davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
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. (MO)

I have sent 3 letters and countless phone calls about this issue. There are multiple inaccuracies with the Chapter XXXX that's reporting on my credit report. Last year I was told the information was verified and two months ago I sent a letter and wanted to know who verified it. I have yet to get a response. I called Missouri federal courts on XX/XX/18 and spoke with a clerk by the name of XXXX who stated typically those written complaints come to his office and he has no record of any validation request for me. I also pointed out that not only was my date of birth incorrect but two accounts showing in bankruptcy where never included in the bankruptcy yet reflecting on my credit report. So a year later I still have the same questions ... Where are the documents that you used to verify this Chapter XXXX bankruptcy? What is the name of the person in your company who verified this Chapter XXXX bankruptcy? What documents did they use to verify it? 
Please provide me with the name of that individual, their business address, and telephone number. Otherwise please remove this inaccuracy from my report.
Consumer complaint received 2021-08-03
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: WELLS FARGO & COMPANY (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MO)

I opened this account in XX/XX/XXXX. I closed this account due to the constant fees that it has and the small balance. 
I called in XXXX to close this account and have the fees credited back to me. I was assured that by paying the {$140.00} This would take care of the balance that the account is closed and they they would let the credit companies know that the derogatory credit will be corrected. 
I received a statement saying that I now owe XXXX due on XXXX XXXX, XXXX! 
I once again called to explain that this has been closed and if they go back and listen to the call that all of this was taken care of and that I don't owe this money, and that they need to also correct my trade lines. XXXX ( the manager ) told me that he will get back with me after he listens to the call MAYBE by XX/XX/XXXX. 
I would appreciate attention to this, I have worked hard to keep my credit scores up and this has sunk me. It doesn't seem like they plan to do anything about this.
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I received a notice in XX/XX/XXXX that my mortgage payment would increase by {$610.00} per month beginning XX/XX/XXXX. 
The reason was an escrow shortage. They said my escrow account is short {$4200.00} and that following repayment of the shortage, my mortgage payment would be {$1400.00}. This is an increase of {$260.00} per month. 

I sent the mortgage company ( Caliber Home Loans ) a certified letter requesting specific historical information on beginning and ending balances since the inception of the loan in XX/XX/XXXX, tax and insurance bills received and disbursements made. The notice I received only shows the previous year. I received a refund of excess escrow in {$1200.00} in XX/XX/XXXX. My mortgage payment has been adjusted multiple times since the loan originated. Consequently, I have no confidence that the accounting is correct. So, I requested full documentation of all escrow activity. 

My understanding of my rights is that a reque3st for information must be handled within 5 business day. The mortgage company received my letter on XX/XX/XXXX. I have not received any response to date.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (DE)

In reviewing my transactions on XX/XX/2021 with a representative at XXXX, ADP card services, it was brought to my attention that there were many unauthorized charges in the amount of {$1100.00} on my account with a company called XXXX. I explained to the rep that the charges were fraudulent and I have never had a XXXX account or used their services and would like to dispute the transactions. A dispute investigation was opened and the compromised account was closed and I was issued a new debit card. On XX/XX/2021 I was asked to sign and submit a Statement of Fraud form which I did and emailed it to the Dispute Department on XX/XX/2021. On XX/XX/2021, I received correspondence from XXXX, ADP indicating the investigation was completed and it was determined that the charges were legitimate and I would not be able to recover any of the money stolen from my account and the investigation was closed. I immediately called to discuss this decision as I was extremally upset by this. The rep I spoke with on XX/XX/2021 told me that based on what they determined I must have had an account with the merchant to make these charges. I explained over and over again that I do not nor have I ever had an account with XXXX. The rep stated that I could send a written request to receive the investigation materials and or provide proof from XXXX that I am not in their system as a customer. I was provided a telephone number that does not work to speak with someone at XXXX is nearly impossible in order to provide this proof to XXXX. I just want to recover my money. I placed another call to XXXX  on XX/XX/2021 with my mother to gather more information on how it was decided to close the investigation. If I'm having a hard time contacting XXXX  about these charges, who did they speak with to decide it was me that made all these charges and closed the investigation without really investigating I was passed around to numerous departments with no one really providing any assistance and finally after two hours of this, I was disconnected and no one bothered to call me back. Why ask for a call back number if you are disconnected and then when you are disconnected no one calls you back. I now have to call back and get back in the que and wait 40 plus minuets for another rep to start this process all over again. I feel as though XXXX  has handled my situation completely unprofessional and non caring which is unacceptable as a customer who had his hard earned money placed into this company hands and this company has no regard or protection to help me recover what belongs to me which I worked hard to have and not be stolen from me. Not one rep could answer if my funds were FDIC insured.
Consumer complaint received 2022-01-05
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: LOBEL FINANCIAL CORPORATION (TX)

On XXXX the XXXX 2021 a company called XXXX XXXX XXXX ( XXXX ) and another company called Lobel Financial ( XXXX ) acquired my credit report WITHOUT my permission. I did not apply for any loan from them. I tried to call them but received no help.
Consumer complaint received 2020-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I was charged for over {$7000.00} for services. I have contacted the collection company and they are saying it went through insurance. The insurance company when contacted says they do not have the claim. Neither have correct documentation or prices. This is unfair and deceptive information.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MH)

# 1 Bank Name XXXX sold out but have title to home, And rolled over to a new Bank name Of Green Tree # 2 Bank name Change out to new name to Ditech I have pay very High interests Rate 8.99 % maybe to much
Consumer complaint received 2021-08-03
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. (CT)

Since XX/XX/2020 Equifax has been violating my consumer rights by incorrectly reporting someone elses address and accounts onto my account. I have sent numerous proofs of identification and address verification to this company. They have not only ignored me but kept me on the phone for hours telling me these addresses and accounts are mine. I investigated with their data furnisher and the creditors and they do NOT have information related to me or any account opened with them. This has all led to much strife in my family life and has prevented me from applying for unemployment benefits, being approved for business credit, and purchasing a vehicle. This company acts in an abusive manner to the consumer. This is not a frivolous complaint. This information needs to come off my report now. The following address and attached accounts NEVER belonged to me.I have submitted my proof of identification and address along with utility bills multiple times and they continue to report and ignore me. Remove the following addresses and accounts that are not mine stop violating my consumer rights! These companies get no consequences for there actions willfully violating Federal law protecting the consumer. I will be taking this to court as they have not responded to my demands.
Consumer complaint received 2017-03-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Assistance Corporation dba Revenue Group (OH)

I sent a request for validation by certified mail to debt collector and a request to limit communication only to writing and the collector has not responded to both of my requests and continues to call spouse 's phone to collect. I still have no validation of the alleged debt and collectors are still pursuing failing to comply with the FDCPA section 809 law.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (AR)

Pursuant to 15 USC 1681 ( a ) ( 4 ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681a ( e ) Equifax is in violation of 15 USC 1681 Fair Credit Reporting Act which are federally protected consumer rights.

Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that Accuracy and fairness of credit reporting. The Congress makes the following findings there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with the fairness, impartiality, and respect for the consumers right to privacy. I the consumer have a right to privacy which means Equifax has violated this by reporting these inaccurate accounts on my consumer report.

Equifax has violated 15 USC 1681b ( a ) ( 2 ) which states that ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. 

Equifax has violated 15 USC 1681a ( e ) which states that The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer. I the consumer would like to state that Equifax has not personally interview neighbors, friends, associates or any else who knows about my character, general reputation or personal characteristic or mode of living. I also want to notify Equifax that there is personal information from the creditor on my consumer report which is also a violation. 

I have enclose the documents for these violations.
Consumer complaint received 2021-08-03
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2016-08-07
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I was an authorized user on my mother 's Kohl 's card. I was told by my loan officer that I needed to be taken off in order to get a home loan. On XXXX my mother, the cardholder, called customer service. She spoke to XXXX, and he told her I would be taken off and a letter would be mailed. We never received a letter. So on XXXX we called customer service again and talked to XXXX in XXXX. She reported that I was still on the card as an authorized user and that she would take me off that day. She reported that Kohl 's has a " no emailing '' policy. So she could not send me an email confirming this. She said I would get a letter in 30 days confirming this. This is 2016. I highly doubt there is a no emailing policy. All my loan officer needs is one email from Kohl 's saying I have been taken off. The XXXX housing market is hot. I am incurring money damages with each day I am unable to finalize my loan. I am losing my chance to get a home loan because of a kohl 's card that is n't even mine. I believe there may be an unfair business practice underlying their constant refusal to take me off as an authorized user. They have not reported my status to the credit bureau even though I have asked them twice now. This is having a significant impact on my life.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

I HAVE A JET BLUE CREDIT CARD ISSUED BY BARCLAYS BANK. AROUND XXXX OF XXXX, MY CARD WAS USED FRAUDULENTLY FOR NEARLY XXXX XXXX DOLLARS. I CONTACTED THE BANK/CARD ISSUER, FILED A CLAIM FOR FRAUDULENT TRANSACTION. I WAS TOLD THAT THEY WILL CONTACT ME BY MAIL OR PHONE CALL IF FURTHER INFORMATION IS NEEDED. ABOUT A MONTH PASSED, AND WHEN I CONTACTED THE BANK, THEY TOLD ME THAT THEY HAD SENT ME PAPERS TO SIGN AND SEND BACK, AND I HAVE NOT, SO THE CLAIM IS CANCELLED AND I AM RESPONSIBLE FOR THE PURCHASE AMOUNT. I HAVE BEEN PAYING THE BANK FOR THE PURCHASES I HAVE NOT MADE, AND I KEEP ON ASKING FOR A PROOF THAT THEY HAVE SENT ME THE LETTER THAT I NEEDED TO RESPOND, HOWEVER, THEY ARE NOT PROVIDING THE PROOF THAT THEY SENT, AND THEY ARE NOT PROCEEDING WITH THE CLAIM, AS THEY HAVE CANCELLED THE CLAIM ALREADY. FIRST, CLAIMING THEY HAVE SENT THE LETTER THAT NEEDED TO BE SIGNED BY ME, THEN SAYING THE CLAIM IS CANCELLED AND I AM FULLY RESPONSIBLE FOR THE PURCHASES WHICH I DID NOT MADE, IS ABSURD. INSTEAD OF INVESTIGATING WHERE THE PURCHASES WERE MADE, REQUESTING SIGNATURES OR VIDEO RECORDINGS FROM THE MERCHANTS THAT THE CARD WAS USED, I AM TOLD THAT SIMPLY BECAUSE THEY SENT ME A LETTER ( WHICH THEY DID NOT ) AND I DID NOT RESPOND TO THAT LETTER. I ASKED THEM TO RESEND THE DOCUMENT OR EMAIL IT SO I CAN SIGN AND SEND BACK, THEY REFUSE TO COOPERATE. 

BARCLAYS BANK IS THE BANK JET BLUE IS THE CREDIT CARD. 

STAY AWAY FROM THEM. I AM ALSO SEEKING GOVERNMENT 'S ASSISTANCE FOR HELPING ME RESOLVE THIS ISSUE AS IT IS NOT ACCEPTABLE IN ANY WAY TO BE HELD RESPONSIBLE FOR NEARLY {$23000.00} FRAUDULENT PURCHASE WITH MY CARD. I WOULD NOT BE PAYING THEM ANY XXXX HAD IT NOT EFFECTED MY CREDIT HISTORY. THAT IS THE LEVERAGE THEY HAVE THAT THEY KNOW I WOULD HAVE TO PAY BECAUSE IT WOULD MESS UP MY CREDIT HISTORY.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

From the Equifax website I understand that my personal data was breached. I felt the best protection available to me is to freeze my credit reports. Today, XXXX XXXX XXXX I called Equifax at XXXX and entered my personal information. At the end of the process a message informed me that they were unable to freeze my report at this time and to refer me to their internet sight XXXX. Once again I entered my personal data. At the very end I was told that they could not process my request at this time. 

I feel that my financial situation is vulnerable and that Equifax, who created the situation in the first place, is not doing their part to help those affected.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma (VA)

Hello, I submitted a previous complaint about Credit Karma because they were not responding to my emails requesting the closure of my account. Now I have another issue - I am still receiving emails from them about declined card transactions. I asked them back on XX/XX/XXXX when I will receive an update from a specialist about my issue and they did not respond. It is pathetic that I have to keep coming to this website to file a complaint about Credit Karma to take some action. 

Please stop the emails from coming to my email address XXXX. I told your member support team that XXXX will not allow me to remove the card ending in XXXX from my account. These emails are considered spam at this point and I am not able to unsubscribe from these alerts. If I get one more " Your account needs your eyeballs, XXXX '' email, I am going to scream.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

I was in a modification paying interest only for 10 years, I signed this modification not realizing it was interested only, just trying not to lose my home back in XXXX. The modification ended in XXXX, and the mortgage payments went from {$810.00} to {$1500.00} monthly which I have been struggling to pay since XX/XX/XXXX. I lose my job in XX/XX/XXXX because of COVID-19. I was receiving Social Security XXXX which was stopped because I made over the amount I should have in XXXX. So temporarily only received unemployment which has also stopped in Texas. Now I receive Social security XXXX. 

I have spoken to my mortgage company 21st Mortgage, to see what help was available to me, I received a modification of 2 months ' payments placed at the end of my contract in the first half of XXXX. That's all they offered me. I am currently behind for XXXX and XXXX of XXXX. 21st mortgage offers no help. I can't get refinanced because my credit score is only XXXX which was also affected by my current financial struggles. 

Do I have any options available to help me? Thank you.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (PA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-08-02
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: ATG Credit, LLC (MI)

ON XX/XX/2021 I sent ATG Credit LLC a letter because I received a notification from the 3 bureau 's stating that this debt collector added to my credit profile as a collections account. My letter included me asking the company to verify and validate that I owe this debt. I do not owe this debt. I do not have a contract for this debt yet, it was sold to this company. I also called ATG Multiple times to verify that they received my letter which they did because I sent it priority mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Someone from their office received my letter and processed it in their system according to the representative that I spoke to. The Rep also explained that the manager would call me back with more information, it never happened. I called multiple times, the company transfers me and gives me the run around. Today is XX/XX/2021, I have yet to receive a response from ATG by mail, phone, etc. By law, debt collectors have 30 days to investigate a dispute, it has been well over the 30 days for this dispute. I would like this removed from my credit report immediately. This company is committing fraud and has several complaints with the XXXX.