davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I am requesting that XXXX XXXX XXXX XXXX remove a hard inquiry from my XXXX   credit report. Please review the documentation that supports my claim that my credit being run by XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) was unauthorized. Ive attached a copy of the pre-approval letter from my credit union,  XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) to run my credit due to having already secured financing through my own credit union. 

I am requesting that XXXX XXXX XXXX Property ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) remove the hard credit inquiry from my XXXX  credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.
Consumer complaint received 2018-08-17
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. (AZ)

My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. 

Approximately a month later in XXXX of 2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt. 
During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. 

My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. 

So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.
Consumer complaint received 2021-01-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (IL)

A default judgment filed against me which was for XXXX from Westlake Financial. The credit bureau shows a delinquent amount of XXXX with Westlake Financial which differs significantly with the court ordered amount. On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX XXXX XXXX and was offered a settlement for XXXX to close the account due to a financial hardship caused by child support. I called in on XX/XX/XXXX to follow up on the settlement and was told the would not honor it and that I needed to pay the balance in full. We are in the middle of a pandemic and I called in good faith to resolve the account. I would like to get the offer in writing that is reasonable and affordable due to my financial hardship, so that I can resolve the account without being told different figures every time I call.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I am filing this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this issue over 30 days ago, I have yet to receive a response or satisfactory validation. I would appreciate your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : XXXXXXXX XXXX XXXX XXXXXXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (WA)

My mortgage was taken over by PNC Bank in XXXX, Ohio. Apparently my taxes went up a bit and the monthly amount was increased. Because they had an incomplete address ( I disputed that I could ever have let that happen as they only use XXXXhe street address of a condo complex, not my condo number ), I didn't get the notification until a bunch of mail from the bank was bundled together. In that bundle it stated I had not made the XXXX payment, and I owed that plus XXXX at the increased rate, plus a late fee. I had paid XXXX, but the amount was {$68.00} short of the total because I had not gotten the notification of the increase. 

I called customer service and was told that if I paid the difference and the full amount for XXXX before XX/XX/XXXX, they would take off the late charge. I paid the 2 amounts through my bank online while still on the phone with customer service. It was received XX/XX/XXXX. PNC Bank corrected the mailing address and I was told they could not correct the note without a letter from the post office. ( The postmaster at my post office said there is no such thing. ) I paid the XX/XX/XXXX bill with the corrected amount and it was received on XX/XX/XXXX ; I always have the mortgage paid before it is due, but they keep passing along the late fee. 

I do not know why the late fee keeps getting passed along to me when I was told it was removed.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (FL)

As a young man just out of the XXXX XXXX, I did not have any credit establish, as a result I had gotten a credit card, with 0 % interest for the first 12 months, to establish credit. I planned to leveraging my monthly expenses to create that establishment.

Shortly after I came across an emergency. I needed to buy a car because my vehicle ( XXXX XXXX XXXX  ) was not in the best conditions to continue using frequently. I had gone to the dealership and traded in both my motorcycle and car. Unfortunately I needed to use my credit card to make a down payment of {$3000.00} to achieve a desired low monthly payment I could afford. My goal was to pay off the XXXX  before my 12 months expired.

Now that I am about to start full time school, with only a part time job, I am unsure whether I will be able to completely pay off my credit card before the 12th month. Accruing interest on {$3000.00} will then leave me neck deep.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IN)

I WAS CHARGED FOR SEVERAL CHARGES ON MY CHASE VISA ACCOUNT THAT I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH ANY OF THESE COMPANIES.. I CONTACTED CHASE VISA AND REPORTED THESE CHARGES AS FRAUD WHEN I RECIEVED MY STATEMENTS AND REVIEWED THEM AND THEY NEVER DID ANYTHING FOR ME. IT IS NOW XX/XX/XXXX AND STILL NOTHING. I WILL LIST THE CHARGES THAT WERE ON MY ACCOUNT ; XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX  ALL THESE CHARGES ARE FRAUD AND I NEVER DID BUSINESS WITH THESE SAID COMPANIES, I HAVE NO IDEA WHO THEY ARE AND NEVER AUTHORIZED ANY OF THESE TRANSACTIONS. THIS IS SENIOR ABUSE AND THEY STOLE FROM ME. THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY CONSENT, AND WITHOUT ME GIVING THEM MY CREDIT CARD INFORMATION, SO HOW THEY GOT THAT INFORMATION I HAVE NO IDEA. I LIVE ON A FIXED INCOME AND CANT AFFORD TO HAVE MONEY TAKEN FROM ME. PLEASE HELP ME GET MY MONEY BACK. THANK YOU
Consumer complaint received 2018-12-19
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: CL Holdings LLC (TX)

I have reached out several times to XXXX XXXX XXXX as well as all three credit bureaus to dispute a XXXX XXXX account on my credit report with a balance of {$870.00}. I have never had an account with XXXX or applied for service thru XXXX. No one has been able to send me anything showing my signature or my supposed signature for validity of this account and I need it investigated properly and removed from my credit reports.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I own a rental house located at XXXX XXXX XXXX, XXXX, TX XXXX. I received an approval for a permanent modification that I had made 4 trial payments before they approved this final approval dated XX/XX/19. The modification is written like a hard money loan with all kinds of bogus fees and late charges that I didn't know I was being charged. They also have the terms of this modification to included a balloon payment of {$100000.00} at the end of the payments. Please review these modification documents I will send with this complaint and it will show you everything I'm trying to explain here. The 3 -4 payments that I had paid were put in a forbearing account and not applied towards the mortgage balance. It appears to me that not any of the payments I've made over the past years were never applied towards the principle balance. Instead they have increase the original loan to over {$70000.00} in fees I just don't understand. I thought that a loan modification was to help not punish me because I had some hard times. I've suffered through 2 hurricanes Ike and Harvey that caused me damages and my house is in need of much repairs. This lender has inflated the value of my house by over XXXX XXXX XXXX dollars. They had a broker do a BPO that was done by computer sales of properties with the same square footage, but they were not in the same community as well as these houses were not in need of repairs as mine is. Please help me understand why this lender is trying to hurt me and not help me.
Consumer complaint received 2018-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (WI)

I had the mortgage set up for auto debit. In the beginning of XX/XX/2018, the mortgage company took two payments out of my account. I called them and brought this to their attention. On XX/XX/2018 the mortgage company sent me a statement indicating that my next payment was not due until XX/XX/2018. Despite this, at the beginning of XX/XX/2018, the company attempted to take out another payment from my account. I immediately called them to protest the payment. The company indicated that it would not reverse the XXXX payment ( per XXXX ). In discussing the issue with them, the company claimed that I initiated the payments which was untrue. 

In order to avoid yet another payment being withdrawn from my account, I put a stop pay on the account and stopped the auto debit. The stop pay cost me {$35.00} to defend my account from a debit which should not have taken place. On XX/XX/2018 the company sent me a letter asking me to replace the stopped payment in certified funds. It also threatened to report the stopped payment to the credit reporting agencies.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, Citibank ( the bank who issued Sears credit card ) posted an outstanding balance of {$1200.00}, which triggered an auto debit on my checking account with XXXX XXXX XXXX. I had no outstanding balance with Sears at the time. 

Below are the dates I contacted Citibank ( XXXX ) to get a refund : XX/XX/XXXX : Spoke with XXXX, ID # XXXX. She initiated the refund process & asked me to call back on XX/XX/XXXX XX/XX/XXXX : Spoke with ID # XXXX. He confirmed that the refund was initiated on XX/XX/XXXX XX/XX/XXXX : Spoke with ID # XXXX. She confirmed a refund check was already processed on XX/XX/XXXX. She then confirmed the address & it was my old address. She updated my address, submit a stop payment & restart the refund process. She also said it may take up to 30 days to get a refund check. 

XX/XX/XXXX : Called to check the status of my refund & spoke with ID # XXXX. She asked me to check in a few days. 

XX/XX/XXXX : Spoke with ID # XXXX. She said that another request has been made on XX/XX/XXXX & I should get a refund check in 30 days. I requested to speak with a supervisor. She forwarded my call to XXXX, ID # XXXX. He confirmed that I am entitled to a refund. He also confirmed that a refund process has been initiated on XX/XX/XXXX, and that I a check should be mailed by the next billing cycle XX/XX/XXXX. 

XX/XX/XXXX : Spoke with ID # XXXX. She was unsure why I am expecting a refund. I asked to speak to XXXX, the supervisor whom I spoke with on XX/XX/XXXX. She forwarded my call to XXXX, an assistant manager with ID # XXXX. He was not very helpful. He submitted another refund request & told me that it will take 30 days ( basically, he restarted the clock ). 

It's been almost 4 months since Citibank took my money.
Consumer complaint received 2018-12-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

I currently have a LTV of 78.00 % on my current home mortgage. I have requested the private mortgage insurance to be cancelled. The loan servicer, ( Chase Home Mortgage ), the PMI company ( XXXX XXXX ) and the loan holder ( XXXX XXXX ) are requiring me to get a BPO ( Brokers Price Opinion ) which costs {$100.00} for determination that my house has not decreased in value. 

Per the HPA ( Homeowners Protection Act ), when a homes LTV reaches 78 % of the original mortgage amount the loan servicer has to request the PMI be cancelled. Chase Mortgage will not request the PMI to be cancelled unless a BPO is obtained. I am being penalized by paying extra on my mortgage to get the PMI cancelled earlier than the predicted amoritization date of when my LTV would be 80 % which was predicted to be XX/XX/XXXX. 

Furthermore, if i had not been forward thinking and not checked on this my PMI would have been automatically canceled in XX/XX/XXXX, however my LTV would have most likely been around 70 % at that point. I would not have received a refund on the PMI that was not required to be paid based on I reached a LTV of 78 % in XX/XX/XXXX. I would have paid approximately an extra XXXX on PMI that was not required and that should have been cancelled automatically when my LTV reached 78 %.
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (TX)

On XX/XX/2019 I applied online for the CitiBusiness Aadvantage Platinum Select Card and was not immediately approved/denied. On XX/XX/2019 I called their decision line XXXX XXXX XXXX and was told my application was pending until I provided additional information to verify my business and my business address. I told the representative that I was just starting my business and I would not have the information they were requesting from me. I told the representative that I was a long time Citi customer and did not understand why I was being asked for additional information especially when no where on the online application I was informed that I would need to provide any other information. I also asked if I could be considered for the consumer version of the Aadvantage Platinum Select card instead without having to run my credit again. The representative advised that was not an option and I would need to apply for that card and my credit would be run again.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (NC)

McCarthy Burgess and Wolff collections is calling me repeatedly about a debt related to a XXXX XXXX ( spelling unknown ). I am NOT XXXX, I am XXXX, and I do not owe anyone any money. I have asked them to remove my phone number and stop calling. 

They have apparently done neither.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC. (CA)

To Whom It May Concern : My complaint is against this mortgage company : MB Financial, mbmortgage.com,  XXXX acct. # XXXX Beginning in 2019 I decided to pay off my mortgage within 5 years. I have a 15 year loan, have paid on it 5 years and I have 10 mores year before I pay it in full. Beginning the month I paid {$2500.00} towards my principal along with my monthly mortgage payment of {$3000.00}. Thus, for the next 5 years I will be paying {$5500.00} each month in order to complete paying off my mortgage in 5 years.

I went to the MB Financial website and made the arrangements described above. 

A problem developed when I looked at my bank records and noticed that MB Financial took out the {$5500.00} from my account and also accepted my Bill Pay check of {$3000.00} that I had been making to them for the previous 5 years. I promptly called their office and explained the situation. They stated that I should have stopped payment on my automatic payment of {$3000.00} as their " system '' could not withdraw just the additional {$2500.00} I had stipulated. I told them I understood their explanation, however I explained to them that I had only authorized them to pull out {$2500.00} from my checking account. Their website did not make clear that they would be taking out the {$2500.00} I authorized plus the normal {$3000.00} mortgage payment. 

So to resolve the issue I asked them to wire back the extra {$3000.00} they had withdraw, without my authorization. They said they could not, but that they would send me a check sometime soon. Today is XX/XX/XXXXand they still have not refunded me the extra payment. My first call to them was on XX/XX/XXXX. I have made 7 calls so far and still do not have the {$3000.00} they pulled out without my consent. Today, I called to speak to the supervisor, XXXX, and I have yet to get a call back from him. 

This " bank '' has pulled out money from my checking account without my approval. In addition, they have not had the decency to refund me the money. I request your assistance in getting they to resolve the issue. 

Thank you for your help.