davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-04
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: CITIBANK, N.A. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CITI CARDS/CITIBANK XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Subject : Dispute Regarding Unauthorized Inquiry on my credit report. 

To whom it may concern, I am writing to dispute an unauthorized credit inquiry from CITI CARDS/CITIBANK that is appearing on my credit report dated XX/XX/XXXX. This inquiry was not authorized by me and constitutes a violation of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

The FCRA strictly limits credit inquiries to instances where there is a permissible purpose, such as my consent or a legitimate business transaction. As I have no account with CITI CARDS/CITIBANK and did not provide authorization for this inquiry, I am requesting its immediate removal from my credit report with all relevant consumer reporting agencies.

Additionally, I am seeking the statutory damages of {$1000.00} for this violation, as allowed under the FCRA. If CITI CARDS/CITIBANK is willing to resolve this matter amicably, I am open to signing a mutual agreement to settle, provided your client does not admit to any wrongdoing in the process. 

To prevent further harm to my credit standing, I ask for the following actions to be taken within 30 days of receiving this letter : 1. Immediate removal of the unauthorized inquiry from all credit reporting agencies.

2. Issuance of the {$1000.00} statutory damages to resolve this matter.

If this matter is not resolved promptly, I am prepared to pursue litigation. Please be advised that should this matter proceed to court, I will seek actual damages in addition to statutory damages.

Furthermore, litigation will incur the following costs : Itemized Litigation Costs Court filing fees : {$400.00} Attorney 's fees : {$7500.00} ( based on a rate of $ XXXX for XXXX hours ) Discovery expenses : {$2000.00} ( including document production and depositions ) Expert witness fees : {$2000.00} ( if necessary for case support ) Travel expenses : {$500.00} ( if required for court appearances ) Additional court costs : {$1000.00} Estimated Total Litigation Costs : {$13000.00} This estimate does not include potential compensatory damages for harm to my credit or punitive damages, which may be awarded by the court.

It is in both parties ' best interest to resolve this matter amicably and avoid unnecessary costs and time.

Please respond to this letter promptly to discuss how we can resolve this matter. Failure to do so may also lead me to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 
I look forward to your swift resolution of this issue. You can contact me by mail at the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I need help paying my car loan for several months before I find a new job. My family is in financial crisis. This car shouldn't be worth that much, but because I need a vehicle to get around, I bought it regardless. I accept to pay the seller for XXXX in XXXX but this car is XXXX. While my friend bought it for XXXX last years.
Consumer complaint received 2022-12-28
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 XXXX XXXXXXXX
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

Ocwen had our mortgage and then it went to PHH. Everything was fine at PHH until my bill jumped by XXXX  $ + a month 2 months ago. Checking shows that my escrow went from XXXX $ to over XXXX  $ so i inquired as to why. They said that my property taxes jumped to over XXXX  $ a half year. I spoke to the escrow agents they agreed that my taxes had gone up that much. So i went to my local treasury office and got print outs. My taxes had increased from XXXX $ to XXXX $ a year, not XXXX  XXXX Not only that but payments had not been made from the mortgage company to the treasury office for over a year. The bill there is currently XXXX $ and if it isn't paid this half my house will be open to tax sale. I contacted PHH and they said they had disbursed XXXX $ and XXXX $ to the office. The office shows no record of this. An agent XXXX # XXXX has been in contact with me, but after faxing these documents to PHH and then emailing them to them, i have had no response as to rectification of this issue. Nor notice they have received these documents. If i don't get a quick resolution i will be forced to pay the XXXX $ out of pocket along with the raised mortgage payment and this is unacceptable. Perhaps this is some typo error in the company but i can not wait till this half ( along with fines and fees ) is not paid. I am having issues getting these phone files from emailXXXX XXXX  to the attachment upload, please send me an email addy i can forward them to?
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (FL)

We are in the process of selling our home to prevent foreclosure. In 2021 three separate Cashier 's check totaling XXXX were cashed and never applied to our account. They are saying that these payments were rejected and sent back to me. My bank has sent proof that two of these cashier 's checks were cashed and negotiated by PHH bank. I sent the email from XXXX XXXX XXXX showing the front and back ( # XXXX the amount of XXXX and # XXXX {$9000.00} were cashed and endorsed " FOR DEPOSIT ONLY XXXX XXXX XXXX ''. I have been going back and forth with their CSRs and they keep repeating that the checks were returned back to me. They don't seem to understand that they could not have sent them back to me once they were deposited into their account. What they should have done was cut me a check for the checks that they had cashed and not credited to my account. I am simply asking for the funds to be sent back to me so i can sell this house. Also, they have included an additional {$19000.00} to the payoff amount previously reported to me. I believe they have double the attorney fees in the " Recoverable balance '' that was sent to the title company halting the proposed sale of my property. Per FDIC rules the cashier 's check could not have been returned to me after they endorsed them, anyway. 
I have asked them to prove that they sent the checks back to me and they haven't because they didn't, it would have been impossible. I BELIEVE THAT THEY ARE TAKING ADVANTAGE OF ME BECAUSE OF MY AGE.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (FL)

I sold my vehicle as part of a trade in 5 months ago ( XX/XX/XXXX ), the dealership sent Chase bank, the payoff for the vehicle sold. All was fine and well. I noticed 3 months after selling the car my account had a credit of $ XXXX. I inquired about it with a Chase rep online and they said there was an overpayment on the account and they had sent me a check for the credit. I never received the check because it was sent to my old address so they sent a new one. By the time I received the check, it was over 3 months that I sold the vehicle, and the letter attached said thank you for paying off your vehicle, weve released our lien, etc etc. So I cashed the check. 

Now, in XXXX, 5 months after selling the vehicle, Chase bank calls me to tell me I have 30 days to pay back the credit issued or they would be sending me to collections for unpaid debt from the last 5 months. I was confused because it was the first time I was hearing about this and everytime I had looked at my account it was at {$0.00}, I never had a balance. 

They said it was a bank error that caused the credit and that it was never meant to be issued to the customer ( me ), and instead it should have been applied to the payoff. When they realized their mistake they reopened the account and reverted it back to XXXX. 

After making peace with the fact that I had no other choice but to pay it back despite only being given 30 days even though it was their fault. I called them to pay back the check which totaled {$3000.00}, and they said no thats not your balance because of the late fees and interest that have been applied from the last 5 months. 

I refuse to pay anything additional than the check I was issued because that is all I owe them not a XXXX more. And its unfair and ridiculous that they are making me pay late fees and whatever else when it was their mistake. 

I have spoken to several reps including 3 supervisors, all of which have told me different stories relating to the account. I asked to speak to a manager on XXXX and I still havent received a call back ( today is XX/XX/XXXX ). The last supervisor I talked to said she would recommend I pay the full balance which was like {$3300.00} or something around that number and they will most likely refund me after they revert the account back to XXXX and they couldnt remove the late fees because of the delinquency on the account. Again, the delinquency is not my fault and if we look at my payment history before the vehicle was sold, I never missed 1 payment and was on time every time. 

I am willing and ready to send them the money that they mistakenly credited to me, but it is unfair for them to expect me to pay anything more.
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TN)

At the beginning of XX/XX/XXXX, I entered into a forbearance agreement with my mortgage servicer, Shellpoint which was approved for 6 months. I was told that during the forbearance period, mortgage payments not made would not be reported to the credit bureaus. Although this was discussed and agreed upon, Shellpoint reported not receiving a payment for XXXX and XX/XX/XXXX. In XX/XX/XXXX, the forbearance ended and my payments were deferred to the end of my loan. I have spoke to Shellpoint and have submitted two different disputes asking them to remove the late payments from my credit report. Everytime I call, I am told the dispute is being worked on and my credit is going to be corrected. I called today to check the status and they told me that late payments are reported to the credit agencies and there is nothing they can do.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank closed my credit card in this XXXX, XXXX, siting " association with a chase credit card, deposit or investment account that was previously closed ''. I have been paying the card on time and in full every month since I opened it in XX/XX/XXXX, I never once had an issue and I have been using it regularly for normal daily spending such as grocery, dining, clothing shopping. I called to ask for a specific reason, I was not given XXXX. I needed a credit card so I applied for another one issued by Chase in XXXX, XXXX and was granted one right away with a high credit line. A few days ago I received the statement from Chase saying they are closing this credit card in XXXX, siting the same reason. I called twice, emailed a few times asking for a specific reason but still was not given one. Again, I have not had any issues. I even checked my credit score, it is excellent. During the time I had the credit card, I had no issues, Chase never contacted me regarding any issues they might have.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CHARLES SCHWAB CORPORATION, THE (ME)

I placed an order on XXXX, in XX/XX/2020. The purchase was made using my card connected to my Charles Schwab card ending in XXXX. I do not remember the exact amount of the purchase, but it was around {$1300.00}. I never received the device that I had purchased, and open the dispute with Charles Schwab. The dispute was resolved in my favor, and I received a credit for about {$1300.00}. After, I continued with Charles Schwab for a few more months before eventually closing my account. Sometime after the account was closed, Charles Schwab reversed the dispute without merit, causing the closed account to incur a negative balance of about {$1300.00} plus additional fees.
Consumer complaint received 2023-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

What more do I need to send as evidence? I was told, because I never sent payments through XXXX XXXX to Wells Fargo. Wells Fargo has a history of illegal business practices for at least 20 years. I was also told, because Wells Fargo, if I had records of transactions, but unless I could show proof of said transactions the complaint has been submitted as closed. 
I managed to actually find some past records. The whole premise of you never sent wires and we have no records of them. 
I had made wire transfers as early as XXXX. The same time period that Wells Fargo as a company wide, known illegal, basically criminal activity. 
I have sent document after document, to get no answer or response. Every piece of paper I sent, disproving everything lie that was stated in the response letter from the Wells Fargo closing the case. 
So I have proven that not only did they lie and cover up, they are still lying and trying to figure some legal loophole. 
If Wells Fargo wasnt find guilty for this same illegal practices. Had they not diverted funds to bogus accounts only to disappear and not traceable. XXXX XXXX dollar fine confirms their illegal activity during this time period. We have been the victims of Wells Fargo for 19 years, 19 years of lies deceit and criminal activity, established guilt XX/XX/XXXX when the courts levied the largest fine to date. 
Ive done everything I can to prove the out right lies and the continuing lies.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (MI)

On XX/XX/XXXX I received a determination of dispute. It was a violation. On XX/XX/XXXX I inquired on the XXXX website and found the information was still being reported. I am Reporting a violation on my behalf of all reporting agencies on the XXXX website. Including XXXXXXXX XXXXXXXX and all others listed on XXXX  reporting. 
I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and listed merchant ( s ) This is a final attempt to resolve. I would like this matter resolved permanently and immediatel. ***I COULD NOT UPLOAD DOCUMENTATION FILES TO BUTTON BELOW
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Upon reviewing my credit report, I noticed multiple bankruptcies on my report. Ive disputed these alleged bankruptcies multiple times and I am getting the same response from the bureaus. I asked each one to send tangible verification and neither provided it. Each bureau also obtain my information in a unverified manner. Again these bankruptcies are not mine and I ask for them to be removed ASAP!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the blocking and deletion of the accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I believe my personal information has been compromised, and I am taking necessary actions to protect my credit. 
Please find the details of the accounts that I request be blocked and deleted : Accounts : 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I have been in communication with XXXX regarding an account that does not belong to me. I have received documentation from XXXX stating that they were not able to verify the debt and have asked for the 3 Credit Bureaus to delete from my credit report however the credit bureaus have not deleted it as of yet.
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (KY)

This reply provides more lies communicated by this services SHELLPOINT I have been requesting an amount through my complaint for a payoff I have text from XXXX haas stating they would not take the purchase price plus 10 percent I even offered XXXX they said that was less than I owed if they had told me they were not going to sell it back I could have moved out and not lost my belongings to an eviction but like I stated in previous complaints they wait till after deadline to respond eviction was on XX/XX/year> response was received on XX/XX/year> this is the worst company I have with in my life not just deceptive they lie to customers
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my frustration and concern over the incorrect information that has been reported on my credit file. I want to make it abundantly clear that the items listed on the following pages do not pertain to any transactions I have made. It appears that someone, or some entity, has unlawfully used my personal identifying information to obtain goods, services, or money without my authorization, resulting in these erroneous entries on my credit report. I have taken the appropriate steps to address this issue. I filed a formal report with the Federal Trade Commission, which is attached to this letter, and have been in contact with the relevant agencies and creditors, who have been cooperative and guided me to this point. I understand the gravity of my request, and I want to emphasize that this is not being made in error or with any intent to deceive. I declare under penalty of perjury, under the laws of the United States, that the statements made herein are true and correct to the best of my knowledge. I am fully aware that any knowing and willful misrepresentation of material facts is a federal criminal offense, punishable under 18 U.S.C. 1001. Additionally, such misstatements are also punishable as perjury under 18 U.S.C. 1621.

Despite my efforts to file a police report, I was informed by my county that, without specific information on the individual or entity responsible for this identity theft, they would not file the report. This has left me in a difficult position, but I am determined to clear my name and correct my credit file. I appreciate your time and attention to this matter and trust that you will take the necessary actions to rectify these inaccuracies. For security purposes, I have included a copy of my identification on a separate page. 

EVERY ADDRESS BELOW IS TOTALLY 100 % INACCURATE .... 
XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX
Consumer complaint received 2023-03-23
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX