davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Caliber Home Loans, Inc. (HI)

My true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted CALIBER HOME LOANS, INC., and spoke to XXXX, SUPERVISOR, TELLER ID. NO. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX on Tuesday, XXXX XXXX, 2016. XXXX promised XXXX that SHE will contact XXXX on Wednesday, XXXX XXXX, 2016. SHE never called. Shane on HER. When XXXX did contact CALIBER HOME LOANS, INC., to follow-up with XXXX, XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX, and XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX gave XXXX the run around and the worst part of it all is XXXX not only refused to have a SUPERVISOR come on the line when XXXX requested for it, but she put XXXX on hold for over 40 minutes, never coming back on the line once to check in with XXXX within that 40 minutes, and then XXXX had the audacity to hang up the phone after keeping FTLC holding for a SUPERVISOR for over 40 minutes.
Consumer complaint received 2016-12-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello, I 'm a customer of Bank of America and I have a complaint in with them already. I received a from XXXX XXXX. Her number is : XXXX XXXX. She instructed me that the inquired was pulled on XXXX XXXX, 2016 was legit and they would not be able to remove it. However, the inquire listed on the letter attached to this e-mail is not in question in question ... It seems that did not read or ignored the screen shot of the inquire in question as it attached the first complaint ; in addition, to this XXXX. 

They are avoiding that fact. It 's clear that FIA/CS pulled my credit report on XXXX/XXXX/2016. I have supplied that screenshots of the inquire pulled from XXXX on XXXX/XXXX/2016. I was instructed that they use XXXX to pull my credit as I knew they were some issues on XXXX getting corrected. 

Now, let me make this clear. I was using my " person credit profile '' for " Business Credit '' ; therefore, BOA pull my personal credit report to get credit for business name and they pulled it from XXXX I was mislead as ask a number of time this would be pulled from XXXX. 

I have attached the letter from Bank of America dated XXXX XXXX, 2016 in response to this dispute and they have responded with a TOTALLY DIFFERENT DATE OF THE INQUIRE IN QUESTION ... Please see attachments for all details. 
Here is the CFPB # XXXX is the first complaint.
Consumer complaint received 2022-08-05
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)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2017-03-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (ID)

I paid my US Bank Line of credit off XX/XX/2016 and the lien was never re-conveyed from my property. I am trying to refinance my home and this US Bank lien is causing a " BIG '' issue and delaying the closing.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

After I graduated from XXXX school in 2013 I was told to put my loans into forbearance because I was sick and unable to work. The problem with this option was that I was never told that the interest was accruing the whole time leaving me with a huge loan that I am now trying to pay off.
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (CA)

Theyve been selling my information, which is not their place. 
Theyve been able to furnish my score for me, also without my consent or permission. 

Theyve assumed the responsibility, and have failed to respect my privacy.
Consumer complaint received 2020-10-07
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. (MS)

I am writing this due to non-compliance with the XXXX XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

I am getting really frustrated. I have not checked my credit report in years. I went on to see I have XXXX medical collection accounts through American Adjustment Bureau. I have filed a complaint because I never received any kinds of statements from these companies saying I owe them money. I have NOT received anything from this debt collection agency. I have asked them for copies of the original bills so I can verify these are even my bills. I 've asked them to remove from my credit reports to give me a chance to verify. I 've asked them to send me these statements with dates and still have not received them. Instead they went in on my reports and updated the information to the current dates. I 'm very upset and think this is unfair to me. I 've contacted them again trying to get these documents. I 'm ready to go somewhere else where I can report them. I just had another company try to take advantage me for almost XXXX dollars and it turned out I did NOT owe this money. So I need these documents so I can verify the information.
Consumer complaint received 2021-10-31
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

I receive this mail the XX/XX/XXXX. where you told me that you had selected me to pay for compensation for the XXXX XXXX XXXX XXXX for fraud on other occasions. Then I received a call and invited me to cancel 2 payments of {$3000.00}. That is to pay {$6000.00} to make me supposely to me to compensate for Wester Union. The total sum of my compensation was {$100000.00}. Those who were never paid. The first payment that issued me had a tracking number XXXX which validates it and the transfer had been made, but it was never made effective.
Consumer complaint received 2016-12-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our mortgage was sold to XXXX different banks. XXXX of the was Bank of America. They sold it to XXXX XXXX XXXX. Now they want to foreclose on us without giving us an opportunity to solidify the debt therefore by allowing us to have an affordable payment plan according to our budget.
Consumer complaint received 2021-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (FL)

have BEEN REPEATEDLY trying to stop XXXX and their numerous collection agency from CONSTANTLY posting to my credit report and other various things for almost XXXX years now. The XXXX Internet account I am referencing was also filed here with a complaint due to XXXX and their collection agencies ( numerous ) CONTINUE to claim that this my account. My account ENDED in XXXX of 2018. I was on the phone with the representative and MY ADULT son was on the call. I was no longer living or using the service, in XX/XX/ 2018 we spoke to the rep about taking the account out or my name and closing MY account. My son wanted to keep the service, so they opened a account in HIS NAME. My account was PAID and CURRENT in order for XXXX to be able to do this. Once my account was closed out ( same day ) my son established the service WHICH I HAVE PROVEN TO CFPB and to XXXX MANY TIMES. My son account I PROVIDED the information for and showing that HE MADE ALL PAYMENTS AND STiILL is to this day. XXXX is being FRAUDULENT. They ARE PURPOSELY ignoring the information that I even provided to CFPB and TO THEMSELVES. 

I do not know what kind of game XXXX is playing. I am going to file a complaint for MALICE with the XXXX of FLORIDA for they BLATANT DISREGARD for the truth of the account paid and information on all payments to date even from my son. XXXX and their continued Fraudulent collection claims REPEATEDLY - IGNORING THE PAYMENT INFORMATION IN WRITING PROVIDING IS NEGATIVELY IMPACTING MY CREDIT for over 3 years. I have excellent history other then THIS FALSE NEGATIVE collection account. 

I am preparing a suit against XXXX for XXXX years of NEGATIVE IMPACT to an account THEY FOR A FACT KNOW WAS PAID/ They transferred and I CONTINUED to PROVE MULTIPLE times IS STILL IN MY SONS NAME even as of today and ALL PAYMENTS since XXXX 2018 HAVE BEEN MADE. This is now my XXXX time to try and resolve this matter and NOW XXXX NEEDS TO BE FULLY INVESTIGATED! 

I WILL BE SEEKING DAMAGES to the Fullest extent that the law will allow
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I have disputed the same accounts with Experian numerous times beginning in  XXXX  only for them to claim they verified the information as being correct. I 've asked them for the method of verification and received a letter dated  XXXX   XXXX ,  XXXX  that unless I provide them with " additional '' relevant information they would NOT  re  investigate my claims. They NEVER provided me with the method of verification but just arbitrarily dismissed my dispute.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (VA)

Reference Complaint Case XXXX. 
I now open a new complaint. 
The basis for the above case was false information, to wit, that I am deceased. This false information was sent by Experian via an intermediate to the XXXX XXXX XXXX XXXX which resulted in denial of a mortgage loan to me. 
The information furnished in the complaint included an Experian attachment which emphatically stated, by Experian, that I was deceased. 
The case was closed based upon information furnished from Consumer Financial Protection Bureau the false information " no longer appears '' on my credit report. This does not satisfy my request for identification of the source of the false information which Experian noted on my credit report. 
An important part of my complaint was for Experian to furnish me the identity of the source of the false information included in the report. To date Experian has not replied to my letter, part of which asked for the identification of the source of false information. 
Experian signed for my letter on XXXX XXXX 2016. It is now XXXX days, as of this date and no response from Experian has been received. The case referenced above includes pertinent documents relative to this complaint.
Consumer complaint received 2020-10-07
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. (NJ)

Greetings, My complaint goes to the Credit bureaus Transunion, XXXX  and XXXX   because since XX/XX/2020 I have sent letters requesting that they rectify their errors presented in my credit report, I have sent 4 different letters during the last 4 months and no I have received any response from the credit bureaus. I demand that an immediate response be given to me regarding the claims previously made to the institutions mentioned above. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus.
Consumer complaint received 2017-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NJ)

I have been paying back my student loan for 5 years now. I got a warning on my credit monitoring account that my student loan balanced increased by XXXX dollars this month. I then went through and looked at my payment history. My original amount borrowed was {$36000.00}. In five years I 've paid a total of {$31000.00}. The life of this loan is until XX/XX/XXXX ( another 26 years ) at this rate. I will be paying {$150000.00} on a loan that is {$36000.00} borrowed. Which is absolutely insane. I 've called multiple time and Navient refuses to even review my loan or provide any reasoning to why my loan is in it 's current situation.
Consumer complaint received 2017-01-12
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Vital Solutions, Inc. (IL)

i sent a certified letter to vital on XXXX XXXX and it was signed for on XXXX XXXX i requested validation ( a signed contract showing i have done business with, owe money to etc ). 30 days have passed and all i recieved was documents from another customer of theirs. vital has broken the law by not sending me what i requested in the 30 days required and broken the law by sending me another customers confidential info
Consumer complaint received 2021-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & TransUnion which is severely affecting my scores.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NY)

I am attempting to increase my credit line on a credit card from Citi. Citi representatives tell me that XXXX is telling them I have a security freeze. In order to get control of this, I actually placed a security freeze so that XXXX would mail me a PIN. I got the PIN, then paid Experian to remove the freeze ( {$5.00} ). Several hours later, I attempted to remove the freeze again, but XXXX told me no freeze was in place. ( See screenshot document, attached. ) On calling Citi again, they again told me there is a freeze in place. This time, however, they said the freeze is in place due to " state legislation ''. I can find no reference to any security freeze that would be in place due to any legislation. I have no outstanding debt or litigation against me. So apparently there is a security freeze on my report, which is NOT requested by me, and which I can not remove, due to some unknown legislation. Can you help?
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My BOA card ending in XXXX hastily without warning got closed. My credit card had a 0 % APR promo that I used and I 've been paying my minimum on-time for 5 months. Then all of a sudden BOA decided to close my account without warning no call or anything. 

This is unacceptable as a consumer. My letter from them stated only they have the right to close it. There was no exact reason in there. And no chances given. I am a Preferred Client of theres too and now looking for other options unless they reopen my account.
Consumer complaint received 2016-07-24
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (PA)

Equifax ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Equifax 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Equifax provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
XXXX
Consumer complaint received 2016-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SUNTRUST BANKS, INC. (NJ)

Sun Trust Bank is XXXX of the lenders for my student loans. There was a period of time in which I was unable to pay my loan and it became delinquent. This was due to the death of my youngest son, the XXXX of my oldest son with XXXX, followed my the death of my Dad.. Subsequently, I was contacted by a company representative to make minimal payments of $ XXXX {$10.00} per month, in order to return my account to good standing. Given the circumstances, I jumped at the opportunity. 

Once my account was returned to good standing, I applied for a student loan consolidation. As a result, I discovered that the balance for Sun Trust Bank had been increased by approximately & XXXX, which was significantly more than the original amount I borrowed to take courses at XXXX University. Although I did bring this to the attention of a FSA representative while requesting assistance with the loan consolidation process, I was informed that nothing could be done. 

It 's incorrigible that any financial institution would be allowed to take advantage of a person to this extent. My goal is to complete my degree and pay my student loans. However, it 's unethical to charge such an excessive amount of money in the name of providing assistance to someone that is experiencing an extreme financial and emotional hardship. 

Please advise what, if anything, can be done to resolve this issue. 

Thank you. 
XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I purchased a car through a pre-approval that was sent through my XXXX XXXX Credit card. I went to the dealership to present the pre-approval and was told I could then start to search for the car I wanted. I filled out some paperwork, picked my car. Easy Peasy. I recently checked my credit report and noticed that the care salesman san my credit about 6 times for several different companies despite me already having a pre-approval from XXXX XXXX financing. These inquires were unauthorized and I've been working diligently to have them removed. I was told that I needed to submit this report in order to start the process y XXXX representative _employer number ( XXXX ).
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (HI)

STATUTE OF LIMITATIONS The last payment we made to Wells Fargo was on XXXX/XXXX/XXXX. Payments/adjustments made to the account after this date were made by Wells Fargo. Hawaii has a six-year statute of limitations. It will expire on XXXX/XXXX/XXXX. This will bring to an end any possible and all legal/ foreclosure proceedings. 
Please confirm that the mortgage/ loan # XXXX has been withdrawn.
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MI)

On XXXX XXXX, 2016 my home was sold unlawfully at a Sheriff 's sale. The foreclosure sale was illegally authorized by Specialized Loan Servicing LLC ( " SLS '' ) before the loss mitigation process was completed. Employees of SLS have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, SLS assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to SLS to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, XXXX, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of SLS was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.
Consumer complaint received 2017-01-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Halsted Financial Services, LLC. (IL)

XXXX from Halstead Financial services gave my mother the last XXXX of my social security number did not confirm who he was speaking to accused her of being me and would not verify what the call was in regards to or where he was calling from he had absolutely no right giving out that information. My social security number has been endangered. Now I am worried that it is in the wrong hands my privacy has been breached.
Consumer complaint received 2021-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (DE)

Scam alert!! Debt Collection on credit report by SIMON 'S AGENCY, INC. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX in the amount of {$350.00} for medical care. My Medical insurance, XXXX XXXX, pays full coverage for all of my medical services. I have Explanation of Benefits showing all claims are paid in full. The Simons Agency fraudulently attached this medical debt. The origin is listed as XXXX " XXXX ''. This is a non-existent medical provider and spelled incorrectly. Please remove this fraudulent medical debt. I am a XXXX XXXX XXXX and this has lowered my credit score dramatically. Please help.