davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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 — Problem with personal statement of dispute
Company: LoanCare, LLC (CA)

We files for a forbearance 3 different times and waited for approval and called and emailed numerous times with no calls or emails returned. We waited for an answer for the forbearance finally got word in XXXX. The mortgage company told no negative would be reported. During XXXX we reached out to them seeking help and not knowing what was going on with the forbearance application for the 3rd time. They reported us late for XXXX, XXXX and XXXX before the month was even up on the XXXX of XXXX, 2020. We have contacted XXXX  many times and no resolve.
Consumer complaint received 2020-11-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Equifax, XXXX  and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (IL)

I am aware that Santander Consumer is being sued and I wanted to file a complaint against this company due to their fraudulent practices. As a former customer I financed a XXXX XXXX XXXX XXXX and was affected by Santander practices. Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. As a result I was one of the many customers who was stuck with a very high interest rate and my vehicle was repossessed in XX/XX/XXXX. This company engaged in deceptive servicing practices and misled us consumers.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Nations Info Corp (MS)

Your credit score and more advertised a Free Credit score and wanted your credit card to verify you were a real person. They said you would not be charged and it was absolutely free. The web site is yourscoreandmore.com. The phone number is XXXX XXXX XXXX. They charged my credit card XXXX and then a week later XXXX. I got no value for any of this not even a credit score. They stole my money and will not refund it. I have called them and written them. I reported this to Consumer Reports. I still do not have my money back.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Aspen Yo LLC (MN)

My mortgage was transferred from XX/XX/XXXX XXXX XXXX XXXX Gregory Funding in XXXX in 2020. 
My taxes and homeowners insurance were escrowed with them. The lender did not pay the homeowners insurance policy when it was due, and my policy lapsed. In XXXX there was storm damage to the home and when I contacted my insurance agent to make a claim, i was informed the policy was not in force and I was not able to make a claim for the storm damage. In XXXX I sold the home and the lender did not respond with a payoff until the day of closing, after several request to them by the title company an myself. We closed the sale and paid off the mortgage on XX/XX/2020. the next week i received notice from the county that the property taxes were not paid from the escrow account by the lender and i owed the tax and late fees. On XX/XX/2020 I received a late notice from the lender that the XXXX payment was past due and I'm in default. Finally, on XX/XX/2020 the lender contacted the title company stating they will not satisfy the mortgage as the quoted the incorrect payoff amount and asked that I send them an additional {$2400.00}. They said the reason for the error was that they paid the property taxes after they submitted the payoff to the title company
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

We refinanced our home at the end of XX/XX/XXXX. XXXX XXXX XXXX XXXX  bought the note. We made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Despite numerous attempts to get XXXX XXXX XXXX XXXX to report our payments to the credit reporting agencies, they still refuse. The only payment that shows up is the XXXX payment and that is because I filed a formal dispute. The report shows that XXXX XXXX is saying our account is in forebearance until XX/XX/XXXX, which is not true. Our credit scores dropped over 75 points because it looks like we have not had a home or payment for five months.
Consumer complaint received 2021-04-10
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. (VA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-04-09
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. (CT)

On XX/XX/XXXX and XX/XX/XXXX I wrote to XXXXXXXX XXXX about a hard squire on my Equifax report that was inaccurate. I never have anyone permission to pull my credit. On XX/XX/XXXX I wrote Equifax and they advised me to contact XXXX XXXX  I called XXXX XXXX they advise me to contact Equifax.!! This is not good they have me going back and fourth and the matter still isnt resolved.. I spoke with a supervisor from XXXXXXXX XXXX and he said he doesnt see any info pertaining to this matter. I want this inquiry removed immediately. Im not getting proper assistance thank you
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My Account has been locked for a week which started XX/XX/21. I have called fraud protection every day since and have not gotten feedback or a resolution to the problem. Every representative has stated that my account will be resolved in 24- 48 hours but it has been a total of 8 days and i am still uninformed to the problem and there still has been no resolution.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (CA)

I lost my job due to the COVID-19 pandemic. XXXX XXXX XXXX and California public health officials have issued shut down orders to prevent the spread of COVID-19. We are 5 people in our family me my wife and our 3 kids. we have no money and our mortgage company is not giving a forbearance option, my business is still shut down, and have not got the approval yet from the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX to reopen our business, Our XX/XX/2021 mortgage statement shown we had positive {$1100.00} positive escrow balance and I requested from lender to release it back to us that way we can buy some food and kids school clothing but I don't know what they did with the money, we are getting $ XXXX  monthly food stamp for 5 people which barely get us by, I try to get a job but no luck and also no luck for reopening our family business. also, they add a late fee every month on our mortgage even though we were on the forbearance with them
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NJ)

I obtained a mortgage from Webster Bank through XXXXXX/XX/XXXXXXXX and the underwriting process ( I am not sure if the underwriter was internal or external ) made me suspicious ofXX/XX/XXXX 

I provided all of the required pay stubs and tax forms as requested in the loan application. Prior to my application being approved, I was asked to provide a letter from XXXX XXXX explaining the items on my pay check, my XXXX XXXX representative was emailed to confirm that I hold the position that I do, I was asked to explain why my title is "XX/XX/XXXX does not appear as a line item on my checkXX/XX/XXXX ), I was asked to clarify what type of XXXX I identify as, I was asked to explain a 1 month gap in XX/XX/XXXXduring which I changed jobs from the XXXX XXXXXX/XX/XXXXXXXX XXXX, and I was asked to provide additional pay stubs prior to closing ( this request seemed reasonable to confirm my income had not changed ). All of these requests were asked in a very piece-wise fashion ; I would address XXXX request from the underwriter and then days later have a new request. I have consulted with friends and colleagues who work at the same institution that I do, it does not seem that these requests are standard. 

My salary is quite high, my XXXXXX/XX/XXXX, and I haveXX/XX/XXXX. I am happy to provide my financial information in a secure way.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have a {$1300.00} derogatory mark from XXXX XXXX on my Equifax, according to XXXX XXXX, that was opened on XX/XX/XXXX. This is inaccurate reporting. The last time I had lab work done prior to XX/XX/XXXX, was in XXXX of XXXX. This should have been covered by my insurance XXXX Either way, I've received no bills for this lab work. 

I have tried to file this dispute with Equifax, but every time I attempt to log in online to dispute, I get the error message " Please give us a call. We can't complete your request at this time. Please call the Customer Care team. '' Every time I call, I'm referred back to trying again online within a day or two, or that their " systems are down '' and to try calling back in a few hours. Sometimes they are " unable to verify my identity '' and won't let me proceed. 

I am tired of the cat-and-mouse game with Equifax. Because of them and inaccurate insurance reporting, my credit score is suffering. I'd like to get this dispute settled but I can not if I can't get past the first step of opening a dispute. Please advise.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (SC)

THIS IS A NEW COMPLAINTAN DO NOT SEND ME THE SAME RESPONSE WITHOUT LOOKING AT THE ATTACHMENT TO THIS COMPLAINT YOU FRAUD COMPANY!!!! I have a loan with CCB/CHLDPLCE. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX XXXXXXXX on my Childrens Place account and they were required to pay all billing while I was out on XXXX  leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and CCB/CHLDPLCE with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

We booked a vacation with XXXX for XX/XX/XXXX. We used the pay delay option and they took out the following amounts : XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} I filed a dispute with Citibank ( reference number XXXX ) for the total amount of {$3400.00} on XX/XX/XXXX. I have only received automated notes saying the transactions are too old and they will not refund. XXXX has closed its doors and has not refunded any of the transactions. 

I sent all information to Citibank and have not received any current updates regarding the refund of our money.
Consumer complaint received 2020-06-23
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: Navient Solutions, LLC. (LA)

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2019 - Late 90 days remark. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I pulled my credit report and found accounts in my name that do not belong to me. I am trying to conduct personal business and these accounts are affecting my credit score : CAPITAL ONE AUTO FINANCE # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (NJ)

I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? 

There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? 

There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )
Consumer complaint received 2020-06-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NV)

THE MTG BROKER, TITLE ESCROW AND MY SELF HAVE CALLED AND ATTEMPTED TO GET A PAYOFF FROM CURRENT LENDER FREEDOM MTG. FREEDOM HAS LIED AND PERPETUATED THIS FRAUD AND STATED WE HAVE TO SEND THE PAYOFF TO TITLE AND CAN NOT SEND TO YOU THE BORROWER. I HAVE CONTACTED MY ATTY TO HELP BUT IT SEEMS RIDICULOUS ; I HAVE TO GO TO THIS LENGTH TO GET A PAYOFF FOR MY HOME. I AM A XXXX VETERAN AND NEED HELP TO RECOVER THE PAYOFF
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Card Services XXXX XXXX XXXX XXXX, DE XXXX Dear Barclays Company, XXXX Reword Credit Card XXXX I requested credit line and your bank always denied my request even my credit score good and excellent. 
XXXX XXXX credit scores a s following XXXX - XXXX XXXX - XXXX XXXX - XXXX I have a higher credit line different banks and I am requesting this card because I need a get XXXX Computer. {$1000.00} credit line not enough.Please reconsider my request and approve credit line. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I opened an account with citi and enrolled in the Citibank {$700.00} Checking Offer. The requirement that stated in the offer is in the following : To earn {$700.00}, complete these required activities* : 1.  Make a deposit of {$50000.00} or more ( multiple deposits allowed ) in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within thirty ( 30 ) days from account opening. 2. Maintain a minimum balance of {$50000.00} in the eligible account ( s ) for sixty ( 60 ) consecutive calendar days following the date when you made the {$50000.00} deposit ( " Minimum Balance ''  ). I have transferred the fund in XX/XX/2019, I was supposed to get the bonus by XX/XX/XXXX according to citi that " the cash bonus will be credited to your new checking account within ninety ( 90 ) calendar days from the date you complete all required activities ''. 
I submitted a claim to CFPB on XX/XX/XXXX ( XXXX ), and received their response on XX/XX/XXXX. I mailed the W-8 ben form as Citi 's request on XX/XX/XXXX, and emailed the Citi Executive Response Unit that I have mailed the form, and expressed my concerns. I've not received a response. I've called Citi bank several times today, and a representative have confirmed that they received my W-8 ben form but told me that I have not been W-8 ben form certified. As the same problems has been happening, I questioned how many times do I have to send the W-8 ben form to Citi if they just keep not verifying it. As I did submitted W-8 ben before for twice. The representative put me on hold and after a while the call got hang up. As you can see in one of the screenshoot, I have called Citi bank 9 times today. For 3 calls I got to talk to a representative, and 2 of the calls got hang up when the representative put me on hold. For the last call, the representative put me on hold when he was looking up my case, and then I got transferred to another representative. I was told by the last representative I talked to wait for one more week. I have not got an answer when exactly I'll be getting the bonus yet.
Consumer complaint received 2020-06-23
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: Professional Medical Management, Inc. (PA)

I just log in on My computer and XXXX XXXX ( XXXX ) credit bureau Collection back XX/XX/XXXX And at this time I use to have Insurance card has been presented, why you guys left collection bill on my credit report XXXX XXXX XXXX XXXX CT, XXXX Pa XXXX Dob : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2020-12-08
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. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.