davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I have a mortgage with Caliber Home Loans. The mortgage is currently 5 years and 2 months old. I had an appraisal done on my home in XXXX of 2020 that stated the home was worth {$420000.00}. Caliber Home Loans received a copy of that appraisal in XX/XX/2020 and they have it in my mortgage records right now. I currently owe {$320000.00} on the mortgage. Using these solid numbers, the current Loan To Value is 76.5 %. Per the PMI rules for my loan, the LTV must be below 80 % and the loan must be 5 years old or greater. I currently meet both of those criteria. Caliber Home Loans is telling me that I have to get another appraisal ( at my cost ) in order for them to consider removing the PMI monthly premium. 
I have called multiple times into their call center and have not been able to get anyone on the line that can answer even basic questions about PMI and what is necessary to get it removed from my mortgage. They just state repeatedly that I have to get another appraisal, which I know I do NOT need to do. 
They also do things like put me on hold for 30 minutes or more, transfer me around to others who also know nothing about PMI, and refuse to let me speak with a XXXX or anyone that can speak knowledgeably about PMI.
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

Two unauthorized money transfers were taken through my XXXX which was directly linked to my bank, one in the amount of XXXX dollars and the other XXXX dollars. I filed two disputes for both these transactions, and within about an hour of so of filing each dispute, my claim was denied due to the fact I have sent money to the person who received the funds before. Speaking with a representative from XXXX through chat messaging, I was told that money transfers were under the assumption of them that they were legit transfers. I do not know how this person was able to log into my account to transfer this money, but I absolutely did not authorize them to take any of the disputed funds. I was able to stop payment through the bank on the XXXX and the XXXX is now under investigation through the bank. However due to the stop payment, XXXX now has my balance in the negative and refuses to remedy the situation and want me to pay the negative balance, money which I do not have.
Consumer complaint received 2019-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendUp Loans LLC (CA)

LendUps payment processing system wont process a payment using two different MasterCards. The error message is does not state a reason. This issue was duplicated by Lendup via phone support. Lendup is aware of the issue as it is indicated on my account early 2018 when first reported this issue. They have not resolved it and have not been able to process my payments. Although they say this is being investigated as an issue with their system, Lendup has still negatively affected my credit. I have made regular attempts to pay and their system still fails. It even fails with the account they sent the initial loan money to. 
They will communicate this issue with me over the phone but are very careful not to indicate it via email. I have communicated this information to Lendup with no resolution.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (NC)

Original Creditor was paid on XX/XX/29. Received a letter from ARM solutions on XXXX. I tried calling the number on the letter ( XXXX ) XXXX. There are two options in the automated system : 1 ) Make a payment and 2 ) wait for a rep. I chose option 2 and after a minute or so the line disconnected. I repeated the process several times. 

Debt not valid and their phone number does not take incoming calls despite listing phone calls as a valid way to dispute the debt
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been trying to log into MyEquifax all this morning Wednesday, XX/XX/2019. The MyEquifax system tells me that my account is locked - to call Customer Care at XXXX. 
The first two ( 2 ) agents I talked in Customer Care of Equifax put me on hold and then cut me off. 
The third Customer Care agent sent me a link to reset my password. This did not work. He then sent me another password reset link, but said to wait 30 minutes and reset the password. 
I waited more than 30 minutes and the MyEquifax system took the password change again, but then said my account is locked. It said to call Customer Care.

The 4th Customer Care agent sent me another password reset link and said wait 30 minutes to use it. I waited an hour, reset my password and tried to log in. The MyEquifax system said my account is locked and to call Customer Care. 
The 5th agent in Customer Care hung up on me after about 10 seconds.

I tried talking to a different Equifax agent in another department ( new identity protection products ), who tried to help me, but eventually the Equifax phone system cut me off after about 30 minutes of discussion. Before I was cut off, this agent said he needed to try to find other technicians to help me.

When I was trying to get help on this matter, after being disconnected numerous times, I saw that I can send an email of my issue. The Equifax system has taken my complaint and assigned Case # XXXX. 

As of this time, no rep from Equifax has tried to call me on this matter. All I have is a system complaint response and the experience of being hung up on and disconnected by their agents numerous times. 

As of this morning, XX/XX/2019, I can not log into my account at Equifax the MyEquifax system. Being told by Equifax that my personal information was already compromised in the Equifax hack of several years ago, I need to review my data and information that they have in response to their email sent to me on XX/XX/2019. 

I need help from someone to get this critical matter corrected at Equifax.
Consumer complaint received 2019-05-10
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: SYNCHRONY FINANCIAL (FL)

Inquires made by the following XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, SYNCB on XX/XX/XXXX, SYNCB on XX/XX/XXXX I contacted XXXX, XXXX & XXXX via U.S mail & via telephone to have the inaccurate inquiries removed. Please investigate these inquiries at your earliest possible convenience. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.
Consumer complaint received 2020-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2023-01-30
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. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXX XXXX XXXX : {$1700.00}
Consumer complaint received 2023-01-30
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)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2021-04-26
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. (LA)

Good afternoon hopefully you guys can put an end to this. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Please see my IDENTITFICATION attached and the report I filed under identity theft. Please delete these.
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-09
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. (TN)

I have submitted disputes with Experian and XXXX and I have asked for verification or validation of letters from XXXX XXXX XXXX XXXX XXXX that either I get that or they need to do what the law says and that part just keeps getting ignored not one time have I seen anything verifying any of the information it is completely different information on every credit report that I have seen the dates are incorrect and none of the information is the same and to my knowledge if they're asked for verification and validation of a debt and it is not provided then to my knowledge they're not allowed to report that information and I have asked for months in a row and I just keep being told it is verified but I have seen no verification when I have asked and asked and asked
Consumer complaint received 2019-10-31
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: Experian Information Solutions Inc. (GA)

I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.
Consumer complaint received 2017-07-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I took out my first private loan with XXXX XXXX in XX/XX/XXXX. Since then I have taken out a large number of loans ending in XX/XX/XXXX. I have a balance over 100k which I do earnestly intend to pay off once I graduate with my XXXX and land a job. This past semester I finished my XXXX and have been accepted into the XXXX XXXX ( same school, XXXX University ) for the fall. I am currently enrolled and should be eligible for in-school deferment. Today I was told by a Navient representative ( XXXX XXXX moved my loans to its sister company ) that I am 1 month away from a 48 month limit on in-school deferment for private loans. The problem is that my Masters Promissory Note ( s ) does not have this agreement. The various notes that I signed state that I have indefinite deferment as long as I am in school. <P/>*Below I have attached a sample promissory note saved back in XX/XX/XXXX.
Consumer complaint received 2020-11-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$0.00}, {$1600.00}, {$430.00}, {$420.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$130.00}, {$2400.00}, {$470.00}, {$440.00}, {$420.00}, {$1800.00}, {$540.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

14. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

15. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Consumer complaint received 2020-11-21
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$0.00}, {$1600.00}, {$430.00}, {$420.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$130.00}, {$2400.00}, {$470.00}, {$440.00}, {$420.00}, {$1800.00}, {$540.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Consumer complaint received 2019-11-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Omni Financial Corp. (NC)

I received a call from Southeast Toyota stating that I was behind in payments. I mentioned that it is the spouse that usually handles the payments and I requested to drop the late fees that have reached almost {$80.00}. I am not trying to not pay the monthly dues, but as good customer service, I requested to drop said late fees.

The supervisor then said that since they're audited by CFPB, they could not drop the accumulated fees.
Consumer complaint received 2019-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX 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. I was also advised to reach out to the FTC and my local police which I did.