davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
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: U.S. BANCORP (SC)

US Bank has reported my account for 3 months to XXXX as showing a balance on my account. It was opened in XXXX, XXXX  and paid off with the same month. It has been nonstop on my credit report since then. I file a dispute each month with XXXX and it has a couple of times showed no balance, then within days I get a notification that my card has the balance. I am in the middle of refinancing my home and this is going to hurt me and I would like for someone in authority to please check why they cant get their information corrected. Ive called them many times and they verify a XXXX balance but can not explain why its not corrected on my credit report. This is absolutely unacceptable.
Consumer complaint received 2017-03-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I have student loans with navient and they are reportinh 2 late payments on my credit report .this is holding me back from getting credit cards approved and the possiblity to purchase a home. I did not know i was i. Repayment period and was not offered a way to post pone payments i found out through my own research online and called back and requested the forbearance because repayment will cause me financial hardship. Not sure if my loan is private or federal, i really didnt know what i was getting my self into, when i originally signed up for college i was u der the impression it was finiancial aid because i did not make much money.
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I was an authorized user on my x-wifes XXXX charge card and never used the account. We divorced last year and she removed me from her account. All XXXX bureaus are still saying the account is valid and belongs to me. I just sent in my Divorce Decree with a letter stating that XXXX did not have me on the account and to remove me. They refuse to. I have called XXXX directly and they are unable to assist because I am not on the account and never actually even received a card. I am at my whits end. My x wife has maxed out her XXXX card and her actions have caused a XXXX point drop in my credit score. XXXX customer service number is XXXX. I spoke with XXXX and she said that there was nothing they could do to assist and that my x wife had called in 4 weeks ago at my request to make sure I was removed. Her email is attached as well. Thank you
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-17
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2016-04-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (GA)

I had a XXXX XXXX credit card that I suspected was being used by a family member without my permission. I called XXXX XXXX and asked if they could put a block on the credit card and a password so that it could not be used for future charges. I also requested a password be put on the account and that the block not be removed by me without written consent by me. They agreed to do this for me. I paid the credit card off in full. 

A few months passed and I got a bill from XXXX XXXX for about {$1700.00}. There were many charges for gift cards made on the card. I called to report and told they would investigate. After many phone calls and other correspondence with XXXX who is responsible for XXXX XXXX credit, I was told that only if I agreed to prosecute the person responsible for making the charges would I not be responsible for the charges. I did not want to prosecute or be involved in prosecution. I asked why the block was removed. I was told that I had called and removed the block from the phone number on my account. I have a letter from them in writing to verify this. I did pay the account. I did not remember making any such phone call. I am XXXX and thought maybe I was forgetting but just could not believe I would do such a thing. They refused to let me hear the recording of the conversation but the person I spoke with assured me that she had heard the recording and indeed it was my voice. 
Later, I decided to call my telephone company and see if I could get a list of all phone number made on the date I was suppose to have made that call. I have a list of those numbers and no such phone call was made. The people at XXXX just lied to me. I did not make the call! Is there anything I can do at this point? People beware of this credit card company! 
I have documented proof of their unethical practices and lies!
Consumer complaint received 2024-10-17
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. (MA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-09-28
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: United Consumers Inc (CA)

United Consumers Inc. sent me a notice stating that I owe {$150.00} to XXXX XXXX XXXX XXXX, however they are refusing to provide me with a bill. I have asked to cease collection activity until the debt is validated and they refused, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MI)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX WA XXXX
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (UT)

I have XXXX mortgages with LoanCare and for the past 3-4 months I have been trying to sort out a missed payment. I pay through my bank and all payments appear to have been made on time and I have proof of payment documents. I have attempted many times to sort this out with LoanCare via phone and email to no avail. I leave messages ( as they say wait time can be up to 10 minutes ) but no one ever returns the calls. I have sent emails with proof of payment information but they have only responded 1 time and their response was incomplete. I am selling the XXXX home and will close today. When I received the pay off information they still do not have the missed payment and are charging a late fee as part of the settlement. Also I made a payment as directed by the title company on XXXX XXXX, 2017 and Loancare still does not reflect this payment.
Consumer complaint received 2016-03-16
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP (OH)

Concerning the appraisal, we instructed XXXX ( Who works for AAG Case number : XXXX. ) to put in an appeal with houses that is more similar to my own a week ago. The appraiser used houses that look nor are in any why close to mine. I found houses that sold in within three months that looks and more similar to my own. As you can see the first set is the appraisers comparison, and the second is the homes I found in the same area of mine. The FHA appraiser should be investigated.
Consumer complaint received 2024-11-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (PA)

I have reached out to the debt collection agency Sunrise Credit Services in regard to the account XXXX and them attempting to collect a debt that is not mine. I have requested proof of ownership as well as a signed purchase agreement over four months ago and they have yet to provide me with the requested information. They are reporting a debt that is mine and that is the result of fraud and identity theft. I have no knowledge of this referenced account, and it should be removed immediately.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A. (VA)

Citibank responded to my compliant but has rejected their own solution to the problem. I believe they misrepresented the information and did not properly follow through with their recommendation or have incompetents responding to these complaints. I do n't understand their reasons, I contacted the bank multiple times and have talked with a variety of people. They do n't seem or attempt to understand the problem. This bank 's policies are hostile to the customer.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to formally request the removal of a closed account from XXXX XXXX XXXX listed on my credit report as a closed account with late payments, as per the Fair Credit Reporting Act ( FCRA ). This account has been turned over to an attorney. I am actively making payments towards this debt, and have been every month since XXXX of 2023 when the account was turned over to Attorney law office XXXX XXXX XXXX of XXXX Ohio. 

Under Section 1681i of the FCRA, consumers have the right to dispute any inaccurate or unverifiable information in their credit reports. Given that this account is closed and I am taking steps to resolve the outstanding balance, I believe its continued presence on my report is not reflective of my current financial responsibility.

Additionally, under Section 605 of the FCRA, accounts that are paid or settled may be removed from a credit report after a certain period. I kindly request that you review my situation and consider the removal of this account from my report.
Consumer complaint received 2024-11-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A. (NY)

To Whom It May Concern : I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX, regarding their alleged unfair and unlawful collection practices, as well as potential violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This complaint specifically addresses XXXX XXXX XXXX, XXXX  ( the collector ) attempts to collect on a debt purportedly owed to Citibank N.A., and Citibanks alleged issuance of a 1099-C form to the IRS without notifying me. 

1. Failure to Provide 1099-C Notification : Citibank N.A . appears to have filed a 1099-C form with the IRS in relation to this debt. Under IRS rules, creditors who issue a 1099-C form must provide the debtor with a copy. However, I never received such notice, leaving me unaware of any potential cancellation of debt income reported to the IRS. This oversight may affect the legal status of the alleged debt and my credit report, which under the FCRA must accurately reflect all pertinent information related to a debt. 
2. Violation of Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX, XXXXs  actions may be in violation of the FCRA, specifically : Inaccurate Reporting of Debt : The FCRA mandates that credit information must be accurate and complete ( 15 U.S.C. 1681e ( b ) ). Due to Citibanks apparent filing of a 1099-C, XXXX XXXX XXXX , XXXX may be reporting a debt that has been discharged or forgiven, leading to a potentially inaccurate credit report entry. 
Failure to Provide Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to a validation of the debt. However, despite my request, XXXX XXXX XXXX , XXXX has failed to provide me with a debt validation letter, creating further uncertainty about the legitimacy of this debt. 
3. Improper Venue and Lack of Jurisdiction to Sue in New York : XXXX XXXX XXXX , XXXX has filed a lawsuit against me in the state of New York, despite the fact that I am a resident of Ohio. This filing is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692i, which requires debt collectors to bring legal action either in the district where the consumer resides or where the contract was signed. Since I do not reside in New York and did not sign the contract in New York, this lawsuit constitutes an improper venue and is thus unlawful. 
4. Lack of Authorization to Collect in New York : XXXX XXXX XXXX , XXXX has yet to provide evidence of their authorization to collect this debt in New York, where they have initiated litigation. Under the FDCPA, debt collectors are required to prove their authority to collect, especially when jurisdiction is in question. I request that they produce documentation establishing their right to pursue this debt collection in New York, in compliance with applicable state laws.
Consumer complaint received 2024-11-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OLD NATIONAL BANCORP (TX)

On XX/XX/XXXX, I spoke with a representative from Old National Bank and requested a loan payoff to be made in the amount of approximately {$XXXX} on an auto loan. The representative processed that request, and the loan was paid off in approximately XXXX business days. Approximately XXXX  days after the loan was paid off, I called to inquire how long it would take to receive the title to the vehicle. I was told that the title and a copy of the lein release would be mailed out on XX/XX/XXXX. I still had not received any documents via mail by XX/XX/XXXX so I called Old National Bank again to inquire if the title and lein release had been mailed out. The representative confirmed they had and instructed me to call back if I did not receive anything via XXXX mail by XX/XX/XXXX. At that time, they also processed a request to provide me with a copy of the loan pay off leter ( note not the XXXX relase document ). I received a copy of this document and on the document I noted the incorrect address. I immediately called XXXX XXXX Back and inquired if the incorrect address was used to mail out the title. The representative confirmed they did not use the address listed on the loan pay off letter and ensure me that they had the title mailed to correct address. I called back on XX/XX/XXXX as I never received the title via XXXX mail to inquire about next steps. The representative informed me that I would have to request a duplicate title from the state which the car was registered. In order to request the duplicated title, a request was made to the loan department of Old National Bank to release a copy of the lein release letter to my email and to my physical address via XXXX mail. I was told the email should be sent within XXXX to XXXX hours. I requested to speak to a supervisor to determine if it could be confirmed from the loan department about which address was I never received an email, so I called Old National Bank yet again on XX/XX/XXXX. I was told the person handling my request from the loan department was online so the representative reached out to her to determine if another email could be sent. He never received a response from her so he let me know I would have to call back again on XX/XX/XXXX to inquire. I called Old National Bank again on XX/XX/XXXX and spoke with a representative explaining by request to obtain a copy of the lein release via email. She then informed me she requested another email and to call back in XXXX business days if I have not received anything.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (WI)

I was declined for an auto loan by XXXX and JPMorgan Chase and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BROKER SOLUTIONS, INC. (GA)

I visited a new build property for a townhome ( XX/XX/XXXX ). I was offered a promotion for closing costs to be paid with a seller and lender credit and prequalified for a rate of XXXX with preferred lender. Signed Purchase Agreement ( XX/XX/XXXX ) The new build was expected to be completed within 90 days ; however, they did not lock in my rate, offer to lock in the rate, or provide me with any options. The have since sent me Closing Costs Worksheets ( XXXX ) with numbers requiring me to pay thousands of dollars in discount points that should be covered with my credits, pay an interest rate no lower than XXXX, and have a monthly payment around {$300.00} a month higher than expected. The seller and preferred lender are then being compensated using the credits they offered me by forcing me to pay for the discount points and steering me into a loan that does not benefit me. I responded with the best scenario being the rate of XXXX on ( XX/XX/XXXX ) and started asking my questions. When I ask questions on the max limit in credits they can provide, explain the discount points, explain why my down payment, which hasn't changed, is not considered enough for my minimum investment, I am not provided with any answers. The appraisal also includes screens on the windows and the screens were missing. When asked about them, they are making me pay for them, when they should be standard.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CA)

I submitted a payment by mail to Nelnet ( loan servicer ) with explicit instructions that the amount of {$7300.00} was to be applied to Group A, Loan 1, which is my highest interest rate loan. Instead, they spread payment across all the student loans that I have. The other loans have a much lower interest rate. I assume they thought I would not notice and reap the additional monies earned through the higher interest rate. Student loan servicers should not be allowed to do this and should be required to apply payments to highest interest loan unless otherwise instructed.