davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MD)

This is the letter I sent to them XX/XX/2020 which explains my problem with them. 

XX/XX/2020 Caliper Home Loans Re : Loan # XXXX Re : Refinance Loan # XXXX Dear Caliper, This is in regard to a Loan Refinance we were offered XX/XX/2020. I was told we qualified because we had not been late for over a year. Interest rate would go from 4.75 to 2.75. Great. 
What this refinance would do is not only give us a mortgage payment of {$500.00} less per month but would also give us a free month before our first payment. Because of the Covid19 Virus prices and expenses have risen dramatically. We also had family that was hit hard and did not received income for a while. 
And because we knew we were going to get refinanced, we sacrificed our emergency money to help them. We would have a month grace period before first payment so we would be able to take that months payment and put in the bank. We would have our emergency funds back. Also with a {$500.00} less a month payment it would allow us to save. Finally getting something that would help us maintain our finances. But that did not happen. 
We were shooting for an end of XXXX closing date. All papers needed for closing for the title company did not happen until mid-XXXX. Ok no problem. We close end of XXXX. That did not happen because it was discovered that another document needed for closing had not arrived. My loan processor told me that she was told it was supposed to only take 15 days to get this. As far as I know they are still waiting for this to show up. 
So now we get to XXXX. Still no word on a closing date. Then our family had an emergency that made us late on our XXXX payment. Had AC repairs that had to be paid. If the refinance had closed not only would we have not been late, but we would have had our emergency funds back. 
Then I get a call from XXXX XXXX XX/XX/2020. I thought finally getting a call about a closing date. Instead all we got was Oh! We see where you had a late payment for XXXX so we cant give you a refinance now. What! We should have closed on this loan in XXXX or XXXX. We started this process XX/XX/XXXX. We were not late for XXXX or XXXX. And even with a late XXXX payment, all you can tell me is Sorry? What I expected is you to tell me that although we were late for XXXX and the document we needed to close should have been here a month ago, we are not going to hold that against you. We can still close on the loan. 
A lot of companies including yours makes statements like, We Are Here to Help You. Well this was the help we needed. And as far as I am concerned you failed us. 
The only thing this almost refinance managed to do was put us back in a late status. Thanks a lot. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX, MD XXXX XXXX Cc : HUD Cc : CFPB
Consumer complaint received 2017-08-04
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: North State Acceptance, LLC (NC)

I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.
Consumer complaint received 2020-09-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (GA)

My phone rang at XXXX XXXX with a number that i did not recognize. I did not answer and sent the number to voicemail. Again at XXXX my phone rang again with the same number ( XXXX XXXX ). I answered, thinking that it was an emergency, and it was a collection call from Global Radius Solutions. They were attempting to collect a debt and informed me that the call was being recorded. I asked to speak to a supervisor and was placed on hold. When the supervisor answered i informed him that calling back to back was harassment. The supervisor continued collection activity, and would not acknowledge the company 's wrongdoing. I informed him of my lawyer 's phone number ( incorrect number given on accident ). He eventually acknowledged my complaint and stated that i would not be contacted again. I called back again to give the correct phone number for my lawyer and was recorded in doing so.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

The three major credit bureaus are reporting a bankruptcy past the credit reporting limit and it must be removed. I recently checked my credit report and noticed that a very old bankruptcy continues to report on my credit file. This was filed 9 years ago! That is insane to still be reporting on my credit file as the credit reporting limit is 7 years. This needs to be removed immediately.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XXXX Synchrony Amazon Card Closed my account without any noticed. When I contacted them they informed me that it was because I had made XXXX attempts to make a payment and the payment was rejected. This was an error because I accidentally had my second bank account as the default account to make payments which I was not aware of. When I caught the issue I was able to quickly default my main bank as the account and I made a payment within a 30 day window. There was no need for them to close my account. They never contacted me or sent me a letter they just closed my account. I have never missed a payment from them or any other company in the last 9 years. I feel that the action they took is un fair and will impact my credit report as my overall utilization rate will increase and my credit history will decrease. I am very upset that there hasn't been a law to protect consumers from this kind of behavior from lending institutions. I called Amazon customer service and they informed me that they could not reactivate the account and that I would need to reapply. This would also mean that my credit would be impacted as now I would have a new inquiry and if I applied it will stay on record for XXXX   years impacting my credit score. I was given a fax number to send a letter to the bank to see if they could look into the matter however when I went to XXXX to fax the letter this morning the fax number was not valid. I have attempted to contact the bank but there is no means to connect with an agent that will talk to me.
Consumer complaint received 2020-09-17
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)

THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to dispute several items on my credit report that I believe to be inaccurate and unverifiable. Despite multiple attempts to resolve this matter through traditional mail and via the Consumer Financial Protection Bureau ( CFPB ), I have yet to receive satisfactory responses or evidence of any investigation conducted by your bureau.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

Pro Collect Has told me that they do not have to provide me with papers I have supposedly signed from a debt that i do not owe 3 years ago. I did not even know existed they were rude and told me they will send me mails and call monthly until paid. they are rude and provide no proof of what i supposedly owed. the Apartments were no help also stating they could not find my record are my lease.
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OK)

OnXX/XX/XXXX at around XXXX, I deposited {$1100.00} into my bank ATM Address : XXXX XXXX XXXX XXXX , Oklahoma XXXX , OK XXXX. The machine that I deposited has failed me three times before. I called Chase bank to file the claim and on XX/XX/XXXX, they said they did a thorough investigation and only found XXXX. They reverse the remaining credit from my account and said that there was nothing else that they can do.
Consumer complaint received 2020-09-17
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)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding LLC started attempting to collect a debt in 2014. They claim I owed them {$1200.00}. They are reporting this on my account plus adding interest they have also stated they will be levying my bank. I have never had an account wit this company. I called Midland Funding 4 times in the three months to attempt rectify the situation to no avail. Every time I call them they are saying that their court officer, XXXX XXXX is handling the case and they have n't been able to contact him. I have not been able to contact him either and I 've tried calling several times. His account is having a very negative impact on my credit. It prevented me from obtaining a home mortgage and I 've called them and explained to them that I needed to take care of this account.
Consumer complaint received 2017-09-01
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: CITIBANK, N.A. (MD)

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department Stores ( applied via XXXX XXXX Department store ). This account was opened on XXXX XXXX, XXXX - and currently has a balance of {$700.00}. In early XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XXXX/XXXX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (OR)

On the XX/XX/XXXX I deposited XXXX into my coinbase account. They said it was not funded by my bank and took XXXX of assets out of my Coinbase wallet in return. However, XXXX XXXX DID fund the transfer and they are mistaken. I contacted XXXX for 4 weeks and they are ignoring me completely. I filed a fraud claim with wells and won. Now they are strong arming me and locked my account saying that I must pay them the XXXX I won or else they will take it from me. They are going to steal back the XXXX grand from me again! Im so upset and really need help. 

XXXX
Consumer complaint received 2020-09-17
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: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2020 a dispute was entered for the amount of {$53.00} for the XXXX XXXX of on my credit card with Navy Federal Credit Union. The items ordered were 3 XXXX XXXX, 100 % human hair, 1 donor XXXX XXXX. What was received was 2 alike XXXX XXXX not ordered and synthetic XXXX XXXX. With no lace frontal at all. On the dates of XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called to reference claim number : XXXX. On the date of XX/XX/2020 I called the customor service number at XXXX and got XXXX no reference number or specific employee identification could be provided. He ( XXXX stated ) that employee id information could be given to me. I then asked for him ( XXXX ) to e-chat his supervisor. I was then told there was no one else I could speak with other than him ( XXXX ). He then began to say he did have a supervisor XXXX that wasn't willing to assist with the matter at all. As of XX/XX/2020 dispute has still not been assigned to an investegator.
Consumer complaint received 2017-08-04
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)

XXXX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (NY)

In XX/XX/XXXX there was a repo for a vehicle i purchased from BMW financial. I have contacted all 3 credit bureaus and alerted them that i have not made a payment to BMW since XX/XX/XXXX.  The 7th year that the vehicle should be removed from my credit is this XX/XX/XXXX. BMW placed my account in collections in XX/XX/XXXX for non payment then made false reports of payments in XX/XX/XXXX to  XX/XX/XXXX and in XX/XX/XXXX they placed it back in collections. They are trying to keep me in collections until XX/XX/XXXX which would be 12 years they would be on my credit report. 

The credit bureaus will not remove it until they say it has been in collections 7 years.. which it has..the economy crashed and i lost everything that year. Thank you.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

About a year ago Comenity Bank purchased my XXXX from XXXX 's. Ever since then, if you want to pay more than the minimum payment, you have to speak to a representative and each time go through all of your bank account information to make a payment. It is a business card for us and we want to pay the total balance every month using the automated system. It is a ridiculous waste of time and is in place only to discourage people from paying off their balances and avoiding paying interest charges. They tell you to go pay it from the website but that site never works. It is one delay and stall tactic after another.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (TX)

Equifax failed to validate accounts I have been disputing since XX/XX/2022. Despite nine written requests, the items remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that the accounts are mine and is correct. In the results of their investigations, Equifax stated in writing that they verified that the items are being reported correctly. Equifax did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised Equifax that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Equifax failed to comply with Federal Law. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear TransUnion, I am writing to dispute inaccurate information currently showing up on my credit report. Specifically, there is an account listed from XXXX XXXX that is not accurate. I believe that the balance is inflated, which is grossly affecting my debt-to-income ratio, and there are multiple inaccuracies in the payment history. This account was charged off, but the account balance has increased monthly since XXXX XXXX XXXX. 

I am requesting that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. This inaccurate information is negatively impacting my credit score and my ability to obtain credit and loans. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credence Resource Management, LLC (GA)

I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.
Consumer complaint received 2021-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (HI)

Text Message XXXX ( XXXX ) XXXX " Chase Online : Report XXXX ( XXXX XXXX ) ( XXXX ) Your Online Banking has been temporarily restricted. Please visit XXXX XXXX  XXXX to verify your account. 

I don't have a Chase account. I deleted this!!