davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Someone filed for some items in my name, so I called all Experian to inform them on what took place. Customer service would not help me, and take care of the negative inquiries reporting on my credit report! Ive also contacted the companies but I was informed that I would have to contact Experian.
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XX/XX/2021 I was pre-approved a loan from HSBC Bank - communicated by a Direct Mortgage Consultant called XXXX XXXX. 

On XX/XX/2021, I sent an email to XXXX XXXX stating that I have purchased a property and provided him with a link to the Compass listing of the property which states that the property is an apartment in XXXX XXXX XXXX, a Condotel. 

On XX/XX/2021, XXXX XXXX asks me to send him the closing statement among other documents. On the same day, I sent him all the documents which state that the apartment is in a Condotel. 

From XX/XX/2021 to XX/XX/2021, XXXX sent me several emails and made calls asking me to sign documents and close the initial evaluation process. 

On XX/XX/2021 XXXX asked me to pay {$870.00} for the loan processing which I did immediately. 

On XX/XX/2021 XXXX informed me that the loan can not be processed because the apartment is in a condotel. 

On XX/XX/2021 XXXX and XXXX, I pleaded with XXXX that he did not once mention that the apartment is not eligible for a loan and this information was hidden from me that a condotel can not get a refinancing from HSBC. 

On XX/XX/2021, I again informed XXXX that he should not have asked me to pay {$870.00} for loan processing, knowing very well that the purchased apartment was in a Condotel. I brought to his attention that he was sent the closing documents and warranty deed back on XX/XX/2021 but not once did he mention that this was ineligible for the loan. 

I am only asking that due to the negligence on the part of XXXX XXXX, my loan processing fee of {$870.00} be returned. 

I have spent several hours sending XXXX the documents he needs, while all along he knew that the loan would not be processed. 

I am being penalized due to no fault of mine.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (IL)

I sought a lower APR since my payments are on time, set to auto pay to make sure I'm on time and monthly. 
My APR went from 14 % to over 17 % and I wanted to know why, and asked if it could be lowered... 
This is how that conversation went, just minutes ago : " Discover XXXX XXXX XXXX, thanks for reaching out to us today! My name is XXXX and I'm located in the Illinois location. How can I assist you today? 
XXXX Just wondering about my APR that was 14 %, now 17 % I'm on auto pay, so unsure why it would increase? 
And is there any way to bring it down? 
15 minutes agoXXXX XXXX  picture Discover Please allow me one moment to review your account and I will be right with you. 
XXXX Thank you. 
XXXX minutes agoXXXX XXXX picture Discover At this time I don't see any options to lower your Apr. 
XXXX why? Payments are on time. 
I will gladly contact the Federal Trades Commission again if need be. When someone is paying on time, you reward them by increasing their APR? 
XXXX minutes ago New Messages XXXX XXXX  XXXX XXXX Discover I can truly understand your frustration. I'll apply the feed back. 
Discover XXXX. We calculate variable rates based on the Prime Rate ; we use the highest U.S. Prime Rate listed in the online The Wall Street Journal ( XXXX ) on the last business day of the month If you have a variable APR, it will vary with the market based on the Prime Rate. That may explain the increase. AT this time is there anything else I could possibly assist you with? 
XXXX no '' As you can see, there is no interest in lowering a person 's APR ... Why when they don't have to?! This is HIGHWAY ROBBERY and our government needs to CRACK down on this! All of them, not just Discover XXXX. If a person is able to pay off their debt, they will be able to provide more to the economy. 
I'm not asking for a 0 APR, I'm asking for a lower APR that I may actually see light at the end of the tunnel! My current APR rate is 17.24 %. Again, I'm not seeking 0... I understand it is how they make their money. I am seeking a lesser percentage as I'm a long-standing customer with on time monthly payments. 
My current minimum payment due is {$310.00}, with a monthly interest rate charge of {$200.00}. 

Thank you.
Consumer complaint received 2021-11-18
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: Experian Information Solutions Inc. (PA)

The Company furnishing the information is XXXX XXXX XXXX to Experian, I have Disputed the validity of information on my file however, Experian claims that the information is coming back verified, when I look at all my credit report XXXX, XXXX, XXXX and Experian all of them have very different information so how is it that they are saying that this is verified. Reporting as followed : XXXX : Charge off amount {$0.00} No Late Payment Date Closed XX/XX/XXXX Date Charge-off XX/XX/XXXX Last Payment XX/XX/XXXX XXXX : No Late Payment Date Closed XX/XX/XXXX Date Charge-Off NO DATE Last Payment XX/XX/XXXX XXXX : No Late Payment Date Closed XX/XX/XXXX No Charge-Off Last Payment XX/XX/XXXX Experian Late Payment 180 Days XXXX Charge-off XX/XX/XXXX Date Closed XX/XX/XXXX Late Payment XX/XX/XXXX How can this be verified by Experian as accurate when all the CRA have different reporting, Also, how is it possible that in XXXX was 180 days late but charged-off years later on XX/XX/XXXX. I have contacted XXXX XXXX and they are claiming that they are no longer reporting this account but Experian keeps saying ints verified with XXXX. Would like this account removed from my credit file for inaccuracy as all CRA 's are reporting inaccurate.
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (ND)

Dear Santander Consumer USA Incompetent Legal Team : Im just going to keep this short because I think the long complaints dont get the job done. You stated I am not qualified for the settlement due to my state not being on the list of eligible states. 

My car was purchased and voluntary repossessed in the state of Georgia. The address associated with my car is XXXX XXXX XXXX, XXXX, GEORGIA. 

I have also contacted the Georgia Attorney Generals office and was informed that Santander should be mailing out notices to Georgia residents ( over 20,000 notices ) by the end of XX/XX/2020 Per your website : What states are included in the settlement? You may qualify for relief if you were a resident of or purchased a vehicle in one of the following states when you got your Santander auto loan : o Arizona, Arkansas, California, Connecticut, the District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, I WAS A RESIDENT OF GEORGIA AND PURCHASED A VEHICLE IN GEORGIA. THE VEHICLE WAS SURRENDERED IN GEORGIA. 

Again, please stop insulting my intelligence. Again, the offer of a pay to delete stands but the account has to be deleted from my credit reports.
Consumer complaint received 2021-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have submitted several disputes with Experian with no resolution. 
The other 2 credit bureaus XXXX and XXXX updated my balance with the creditor promptly after I submitted the proof that my account balance was incorrect. 
I opened my dispute with Experian in XX/XX/2021, XX/XX/2021 and again in XX/XX/2021. My dispute is to update that my accounts were paid in full and the balance should be listed as {$0.00}. 

Experian kept updating the account balance with outdated incorrect account balance information and kept updating/resetting my dispute resolution date whenever I updated my dispute with additional documentation provide by the creditors to help resolve the dispute. 
I continued to get the run around and continued delays in answering phones and they kept sending me back to the creditors to update my credit report. 
My creditors also kept saying Experian has been provided with updates that my balances were {$0.00}, but my credit report has never been updated to {$0.00} balance. 

As a consumer, it is unfair that Im caught in the middle of the poor communication and being passed back and forth between the creditors and this credit bureau which has negatively impacted my life. 

My creditors in dispute were XXXX and XXXX. 
I advised Experian that their delay in updating my credit report with valid information was delaying my approval for a mortgage and negatively impact my life and the lives of my family. 
I am still waiting for these creditors to update my balance with Experian, I would like to add again, that XXXX and XXXX are showing {$0.00} balances with both of these creditors which is accurate.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Of the three major credit reporting agencies, only Experian charges $ XXXX/month in order for consumers to lock and unlock their credit file. 

When logging in to their site, consumers are first presented with paid upgrades which you must opt out of, each time you log in. 
When you manage to click through several screens and get to your account page, they warn you that your credit file is unlocked and you're more vulnerable to fraud and ID theft. 
Which you must pay for. 

Given their demonstrated inability to protect the voluminous amounts of private consumer information from which they profit, rewarding them with a monthly premium, in order to add additional protection to your personal information, is unacceptable. 

Freezing your credit file with them is free, but unfreezing has been very problematic and time consuming, XXXX. 

XXXX unfreezing a frozen credit file, their system doesn't recognize the ID pin they issue at the time of the freeze. 

Further, the public information they've used to verify my identity ( used to unfreeze a credit file without a PIN ) can be inaccurate or out of date. 
It's extremely difficult, if not impossible, to contact a human at their company for further action, based on my prior experience. 

In no case should they be allowed to mandate that consumers compensate them with a monthly subscription fee, for their lack of ability to safeguard our personal information, in order to lock and unlock a credit file.
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (OH)

I have had a loan with Santander consumer USA and the purchase price on vehicle was XXXX I have paid on this vehicle over 6 years and still owe XXXX dollars my payment are XXXX I have pod over XXXX and am unable to pay off with interest occurring i believe this is a predatory loan I have had this loan since XX/XX/XXXX
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UMB FINANCIAL CORPORATION (MO)

i inherited a bank account from XXXX XXXX XXXX XXXX or XXXX XXXX it is and after i inherited a detective went up to the bank with forged documentation and changed the name and information on the account to XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX and i been having problems because some one took forged documentation up there again and made it appear that they had full XXXX XXXX XXXX over me and they dont and im having prtoblems out this world and its got me losing everything
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

I just received the attached credit report today and both the JPMCB Home Lending " accounts '' should have been closed. The foreclosure sale was ILLEGAL based on falsified/forged documents as far back as XX/XX/XXXX. Neither of these accounts technically exist and this " Chase '' ( JPMCB Home Lending ) alias company, is trying to wear me down to admit that they do exist when there is NO Mortgage and NO promissory Note that is original. It was proven on XX/XX/XXXX when my document expert evaluated the FAKE documents. There should be NO derogatory accounts listed on Any of my credit reports. The attached XXXX credit report shows this wrongfully reported. I will attach the document experts affidavit showing that the Mortgage And Promissory Note being used to ILLEGALLY foreclose on my home are false/forged do not exist and the foreclosure is ILLEGAL. This bank can not legally foreclose NOR collect with false/forged documents!!
Consumer complaint received 2018-03-20
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. (CA)

XXXX XXXX reported in XX/XX/2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -
Consumer complaint received 2020-02-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

In XX/XX/2019, a loan was taken out for {$1000.00}. I became homeless and jobless. I was struggling to pay back my loan since the bi-weekly payments were so high, and I had little income and no safe place to sleep, and struggling to keep myself alive. In XX/XX/2019 I contacted CashNetUSA because the e-mail O received said that they could reduce my owed debt down to the original loan amount- {$1000.00}. The representative said that if I was able to make a payment that day, that they would reduce it. They have not reduced it, as promised they would, and now have sold my account to a debt collector with the incorrect debt amount.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp. (OH)

I received an unsolicited letter via email from TrueAccord acct : XXXX stating that I owe a debt. This account has already been disputed as not valid with the original creditor. Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to in equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data provider and your continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX Acct : # XXXX, XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct XXXX # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct : # XXXX, XXXX XXXX Acct : # XXXX, XXXX OF XXXX Acct : # XXXX, XXXX XXXX XXXX Acct : # XXXX. Personal information : Incorrect name and address XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

U.S.C.1681A states I have the right to privacy.

U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

* The reporting of a 30 day late payment in XX/XX/2019. 
* Payment was time stamped as verified by Caliber agent on XX/XX/2019. 
* Calibers 's payment system automatically " posted '' the payment for XX/XX/2019. 
* This posting ( not payment ) caused as thirty day late.
Consumer complaint received 2020-02-19
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: CITIBANK, N.A. (WI)

Citi Mastercard : XX/XX/XXXX : I was scammed into purchasing and sending {$400.00} & {$600.00} to someone I thought was an associate of the state society I am a chair on. When I called the credit card company the first time they took my information and said it would be looked into. 
2 weeks later I called again. This time the person took more details : the police report number, the police man 's name, etc ... and told me that it generally took 30 days to get back to the customer after the investigation. Both of the people who answered the phone were very difficult to understand. The 3rd time I called, Sunday, XX/XX/XXXX was after I received a letter in the mail saying the dispute was closed and it was my responsibility. 
When I called this time after many transfers I spoke with a supervisor located in Florida. She said that as soon as I said the word " Scam '' they did not have to investigate anything. There policy is not to tell the customer that, but send a letter. The 2nd person I spoke to took all the details about my police report for no reason as they investigated nothing. She asked if I wanted the number of another supervisor to call, but if I wanted to dispute their policy I would need to right a letter, I could no longer call. The representatives of this company Citibank , N.A . gave untruthful information to me their customer and were not straightforward or honest with me.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PLS GROUP, INC (CA)

A payday loan was given to a ex-contractor based on a voided check the contractor provided to the pay day lender, PLS Check Cashers. When they discovered the loan was given on a voided check they sent a collections letter to us. We immediately sent a dispute letter via certified mail and was received by them. However they continue to attempt to collect the debt via phone calls and letters. They have verified the receipt of the dispute letter ( XXXX XXXX verified this on XX/XX/2020 at XXXX XXXX P.S.T. ) but have not responded to it and continue to illegally continue collections efforts.
Consumer complaint received 2020-02-19
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. (IL)

I have sent in identity theft disputes multiple times in which the bureas have failed to response let alone follow the guidelines outline in FCRA 605 ( B ) that states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. In which they have not complied with I also sent these documents certified so I have proof of receipt. For Example USPS tracking number XXXX. Confirmed ation of receipt was on XX/XX/2020