davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (PA)

In a recent response from Caliber for case XXXX ( under the assistance section ) it was stated that it was unclear as to why I contended that Caliber has failed to offer me foreclosure alternatives. Since XXXX 2013 Caliber has only asked me if I had the information for XXXX, they have not demonstrated that they want to help me keep my home. I asked for a cease and desist because Caliber representatives were so nasty and rude. Please listen to previous conversations between me and Caliber that began in XXXX 2013. Even with the cease and desist, I call frequently and have spoken with at least XXXX different SINGLE point of contacts. Each person has a different message. As recently as XXXX XXXX I was told that the sheriff sale was scheduled for XXXX XXXX by XXXX different single point of contacts. On the same day, I called Caliber 's attorney XXXX XXXX. XXXX told me that I was misinformed and asked who told me that the sale was still on for XXXX XXXX. XXXX told me that he had documentation that there was no lien against my home and that the case was in loss mitigation and would not be in a sale on XXXX XXXX. Also, on XXXX XXXX, the Caliber contact stated that either I pay XXXX or lose my home in a sheriff 's sale on XXXX XXXX that was my only option. Only Caliber 's attorney was helpful and forthcoming.
Consumer complaint received 2016-08-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

Wallet containing debit card and telephone was stolen from a hotel room while on vacation on XX/XX/2016. Theft was reported to the banking institution on XX/XX/2016. Banking institution initially refunded the charges, I provided all information requested to fraud department. Banking institution was informed my PIN number was not written down anywhere or contained in my IPhone. Banking institution then informed they were reversing all credited charges on XX/XX/2016.
Consumer complaint received 2016-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OR)

I have had nothing but frustration with XXXX but on XXXX XXXX, 2016 I attempted to use the online payment system to pay my mortgage. The system said my loan information could not be processed. I contacted XXXX this morning, XXXX XXXX, 2016 via telephone and was informed that as of XXXX XXXX, 2016 my loan has been transferred to Loan Care, LLC. I asked XXXX when and how they notified me of this. They had no record of when the letter was sent, they just claimed they would have sent a letter 30-45 days in advance. I have received absolutely nothing relating to this from either mortgage company. I was given a phone number for Loan Care, LLC but there is no way to speak with a representative to obtain my new account number. Again, absolutely no notice, and no information from EITHER company. I very carefully check my mail and have a locked mailbox. They have no record of the letter that was supposedly sent.
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Newman, Hesse & Associates, P. A. (KS)

I supposedly wrote a bad check at a grocery store for my guess is around 100 $ in the year 1999. The garnishment order states that XXXX grocery has a garnishment order against me represented by debt collectors Newman and Hesse in XXXX Ks in the amount of XXXX, XXXX $ I was never informed or given anything to contest this issue. I think the garnishment order is way outrageous and I was n't given notice of any sort.
Consumer complaint received 2024-02-26
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. (CA)

I would like to know why Equifax is reporting transaction history on my accounts, without my written permission or the permission of the Head of State, when that is illegal?

I would also like to know why Equifax is reporting any adverse items, including charge offs, when IRS publication 4681 states that all charge-offs are considered income and it is illegal to report income as well as transactions? 15 U.S. Code 1681c clearly states that the only adverse items that can be noted on a consumer report are convictions of crimes.

Why is Equifax knowingly and willingly committing identity theft by furnishing consumer reports without my, or the head of States, written permission and including transaction and history income on each one? 

Below are the laws supporting my claims : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I have never given Equifax written permission to furnish a report of any kind.

P.L 90-321 ( 82 Stat. 146 ) states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency. I have never received notice that such a request was made, allowing them to furnish ANY report for my person. 

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Equifax has ignored my right to opt-out of this reporting which is a violation of 12 CFR 1016.1. Every company owes me a privacy notice before they furnish any information to our consumer report, and yet I have NEVER received any such notice from Equifax. I have, however, sent them multiple notices of opt-out that they have intentionally ignored.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NY)

In accordance with the Fair Credit Reporting Act this creditors ( Upstart Network Inc, XXXX XXXX and XXXX XXXX  XXXX ) have violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 1581 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am demanding that these accounts be updated to Paid as Agreed and Never Late XXXX.
Consumer complaint received 2022-07-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (WA)

I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Complaint Regarding Incorrect Address and Name Spelling on Credit Report Dear : Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding inaccuracies present on my credit report, specifically pertaining to my address and name spelling. The information provided in my credit report is erroneous and does not accurately reflect my personal details. 

XXXX. Incorrect Address : The current address listed on my credit report is [ Incorrect Address XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ], which is not my residential address. This discrepancy could potentially lead to misunderstandings and complications in financial transactions. My correct residential address is [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX ], which I have provided consistently to financial institutions and credit agencies. 

XXXX. Name Spelling Error : Furthermore, my name is misspelled on the credit report. My correct name is [ XXXX XXXX XXXX ], but the report lists it as [ XXXX XXXX, XXXX XXXX, ]. This misspelling not only undermines the accuracy of the report but also creates confusion and may impact my creditworthiness. These inaccuracies are concerning as they could adversely affect my ability to access credit and financial services. I have taken the necessary steps to ensure that accurate information is provided to credit reporting agencies, yet these errors persist, reflecting a systemic issue that requires attention. I kindly request that the CFPB investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I would appreciate guidance on how to prevent similar issues from arising in the future. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WA)

To whom it may concern, I got membership forms and a debit card to reestisablish service with Wells Fargo Bank. Then last year my new credit union paid them for a personal line of credit loan on time, the bank assumed it was delinquent and its still on my credit report.. I went to the credit union to retrieve the statements, my financial expert and your agency without follow through.Last year I went to the credit union to get statements of payment history and all of my payments went out promptly, I called my financial person about this and he didn't seem interested or was busy and contacted your office without feedback.Thank you. Sincerely yours, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (GA)

I am seeking your help to resolve my problem with Seterus Inc before my home goes into foreclosure. 

In XX/XX/2018, I made my mortgage payment of {$1100.00}. Unfortunately, my account was {$11.00} short and my mortgage payment was returned to Seterus for insufficient funds. 

I have made deposits into our XXXX XXXX account, to cover my mortgage payment of {$1100.00}. Seterus Inc has been refusing my payment via online and insisting that I must go to a XXXX XXXX or mail my payment via money order. 

In order for me to accommodate this payment method, I would need to take a day off from work, or go into work late which will cause me a penalty on my job. 
When I inquired to Seterus Inc. why are they refusing my on-line payment, I was told that I had four returned payments for insufficient funds in the past year. This is absolutely untrue.

Seterus Inc. is forcing me to go into foreclosure, by refusing my payment. I am seeking your intervention before my home goes into foreclosure. I can not afford to take a day off from work every month to make my mortgage payment.

I am currently working seven days per week, not only to accommodate my needs but the needs of my family members who are living in XXXX, who depends on my check each month to buy their food. Nothing that I expect Seterus to understand, as they have no idea what it is like to be in need.

Please, I am asking you to stop Seterus Inc. from forcing our homes into foreclosure. They are tyrants who have no care for us, other than to abuse their power, leaving homeowners homeless. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (IA)

I had a checking account with XXXX XXXX XXXX XXXX prior to XXXX 2013. I overdrafted the account and was charged nearly XXXX $ in daily overdraft fees before the funds in my savings account were applied to cover the original amount overdrafted. The account went to collections with The Best Service Company with a balance of XXXX $ owed in XXXX 2013. I disputed the account and TBS co reported the account as closed to XXXX for meeting FCRA requirements for a dispute, but still lists the account open and in collections with XXXX. I reached out to TBS co and inquired when they would report to XXXX that the account was closed pursuant to my dispute. The agent advised me that she does not know why the account was closed with XXXX and repeatedly interrupted me to tell me I needed to pay the account. I advised her the account was disputed and closed and I would not make a payment until she could explain why it was closed with XXXX bureau but not the other. The agent advised me that she did not know and it was a mistake and that all she knew was that I had to pay the account. I again asked why the account was closed with XXXX bureau but not the other and she transferred me to a voicemail for someone else. I left my contact information and even called an hour later and was again dumped in a voicemail. I have never received a returned call from this company to explain their discrepancy in reporting to the credit bureaus. They refuse to explain why I need to pay this account that is closed, they refuse to accurately report to the bureaus, and they continue to aggressively attempt to collect this debt.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX the CRA reported a late payment on an auto loan for XX/XX/XXXX that was incorrect. I disputed the information and sent my proof to the CRAs. The late payment was then removed XX/XX/XXXX. On XX/XX/XXXX a new late payment was added for XX/XX/XXXX. This inaccurate data has been reported to the Attorney General and XXXX. this inaccurate data is also in violation of a number of FCRA Laws, metro 2 data compliance and consent of disclosure. If the information was correct and true under XXXX the data would not constantly change.
Consumer complaint received 2018-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (IN)

I hope that you can help me. 
I took out a 2nd mortgage in XXXX. Payments of {$250.00} per month. It has hardly budged from the original balance in 10 1/2 years!!! Loan was {$25000.00}. Today, it is {$25000.00}!!!! A friend of mine did the math and said that I have already paid over {$30000.00} on this!!! Several people have pointed out that this is predatory lending. The interest rate is 5.75 %. My friend said in several more years I will have paid them {$90000.00}!!!! Please help me. I have always had a good credit rating, and dont know what is going on here. I called them on it about XX/XX/XXXX and all the customer service rep, wanted to do was sell me another loan!! I asked to speak to a manager regarding predatory lending, and she kept saying refinance, refinance. I then spoke with someone else there, told him my problem as I did with her, and all they tried to do is get me to refi/buy another loan!!! I just lost my job, and happened to see that this 2nd mortgage never gets lower when I received this years tax statement!!! Please investigate this, I hope that you can help me. I gave already paid over {$30000.00} on it!!! XXXX XXXX
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (MA)

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, EQUIFAX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below. 

( Bankruptcy chapter XXXX-discharged Filed Date XX/XX/2012 XXXX )
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MD)

I wrote a check for {$220.00}, and Wells Fargo posted the check for {$2200.00} which overdrafted my account by {$1700.00} and left me with bills to pay and just a few XXXX in my bank account. They told me there was no recourse I could take and that it would be XXXX days before I can get my money back, even though this was by no fault of my own. I am now left to live on {$150.00} for however long it takes them to fix this error.
Consumer complaint received 2024-02-26
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.