davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

applied for refi in XXXX XXXX, with the original holder of my mortgage loan which was opened in XXXX, i submitted all requested verification on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX i was informed items submitted to underwriter and turnaround time is 7 to 10 business days and i will be recieve a status update within 5 days. however, since this notice i have been inudated with emails for the following ; 1.on XXXX/XXXX/XXXX request letter of explaination for addresses on my credit report for XXXX and XXXX, which i have n't resided at since the XXXX, a business that was registered at this addressthat is not associated with a apt . number or the apt . i lived in, explain a business that a relative used at my current address for the purpose of receiving packages securely, 2. expalin why i have a balance of {$9000.00} on equity if it was included in bankruptcy, although the debt was n't reaffirmed, 3. XXXX/XXXX/XXXX, signature not in cursive in email, resign, 4.XXXX, letter of explaination for a business credit card, 5. XXXX/XXXX/XXXX, recieved email that final info.needed was from my hr/payrollthat the asst.could n't obtain, for them to explain my les codes for temporary modified duty in amount of {$XXXX} ( which is noted as the ytd ), expalin ytd of {$XXXX}, because it does n't add up to my biwkly or monthly pay, however this amount clearly states it is my net ytd earnings as of the payperiod.however, upon receipt of my email, that employer uses the work number, there response was they verified income, but work number does n't give a breakdown of leave codes etc.so i took it upon myself to write a statement to try an expediate the closing etc. to no avail., 6. XXXX/XXXX/XXXX, letter of explaination and proof of the income received needed based on my XXXX ytd being low from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, because i was paid by workman 's comp. although they have my current check stubs showing my biwkly pay and hourly pay, 7. XXXX/XXXX/XXXX, they are now requesting a XXXX for XXXX i received in XXXX, although XXXX does n't issue a XXXX, because it is not taxable. i am at wits end, and request that an investigation can be done into this, i have been on the same job for over 20yrs, my initial loan is established with citi and i am fully familiar with the refi process to know this is not being handled correctly. i have tried to contact upper management but have yet to receive a response, i initiate a complaint with citi at there executive repsonse unit yesterday and have contacted fannie mae yesterday and waiting on a call back as of this date. any assistance in the expediating of this matter would be highly appreciated.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

I am currently almost done with my chapter XXXX bankruptcy. All my accounts are reporting closed with XXXX and XXXX. But on my equifax report it is still reporting an account as open even though it shows as closed through the other credit reporting agencies. The account in question that should be reporting closed is XXXX/XXXX ( account number XXXX ) for the amount of {$4500.00}. I will attach a current credit report for XXXX and Equifax showing proof of closed account. 
Also attached is my last credit report showing equifax reporting that account is not closed. And a screenshot from XXXX XXXX website showing account is still open. I am unable to file a claim through XXXX website because the question I answer each time to verify my identity keeps failing for some unknown reason.
Consumer complaint received 2015-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (NY)

There is an account showing up in my credit file that has no clear explanation as to why it 's reporting, I would greatly appreciate if there were a thorough investigation of this matter. And expect a complete removal of this erroneous information on my personal credit report.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a citigold checking account with Citibank. The promo code was supposed to be applied to my account 90 days from the opening of the account.we are now over 90 days and they advised the are now investigating promo code. Opening of account was done through their website and promo code was applied automatically. I was advised they will need 30 to 60 days to complete investigation. This Citibank has mislead me and now I am forced to keep my funds with them as I will need to keep my bank active.
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a checking account with Citibank on XX/XX/XXXX through a promotion which was supposed to pay me a {$400.00} bonus. I should have received the bonus on XX/XX/XXXX. I have yet to receive the bonus. I called Citibank customer service on XX/XX/XXXX to resolve the issue, and was told they were opening an internal investigation to resolve the issue within 10 days. I have not heard back from them since, nor have I received my {$400.00} bonus.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (WA)

can you ask navy federal about this I'm trying to find the other email where they said they put a lien on my bank account and everything I tried to explain to act federal some one has access to my account. like the checks so called order with this account. like I'm still missing things. I don't know what there doing but they send me balances or withdrawals notice and they restricted everything. and these bill payments like they sent them out but I can view my account. like what's the status. now their gon na cause two bills to go negative again .I was told to wait. but worth things going on my deposit. they gave me credit my own credit deny me credit and then the matching principle of a cash deposit which I didn't recieved. like I got bills to pay so if their intent is not communicate restrict me but transaction still going threw I need my money remittances so I can to a different Bank. and make claim..
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NY)

Upstart network inc obtain and accessed a copy of my XXXX consumer report without my written authorization. I never gave this company authorization to XXXX  a copy of my XXXX consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (MO)

On XX/XX/XXXX I XXXX XXXX sent XXXX XXXX CFO of Exeter LLC an Endorsed bills of exchange and tender with instructions to apply the Principals Balance to the account # XXXX for set off. XXXX XXXX had 5 days to respond in which he did not. Again on XX/XX/XXXX I sent an Opportunity to cure for you not responding in the first 5 days addressed to XXXX XXXX, in which again he was sent Instructions ( tender ) and a copy of the endorsed bill to set off the account. Again CFO XXXX XXXX ignored the Opportunity to cure. It is against the constitution to ignore my right to credit. I sent CFO XXXX XXXX A copy of the federal reserve section 16 stating Bills of exchange is legal to use. XXXX XXXX has defaulted in his Obligations and duty to make sure my account was taken care of. It also states applications are exchanged for notes applied for, so i'd like for XXXX to apply those notes to settle the account. 

According to the Federal reserve act, This is Breach of Contract. XXXX XXXX has breached his fiduciary duties. All Im asking is for XXXX to Apply the principals balance to the account for set off. XXXX XXXX and Exeter is injuring me by ignoring my instructions to set off. Injuring me by denying me my rights. 

On XXXX XXXX Exeter received a security collateral ( The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed ) from XXXX XXXX, on XX/XX/XXXX XXXX XXXX CFO for Exeter received instructions to apply collateral to set off account, also received a bills of exchange endorsed. He also received a Power of attorney. XX/XX/XXXX he also received an Opportunity to cure. 

According to the federal reserve I can choose between Tier 1,2, or 3 in which Civil penalties apply. 

Tier 1 - is {$5000.00} a day for ignoring my first letter to apply principals balance and bills of exchanged Tier 2- is which violation, practice, or breach -- is part of a pattern of misconduct; sent an opportunity to cure and again he ignored my request. Seems like a pattern to me. 

Tier 3- knowingly -- commits any violation described in subsection ( a ) ; engages in any unsafe or unsound practice breaches any fiduciary duty and Breach of contract I will be going with tier 3 since XXXX XXXX CFO of Exeter is Knowingly violating my rights. Tier 3 is {>= $1,000,000} a day I'm owed by XXXX of Exeter until this matter is settled. 

I have sent XXXX a Notice of default. He has 5 business days from XX/XX/2023 to settle the matter. XXXX out the account and make sure it shows on my credit report. No late or missing payments. I want XXXX XXXX to respond in 5 days why he won't honor my request yet again.
Consumer complaint received 2015-12-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

I WANT TO SEE HOW AND WHEN I ASKED FOR FREE CREDIT REPORTS FOR EACH AGENCY ON THE ANNUAL FREE CREIDT REPORT WEBSITE. I DO N'T BELIEVE I HAVE CONTACTED XXXX AND RECEIVED XXXX REPORTS WITHIN A YEAR 'S TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (IN)

I attempted to obtain my free annual credit report from XXXX. I was able to get my report from XXXX and XXXX, but Experian would not allow me. When I was directed to their site from XXXX, I was asked to confirm the last XXXX digits of my SSN. I did that, but when it progressed to the next page it simply said " We were unable to honor your request. '' No other questions were asked. I was instructed to mail in my request using a form letter, including a copy of my DL and SSN. It 's frustrating to be denied when I was n't asked any additional verification information. XXXX and XXXX asked specific credit questions, but Experian did not attempt to confirm anything. Now I have to send a letter and wait for a response. Based on this experience, I 'm not even sure that I would receive it after I sent my personal information through the mail. At the very least, Experian should be required to inform consumers of why they were " unable to honor your request '' when the consumer receives a denial for their free annual credit report.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

On XXXX XXXX Experian said in there relief on original case XXXX they would remove the XXXX XXXX credit cards that are not mine. I have a updated XXXX/XXXX/2017 credit report from experian they do n't have to listen to you. they not removing these XXXX fake XXXX accounts from my credit report. if you could contact them about the relief they told your agency. It would be greatly helpful. They are on my credit and ruining my credit because they will not do what is needed and what they said they would do. I do n't know how to show they file from my first case information in case XXXX.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

Experian continues to deny me access to their online dispute feature. It 's been like this for the past couple of months. 

Each time I attempt to begin an online dispute, upload supporting documents, or gain access through a third party credit monitoring subscription program, Experian redirects me to a message stating " for security purposes we ask that you mail us your documents along with a government issued ID, etc. ". 

That message is getting extremely intolerable for me and I have my personal contact information to update, accounts to claim full responsibility on, account information to correct, and supporting documentation to provide along with it. 

Experian has by far the worst online dispute feature out of all three major credit reporting agencies. 

This must be changed. Surely I am not the only one experiencing this inconvenience. 

Experian expects an individual without a source of income, or available funds to go out to a store and purchase mailing envelopes and mailing stamps. 

I am unable to send Experian my information by mail because I do not have the money to purchase the items necessary to proceed with my dispute they 'd like to have mailed rather than submitted online. 

I would like to apologize to Experian for submitting this complaint against them, but they must realize that some individuals like myself, will not tolerate their delays they cause us with updating, and correcting our reports accordingly. 

I will pursue Experian 's online dispute feature correction of " security issues '' for myself, until I no longer have these error message pop up after clicking the submit button once I 've entered in my personal information.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

My date of birth is wrong on my credit information and it is not allowing me to use my credit or get my credit report. I have sent a comment email to annualcreditreport.com but I dont know if they can do anything. How do I get this fixed immediately? How will this continue to affect my credit?
Consumer complaint received 2015-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I reference previous case number : XXXX. My present complaint is against SETERUS , Inc., a loan servicing company, to which the collections on a mortgage loan # XXXX, for property at XXXX XXXX XXXX, XXXX, CA XXXX ( " the Property '' ), was transferred in XX/XX/XXXX. The transfer was done by XXXX XXXX XXXX, XXXX. 
SETERUS has ignored the XXXX XXXX County Superior Court of California 's XXXX/XXXX/XXXX Divorce Dissolution Decree ( Case # XXXX ), in which " the Property '', and all its debts, was awarded to my ex-spouse, XXXX XXXX XXXX. Further SETERUS, has ignored the Court 's XXXX/XXXX/XXXX Order, that " the Property '' be sold. SETERUS has also ignored the Interspousal Transfer Deed, transferring title to XXXX XXXX XXXX XX/XX/XXXX. 
SETERUS continues to post delinquent payments to my credit report, so that I am unable to obtain credit. 
Resolution : That SETERUS, Inc., immediately remove any negative reports made to the Credit Bureaus, using my social security number, name, etc.,. That SETERUS, Inc. obey the Court 's Orders, and cease their harassing behavior toward me ( rude phone calls/notices ). That SETERUS, Inc. pursue the legal owner of " the Property '', XXXX XXXX XXXX, who still resides there. ( I have not resided there for almost three years. )
Consumer complaint received 2023-07-10
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. (NC)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

In 2006, I was hit with a massive Identity Theft. Someone put amillion dollar home on my credit - then the person changed myaddress to theirs and thus received all my identity and preapproved credit offers. I filed a police report with XXXX XXXX XXXX and they sent me to the District Attorney in XXXX XXXX - The DA stated this is just the tip of theiceberg - it happened just when the housing marking wasslowly collapsing and I really got hit. 
I immediately notified XXXX XXXX and Experian.I placed a fraud alert on my credit bureaus and it took mea full year on the phone with DA and Police to clear my nameand prove I was who I said I was. I sent Identity Theft infoto all the accounts - seems they opened several accountsthru mail - most of the people were nice, but not XXXX, XXXX and XXXX - I told XXXX it was an identity theft -they told me they did not believe me, even with legal notice -they also said they would put a lien on me unless I paid the {$5000.00}. Sure enough, XXXX placed a lien on me - andmy credit plummeted. I called XXXX and asked them whenmy court date was and explained I wanted to speak to theJudge to explain my circumstances and clear the lien -Chase did not respond - in the meantime I notified allXXXX credit reporting agencies again - sent written letterscalled and nothing happened. I believe it is because itwas right at the time the XXXX Market collapsed and theywere overwhelmed. 
In any event, every XXXX of the late accounts and lienare still on my credit reports - I called the XXXXCourt House to try and get the liens removed, theytold me to go back to XXXX and XXXX - of course noresponse. I was denied a new lease with XXXX XXXXbecause of my credit and I am presently paying 19 % XXXX car loan x 3 yrs - I am trying to get a fixed Mortgagefrom XXXX and I can not even get information due tomy Credit History. Most of the Deliquency accountsare at least 10 years old - I have faxed, called, got mad at all agencies but no one cares. 
I just want my stellar credit back - my car ins. back to normal ourates, my car pmt back to normal interest and my Mortgageback to a fixed rate. 
Can you give me some suggestions? 
I have all paperwork and faxes but I am not too gooduploading. I can send in mail if needed. 

Thank you for your helpI
Consumer complaint received 2015-11-03
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX, 2015, I purchased a XXXX Range Rover LR4, from XXXX XXXX XXXX XXXX for {$56000.00}, which is the fair market value for a similar car without any defects. The dealer is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
The dealer assisted me with completing a financing application for a loan with JP Morgan Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. The financed amount is {$45000.00}. After I left the dealership, I was advised by my insurance company that my LR4 was a branded manufacturer 's buy back car, commonly known as a LEMON and worth substantially less than the amount owed on the loan with Chase. The fact that the car is a lemon was not disclosed to me by the dealer or Chase. Had I known the car was a lemon, I would have not bought the car. I later learned that the law requires that there has to be a consumer disclosure given to me before I agree to buy the car that declares the car is a branded lemon. When I asked for my paperwork from the dealer 's finance office, I was given a copy of my sales agreement and loan papers. I was also given a copy of a lemon law disclosure that had my FORGED signature. I later found the same disclosure form in the color designated for me, the buyer, in my car that was not completed or signed by me. The actual XXXX Application for Title form completed by the dealer, and signed by me, that was also sent to Chase, specifically omits that the LR4 was a manufacturer 's buy back car, ( lemon ). The box on that form that discloses the car is a lemon is not checked. I notified the dealer and Chase about the misrepresentation and fraud. Since I was ignored, I hired a lawyer to try and rescind the transaction or recover the difference in the value of a lemon law car and a normal car. The dealer denies any wrongdoing and Chase claims its paperwork is in order because it has the forged disclosure form in its records. I am still forced to pay Chase the full amount of the loan even though the car is worth at least {$20000.00} less than I owe.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (CA)

Hi, I want to dispute the Credit check. 
I recently opened a new XXXX account. I never applied for credit or filled out any application with my SSN. Ofcourse, I did accept the terms and conditions to open the XXXX account. When I created the account, XXXX forced me to link my bank account to XXXX. I tried to check if I can delete the XXXX credit that I noticed on my XXXX account. But there were no options. I did not suspect that a credit check was run by XXXX because I did not key in my full SSN anywhere, did not fill out an application for line of credit and did not accept anything that prompted my permission to run a credit check. I had been very careful not to apply for any credit to retain good credit. 
Please can you help me to get this credit inquiry removed from my credit account. 

PS - I was asked to select company 's name but XXXX 's name was not in the list. So i selected some random company name in order to submit my complaint. The name of the company this complaint is against is XXXX. 

Thanks, XXXX
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (TN)

Loans opened on ( XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all show the same four late payments spanning XX/XX/XXXX and XX/XX/XXXX and I was a XXXX XXXX XXXX at the time and not in repayment. Please removed these from my credit scores.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

Experian is reporting XXXX tax leins on my credit that are not mine. I have disputed the items twice, showing proof that the tax liens are not on my file according to the state of NY but EXP claims to 'verified '' the accounts as mine. I have requested their investigation process according to FCRA law and EXP has ignored me.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have several accounts and inquiries that are not mine on this credit report that need to be removed or blocked i have listed most of them on my credit report and i have a notarized id theft affidavit with the information on them as well along with addresses and name aliases that were never mine