XXXX A thief activated the debit card and made 4 withdrawals from our savings totaling {$1100.00}. We were vacationing in XXXX, NM at the time of the theft. We called Citibank on XX/XX/XXXX, when we noticed the withdrawals. We reported fraud and stolen debit cards to Citibank and had the cards blocked. They gave us a case #. We reported the theft to the US Postal Inspector. The next day, XX/XX/XXXX, the same debit card was used again for 2 more withdrawals totaling {$1300.00}. We called Citibank to report fraud again and they did not show the debit card used in previous day as blocked. They opened another case for the new fraud and blocked the card again. 16 days later on XX/XX/XXXX, we recvd an email from Citibank denying our fraud claim. We called Citibank again and were told the original complaint by us was not logged as fraud, the card not blocked but they would fix report and re-file. They gave us a 3rd case #. 3 days later we recvd an email that the claim was denied since our debit card was used and a PIN was used so we had no defense. How can Citibank deny our claim Under Reg E. We notified them within 24 hours of the fraud and had card blocked. They will not even give us back the money taken after they were to block the card. We were forced to have a debit card which we did not want because they said that is the only way to access our account since it was an online savings. We have since withdrawn most of the money fearing more fraud will happen. Citibank would not allow us to transfer the money out the same we we transferred it in to them. We had to wire it out in several transaction over several days which they charged us a high fee for. We have several questions. How can someone activate a debit card without having to provide any security other than using a stolen debit card and stolen PIN. I have had to answer multiple security question and have codes texted to my phone just to even talk to a Citibank rep but a thief can take my money with no security at all. We have receipts to prove we were in New Mexico at the time of the theft in XXXX. We have our phone call log showing our calls to Citibank. We have emailed correspondence from Citibank showing their mistakes in handling the fraud. We have filed a Police report. All we ask is for Citibank to return our stolen funds as required by REG E. Thank you
Consumer complaint received 2022-10-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

My situation begin when I tried to refinance my car and was told that the company could not view my Equifax credit score. 

After trying to view my credit report on my.equifax.com, an error message came on my computer screen. I called Equifax to see what I needed to do to access my report. They told me to fax or mail a cover letter, a copy of my driver 's license and my social security card. I faxed the information on XXXX XXXX, 2022. I called in approximately a week later to see if the had received the information because I needed to make changes to my report in order to access it online. The representative then asked me for some additional personal information which he accepted and made the updates need in order for me to logon to my account at my.equifax.com. When I finally gained access, I received the following error : Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX to XXXX XXXX ( ET ) Saturday and Sunday. 

I then called the number and was told that I had to submit the same information that I had already faxed because they did not receive it. I could not understand how they could make the changes to my address and phone number that I had requested in order to gain access to the online account without the supporting documents. I mailed the information to them on XXXX XXXX, 2022. I call to check each day to see if they received the fax or mail, but it has yet to be processed. I also have faxed it again today, XXXX XXXX, 2022. 

I received a hard copy of the report along with my credit score in the mail. I am in the process of trying to purchase a house, and I was told that this issue would not have any bearing on a company who is trying to view my score. I have found that this is not correct. No one can view my Equifax credit report.
Consumer complaint received 2023-02-01
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: Nelnet, Inc. (MA)

Dear DEPT OF ED/NELNET ; These student loans under my name, ss number and address are reporting are inaccurate, misleading, incomplete, and therefore unverifiable. I request that the following accounts under my ssn house are your database be truthfully validated or rapidly removed or deleted from ALL my major credit report effective now.
Consumer complaint received 2022-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Technology Federal Credit Union (CA)

First tech federal credit Union refused to return funds to me exceeding {$800.00} even when the merchant initially responsible for the charge was not taking steps to contest my dispute. I dont understand why a credit union would act this way, and until resolved XXXX XXXX am not able to trust first tech with my finances. They XXXX XXXX {$800.00} from me!
Consumer complaint received 2020-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

during the time of all the disaster and covid-19 i was facing ahardship with financial, death in family, military service entry from XXXX to XXXX when i was XXXX XXXX due to serious XXXX XXXX, XXXX  issues and high medical bills that made my mortgage fall so far behind when i serve or aware of the foreclosure until i was in the house and XXXX sent XXXX to my property and place pad locks on the door included locks change, I tried to contact XXXX foreclosure department and didnt seem to get any responds back til 10 days later. So i was so emotional stress end up with a XXXX XXXX when i decided to apply for a loan modification got approve for only a week after i sent the payments in and never receive none of the payments back. i contact me a lawyer but couldnt afford one at the moment, i hire a realastate agency to listed my property for sale. as i listed it XXXX   wanted more money on the property more than its worth, so the buyer back away from the deal in buying the property and the realastate failed to submit documents to the banks so it expired the offer too. I have evidence of everything that occur with XXXX XXXX  and proof. Please i appreciate that you look into this matter or my attroney will take legal action.
Consumer complaint received 2021-05-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (GA)

This seems to be a XXXX XXXX XXXX Scam got via email. 
XXXX Ace Cash Express Payday Loan Good morning This is Attorney XXXX XXXX calling from The XXXX Law Firm, XXXX TX billing department. 
We are emailing you concerning an overdue bill. 
Case # XXXX Your Billing amount of {$740.00} Contact at : mailto : XXXX I have a bill here for your name the unpaid loaned amount of {$740.00} is currently 180 days past due. I know its easy to forget about bills, but Id hate to see this go on your credit report with the legal charges below via courthouse. 
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Our policy is to send bills more than 180 days overdue to a collection agency, but if you can take care of this right now, we wont need to do that. I realize thats a large sum. But Id still like to work with you to avoid this being on your credit report. 
We can offer to split that into a one-time case settlement payment of {$540.00} and close this case today, or 3 Biweekly payments of {$250.00} each until the loan amount of {$740.00} is paid off. 
If you can make the first payment right now, I can set your account up so that its no longer delinquent. 
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 
Note : This is your last and final chance to settle this case. 
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2-3 working days. Kindly hire an attorney. 
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. 
Kindly let us know what type of payment arrangement ; you are looking for at mailto : XXXX Regards, ACE Cash Express, Authorized. 
Copyright 2019 ACE Legal Group of Attorneys | Privacy | Terms of use | Carrier
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA cancelled my card -XXXX  because they said it was "compromised".I was told a new one was sent. After a month I have not received.I tried to resolve by phone, but would only verify my identity by mobile phone or email to which I do not have access, so agent XXXX  and supervisor XXXX would not continue to resolve this problem.
Consumer complaint received 2017-10-26
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. (WI)

There was an account that someone opened in my name with XXXX XXXX XXXX, I believe it was an ex girlfriend. I did not authorize it, charge on it or had any knowledge about it. I have disputed with the bureaus but yet it keeps reporting. I do n't know where else to turn so I am hoping your company can assist me. Please
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX XXXX, XXXX XXXX, XXXX XXXX ( not I repeat not no my biological father-birth certificate-it 's fraud-two different ages-do n't know who this person is-why do I have to answer security questions in order to pass a security credit report question??? ), XXXX or I have no idea who these people. I have to keep answering questions from companies in order to pass a security credit report question. I reported, have tried to fix this problem. No a clue who these people are on my credit report. How can I answer questions about people I do not know, never. I did not grow up with them, don't know them. I am constantly reporting names I do not recognize-XXXX. No I grew up in XXXX my whole life or XXXX XXXX. Never before XXXX did I have to answer questions about these people before. Why all of a sudden within the past couple of years for people who's personal info I do not know. 
Including XXXX XXXX XXXX is not my address in XXXX XXXX tried reporting but for XXXX to XXXX that is reported as an address. I am constantly reporting names, Addresses, places I never live, including someone with my identity using my name altered. That is truly weird for the past few years reporting names that never had to be answered before, all of sudden then in XXXX all this weird ( me the victim ) exhausting myself trying to report again, again to authorities.
Consumer complaint received 2020-11-23
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 — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (FL)

I recently reviewed my credit report and noticed a collection account on there of which I have no knowledge. I tried XXXX this company and just keep getting a automated message to leave my information for callback. 

Having this unverified and unknown account on my credit report is damaging my ability to obtain credit.
Consumer complaint received 2022-04-27
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. (MS)

XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights.

15 u.s.c 1681 section 602 states I have the right to privacy.

15 u.s.c 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Kohls Credit Card. 
1. They disconnected my account from autopay that I had been on for years without notifying me, and then charged me interest for not paying.

2. I paid the bill by copying and pasting my account information from the bank site to the Kohls site, and I contacted them complaining about what they had done.

3. After I contacted them they returned my $ $ and said I entered the wrong account information- which I know I didn't do because I literally copied and pasted it from my bank 's website, and I double checked it on entry. Then once again they didn't contact me- until after I had paid again.

4. I paid them for everything I charged but none of their fees because they were the ones that initiated and compounded the problem. They can see from my history that I am a person that pays in full each month and they should be able to see that they disconnected me from my autopay without notification. I contacted them, but they only responded by sending me a snail mail asking why I hadn't paid my bill- which doesn't make any sense since I had already contacted them twice about this online. 
5. I haven't heard anything from them. Silence. I just want my account zeroed out and closed. I will never shop there again.
Consumer complaint received 2017-12-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX must be forthright, must be truthful, must not play games, you must answer this question, you must produce the documentation, you must " PROVE UP ''. 

Occ # XXXX -published Cfpb # XXXX Letter Dated XX/XX/2017 Chase sai the exact ; XXXX funding securitized the loan into a mortgage trust for which XXXX XXXX was the TRUSTEE. 

Prove up with documentation that XXXX XXXX was trustee of above said XXXX loan? 

DO NOT CONTACT CHASE.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XXXX of 2022 I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. XXXX credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed '' and " Past 90 days past due ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/06/XXXX  XXXX XXXX-Date of inquiry XX/XX/0XXXX XXXX XXXX-Date of inquiry XX/XX/26/XXXX  XXXXDate of inquiry XX/XX/26/XXXX  XXXX XXXX-Date of inquiry XX/XX/26/XXXX  XXXX XXXX-Date of inquiry XX/XX/15/XXXX