davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I have a Mortgage Loan serviced by " Caliber Home Loans ''. I trust, " XXXX '' is the Investor, as they sued me for Foreclosure. 

My mother XXXX XXXX sometime back and we could not afford the Mortgage payments. Hence we became delinquent and are trying to do a Short sale, for the last 8 months or so, to avoid a Foreclosure on our Credit Report. 

My 3rd party submitted several ALL CASH Offers, the last of which was about {$500000.00}. This Buyer is willing to close in 15 Days and take care of all the extensive repairs amounting to around $ 300K (  Inspection Report by a Licensed Inspector and a Repairs Estimate by a Contractor attached ), as also deal with the delinquent tenant. He is Ok with a Short Sale or a Note Sale, whichever is OK with Caliber.
But unfortunately, Caliber is stone walling all the Offers, saying that short sale/Note Sale is not an option at all now. They are not even giving any counter-offer, but only saying that I have only 2 options, namely : 1 ) Deed-in-Lieu ( DIL ) 2. ) Bringing the Loan Current by paying around $ 380K. 

I have told them several times already that both the options are not at all feasible, because : 1. ) There is a delinquent ( XXXX ) tenant, who has not paid rent for about a year now and I have started eviction proceedings against him ( copy attached ). I am told, as he is a XXXX person, the Courts would be much more lenient towards him and the case can go on for a year or more. So DIL is not an option at all. 

2. ) Secondly, to expect me to pay about $ 380K and  bring the Loan current is also a far cry, as I am bankrupt now. In the first place I was not able to even maintain my monthly mortgage payments, which is why, I am in this situation. So the 2nd option of bringing the Loan current, is also not at all feasible.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I leased a car from Mazda Financial in XX/XX/XXXX. I paid all XXXX lease payments in a timely manner without any late payments. Almost all of the payments were made using the online auto pay feature. I reconciled my bank accounts each month to make sure the payments had gone through. 

The lease matured on XX/XX/XXXX. My intention was to purchase the car in full, which I later did on XX/XX/XXXX. 

My understanding was that the car lease gets auto extended for a period of up to XXXX months if no action is taken. 

I was out of the country from XX/XX/XXXX to XX/XX/XXXX. During this time I did not notice that my XX/XX/XXXX lease payment did not get auto withdrawn from my bank account. 

By the time I returned, I attempted to make a payment using the Mazda website and phone app, as I had done for the previous XXXX years. 

The website and app directed me to call a phone number which was always having very extended wait times when I call during my limited daytime availability. 

Since I intended on purchasing the car within the coming couple of weeks, I did not overthink the need to urgently make a payment. I had paid all of the XXXX lease payments. 

I later received a credit report alert that my account was 30 days late because the payment was to be due on my lease maturity date of XX/XX/XXXX since I had yet to return the car. My credit score dropped by XXXX points. 

I initiated a dispute with the credit rating agencies which sustained the damaging remark. 

Upon contacting Mazda Financial services, I was informed that due to my lease maturing, there became no way to make online payments. Despite seeing in my XXXX and XXXX Mazda account statement on page XXXX that payments can be made online, I was unable to do so. This is clearly misleading. 

If possible, I would have gladly paid off the entire car balance if the website would have managed that capability as Ive done in the past with XXXX. 

Mazda Financial services is unwilling to adjust my account despite the Mazda system being not user-friendly post lease maturity date and the call center having extended wait times.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I am able to log-in to the 5/3 app and website but can not see my account info. I have spoken to several customer service associates and supervisors. I was told it was an IT problem and that it was only affecting some customers. I asked why I was not alerted and was given no answer. They told me I had to deal with it and be patient.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the XXXX major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

JEFFERSON CAPITAL SYSTEM XXXX {$580.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with JEFFERSON CAPITAL SYSTEM. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report.

To date, JEFFERSON CAPITAL SYSTEM has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I paid my balance in full by the due date of XX/XX/XXXXXXXX  and I was still charged interest on my credit card in the amount of {$38.00}. In my many years of having several different credit cards, I have never had a situation like this where I paid the balance in full by the due date and then I was charged interest. Every time I have paid my balance in full by the due date, I was never charged interest. This is disappointing. I called on XX/XX/XXXX to speak with customer service to get the interest charged removed and I was told they couldn't waive the fee because it was valid. I have had this credit card for such a long time and always paid on time and never had any issues until now. The customer service representative couldn't even give me a concrete answer as to why I was charged interest even though the balance was paid in FULL by the DUE DATE.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX : A total transaction of XXXX $ was made on my banking account through XXXX without my acknowledgement. 
XXXX : I filed a claim to the Chase Claims Department regarding the fraudulent claim. 
XXXX : Chase reported back to me that it was somehow authorized by me when I did not made the transaction personally. 

I have found that my phone was taken by my parents and used it to perform said transactions.
Consumer complaint received 2024-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (FL)

We had expirenced water damage on XX/XX/2024. We had filed a claim XXXX insurance and all went well. Mortage company now has possession of the insurance check and has denied many times after many phone calls over the last 2 months to release any money to fix my home. Many different statements and requirements being asked and done and still no money to be released. My electric bill has been very high due to damages not being fixed my home being hot daily XXXX my kids living there as they will now release any money to fix the the home :
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (TX)

XX/XX/2023 FORTIVA CREDIT CARD IS SHOWING A LATE PAYMENT ON MY CREDIT REPORT, SPOKE WITH REP AND HE IS SAYING THAT HE DOES NOT SEE IT THIS IS NOW REPORTING ON ALL 3 OF MY CREDIT REPORT I WAS NEVER LATE IN XXXX
Consumer complaint received 2024-09-24
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Wellness LLC (TX)

When contact was first made with Credit Wellness LLC I was on XXXX searching specifically for a phone number to contact XXXX XXXX XXXX when a link clearly with the name of XXXX XXXX XXXX brought up a phone number that I called from XXXX. A representative picked up and I did not know until much much later into the call that I was not speaking to someone regarding resolution of the account from XXXX XXXX XXXX. I paid a lage upfront fee and was made to subscribe to another service XXXX  as well. While the had 1 item removed from credit report in the XXXX month there has been nothing sense then and I am out of the money originally meant to pay my debt to XXXX XXXX XXXX and will have to work atleast 2-3 months just to pay it off unfortunately. I find this way of misleading customers into believing they are contacting XXXX XXXX XXXX to be intentionally misleading and predatory with many customers such as myself only continuing with the service in dear hope that Credit Wellness LLC can do what it promises for its customers now that we are out of the money meant to pay the original debt
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

The XXXX pre-paid XXXX XXXX Card that I currently have has continued to withhold funds from me illegally. I recently filed a complaint with them regarding a pre-authorization charge hold that was placed on my card for a recent hotel stay. In that case, despite the fact that the hotel had released the funds the very next morning upon checkout, the XXXX XXXX  card decided to withhold the funds for up to 21 DAYS! After making my way through several calls and supervisors later, they had told me the funds could be released if I were to send in a fax with specific instructions and answers to their various questions regarding the transaction. Once I completed that unnecessararily tedious transaction, the funds were released back to my accountabout ten days after they should have been. Well in my current situation, the same exact kind of hold, this time for {$86.00} was placed on my account on Friday, XXXX XXXX, despite the hold being immediately released the following day on Saturday, XXXX XXXX. Hoping to take advantage of what is still a tedious way to get what was rightfully owed back to my account in an efficient manner, I had sent in a fax again, per their specific instructions and answers I was to give to their questions. But, lo and behold, they told me of a restriction they havethey only allow these faxes they use to release the funds that should have already been released to my account ONCE EVERY 30 DAYS. I would like to point out it doesnt state this anywhere in the card holder agreement, to which the supervisor stated was correct. So they are are setting up their own kind of rules that are not written in their cardholder agreement. Isnt this an unlawful withholding of my funds then?
Consumer complaint received 2024-10-11
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. (NJ)

I'm writing to share my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Loqbox US Inc (VA)

I am writing to formally request the removal of inaccurate information related to closed accounts on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that the following closed accounts are inaccurately reported : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$16.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter.

I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information.

FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOUTHEAST MORTGAGE OF GA INC (GA)

I am writing to bring to your attention the discrepancies in my credit reports regarding late payments. Specifically, the payment information across all three credit bureausXXXX, XXXX, and XXXX inaccuracies. For instance, XXXX indicates that my XXXX payment was not made, while XXXX shows that it was paid, along with additional payments made ahead of schedule. 

I have contacted the company multiple times to request the removal of these late payments, as I was participating in the XXXX XXXX XXXX XXXXXXXX through my mortgage company. Once the assistance was provided, the program made payments not only to bring my mortgage current but also to pay ahead through XXXX, which is not reflected in any of the credit reports. 

Additionally, I submitted a XXXX letter requesting the deletion of these late payments, but I received a response stating that company policy does not allow for such action. After conducting further research, I have reason to believe this response is incorrect. Furthermore, I would like to highlight that my mortgage was sold to a new lender in XXXX, yet the previous company continues to report this inaccurate information. 

I would also like to draw your attention to the requirements under 15 U.S.C. 1681s-2 ( a ) ( 7 ), which pertains to the Notice of Negative Information . This statute mandates that a lender must provide notice to the consumer when negative information is reported to a credit reporting agency. Given the inaccuracies in my reports regarding late payments, it is crucial to determine whether the reporting company has adhered to this requirement, as the failure to provide proper notice may further support my case for correcting the erroneous information on my credit reports. 

I kindly request your assistance in resolving these discrepancies to ensure that my credit report accurately reflects my payment history and complies with the requirements set forth in the FCRA. Thank you for your attention to this matter.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MD)

Affirm stated that my account went 30 days past due, because my due date was on XX/XX/year> and they said I didnt make my payment until XX/XX/year>. This is incorrect, because my payment was made on XX/XX/year> a day before the XXXX day. It even reflects that in the the Affirm app. Ive attached proof of when payment was made. Also the said the 30 day late would have been for XXXX, but thats incorrect as well. IF I was late which I wasnt that would be reflect for XXXX and not XXXX. My credit report shows XXXX payment made on time and it should reflect as on time for XXXX as well.
Consumer complaint received 2024-09-24
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: CL Holdings LLC (TX)

This is regarding CFPB complaint XXXX. Jefferson Capital stated that they have terminated collection efforts on the XXXX XXXX debt and have requested the credit bureaus delete the tradeline. Unfortunately, I am still seeing this reported. I do understand that the company responded on XX/XX/17, however my dispute was sent on XXXX. I am still requesting that this is removed within 30 days from when my dispute was sent. I am expecting to see this tradeline removed on my next credit report refresh on XXXX. I have attached a copy of the initial CFPB complaint for your reference. If this tradeline is not removed within 30 days of my initial dispute, the True bill which was attached to the last CFPB complaint will be expected to be paid and remitted to the address on the invoice.
Consumer complaint received 2024-09-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I called Dell financial because I could not get into my account to pay my bill they make it impossible to get I got he account. Especially since they switched banks in the middle of my credit card time. On XX/XX/19 I called and spoke with a representative to pay my balance and close my account. I made it clear I wanted to be done with them and have my full balance paid. I was assured that my balance was paid and the account was closed. A month later I get a bill from them and again could not access my account so I had to call them. To find out that 5 days after I closed my account they assessed a late fee and the late fee has been racking up interest and also another late fee and more interest. Well after the account was closed. I was hung up on when I asked to speak to a supervisor. Then had to call back and kept getting transferred to supervisors which I believe were just co workers. Each level the person was ruder than before and would refuse to speak to me so then I would get pushed to the next supervisor. Finally get to the last supervisor and mind you this is a recorded line I can hear the call center talking to each other saying we could waive the balance but Im not going to offer it to him. All on a recorded line I called the me out on it and they acted like that didnt happen. They are doing deceptive practices and preying on individuals who believe their account is closed and having them rack up late fees and interest. I paid the balance but do not believe I will be done with them as they said I would have another late fee assessed next month. I want my money back for the late fees and interest.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Card had XXXX balance and I was just going to cancel it but I didnt and I pay the fee of XXXX and they said it was late and sent a negative report to the credit bureau over {$1.00} so then I used the card and bought airline tickets, meanwhile they sent another negative report again, I spoke to several people over the phone about this to no avail, so I paid off the card and closed the account. I work hard to keep my credit score in excellent standing now my credit score has been downgraded over XXXX points. I just wanted them to right the wrong, this card had a XXXX limit I am shocked and very mad about this. 
Thank you XXXX XXXX XXXX