davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I attempted to lift a security freeze on my account with the 10 digit pin I was given. It didn't work. I called Equifax to have this resolved. 

XX/XX/XXXX XXXX Call 1 -Was told that my security freeze was lifted and I needed to change account information ( My Maiden name to my married name ) by faxing a driver 's license. I faxed DL to them at XXXX. 

Credit Check was not successful. 

XXXX Call 2 - I was told that my account was not frozen by I needed to give them 48 hours to receive the documents and that it would be 30 days before my credit check would go through. I didn't have 30 days to wait. Was told that a supervisor could change it on Thursday if I asked. 

Thursday XX/XX/XXXX XXXX Call 3 - They can not tell me where my documents are but I needed to send my social security card or XXXX and driver 's license. This directly against what I was told originally. 

Friday XX/XX/XXXX Fax XXXX and DL together XXXX Call 4 - They say they will get my information by Monday and they account will be updated by a supervisor. 

Monday XX/XX/XXXX XXXX Call 5 - They can not find my documents and do not know where they are. They will not call the department they were faxed to. They may have been shredded because they came out of the fax machine " too dark to read. '' I am told to change my information with XXXX XXXX XXXX and have them report to Equifax or to try faxing the documents and waiting 48 hours again. 

I was given incomplete information on how to change my name on my account twice. 
I was then promised that if I faxed the appropriate documents to Equifax then they would fix it. They can not find my personal documents even though they have been sent twice. I get a different explanation and answer from each employee I call. No one seems to know what I can do. They have delayed on their promises to fix my account
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

On XX/XX/2022, I reported on my credit monitoring app that my Chrysler Capital Account increased by {$300.00}. 

On XX/XX/XXXX I called Chrysler Capital and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said Chrysler Capital and I reassured her that it did. 
I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually XXXX. 
Since XX/XX/XXXX, I have not heard back from Chrysler Capital or any subsidies on this matter. I called Chrysler Capital back. I was transferred to platinum by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. 
The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. 
I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to XXXX XXXX XXXXXXXX because nothing is due. 
I was able to make the payment on XX/XX/XXXX and this lending note never was ever XXXX days behind. 
Upon discussion with XXXX at platinum on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX  did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. 
I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. 
Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. 
Yet it was reported to the Credit Reporting Bureaus that my balance increased by {$300.00}. This did lower my score with the credit bureaus also.
Consumer complaint received 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.
Consumer complaint received 2015-10-04
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

The are calling me from different numbers, texting me, and emailing for a a payment on my car. Threating to repo my car pull my contract, just harassing me, and it starts before my payment is due and the worst part they report to the credit bureau and they have not reported me late one time so im not understanding why all the harassment.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loans sent me the attached letter dated XX/XX/XXXX proving that they violated the FDCPA by sending out signed Notices of Trustee Sales and posting them on my property without any individual taking responsibility for trespassing on my property. It is clear evidence that a company called XXXX XXXX allegedly signed a CERIFICATE OF POSTING without a real human being signing it violating the FDCPA. Also, in their extensive letter Caliber fails to address how I had a balance of {$920.00} plus {$1100.00} and paid them {$4900.00} in taxes, as shown on my XXXX XXXX IRS Form if as they alleged in the Chapter XXXX BK I filed I did make the payments as agreed during XXXX? Also they violated Federal BK Laws by not applying my post petition payments correctly and charging my at least {$410.00} in late charges and other fees of {$350.00}. I would like an Accounting done on all regular payments made during my BK in XXXX asap.
Consumer complaint received 2016-03-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (LA)

My father XXXX in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fee, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees including the years that they wrongfully foreclosed on the property.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX I disputed inaccurate and incomplete information regarding XXXX XXXX XXXX XXXX XXXXXXXX with XXXX, noting that multiple paid months say No Data '' as well as inconsistent information being reported regarding the date of last payment and alleged delinquency. See attached dispute letter, credit report, and bank statements for XX/XX/XXXX, and XX/XX/XXXX, which are months where payments have not been reported to XXXX. 

I also disputed incomplete information regarding my SchoolsFirst FCU XXXX loan account with XXXX, because there are 11 months on the XXXX report that are inaccurate and incomplete regarding my Auto Loan payment history. See attached dispute letter, credit report, and bank statements for the incomplete months. 

After disputing with these credit reporting agencies, SchoolsFirst claims on correspondence dated XX/XX/XXXX that the information is accurate and there is nothing to update. See attached.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX, I purchased a playset from Lowes.com. I was told when I called their customer service line that I could arrange the playset to be put together by our Local Lowe 's store. This turned out not to be true, no local store had anyone who could put playsets together. 
I called Lowe 's credit card service on XX/XX/XXXX and told them I wanted to cancel the order due to no one being able to put it together. I was told it would be cancelled but to call XXXX as well as it may already be on the way. I did call XXXX and was told the item would not be delivered.

The charge has remained on my Lowe 's card since XXXX, I have made several calls, talked to multiple customer service representatives, the charge has been in their " investigation '' section since XXXX. I have been told multiple times the charge would be removed " in 30 to 60 days '' Yet as of today, XX/XX/XXXX, it remains on my Lowe 's charge card, the supervisor I called today XXXX, again told me to give it another 30 to 60 days to resolve. 
I do not believe Lowe 's has any intention on investigating this charge or refunding me for a product I never received.
Consumer complaint received 2018-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

My payment is due on the XXXX of every month to Nissan Finance. On XXXX, XX/XX/XXXX, their system told me that I owed not the {$450.00} monthly payment, but twice that - {$900.00}. They claim that because the XXXX was a Sunday and because they do not process on the weekends and because I had not paid by the preceding Friday, their system told me that the current payment - due XX/XX/XXXX - was late and then included the payment for NEXT month and so it claimed I owed {$900.00}. Again, this was on XX/XX/XXXX for a {$450.00} payment due XX/XX/XXXX and it was doubling what I owed to {$900.00}. So in the " Amount Due '' they were including a payment not due until XX/XX/XXXX. None of this is hard and I actually have a 10 day grace period on each payment, so they should not be acting like my next payment - due in 30 days - is part of the amount I currently owe. In fact, I believe it may be illegal.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

I am writing this notice for my dispute that was not settled with my refund. The company is NetSpend, a prepaid debit card. 

All of the transactions occurred on the same day, XX/XX/2020. The transactions started on XX/XX/2020 and posted on my account at XXXX. The next 15 transactions all taking place in XXXX Washington, are the transactions I am disputing. The amount taken from my accounts exceeds {$1400.00}. 

I live in and have not left XXXX XXXX XXXX CA, in over a month. I have my debit card with me and was not lost at the time of these transactions. I tried to make a purchase on XX/XX/2020 at XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX at XXXX and that transaction was declined. That is when I noticed all of these transactions made in XXXX Washington and all of my money taken from my account. At that time I still had my debit card with me. No one else has access to my account and I have only the one debit card attached to that account. 

I have also filed a police report with the XXXX XXXX XXXX Police Department. The report number is XXXX. If you have any questions about the report, the XXXX who took it said you can call them at XXXX XXXX XXXX XXXX. 

Thank you and if you have any further questions feel free to email me back
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OR)

Nissan Motor Acceptance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-06-18
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. (MN)

Experian deleted and removed the following account from my Experian credit report over 1 year ago for the account being a fraudulent account : XXXX  XXXX # : XXXX, balance # : {$2000.00}, Experian has put and listed the fraudulent account back on my credit report. The account is not my XXXX account. Im frustrated and tired of Experian putting fraudulent accounts on my Experian credit report after sending Experian the Federal Trade Commission Identity Theft Report and steady informing Experian Im a victim of identity theft, but Experian continues to put and list fraudulent accounts on my Experian credit report. Something has to be done about this recurring issue and problem. The U.S. government has to investigate these credit bureaus and take over the credit bureau industry because Experian, XXXX and XXXX XXXX continues to violate the Fair Credit Reporting Act ( FCRA ) and do whatever they want to do without following federal law and violating federal laws, by continuing to do the same thing putting fraudulent accounts and credit inquiries on peoples credit reports, even after receiving notification from people that, that person is a victim of identity theft, the account is fraudulent and unauthorized, and not that persons account. Experian continues to put fraudulent accounts they previously remove from my Experian credit report back on to my Experian credit report like the above XXXX XXXX account. Its very frustrating because it hurts and drops your FICO credit score instantly.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00}
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

on XX/XX/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. 
Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I bought the counterfeit handbag from the XXXX and store refused to take it back. I paid {$1000.00} for the bag on XX/XX/17. Master Credit card Ihg chase didn't provide eligible paperwork from the XXXX to me, despite I asked it for many times. I was not able to reply to the merchant as I was not able to read what they are saying. The credit card closed the dispute and told me that I can reopen it with additional information. I paid {$89.00} for the authentication letter from XXXX XXXX which is specializing in authentication of the high priced handbags. The document is supporting previous opinions I received that the bag is not made from the crocodile skin as advertised. The credit card opened a new dispute for {$1000.00} and denied it because it was not in dispute time frames. It is not clear why the amount is different. In addition, credit card accepted the merchant 's friend opinion from XXXX. XXXX came with the conclusion that it is crocodile skin only because he never saw counterfeit handbags from XXXX. The statement has no ground if he didnt see fake handbag before it does not mean that it doesnt exist, and should not be used as proof in the dispute. Master Credit card Ihg chase supporting illegal store activities.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (MO)

On my credit report it says my current address is an address Ive never moved too at all, but my old address is where I am currently, Ive never had a place in my name since 2016 but on my credit report it has me at this address that I never moved into or even authorized and this is fraud someone is using my information to move to places without my consent and want them to be sued for this asap.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

I am requesting that Caliber validates this debt by providing a copy of the written instrument, endorsed, front and back, not a copy of an Assignment that was never ( as of today, XXXX XXXX, 2016 ) recorded in land records. This is my THIRD request to Caliber to validate this debt.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am requesting the immediate removal of the unauthorized inquiry on my credit report. These do not belong to me. If these are to remain you must provide me proof that these are Factual.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (NC)

Caliber services my present loan. They reached out to me to refinance. I went through the whole process including paying for an appraisal. They gave me a loan committment promising the terms of a refinance. They initially set a date but never sent the loan documents. They promised a new date to be set and that is when all communication stopped. Repeated attempts have been made by myself and my attorney to communicate with Caliber and they continue to ignore both of us. The process began XX/XX/2016 and my loan processor changed several time. Communication ceased XX/XX/XXXX.
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. (LA)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.