davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (NY)

XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Closed Closed Monthly Payment : {$110.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3000.00} {$1000.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Experian XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2016-07-20
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)

This will be the fifth complaint against CALIBER HOME LOANS, INC., that has been submitted with CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The other XXXX CFPB complaints that have already been submitted to CFPB in the last twenty ( 20 ) days are XXXX, XXXX, XXXX, and XXXX. These XXXX ( XXXX ) prior complaints against CALIBER HOME LOANS, INC., has been and continues to be about the same subject matter. 
XXXX XXXX XXXX passed away on or about XXXX XXXX, XXXX. There was a BARGAIN & SALE DEED filed and recorded with the XXXX XXXX RECORDS & LICENSES OFFICE as XXXX or XXXX, which the rights of survivorship went to XXXX XXXX XXXX by operation of law because of the BARGAIN AND SALE DEED. XXXX XXXX XXXX got married since then and now goes by XXXX XXXX XXXX XXXX XXXX. 
CALIBER HOME LOANS, INC. then decides to mail a " Notice of Servicing Transfer '' dated XXXX XXXX, XXXX. Immediately after that XXXX XXXX XXXX XXXX XXXX faxes CALIBER HOME LOANS, INC., a " General Power of Attorney '' that instructs clearly to CALIBER HOME LOANS, INC., where to send any and all correspondences, XXXX mail, XXXX, regarding this matter to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. An " Affidavit of Survivorship '' that includes a Certified Copy of XXXX XXXX XXXX 'S DEATH CERTIFICATE as Exhibit " A '' was also faxed and sent to CALIBER HOME LOANS , INC . 
CALIBER HOME LOANS, INC., sent an acknowledgment letters about making the proper adjustments and changes dated XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 
After informing and warning CALIBER HOME LOANS, INC., about FAIR DEBT COLLECTION PRACTICES ACT violations by THEM continuing to harass and XXXX the people who are at XXXX XXXX XXXX XXXX, XXXX, Washington, XXXX mailing address, CALIBER HOME LOANS, INC. mails a " Mortgage Statement '' dated XXXX XXXX, XXXX, after being properly informed and notified on numerous occasions to mail and ship everything only to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX!!! 
CALIBER HOME LOANS, INC., has also been warned on numerous occasions that the property is not under XXXX XXXX XXXX, nor has it ever transferred to THE ESTATE OF XXXX XXXX XXXX because of the " Rights of Survivorship '' that XXXX XXXX XXXX XXXX received automatically by operation of law, with the evidence of the BARGAIN AND SALE DEED, XXXX XXXX XXXX 'S DEATH CERTIFICATE, and the AFFIDAVIT OF SURVIVORSHIP. ''
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc. (WA)

After reviewing my credit report I saw that I owe Renton Collections for a dental bill that had went into collections. The amount stated is {$280.00}. I called Friday XXXX XXXX asking if they would do a settlement on what I owe. I was told no that I owe {$280.00} and I could either pay that full amount or make two payments of {$140.00}. I said okay I will talk with my husband and see what I can pay and call back. Three business days later I called back to go ahead and just pay the full amount of {$280.00}. I was then told by the guy, XXXX XXXX, that I owe {$420.00}. To my surprise, I said what?, I just called friday and was told that I owe {$280.00} and that I can pay it in full or make two payments of {$140.00} and that they do n't do settlements. I said yes I got that but why did it go from {$280.00} to {$420.00} in three days? He says interest. I then said okay I need to figure something out then. I called back an hour later and asked to speak to a supervisor. Her name was XXXX XXXX, I explained to her my XXXX conversations with the previous agents and she then tells me I owe {$480.00}. I 'm trying to ask about how it went from {$280.00} to {$420.00} and then to {$480.00} all in three business days and she says I must have my numbers wrong and kept bringing up the fact they do n't do settlements. I kept stating, I know that, I want to know why the balance has changed so much. She did not want to answer my direct question why the difference. I got so frustrated I just hung up. It 's upsetting that they treat customers who are trying to pay off a debt now that they 're able to.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

We have a mortgage with Ocwen Loan Servicing. We have been attempting to get a loan modification with them for more then 2 months now. We have sent them all the paperwork they require but everytime they call us they say something is missing. Then when we send them what they ask for they say something else is missing even though we ask them when we call if there is anything else required and they say no. The customer service reps have repeatedly lied to us saying things like we have not received this documentation so then when we email it they then say oh yeah we did get that but something is missing from it even though it is exactly what they requested.
Consumer complaint received 2016-12-08
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (MN)

I purchased XXXX giftcards together valuing approximately {$1500.00} from Giftcards.com of XXXX. When I attempted to activate the cards, I was unable to do so and directed to contact customer service. I called and was told that they were unable to help me and would escalate it to their " second level department. '' They said it would take XXXX business days to receive a response. That was on XX/XX/XXXX. On XX/XX/XXXX, I still had not received a response and am still out {$1500.00} which I badly need. So, I called again. This time, I was told that they could offer me no information or help and that it could take an additional XXXX hours to receive a response. So, I waited a third business day. On XX/XX/XXXX, after receiving no contact, I called again. I spoke with a XXXX, then a supervisor, then a XXXX. All three told me that they could offer me no information or help and said that it would take another XXXX business days to receive a response. It is XX/XX/XXXX, and I have received no contact from XXXX. I need this resolved immediately. XXXX has wrongfully frozen my account for no explainable reason resulting in personal losses of time, frustration, and expenses.
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have several items on my Transunion and XXXX report the were previously deleted and have since be added to my report again along with inquiries. I am aware that Transunion had a glitch in their system that violated the rights of their consumers under Secion XXXX. As a result my credit score is suffering and I have been gravely effected. No notice was ever given that these previously deleted items or inquiries were being placed on my credit report again and I am requesting that ALL previously deleted inquiries and previously deleted creditors be removed.
Consumer complaint received 2015-05-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I have a mortgage with Ocwen. There is to be an ACH draft at the beginning of the month, generally around the XXXX through the XXXX, as I get paid on the XXXX. This month, no ACH draft. I telephoned and reached XXXX or XXXX through outsourcing and was told that XXXX mortgages were affected, in that an ACH draft can not occur. This is the XXXX time this has happened with Ocwen, the first time in a similar complaint I filed in XXXX of 2014. I am told I may have to pay over the phone every month.
Consumer complaint received 2015-06-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (IL)

I receive phone calls at least XXXX times a day, everyday, while I am at work, for a collection agency for a debt that is not mine from phone number XXXX. The phone calls are automated and I have tried multiple times to remove my phone number from contact, again, from an automated system XXXX. I have tried contacting a live representative at XXXX, but I am always put on hold and then the call is dropped, everytime.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have received a few credit card applications in my XXXX year old 's name XX/XX/XXXX, what do I do? My purse was stolen from my vehicle XXXX including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I have disputed XXXX a collection item on my credit called, XXXX XXXX XXXX with Equifax. However, Equifax results of the investigation were that the collection item belonged to me. On XX/XX/2015, I disputed the collection item pursuant to 15 USC1681i ( 6 ) ( b ) and 1681i ( 7 ). However, two days later Equifax came back and stated the item belongs to me. Equifax failed to provide me with the request information pursuant to 15 USC1681i ( 6 ) ( b ) and 1681i ( 7 ).
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (WA)

There was a huge rush at the end to prepare my documents and the HUD statement kept going back and forth because the Caliber Team XXXX XXXX XXXX XXXX could n't get it right. They finally said they got it right and I thought I had just had the most wonderful experience ever. 

I found several months later that they dropped for the final HUD the XXXX HOA fees that were part of the estimates and part of the first several HUD statements as we moved towards loan closure. In the back and forth Caliber obviously dropped the HOA fees, but when I started calling to find out why they HOA was past due and not paid the troubles started. 

Caliber Customer Service told me I had to call their own company and figure this out. They refused to. After that enraged me at such poor and troubling customer service, a manager finally said I will do this out of the goodness of my own heart. No that is n't a good message to deliver to a customer. So I tried calling the mortgage broker and left messages until I got XXXX team. Only to be told they did n't do anything wrong but they would look at this to see what they could do to help me! 

Again not the right type of message to give a customer. XXXX only made matters worse when she did return my call she went directly to : We provided everything in the HUD statement and you signed it. Not anything like we might have made a mistake, let 's find out. The arrogance and lack of humility has been in every statement from XXXX since. Calm down XXXX and do n't get upset ; you signed the HUD statement and if you did n't catch it then it was n't wrong. Not one word in her text or emails have been ; let 's see what might have happened. I have all of the original HUD Statements showing the fees covered, so what am I to think but Caliber made a mistake. To add the arrogance of not even indicating let us help to find if XXXX was made or not ; No Caliber is n't the type of company you want to work with.
Consumer complaint received 2016-04-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I traded in my toyota Rav4 on XXXX/XXXX/2016 on XXXX/XXXX/2016 tmcc finance company received the check for the payoff from the dealer where I traded my suv. they have the check and continue to collect on a debt I do n't owe. they made a mistake on their end and continue to penalize me, add fees and have marked my credit report as 30 days past due.
Consumer complaint received 2017-02-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

I cashed a check from a friend against my business account. About 1 month after I get a notice that the check had been returned and charged back the amount plus a fee. I contacted my friend and she got with XXXX XXXX XXXX and they supplied her with the documentation proving they had infact cleared the check. I have been going back and forth between my bank, Chase and her bank, XXXX XXXX XXXX and I am getting the run around and I am fed up!! I spent 4 hours on a XXXX way call on XXXX XXXX with XXXX XXXX XXXX and Chase and the lady from Chase basically said it looked like it was a mistake on Chase 's part. To this day I have yet to get my {$230.00} from anyone nor can I get an answer!!
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I have sent Capital One several requests for validation and investigation regarding XXXX accounts listed on my credit report. I first reported them as fraud but Capital One said they had limited information. I 'm not sure how else to say it 's not me!!!. I asked for validation and investigation including my original signature and they keep sending letters that say they need more information. The letter Capitol one sends only has the last XXXX numbers in an account showing- the accounts listed on my credit report do n't show the last XXXX numbers. There is no way to match them. I sent 3 request to the credit reporting bureaus and they can not validate the accounts either, Capital one needs to delete me from their system they have had more than 3 months and multiple requests to provide complete and accurate information and they have not done it.
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I called capital one concerning a payment that I would be late on. I was told that everything would be fine and not to worry about anything. I made the payment seven days later and according to the conversation I had with the representative online, the fee was waived and my minim payment would not change. I checked online once the new billing cycle was out and I noticed my minimum payment has risen from XXXX to XXXX for XXXX card and XXXX to XXXX for the other. I contacted the online chat and was told to call into Capital One. I called in and was told that there was no record of this conversation and someone laughed in my face. I was continuously told that I was late and delinquent. I explained that although the payment was late, i paid the required amount and I was told the late fee was waived and my minimum payment would not change. I also spoke to management who stated again how late I was. I paid the required and i understood what makes my minimum payment and it did not equal to XXXX or XXXX. I would like to pay my required minimum payment and nothing more.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XX/XX/XXXX I purchased merchandise from Furniture Row in XXXX Colorado. At that time I was told that I would not receive my merchandise until XX/XX/XXXX. I then got the couches delivered XX/XX/XXXX. I then get a bill in the mail in XX/XX/XXXX stating that the payment was due on the XX/XX/XXXX, and I noticed that they were hitting me for late charges as well as a past due amount. I called XXXX and tried to figure out what was going on. They told me that I was 60 days past due!! I asked them why I never received a bill, and they told me that I was set up for paperless ( I did not agree, nor did I ever set this up ). They then told me that they sent out emails to let me know. I asked them what email they had on file and it was a email address for my ex wife. They then fixed the email address, and took off the late charges. I paid the amount owed for the bill, and was told that I could dispute the hits on my credit. when I called them to do so, they told me that there was nothing they could do for me, and told me that because I never paid on time they would not take the hits off my credit. I was never notified of a bill until XX/XX/XXXX, and this was after I received the merchandise. They had me set up for paperless, without me knowing, and were sending to an email that I never even had. This has dropped my credit score XXXX points in 30 days and I need help getting this off my credit. If the process was done the right way I would have had no problem paying in XX/XX/XXXX, as well as XX/XX/XXXX even though I did not have my couches. This process was dropped by XXXX as well as Furniture Row, and now I am the victim of false reporting, and billing practices. PLEASE HELP!
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX / XXXX / TRANS UNION ALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORTING FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. ALL ACCOUNTS REPORTED ON XXXX / XXXX / TRANS UNION SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.
Consumer complaint received 2015-08-10
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I was scammed by a company recruiter into sending someone {$800.00}. I was given a counterfeit cashier 's check to put into my bank which I did. After sending a vendor for that company {$800.00} for work equipment fees, the counterfeit cashier 's check bounced and as a result I 'm not at a loss of {$800.00}. I contacted MoneyGram, the money transfer service utilized in the transaction to see what they can tell me about the receiver but they stated they would not help me and did not give me a concrete reason as to why they would n't help me. That is why I am complaining about them here. I do not know if they are in conjunction with the scammers or what the situation is but their unwillingness to help their customer ( me ) is shocking and completely unfair.
Consumer complaint received 2016-12-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (IA)

I opened a loan with CNAC AKA JD BYRIDER in XXXX IA XXXX XXXX, 2012. On multiple occasions CNAC charged a card that I did not authorize to be saved and without my consent. I filed a complaint with the card issuer and the funds were reversed. However my former wife and I then became divorced. As we were going thru separation they began to call her and probe into our personal matters. Between the fraud and over extension of their rights, and empty threats I decided to take the loss and allow them to repossess the car. Now years later I have cleaned up my credit tremendously. However, CNAC continues to report untruthful information to the credit report agencies regarding the length of the loan, the balance due, and the overall terms. Every time I ask for a copy of the contract they tell me that they do not have to provide it because they believe my dispute is " frivolous ''. I simply want a copy of my original contract so that I can 1. Properly dispute the account. 2. Possibly begin legal action.
Consumer complaint received 2016-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Account " XXXX XXXX '' is not my account and I have no knowledge of this account. I have requested from the credit bureau on several occasions to provide me with their method of investigation and provide me proof that this is my account. All the credit bureau do is send me a letter stating " verified '' without any proof that the account belongs to me.