davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am attaching proof of my certified and notarized letter sent to CHEXSYSTEMS informing them of my rights and the federal laws they are violating. A notarized letter is a legal document and I intend to take further legal action if my issue is not resolved. 
I also attached a copy of the law so there is no confusion to the Consumer Reporting Agency of the laws they are violating. As a consumer, CHEXSYSTEMS may only furnish a report with my written consent. I did not give permission to CHEXSYSTEMS and no consent is IDENTITY THEFT. 

Under 15 U.S 1681b- Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Meaning, the account I referenced in my notarized letter must be deleted immediately as they are currently violating my federally protected rights as a consumer. 

I have repeatedly tried to resolve this issue and have contacted CHEXSYSTEMS to have this account removed, however they have continued to violate my rights as a consumer, inflict XXXX XXXX ; while ruining my reputation, and character. If this account is not deleted I will send CHEXSYSTEMS an invoice of their violations and expect to receive monetary compensation as well.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

The problem is Regional Acceptance is reporting my debt as a charge off. However, I have been remitting payments to XXXX XXXX XXXX ( XXXX  ). XXXX is the debt collection agency for Regional Acceptance. Regional Acceptance refuse to reclassify my debt as paid as agreed.
Consumer complaint received 2020-08-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (IL)

Appraisal Transfer Refusal. I have been refused a refinance application and the company involved will not forward the appraisal documents for my home to my new lender XXXX XXXX XXXX. This request has been ongoing since XX/XX/2020. The appraisal was paid for by myself. 

It appears there is 1 individual working for 2 mortgage companies. I applied to Caliber Home Loans after they offered better terms than XXXX XXXX. 

The person who ended up servicing my application : XXXX XXXX 's ( XXXX ) XXXX Direct Line Email Addresses : XXXX XXXX I ended up receiving a refusal from XXXX XXXX  although I did not follow through with my application as well as from Caliber Home Loans. Mr. XXXX started using his XXXX XXXX  email 3/4 into the process. 

My new lender is unable to move forward until the appraisal has been received by XXXX XXXX. We are 2 months into requests and XXXX are not receiving any reply although I signed a document giving my permission to give the appraisal to my new lender. I obviously do not want to pay for another appraisal.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

DiTech is my loan servicer. I have been over the 15 day grace period and charged a late fee. When paying the full payment plus the late fee after the 15day grace period they provide zero options to pay the late fee or put notes for the overage to be applied to the late fee. They keep putting the overage on the escrow or principle balance instead of the applying to the late fee. They claim the process is to call in and have them re-apply to late fee after the payment is made on line. Even after calling them to verbally have the overage re-applied to the late fee they do not provide any confirmation number and they still don't re-apply the overage. This has happened on several occasions. If a mortgage company is to take online payments I find it concerning they do not offer the ability to pay a late fee, and when calling them, it is still not re-applied.
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Springer Collections Inc. (MN)

In XX/XX/XXXX XXXX with Springer Collections of XXXX XXXX, MN left a message on my home number looking for a XXXX XXXX regarding an old medical debt ( from XXXX ) for a low-income medical clinic in XXXX XXXX. My mother 's name is XXXX XXXX, and I did some investigating with the clinic as to the nature of the debt. As suspected, the clinic was looking for a different XXXX XXXX. The birthdates were way off, the social security number was wrong, and we determined that my mother had never been to that clinic. She lives some 40 miles away and is in memory care, not capable of getting to the clinoic. I spoke at length with XXXX after my investigation and she informed me that XXXX would no longer be contacting me. Further, the clinic was supposed to notify Springer that they were pursuing the wrong XXXX XXXX. 

Yesterday, on XXXX XXXX at XXXX XXXX, I received another message on my home answering machine from XXXX with XXXX Collections. She repeated her first message from XXXX, asking for XXXX XXXX regarding a medical debt. She did not give any indication in her message that she remembered she was calling the wrong party again.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC (GA)

I am a victim of identity theft and I have been disputing information without knowing my true rights as a consumer. Per the FTC as a victim of identity theft the furnisher must delete and I have supplied the letter Notice to Furnishers. 

Per the Notice of Furnishers Information they must comply because of the inaccurate information.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Dept of Ed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXX XXXX  Please See Attached Ftc Report!!
Consumer complaint received 2020-08-21
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX penfed credit union added {$5300.00} to my auto loan for " premium insurance '' I've uploaded my insurance proof to the provider they told me too and they keep telling me they have not received it but I have the confirmation that it was uploaded and they will not remove the XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract. 
2. XXXX {$540.00} ive never done business with this company were answered into a signed contract. 
3. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$160.00} ive never done business with this company or entered to assign contract. 
4.XXXX {$1200.00} Ive never done business with this company or entered into a signed contract. 
5. XXXX {$1700.00} Ive never done business with this company or entered into a signed contract. 

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX The following inquiries are fraudulent 1.XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX Please See Attached FTC Report
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (FL)

Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. 

Spire Recovery Solutions has left me a voicemail on XX/XX/2020 without stating who they were, their company name, and what their purpose was.
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (IL)

A collection account for a XXXX XXXX appeared on my credit from a Harvard collection agency XXXX XXXX XXXX XXXX XXXX il XXXX this is not me I have had 2 names my whole life XXXX XXXX XXXX name and XXXX XXXX married name they are creating a whole new identity on my social spoke to a XXXX XXXX very rude man
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (NC)

Received a letter from McCarthy, Burgess and Wolfe advising that they have been retained for debt collection. However the debt was not validated to confirm the debt was owed by me. This company is in complete violation of the FCRA.
Consumer complaint received 2021-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I can not go into my credit report. tried calling and nothing. there is disputes that i have no idea about since then I have been locked out of my own credit report for months already
Consumer complaint received 2020-10-28
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: CL Holdings LLC (MD)

Upon looking over my credit report I noticed an account I do not recognize from Jefferson Capital LLC. I asked for verification of this account via certified mail on XX/XX/2020. I never received a response and this company continues to report an inaccurate account on my credit report. They are not following Metro2 reporting compliance.
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

On XX/XX/XXXX XXXX XXXX XXXX, XXXX., the attorney representing the lender, emailed our attorney, XXXX XXXX XXXX, XXXX. and stated : " Good morning, Per our client, below are the items still missing to complete the package : 1. Please provide updated 4506T/EZ provided is expired.

2. Please Provide Sign and Dated Profit and loss Statement. 
3. Last 2 months business bank statements '' On XX/XX/XXXX we provided the specific information to XXXX XXXX and her client as requested via email and by court filing in our foreclosure case, XXXX XXXX   XXXX in XXXX County, Florida. We have heard no response from lender. At the time the documents were furnished to complete the Loss Mitigation Package, it was more than 45 days before a foreclosure sale which has been set for XX/XX/XXXX. Pursuant to the protections of 10 CFR 1024.41, the  lender is required to determine completeness, communicate with borrower, and review it for loss mitigation options. No communications have been received. It appears that the lender is willfully in violation of the law in refusing to respond to our loss mitigation package.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I opened a new business checking account with Chase Bank on XX/XX/2018. 
I supplied all the information that the bank requested at time of opening. 
Since the account was for an LLC, i presented the following ; 1. ] Articles of Organization 2. ] Federal E.I.N. number 3. ] Nevada Secretary of State registration documents 4. ] Trust documents showing that the LLC is owned by a trust The account was opened and an initial deposit of {$1000.00} was made. 
Was notified about a week later that the bank wanted a copy of a rent receipt for the LLC. 
This despite the fact that I informed them at opening the LLC was merely a holding company for various securities [ stocks and bonds ]. 
Since the bank had opened XXXX business checking accounts for me for the same LLC over the past XXXX years, I feel that the bank mislead me!
Consumer complaint received 2021-05-26
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

On XX/XX/2020 and XXXX 2020 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (IL)

Discover card company added a so called " payment protection fee '' into my account since 2006 without any types of permission from me. I was charged this kind of fees since then which I just found it until recently, I never checked my monthly statement in the past 12 years until XXXX weeks ago .... 

I assume that any service or products offered by credit card company can only be added into/charged into clients ' account with confirmation from customer.
Consumer complaint received 2019-08-16
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 (FL)

I received a due date extension change from Capital One Auto Finance on XX/XX/XXXX changing my due date from XX/XX/XXXX to XX/XX/XXXX. I received a due date letter from captial one auto on XX/XX/XXXX, I made I made a payment on XX/XX/XXXX. Which was for XXXX and due to the due date extension and change I was not due again until XX/XX/XXXX not the XXXX. I received a statement on XX/XX/XXXX stating that my due date is XX/XX/XXXX. on XX/XX/XXXX Capital One Auto Finance receive a paid in full payment for over XXXX paying the account in full however Capital One is reporting to the credit bureaus that my status is 30 to 60 days past due on this paid account. I have sent in all the proof and information that my due date was changed to XX/XX/XXXX and no longer XX/XX/XXXX and if my account was paid in full on XX/XX/XXXX that is not 30 days past due. I sent all documents proving my due date was change to capital one auto finance and it has yet to be corrected. Due to this error by Capital One Financial I was not able to close on my home and it lowered my score 38 points and being that I have proof that I wasn't 30 days late because of the payment due date change I need this could be corrected ASAP or I will seek a lawyer for further information and defamation of character
Consumer complaint received 2021-01-26
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. (FL)

I got my free credit reports from the XXXX XXXX XXXX website and after looking through everything, I still see a ton of major errors. Ive disputed these errors myself since XX/XX/XXXX in last year and the credit bureaus failed to delete this wrong information. I sent disputes myself directly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and attached proof of my ID and proof of my address. Theyve had ample time and Its unacceptable that even after these reporting companies supposedly did an investigation of these inaccurate and fraudulent accounts, these blatant errors are still sitting on my reports and affecting my ability to purchase a home. Something has to be done and that is why Im filing a complaint. Ive never received any correspondence or proof of verification from the bureaus. I can only see the notes under these inaccurate and inconsistent accounts on my free credit reports The addresses reporting with all 3 credit bureaus are inaccurate. Its really scary to me that theres all this information like addresses that arent mine on my credit reports and the bureaus refuse to delete it. There are multiple inaccurate collection accounts and activity being reported that I know nothing about with company names I know nothing about. ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or even XXXX  XXXX XXXX that reports an undesignated owner ). This is extremely frustrating and I dont see how the bureaus can claim to have investigated these errors but cant provide any verification or proof of how/where theyre getting this information from and they arent deleting this fraudulent and false information.
Consumer complaint received 2021-07-16
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (WA)

The company is calling me daily since XX/XX/XXXX. I was able to get my phone company to get all the numbers, dates and times that they have contacted me. Sometimes they are even calling more then once a day. I have asked a representative to quit calling me and to have the communication by mail only and they have ignored my request. It's to the point I may have to just change my number to get them to quit calling me. I've also requested for the debt information as I was told that it was paid off in XXXX.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OK)

Last Wednesday XX/XX/2019 I started receiving calls on my cell phone (# XXXX) from a company  named Navient (they are apparently debt collector for student loans). I blocked the number immediately after the second call received Friday  XX/XX/XXXX. During this last call I told then that they have the wrong number (in fact I got this number only a few months ago) and to quit calling me. Obviously they did not. This morning XX/XX/2019, they called me for maybe the 10th time, at XXXX XXXX. After a few minutes (at XXXX XXXX) I called them back and told them to quit calling and harassing me, because:
1) It's not my debt
2) I never had student loans. By the way I am XXXX and moved to the US at the age of XXXX, took some classes in college for FREE because my ex wife was a teacher at that college, but I did not tell them this detail
I was pretty upset and told them TO NEVER EVER CALL ME AGAIN, or I would file a complaint with the FTC and the Police for harassment. The person on the phone assured me that my phone was removed from their list. Guess what? They called again at XXXX XXXX Now it's about XXXX XXXX (Central time) and I guess they are going to call again. I am also ready to file lawsuit in state court asking for XXXX for EACH call after the one I have received at XXXX XXXX today, as statutory damages
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Company violated its covid 19 arrangement. Multiple reps and supervisors advised account minimums were reset to XXXX  due for two consecutive billing cycles. 

XXXX and XX/XX/2020 were not late at all and the account was paid off completely XXXX XX/XX/2020 important to note Ive been a customer for 8+ years never once have I been 30 days late