davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NH)

I previously filed a complaint, to which Caliber Home Loans responded, however, their response is inaccurate. 

They indicated that I had a cease and desist with my former servicer XXXX, which was false, and that the cease and desist follows my mortgage. In the same vein, they stated that they have no modification information ( which was included in court order ) and that information does not follow the mortgage? How is it possible? 
They continually refuse to speak to me, although I have a court order stating myself as the co-borrower and therefore should be communicated with as such. 

Per instructions from a representative of XXXX XXXX XXXX XXXX I sent in writing authorization to speak with me. I received a response, that they would investigate my claim of error, and instead my home was foreclosed on. I was denied my legal rights to pursue any and all avenues to prevent the foreclosure, which took place outside of the legal time of notification by. Using the United States Postal Service, Caliber has sent false and misleading documents regarding my mortgage, their impending investigation into my claims of error. Caliber indicated their release from PMI was due to my mortgage status. Again, this is false and misleading as Caliber was not involved in the release of PMI and no such statement was made that PMI was being released due to default. 
After I filed my initial complaint with CFPB, I received another letter from Caliber Home Loans dated XX/XX/XXXX stating " acknowledgment of receipt of my correspondence and we will perform the necessary research and respond within the time period required by law. '' This is the same letter that I received on XX/XX/XXXX from Caliber home loans " Notice of Error, Request for Information or Qualified Written Request. This information has continually been sent to Caliber Home Loans, Inc ATTN : Customer Support and Escalations Team XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX
Consumer complaint received 2017-09-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc (AZ)

I contacted Alpine Credit Inc. on XX/XX/XXXX I spoke to a representative in regards to a medical debt I owed. I asked the rep if they were willing to offer a settlement to pay two debts that were in their office. The rep said they were willing to give me a settlement offer to pay these two debts in full she gave me that dollar amount I told her that I would send them a check in that amount to have these two accounts paid in full. I then asked her once she received my payment could I get a paid in full invoice, she said that I needed to call back and that once the payment was received they would send me a paid in full invoice. 

I called back on XX/XX/XXXX to make sure they received my payment and get the paid in full invoice. The rep I spoke to told me that my accounts were not paid in full and that I owed additional money and that they would not be sending me an invoice that these accounts that were paid. I told her that I spoke to a rep on XX/XX/XXXX she told me a dollar amount to send that would pay these accounts in full. The rep then told me that I was must have misunderstood because the notes the other rep had put in computer showed that I was only receiving {$25.00} off my balance and that I needed to send them more money. I then asked the rep if I could speak to a supervisor because that is not what I was told, she told me she was the supervisor and that I still needed to send more money. I asked her if all the calls were recorded she said yes they were I asked her to review the recordings to clear this up. The rep said she would and would get back to me in a couple of days. 

I called back on the XX/XX/XXXX I was told the rep I have been working with was at lunch and to leave a voice mail, so I did asking her to call me back. I did n't get a call back from her so I called again on the XX/XX/XXXX left anther voice mail. Still after not getting a call back I called on Friday XX/XX/XXXX spoke to another rep she said that the rep I have been working with was reviewing my file and that I would receive a call back that day which was XX/XX/XXXX, I never received a call back.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT AUTHORIZED AND WHO OBTAINED MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. THIS SITUATION IS NOW BEYOND MY CONTROL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2016-02-03
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

Good day XXXX, I want to say that I am XXXX XXXX veteran XXXX female. I am not sure if you are the right agency to contact about my personal concern with how I was questioned by a financial institution when I requested and applied for an online loan. I applied for a small home improvement loan through I can not remember if it was through XXXX or XXXX. OneMain Financial online lending institution was one of the potentially interested online lenders of my application request. It was about XXXX XXXX, XXXX, the agency wrote to me through email asking me to call. I called and was asked a bunch of questions about my monthly incurred living expenses. If I remember correctly he took down the information and said that he would get back to me. I received a call one morning when I was asleep I answered the telephone and it was OneMain Financial calling waking me to ask more questions when I thought that I had answered everything on the first call. If I can remember it correctly I was still sleepy not really focused for the day ahead of me and he asked me out of the clear day if I ever filed a bankruptcy. I struggled to understand what and why he was asking I am also moderately hearing impaired. So I repeated what I thought he said however I asked if he asked me if I filed for bankruptcy in the last seven years. He repeated had I ever filed for bankruptcy I remember thinking can he ask me that? I thought I was protected if it was more than seven years ago and that I did not have to answer. I was perfectly willing to be told no OneMain Financial would not loan to me. He insisted as I said I was waking up and I did not want to respond but found myself responding yes. He asked when my bankruptcy was filed. I told him in XXXX XXXX. That was more than 20 years ago and I was frightened into it by the creditor XXXX threatening that they would send XXXX truck to my living place to pick up the money that I owed them. I was scared and I filed rather than be subjected to intimidation I had also recently received a telephone death threat and we were talking by phone. I received another call by a female who asked me similar questions as the first XXXX people and instantly told me I could not be approved. My concern is did this online financial institution OneMain Financial have a legitimate right to ask me about my credit 20 years ago when I had lost a job, and was near homeless. That XXXX XXXX on my birthday I was evicted and spent 10 years homeless. I was reminded of that period of time in my life it caused me emotional distress. I hope if you are not the right agency that you XXXX will point me hopefully in the right direction of who I should direct my concern to. Thank you.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

I purchased XXXX  computer in XX/XX/XXXX at XXXX  store ... ... They offered me financing through Barclays credit card with 12 months at 0 % percent financing. I asked them what will happen after 12 months, they told me that they will start charge me an interest at that point.

Not once they told me or explained that they will also add all unpaid interest for the first 12 months back to my account. I only found out about when my credit card was declined as it became over the limit by over {$350.00}.

Barclays Credit added {$550.00} to my account in XX/XX/XXXX.

I called Barclay Credit card tried to explain this situation, but they refused to hear me out and refusing to reverse this charge. This is really misleading and they took advantage of me unfairly
Consumer complaint received 2017-09-18
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: EQUIFAX, INC. (CO)

Mid-XXXX through XXXX XXXX This is the time frame in which Equifax says hackers gained unauthorized access to its data. 

Thursday, XXXX XXXX Equifax discovers the hack and immediately stopped the intrusion. 

Tuesday, XXXX XXXX & Wednesday, XXXX XXXX XXXX top executives from Equifax sell nearly {$2.00} XXXX worth of company stock. 

Thursday, XXXX XXXX Equifax officially alerts the public about the cybersecurity incident and provides a dedicated website for consumers to check if they were affected. Later on that night, the company also issues a statement saying the three executives had no knowledge that an intrusion had occurred at the time they sold their shares. 
-- -- -- -- -- -- -- - I have signed up for their free " service '' and I get contradicting updates from their call center. The executives took action to preserve their profit before they took action to protect those hacked.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background (TX)

I had a Motor Vehicle Record background check performed by Accurate Background on XX/XX/XXXX for a promotion I am in line to receive at XXXX. During the check my license was suspended due to a clerical mistake by the Department of Public Safety. I had paid a surcharge off in full but they showed that I still owed {$21.00}. This was due to a discrepancy with a " convenience fee '' when paying online and was of no fault of my own since I had paid the total amount owed. The MVR background check came back showing that my licence was suspended even though I had contacted DPS and had the problem corrected. My license is current and valid now and I want the MVR background to reflect this.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

WellsFargo closed my checking account on XX/XX/XXXX because they did not received a response from me to a letter they sent. My fault for not changing the address on my account when I moved. They never emailed me of attempted to call. 
I spoke to them beginning of XXXX and they told me they had sent a cashier 's check, however they sent it to the old address and therefore I never received the check. After many calls with the service department, I finally was able to open a case with their escalation department on XX/XX/XXXX. As of today, XX/XX/XXXX, nothing has happened. I keep calling and they keep telling me that " they are working on it ''. My case has changed two escalation associates and no one is able to do anything or provide updates. The balance on my checking account was ~ $ XXXX, it is a significant amount and I need WellsFargo to simply send me another check to a new address I provided back in XXXX.
Consumer complaint received 2020-02-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I am a mortgage banker at XXXX XXXX  in the XXXX, GA office. I am having a problem with the company, Bayview loan Servicing LLC. To make a long story short, my client purchased a mobile home with land from the executors of the Estate of XXXX XXXX XXXX and the Estate of XXXX XXXX XXXX on XX/XX/2019. The address of the property is XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. My client did not want to retire the title so we have been waiting on this company to release the title since this past XXXX. The company will not speak to me but they will speak to one of the executors. They have told the executor that they mailed the title to the office of the closing attorney ( XXXX XXXX in XXXX Ga ). The also informed the executor to not call them back. Mr. XXXX has not received the title and informed me to file a complaint. The phone number I have to the company is XXXX, but there is a different phone number for them online. The loan # is XXXX. All we need if for them to release the title so my client can apply for a new one. I would appreciate any assistance you can give me on this matter. Please let me know if you need any additional information.
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Diversified Consultants. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Thank you,
Consumer complaint received 2018-09-27
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: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX I submitted a complaint stating my credit reports were in accurate. 
Wells Fargo had reported a first major delinquency on XX/XX/XXXX on my home mortgage to all four credit bureaus. Wells Fargo investigated and said there was no delinquency reported. I received a copy of all four credit  bureau investigations. Three of them had the errors corrected. XXXX  did not. XXXX  is still reporting a first major delinquency on XX/XX/XXXX. On XX/XX/XXXX I spoke with Wells Fargo explaining that XXXX  stills shoes the first major delinquency on XX/XX/XXXX. Wells Fargo again said they never reported it delinquent. XXXX says it can not change it because Wells Fargo denies reporting the major delinquency. I have attached the XXXX  Credit Report that was sent to me. The error I am disputing ins on the bottom of page 12.
Consumer complaint received 2021-10-02
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: Early Warning Services, LLC (NV)

Back in XXXX of XXXX, I was a victim of Idenitity theft, I filed a police report when I disovered there were fraudulent accounts being opened under my name 11 to be exact, by XXXX XXXX XXXX, The items and accounts are being reporting on Early Warning Services LLC, I have Filed Several disputes with them to only have them remove everything but the following 11 XXXX XXXX accounts. I recently was able to place a block on the Early Warning Services Report, and I also filed a report with the FTC all the documents I will have attached, I have attempted to dispute this directly with the bank I have been given the run around since XXXX, This is hindering my life as I am a victim of my idenitity being stolen, I can not currently open any accounts until this is resolved and removed from EWS. This is hindering my buisness.and my life.
Consumer complaint received 2021-01-23
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. (MA)

Equifax online credit freeze portal is broken and never working. It's unacceptable that something every consumer needs for mortgages, credit lines, etc ... Is so poorly operated. They should be shut down. 

I tried calling and their service reps are awful. They bounce you around and make excuses or outright lies about how they're intending to fix your issue. 

I'm just trying to unfreeze my credit for a short window because this company was responsible for a massive data beach and created this mess in the first place. 

They can't even help me with that. They claim their " systems are down and to check back in 30min to an hour ''. It's all lies.
Consumer complaint received 2024-03-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to XXXX XXXX XXXX XXXX XXXX which states that the recipient must respond to the request within 14 days. It has been over 14 days and I have not received a response. I have requested that the XXXX XXXX XXXX ( also referred as XXXX XXXX or XXXX XXXX ), a copy of the 1099-c that was filed for the account, the truth in lending disclosures, and the opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached.
Consumer complaint received 2017-09-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IA)

On XX/XX/XXXX multiple payments to this mortgage were made simultaneously to bring the loan current.
On XX/XX/XXXX we were informed that although the prior months payments were applied perfectly, XXXX 's payment of {$960.00} would not be applied because there had been a payment plan offered by Freedom Mortgage. Although not accepted, this payment plan proposal is said by Freedom Mortgage to be sufficient for them to require the $ XXXX monthly payment thus rendering the {$1200.00} paid for XXXX and fees a " partial payment ''. 
We have now sent multiple copies of our written request for fund application to Freedom Mortgage and have received no response. 
The funds in question remain in suspense with Freedom Mortgage making no attempt to either apply or return them. 
The funds in question are in the amount of {$1200.00} and have been suspended for the duration of 38 days. 
Per our phone conversation with an account representative on XX/XX/XXXX, the " payment plan '' referenced as reason to suspend funds in excess of a monthly payment would expire on XX/XX/XXXX prompting the application of funds. 
Per our phone conversation with an account representative on XX/XX/XXXX, the " payment plan '' referenced as reason to suspend funds in excess of a monthly payment would need to be rejected in writing and sent to email " XXXX '' or faxed to XXXX. 
See forwarded email sent to said address on Tuesday XX/XX/XXXX with the aforementioned written request. 
A fax to the number provided was also attempted but was unsuccessful. ( Fax responded as a UNSENT : BUSY ) This account has been charged with a late fee for the XXXX payment of {$960.00} ( as stated on mortgage statement dated XX/XX/XXXX ). 
Negative information has been reported to the credit agencies. 
No mention of a payment plan has been made in writing to the mortgagors of this loan. ( See Mortgage Statement dated XX/XX/XXXX ) No mention of a payment plan has been seen on a mortgage statement received by the mortgagors of this loan. ( See Mortgage Statement date XX/XX/XXXX ) It has now been 38 days since Freedom Mortgage has issues a mortgage statement to the mortgagors of this loan. 

We believe this to be an abuse of the suspense account and request action be taken immediately.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (NJ)

On XXXX XXXX I was approved for a loan and received a used vehicle from XXXX. 
That day I was asked to sign a XXXX XXXX of Attorney and few forms for the delivery agent for registration and other processes needed to be completed by XXXX before she could leave the automobile, which I politely accepted. I signed the forms and the agent accepted the forms and left the property. 
On XX/XX/2022 I received an email from XXXX XXXX ( Title and Registration Specialist 1 ) [ emails attached ] informing me that they really wish to proceed with registration, which was confusing because I had already signed it. 
She then instructed me to sign my signature a certain way to satisfy her. 

XXXX XXXX told me to : -Sign my name how I signed it on my drivers license. 
[ proof of drivers license signature attached ] -Get Both Documents Notarized. [ proof attached ] -Send both original documents with wet signatures on them ( not copies ) I was unaware that XXXX XXXX XXXX XXXX or any person could tell me how to sign my name. 
When I signed I made a full reservation of rights. AS PER UCC 1 - 308 [ Documented proof attached of events to follow ] On XXXX XXXX I sent a NOTICE OF DISPUTE and affidavit for verification and validation of the debt. 
A letter dated XXXX XXXX which purported their inability to verify and validate the debt owed. 
[ proof of mailing attached ] Again on XXXX XXXX I made another attempt and sent BRIDGECREST another NOTICE OF DISPUTE, which again, BRIDGECREST ignored and did not respond and did not verify or validate the debt. 
[ proof of mailing attached ] On XX/XX/2022 I sent a DEBT VALIDATION LETTER. [ proof of mailing attached ] I received a response via XXXX, which in the re : correspondence received on XXXX XXXX was infact incorrect and a response that BRIDGECREST WOULD remove me from a DO NOT CALL LIST and not a verification and validation of debt. 
[ response attached ] On XX/XX/2022 I sent a NOTICE OF NONCOMPLIANCE and again gave BRIDGECREST another opportunity to verify and validate the debt. [ proof of maling attached ] On XX/XX/2022 I received a letter from BRIDGECREST stating they were unable to process the request.